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Nov, 2014

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  1. Replies
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    Far from overpaying, just under £200k actually...

    Far from overpaying, just under £200k actually sounds very reasonable for a 2-bed flat in the London Borough of Lambeth -- I take it that it is it in a big ex-council block or something?
  2. Does the house have a history of being let as an...

    Does the house have a history of being let as an HMO before, on and since the date on which the Article 4 direction came into force? If the answer's yes, then you're probable fine to continue letting...
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    For a house of that quality, I'd agree with the...

    For a house of that quality, I'd agree with the others -- you'd be better off either selling it or sympathetically converting it into two or three high-end flats. I simply don't believe you when you...
  4. Capital growth in residential property has been...

    Capital growth in residential property has been phenomenonal over the past 40 years but as it always says at the bottom of investment advertisements, past performance is not necessarily indicative of...
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    293

    By deducting it when you submit your Self...

    By deducting it when you submit your Self Assessment form to HMRC in exactly the same way that you'd deduct BTL mortgage interest. Obviously it'd be a good idea to keep records of the transfers which...
  6. Is there any particular reason why you need...

    Is there any particular reason why you need someone local? A lot of people never meet their brokers face to face -- it's perfectly possible to do it all by phone and email.
  7. Has anywhere ever removed an Article 4 direction on HMOs? Effect on house prices?

    Hello all

    I am thinking of buying another student house in an area subject to to an Article 4 direction on HMOs. The area is a real student ghetto (around 80%-90% student houses in some of the...
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    875

    From your description it sounds like this minimal...

    From your description it sounds like this minimal damage to a worktop could potentially come under the heading fair wear and tear and would thus normally not be chargeable from your deposit. What...
  9. In that case, is it being advertised properly?...

    In that case, is it being advertised properly? And how is the market in your area at the moment? It may be that there's nothing wrong with your house, but the market is just slow at the moment where...
  10. Aside from a few bits and pieces around fire...

    Aside from a few bits and pieces around fire safety etc. and locks on the bedroom doors, how does your house actually differ from any other four-bedroom house on the local market which may previously...
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    395

    This is a tricky issue which I have come across...

    This is a tricky issue which I have come across myself (I let out two leasehold flats) and I have yet to see a comprehensive answer.

    Initially, I insured myself just for landlord's contents -- not...
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    1,355

    I don't think that's fair. In addition to the...

    I don't think that's fair. In addition to the programme which theartfullodger linked to, I can think of another programme in the past year (can't remember the name, but it was on BBC) which showed...
  13. Bear in mind that the reason why a lot of...

    Bear in mind that the reason why a lot of investors like to put their money into property as opposed to other investments is because it is very easy to leverage property. If you buy outright, you...
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    1,997

    I know I said I wouldn't keep posting but I had...

    I know I said I wouldn't keep posting but I had to respond to this paragraph so I'll keep it (relatively) short: the answer is that it depends on which way it gets rigged. For example, banks rigging...
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    1,997

    No need to justify my equity investments to...

    No need to justify my equity investments to myself as I am in no way tied in -- I could sell them all (at a profit) first thing tomorrow morning and re-invest the proceeds in property forthwith if I...
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    1,997

    jpkeates, hech123 -- I'm not going to reply...

    jpkeates, hech123 --

    I'm not going to reply to your points individually, in part because I think we'd just be going round in circles as I've already broadly covered the contrary view in my posts...
  17. loanarranger, thank you. In answer to your...

    loanarranger, thank you. In answer to your questions it's yes (just) and yes. I've PM'd you in case you can put me in touch with someone who can help.

    In case loanarranger can't help, I'd be very...
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    jpkeates, hech123 -- I entirely agree with you...

    jpkeates, hech123 --

    I entirely agree with you both that high fund manager fees are the scourge of equity investing. That's why I would never recommend using a financial adviser, or investing in...
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    It's interesting to see how much people see to be...

    It's interesting to see how much people see to be of the mindset that property is better than equities. Even more interesting that people are suggesting really rather esoteric investments such as...
  20. Mortgage for a small singly-let HMO in an area of additional licensing

    Hello all

    I’m looking to buy a 4- or 5-bed student house to be let on a single AST, and for obvious reasons of cost I would like to avoid the much more expensive HMO-specialist mortgages. So far,...
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    Most SVRs are not competitive as compared to...

    Most SVRs are not competitive as compared to fixed-term rates, although you may be able to find an exception (in particular if you have low-value mortgages for which a say £995 product fee every two...
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    Phlash's asking what type of HMO is a fair...

    Phlash's asking what type of HMO is a fair question. For example, it could be a typical 5-bed student house, a luxury 3-bed flat let to 20-something professionals, or a 9-bed residence letting to...
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    Surely it's the overall cost of the deal you need...

    Surely it's the overall cost of the deal you need to look at, not the fees specifically? Or do you mean that you want a long-term fix or a life of mortgage base rate tracker? If so I'd be interested...
  24. I don't think that is quite true. If you were to...

    I don't think that is quite true. If you were to surrender your tenancy before the end of the term, you would be in breach of contract. Under contract law the landlord then has a duty to mitigate...
  25. Generally agreed with King_Maker. However,...

    Generally agreed with King_Maker. However, assuming your solicitor acted for the lender as well as you, a proportion of the legal fee (and the search fees) can be classed as revenue expenses. Ask you...
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