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Sep, 2014

Monday

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  1. Replies
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    Yes you pay tax on income, but in terms of...

    Yes you pay tax on income, but in terms of property you pay tax on income after expenses, this is called profit. You are talking about the pay back period.
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    In that case, can I tell HMRC that I am not...

    In that case, can I tell HMRC that I am not making any "profit" on my properties and therefore should pay no tax until at least 2034?
  3. Thanks LHA, I could have googled that myself I...

    Thanks LHA, I could have googled that myself I suppose :D:
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    You aren't remortgaging as there isn't a mortgage...

    You aren't remortgaging as there isn't a mortgage to replace. What you would be doing is raising a mortgage secured against the property. Your age and income will be an issue but some lenders may...
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    ram - you are looking at this in a very strange...

    ram - you are looking at this in a very strange way, £8k pa is profit earned from the £140k investment. It is the same as buying a business for £140k and earning £8k pa from it. Your example...
  6. Agree with the decision. BBC3 is unnecessary. ...

    Agree with the decision. BBC3 is unnecessary. Can anyone explain why 5live isn't on FM?
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    It will be nearly impossible for you to get a buy...

    It will be nearly impossible for you to get a buy to let mortgage. You will ideally need around a 25% deposit and be earning at least £20,000 per year. May be best to wait until you have finished...
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    How old are you? How much of a deposit do you...

    How old are you? How much of a deposit do you have? Do you have any income source?
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    With 3 unrelated tenants you could have an HMO on...

    With 3 unrelated tenants you could have an HMO on your hands. Search HMO on your local council website and do some reading.
  10. I think it's a year before you can avoid capital...

    I think it's a year before you can avoid capital gains.
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    Just in fill the gap, 1cm will hardly be...

    Just in fill the gap, 1cm will hardly be noticeable. Better to keep the shape of the baths surface edges and fill the gap rather than digging the bath into the wall. That will look odd.
  12. You would be looking at development...

    You would be looking at development finance/commercial lending which tends to have higher rates and greater LTV than a BTL mortgage. You will probably need to put down about 40% of the purchase...
  13. Remember, it depends on earnings and age among...

    Remember, it depends on earnings and age among other things as to how much you can borrow not just the amount of equity you have in your home.
  14. Thread: yields

    by QuestForFreedom
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    Guys, as mentioned, you really need to state your...

    Guys, as mentioned, you really need to state your location to make any sense of yields and prices.
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    Thanks everyone!

    Thanks everyone!
  16. Thread: yields

    by QuestForFreedom
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    Very high yields tend to be achieved on HMO's and...

    Very high yields tend to be achieved on HMO's and very cheap ex Council houses and LHA rents
  17. Thread: yields

    by QuestForFreedom
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    Money invested over rental income is called ROCE...

    Money invested over rental income is called ROCE - Return on capital employed.
  18. Thread: yields

    by QuestForFreedom
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    I think average across the board is about 6% - 7%...

    I think average across the board is about 6% - 7% at the moment. Aim for 10% and you'll be doing ok.
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    A guy is sitting in the bar in departures at a...

    A guy is sitting in the bar in departures at a busy airport. A beautiful woman walks in and sits down at the table next to him. He decides because she's got a uniform on, she's probably an off-duty...
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    You may be able to borrow up to 85% LTV with some...

    You may be able to borrow up to 85% LTV with some lenders, best check with a broker. Can you release equity from your own home?
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    My wife has cat-like reflexes. Every time I...

    My wife has cat-like reflexes.

    Every time I try and touch her, she hisses and tries to scratch my eyes out.
  22. The answer in a nutshell. I have a nurse...

    The answer in a nutshell.

    I have a nurse tenant and have had no problems whatsoever. However I did have to enter the property due to an emergancy once when she was out of the country and the...
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    Agreed, it helps if its reliable, good mpg and...

    Agreed, it helps if its reliable, good mpg and comfortable. However a half decent private plate is not going to help you run your business better.
  24. If it wasn't you then someone has broken in or...

    If it wasn't you then someone has broken in or someone from the agency has entered with keys. Don't stress as you have nothing to be concerned about.
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    Nicest wasn't a car but a 1973 VW camper. You...

    Nicest wasn't a car but a 1973 VW camper. You couldn't help but smile when driving it.

    I bought a second hand horse trailer yesterday and had to tow it home with a private number plate attached...
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