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Nov, 2014

Monday

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  1. Replies
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    The biggest worry to your scenario (looking to...

    The biggest worry to your scenario (looking to flip) is probably government legislation, if Milliband gets in there is no telling what he could do. I do see a lot of risk in the South East/London as...
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    There is always something to worry about!! Dot...

    There is always something to worry about!! Dot com bubble? Credit bubble? Greek default? Drop in the dollar? Blah blah blah. For the last 500 years there have been famines, droughts,...
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    Yes rates and fee's which seem large are still...

    Yes rates and fee's which seem large are still very small in the professional world of property investing! You only need to look at bridging or some peer to peer options!
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    Recently when doing my own personal mortgage I...

    Recently when doing my own personal mortgage I was introduced to the Kensington who could basically already navigate around a lot of the requirements by doing things such as using one years accounts...
  5. Timberwolf, Where are you based? Is it not...

    Timberwolf, Where are you based? Is it not possible to sell the lot to another landlord? I would consider purchasing things such as this or taking over the running of a portfolio even if it was in...
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    Lenders have been restricting criteria for...

    Lenders have been restricting criteria for hundreds of years, gradually ways round will be found and then we will end up in the same position all over again!
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    Universal Credit

    Hi

    If I have tenants currently on direct payment will there terms be changed when UC rolls out? Or is it just for new claimants?
  8. This sounds like massive risk. With an election...

    This sounds like massive risk. With an election next year anything could happen, London is already massively inflated and your deposit could be wiped out with any falls in value. There is no return...
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    The golden rule is only build on finance if your...

    The golden rule is only build on finance if your returns justify it. I have said time and time again on here that 8-9% can be about a break even yield in my opinion. If you look at it over 10 years...
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    The bank of England just say what the government...

    The bank of England just say what the government want them to. 'When unemployment reaches 7% we will raise rates' this happened months ago. Do not be fooled by the governments figures we are quite...
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    When interest rates rise - Property normally...

    When interest rates rise - Property normally rises. This may sound strange since payments are going up but in the broader outlook of things (which makes perfect sense) the BOE will only increase...
  12. Hi Loanarranger I am quite far down the road...

    Hi Loanarranger

    I am quite far down the road now with Lloyds and have managed to secure enough to get the property but its only a 43% loan to the value!! I messed on with RBS for 12 weeks to be...
  13. Hi Loanarranger No I have been trying to...

    Hi Loanarranger

    No I have been trying to attain a mortgage for myself on a personal basis presently. I have been paying a mis-sold IRSA so have received my money back this year...............long...
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    Claymore is correct as gearing can make your...

    Claymore is correct as gearing can make your losses bigger on the way down. You must be sure you know what you are doing, the timescale you are in the market for, the exit strategy etc... All just...
  15. The mortgage market is a joke at the minute. ...

    The mortgage market is a joke at the minute. This new MMR is complete over regulation, bring back self assessment any day!. I also used to have problems such as yours with being based in Cumbria. ...
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    I am of the opinion generally the more debt the...

    I am of the opinion generally the more debt the better but this is certainly not for everyone. The way I look at it is if you have a property of £100k and rent of £10k and it is mortgaged up to £80k...
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    Yes we will appoint a lawyer but just in early...

    Yes we will appoint a lawyer but just in early negotiations, many thanks we will look at a 7 year term now I think
  18. Thread: Rental Yeild

    by hech123
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    Need to be quick as heading out. Don't use ROCE...

    Need to be quick as heading out. Don't use ROCE as its very risky. Example I buy a house at £90k for cash, I spend £10k. I then value with the bank who value it for £150k, I use one of the more...
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    Legal points resi property

    Hi All

    I have a block of 8 flats and we are considering letting it on a 5 year term to an agent who will then let the flats out. We will be using a commercial full repair and insurance lease...
  20. Knowledge is power! I really am not worried by...

    Knowledge is power! I really am not worried by this though and I do have a large number of LHA tenants, possibly 50-60% but I feel the bad ones will be a small number and then your only losing a...
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    Solar panels are very over rated in my opinion. ...

    Solar panels are very over rated in my opinion. I have spoke in detail about these to people who actually install them. They claim 6-7% is possible but probably not very likely. Lets says 5% then...
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    I am very sorry Doobrey but some of us are busy...

    I am very sorry Doobrey but some of us are busy and check in for 3-4 minutes every now and again. I'm glad you have time on your hands to check my punctuation. Must be good not to be...
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    Your dreaming. On a property such as this you...

    Your dreaming. On a property such as this you are dealing with Commercial finance and if your a new landlord you may need to be looking at a 40% deposit from most lenders. Take in to account stamp...
  24. Totally agree Bill. One other issue is that they...

    Totally agree Bill. One other issue is that they will currently be relying on what tenants are telling them - example at present I own a block of 10 flats and there are 10 claims, if an 11th claim...
  25. I have just came from a forum on this very...

    I have just came from a forum on this very subject. Some spokesperson from the DWP telling us how it is all going to work as we are in the North West and it is starting for simple claims in...
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