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Sep, 2014

Monday

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  1. Replies
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    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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    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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    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...
  4. 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...
  7. 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...
  11. 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...
  12. 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...
  13. The Deed of Assignment which I used included the...

    The Deed of Assignment which I used included the following terms:


    1. The Replacement Tenant has been provided with a copy of the inventory prepared on behalf of the Landlord at the start of the...
  14. Gosh! I could probably write an essay on this...

    Gosh!

    I could probably write an essay on this one, but simple advice is that if you want to stay in the property you are legally entitled to within the terms of your tenancy agreement (which,...
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    This is just a business decision you have to make...

    This is just a business decision you have to make for yourself.

    The way I look at it, if I pay off a mortgage with a 4% interest rate, I just have ask myself "Could I have made more than 4% annual...
  16. I had this issue a few months back and after...

    I had this issue a few months back and after asking on LLZ I came to the conclusion that by far the easiest way to do it is to assign the original tenancy via a deed of assignment. It'll need to be...
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    What type of HMO are you thinking of? If it is...

    What type of HMO are you thinking of?

    If it is a non-licensable HMO let on a single contract to four or fewer tenants, loads of mainstream BTL lenders will lend.

    If it requires a licence,...
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    You're being unfair to the OP. Although it...

    You're being unfair to the OP. Although it would've been fairly easy to have found the information you provide online and on this forum (and reading between the lines of the OP's post, he probably...
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    Agreed if students are changing course (I was the...

    Agreed if students are changing course (I was the victim of this myself at one point), but in the OP's case they are simply undergrads going from second to third year -- so they should still have...
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    True, although the OP's post makes it sound like...

    True, although the OP's post makes it sound like a new boiler was the only way to ensure consistently working hot water (assuming that having a plumber on permanent standby wasn't a feasible option).
  21. Thank you for the further thoughts on this to...

    Thank you for the further thoughts on this to both Gordon999 and jpkeates; both very helpful.

    It sounds like to an extent these issues are a matter of taste, dependent on how close to the wind you...
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    I use ordinary mattresses but put a mattress...

    I use ordinary mattresses but put a mattress cover on top -- works for me.
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    Poll: I very much doubt that the sort of landlord who...

    I very much doubt that the sort of landlord who assiduously checks and posts on LandlordZone would be the sort of landlord who doesn't declare their tax....
  24. King_Maker -- thank you for your reply. I feel...

    King_Maker -- thank you for your reply. I feel comfortable deducting that additional service charge amount from 2013/14.

    Does anyone have any thoughts on any of the other questions? I really would...
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    If you want to get on the right side of the law,...

    If you want to get on the right side of the law, you'll need to disclose this to HMRC. Be warned that there may be some penalty to pay, but it might be less than you think....

    You may wish to see...
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