LandlordZONE

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Jul, 2015

Wednesday

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  1. Replies
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    If I were you I'd take a look at the total...

    If I were you I'd take a look at the total picture. 4% gross rental yield isn't great, as you probably know if you compare it to your other rentals, but if it's going to continue to in value faster...
  2. Thanks for this Hech123 - do you have a...

    Thanks for this Hech123 - do you have a recommendation of a commercial finance firm? When I've looked in the past the LTV offered on the portfolio is pretty low and I like to gear relatively high...
  3. Whilst I might agree with you, if you go onto a...

    Whilst I might agree with you, if you go onto a share dealing forum there will be a raft of 'success' stories with people buying £100 in the likes of Microsoft or Apple 20 years ago for those shares...
  4. Morning and thanks for your reply. No MATB1...

    Morning and thanks for your reply.

    No MATB1 yet (only 6 weeks from last period) and my wife is pretty sure about the period date and would rather not 'be confused about the date'.

    I'm...
  5. As a 'professional' gambler do you not file...

    As a 'professional' gambler do you not file self-assessment and declare your income in that way? Therefore if you are profitable year after year you can prove this and us this as income for mortgage...
  6. Maternity / Expected Week of Childbirth (EWC) calculation

    Afternoon,

    I realise this is slightly off topic but I'm hoping that someone here is familiar with calculating EWC and could check my numbers...

    To qualify for full maternity you need: "12...
  7. Using rental income to secure future BTL finance

    Morning all,

    I am just wondering who on this forum is considered for lending purposes as a 'professional landlord' and therefore future BTL finance is being based off portfolio rental income...
  8. All sounds like a very strange setup, I suggest...

    All sounds like a very strange setup, I suggest you seek professional advice before proceeding with this idea...
  9. Replies
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    King_Maker, For the avoidance of doubt I...

    King_Maker,

    For the avoidance of doubt I assume you are referring to "property trading" in the world of HMRC.

    The distinction in the eyes of HMRC is always your 'intention' - did you intent to...
  10. You might consider it more tax efficient to let...

    You might consider it more tax efficient to let the property for 6/12 months (if you can?) before replacing old fixings and fitting with the modern equivalent...

    Assuming it's not overly...
  11. We need to be careful about the advice given on...

    We need to be careful about the advice given on the site in my opinion.

    My understanding is that HMRC draw 2 'lines in the sand' in relation to property,:

    - Property investor -> generally...
  12. Replies
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    Evening, It doesn't matter about the original...

    Evening,

    It doesn't matter about the original cost or date assuming it was your primary property until Dec 2011?

    Assuming it was you have loads of relief and no CGT will be payable.

    Happy...
  13. What would you do? Foreign national tenant application

    Morning guys,

    I'm just looking for a bit of advice on how you would handle a tenant application for someone who is on secondment from their employer in Saudi Arabia studying for a PHD in a local...
  14. As stated above, decent mortgage broker will sort...

    As stated above, decent mortgage broker will sort this no problem



    Yes :)



    Not specifically but lenders often seem to like you to own your own home but as per first question mortgage...
  15. Replies
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    This is an interesting point. Has the tenancy...

    This is an interesting point. Has the tenancy actually ended? Have you taken procession back?
  16. As stated above, LL is responsible for repair...

    As stated above, LL is responsible for repair unless you can prove the tenant has damaged silicone...

    Good luck with that.
  17. Replies
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    Green/sage kitchen

    Evening,

    Am remodelling current home which in next few years will be rented out. Wife wants a sage (pale green/grey) kitchen but I'm not sure if it's a bit 'personalised' for future tenants and...
  18. Replies
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    Evening, I fit Worcester Bosch combi's in my...

    Evening,

    I fit Worcester Bosch combi's in my rentals and would always recommend them.

    The 24i junior should be enough for your house - I also use mixer valves for showers to avoid the added...
  19. Replies
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    Evening, Do you still own the rental property...

    Evening,

    Do you still own the rental property outright? Are you a UK taxpayer? If so you will be liable for income tax on all profit.

    If you remortgage the rental house even to pay off your...
  20. Requirement for 24 hour contact details

    Morning all,

    Just wondering if there is a legal requirement to provide Tenants with a 24 hour means of contacting in case of emergency and if so where the details are of such a requirement?
    ...
  21. Replies
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    Thanks for your reply. ...

    Thanks for your reply.

    http://www.legislation.gov.uk/ukpga/1985/70

    Here is section 11 of the Landlord and Tenant Act 1985 which related to the repair of items owned by the Landlord:

    If a...
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    Please be more specific if you can? No but...

    Please be more specific if you can?



    No but don't see the relevance?
  23. Replies
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    Yes the T is a good friend of the family and...

    Yes the T is a good friend of the family and asked for my advice knowing that I own and manage a number of rental properties in the area.

    And yes the alarm is now fully operational.
  24. Replies
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    Thanks Paul - was starting to doubt myself after...

    Thanks Paul - was starting to doubt myself after the rest of the responses! :)
  25. Replies
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    Already answered in #5 and second part in post #11

    Already answered in #5 and second part in post #11
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