LandlordZONE

22

Oct, 2014

Wednesday

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  1. 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.
  2. 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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    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...
  4. 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...
  5. 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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    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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    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...
  8. 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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    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...
  12. 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...
  15. 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...
  19. 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...
  20. 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...
  21. 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...
  22. 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...
  24. 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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