LandlordZONE

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Apr, 2014

Friday

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  1. I realised I never thanked everyone for their...

    I realised I never thanked everyone for their advice here -- so thank you all now!
  2. Replies
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    1,038

    I don't think that it's particularly likely that...

    I don't think that it's particularly likely that a huge amount of money will go into buy-to-let because of this.

    Firstly, from a tax point of view it would be nuts for anyone with a pension pot of...
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    The gavel price will always be one increment...

    The gavel price will always be one increment above whatever the second highest bidder bids. So in that way it's the second highest bidder who sets the price.
  4. Your age and the fact that you won't be an owner...

    Your age and the fact that you won't be an owner occupier will be sticking points for the fussier lenders, but you should still find some reasonably competitive deals available to you. For...
  5. Thank you for the reply. I already have my head...

    Thank you for the reply. I already have my head around the latter three points, but it's the first one I was wondering about. In short, does anyone know if we need to instruct a solicitor, or are...
  6. Thank you for your reply. Unfortunately, the Land...

    Thank you for your reply. Unfortunately, the Land Registry form to register joint tenancy -> tenancy in common doesn't have anything to declare a % ownership, and there doesn't seem to be anything on...
  7. Okay, thank you all again. I have sent them a...

    Okay, thank you all again. I have sent them a civil -- but very firm -- message indicating that I will not countenance any reduction in rent, and responding in detail to their maintenance requests....
  8. jta, Ericthelobster -- thank you both for your...

    jta, Ericthelobster -- thank you both for your advice. This makes sense. I think on balance it'd be better to issue the s.21 notice so I will do so tomorrow morning.

    And thanks to everyone who has...
  9. Thank you for your further advice. Deposit is...

    Thank you for your further advice. Deposit is properly protected and prescribed info served well in time (by both email and post with certificate of posting), so no worries there.

    Really sorry to...
  10. theartfullodger, I realise I may be being very...

    theartfullodger,

    I realise I may be being very dim, but I still don't understand why there would necessarily be any immediate benefit to me in issuing a s.21 notice now requiring possession in...
  11. I will be doing that, but as I said before their...

    I will be doing that, but as I said before their tenancy is not up until late June so I still have them for over four months whatever happens (unless they leave voluntarily, which is looking...
  12. Update: the tenants have finally paid in full...

    Update: the tenants have finally paid in full (three weeks late) which is a relief, but they are still being extremely troublesome with lots of complaints. The upshot is that from now on they want a...
  13. Converting joint tenancy to tenancy in common in unequal shares

    I own two properties as joint tenants with my father. For inheritance tax planning purposes, we want to change these to tenancies in common with an unequal split in my favour.

    I am aware that the...
  14. Thanks again for all the advice. Here the...

    Thanks again for all the advice.


    Here the first piece of advice -- to avoid legal action -- resonated with me. Does anyone have any tips on approaches which fall short of issuing the possession...
  15. theartfullodger, Thank you for the reply....

    theartfullodger,

    Thank you for the reply. Deposit protected and prescribed information was all served properly.

    Re starting a new thread, the previous thread which I linked to dated from seven...
  16. Thank you so much for your wise words. All very...

    Thank you so much for your wise words. All very useful -- I think I'll follow the course you suggest. However could you elaborate on what the benefit of serving a s.21 (with, presumably, a date of...
  17. tenants withholding rent due to spurious claim of disrepair -- how to play it?

    Hello all,

    My tenants are now six days late with their rent and say that they won't pay until all of what they see as outstanding maintenance issues are dealt with. These tenants have been a total...
  18. Totally depends on the tenant (and, to an extent,...

    Totally depends on the tenant (and, to an extent, the property e.g. how likely things are to go wrong).

    I have known of some tenants who are an absolute dream and go for months without contacting...
  19. Bear in mind that if the solicitor is acting for...

    Bear in mind that if the solicitor is acting for the lender as well as you (which they usually are), around 20% of their fee will be in relation to the legal aspects of the mortgage so you should be...
  20. Upshot is that the third guy I got out sent the...

    Upshot is that the third guy I got out sent the certificate and his invoice in the post straight away, and I now have it.

    I could understand that people may let the paperwork slide and/or let...
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    My dad inherited some money and bought a house to...

    My dad inherited some money and bought a house to let out way back in the mid-1990s, which has since gone up in value considerably. As a joint project with my dad (but led by me) we recently...
  22. The main reason people like to be mortgaged is...

    The main reason people like to be mortgaged is because it's leverage with which to magnify anticipated capital gains. I can't speak for Gordon999, but I am guessing the reason he said what he did is...
  23. Typical minimum deposit for a BTL mortgage at a...

    Typical minimum deposit for a BTL mortgage at a decent rate is 25%. If you are in a position to buy two or three properties outright, then you could therefore potentially buy around 10 properties...
  24. Thread: HMOs

    by JamesHopeful
    Replies
    4
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    239

    Depends on the whether the area of London in...

    Depends on the whether the area of London in question has an Article 4 direction on C3 to C4 changes, and/or whether it's a C4 HMO (3-6 occupants) or a sui generis HMO (7+ occupants).

    It sounds...
  25. I’ve PM’d you the name of my usual mortgage...

    I’ve PM’d you the name of my usual mortgage brokers, who are very good.
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