LandlordZONE

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Jul, 2016

Saturday

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  1. My understanding of reading online is we need to...

    My understanding of reading online is we need to fill in form FR1. By reading the guide it seems that even though the land has been held for such a long time we would only be granted posessory title...
  2. Oh ok, I thought the law changed in 2003 so you...

    Oh ok, I thought the law changed in 2003 so you could only use the 12yr rule before that time...

    Im not sure what you mean, it ended up not being part of the sale so she has no title although a...
  3. Adverse possession of unregistered land

    Hi,

    So last month the girlfriend bought a bungalow, to the back of the bungalow is a woodland. The Property was owned by an old guy who was going into a retirement home, he was apparently not...
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    Im not saying she is not being rather demanding...

    Im not saying she is not being rather demanding but if you can post a message on here why can't you buy a cooker from AO.com or currys or somewhere online, they usually do delivery next day and you...
  5. have you thought about just replacing the what I...

    have you thought about just replacing the what I am guessing is a stand alone cooker with an electric one, ive bought a few beko 50cm ones for like £230 and means you dont need a gas safety cert on...
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    #1 Yes you will get clobbered by tax as a...

    #1 Yes you will get clobbered by tax as a higher rate tax payer, it will be worth it if house prices keep going up as they have but with changes to the PRS that has to some extent propped up the...
  7. I think your figures are very optimistic... most...

    I think your figures are very optimistic... most BTL yeilds under 5% so assuming rent will be around 6000 per year each, however you interest alone will be around 3000 per year, plus maintenance,...
  8. Thanks, ill wait and see what they come back...

    Thanks, ill wait and see what they come back with, might go to ofgem to complain if I dont get a satisfactory answer... I have checked the number and it definitely was a British Gas number.... ...
  9. Yeah they pointed me to blog.superwarm.co.uk,...

    Yeah they pointed me to blog.superwarm.co.uk, which after searching I found this....

    http://blog.superwarm.co.uk/landlords-what-the-new-boiler-legislation-means-for-you
  10. British gas phone call new boiler regulations

    So I had a safety certificate done on one of my properties the other week and today get a phone call from british gas who stated that my boiler was very old and due to new boiler regulations needs to...
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    On the face of it no, although you may have some...

    On the face of it no, although you may have some options... You could move into the residential mortgage place for a a short time (making sure you have evidence you have actually moved)... Then...
  12. It does seem you have been unfortunate to have so...

    It does seem you have been unfortunate to have so many problems and the Christmas/New year break where getting parts or anyone to do anything is a nightmare.. a couple of weeks before Christmas my...
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    Estate agent practices

    So a friend of the family is selling their house, they used an estate agent, lets call them estate agent A, the house was on the market solely with estate agent A, when the house had sold it showed...
  14. Gordon999, You raise an interesting point, I...

    Gordon999,

    You raise an interesting point, I would ask for £1 a month rent, just to prove without a doubt that it is still a rental property and part of your business, any expenses you incur, even...
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    I would say no 4, just to keep the wife happy......

    I would say no 4, just to keep the wife happy...

    What I do is when im doing a viewing and they have a dog I say that I want to meet the dog(s) in their current home, this gives you a chance to...
  16. When it comes down to BTL dont do this........

    When it comes down to BTL dont do this..... simple as... I mean you can sugar coat it all you want but you know and we all know its a discount for cash because he is not going to declare the income,...
  17. As you are husband and wife you did not need to...

    As you are husband and wife you did not need to do a 95%/5% share in the property, you could have changed the proportion or rent so that 100% went to your wife (There is a form you need to fill out),...
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    Additional 3% stamp duty

    Ok so the girlfriend owns a property in London that she rents out, she also currently owns half a property with her ex, she currently rents a room as obviously doesnt want to live with her ex, she is...
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    Im pretty sure SDLT will be payable on completion...

    Im pretty sure SDLT will be payable on completion not on exchange so unfortunately your rate will be what ever it is on completion. :(
  20. The company only seems to exist to avoid paying...

    The company only seems to exist to avoid paying extra tax as you kinda of elude to anyway.... Im pretty sure this is not HMRC compliant, this does not mean he has not been getting away with it and...
  21. Personally I would go for a tracker, im guessing...

    Personally I would go for a tracker, im guessing you are looking at a fixed with that sort of rate, as long as your LTV is below 75% you should be able to find something around 2.5%, a good mortgage...
  22. They may be trying to work out how long you want...

    They may be trying to work out how long you want to rent it for but most likely they are concerned if your doing it because of financial difficulties....

    I would say "bought another property to...
  23. sat, Mortgage arrangement fee yes im with jp...

    sat,

    Mortgage arrangement fee yes im with jp on when to claim

    Windows - yes

    Heating repairs - questionable, if it was broken before the commencement of any rental buisness then no, you can...
  24. Sorry, you are correct JP, my theory was right...

    Sorry, you are correct JP, my theory was right but the calculations I messed up... 40% of 574.50 is 229.8 not what I had of 190.2

    BigPete, houses may go up, but interest rates will definately go...
  25. Wannadonnadoodah, Interest is a cost...... for...

    Wannadonnadoodah,

    Interest is a cost...... for now, remember this will be a long term investment, from 2017 the interest part will not be fully tax deductible, its sort of complicated but look it...
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