LandlordZONE

03

Sep, 2015

Thursday

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  1. I think they are making a fundamental mistake in...

    I think they are making a fundamental mistake in their calculations, it may only be 1 in 5 landlords but I suspect it will affect more like 80% of the rental market, this is because there are a lot...
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    Why not sell the property and repeat.... If it...

    Why not sell the property and repeat....

    If it were that simple every man and his dog would be doing it..... Don't get me wrong it is possible but you have to pick the right property, Best...
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    Of course had nothing to do with nationality and...

    Of course had nothing to do with nationality and was based purely on my feeling of what could happen when I met them if you want to go down that route.
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    I can see why LL's would favour Polish tenants...

    I can see why LL's would favour Polish tenants over DHS but thats about it, I used to live in an area that was low polish but then turned to a relatively high polish community. The problems I found...
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    John Duff, Agree there would be solicitor fees...

    John Duff,

    Agree there would be solicitor fees however, for example my last mortgage to get a rate of 2.35% I had to pay £1000 fee, just a quick look at ybs (thats where my last residential...
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    What will be interesting is to see what happens...

    What will be interesting is to see what happens to BTL rates, I currently have three mortgages on each of my three rental houses but the house I live in is totally mortgage free. I did it this way...
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    Some good comments thanks... Totally agree...

    Some good comments thanks...

    Totally agree with the pension being a small safety net for my bigger safety net of property, although might have to rethink the whole pension idea if they limit or...
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    It will be a strange scenario, where person A has...

    It will be a strange scenario, where person A has property in a ltd company and can get relief while person B who owns it personally only gets limited relief.

    My story like many is I worked...
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    It will be interesting to see how this policy...

    It will be interesting to see how this policy plays out in the long run, I can see areas where rental yields are high like Manchester etc will be little effect if anything more BTL people will look...
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    £22k for other costs, that seems rather high? ...

    £22k for other costs, that seems rather high? What is this made up of?

    Are the flats furnished?
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    I think this example is wrong, he clearly stated...

    I think this example is wrong, he clearly stated the tax relief would be limited to 20% income tax rate not 20% of the interest.
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    Only really affects you if you are or with...

    Only really affects you if you are or with property income in the 40% income tax bracket.

    Below is a real world example not taking into account any other expenditures to make it simple.
    ...
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    Mortgage relief tax changes 2017

    So relief will be limited to 20% so if your a 40% tax payer you will have to pay tax on income for that part at 20%, seems strange as no other business/investment pays tax on revenue rather than...
  14. Im not against a landlord registration scheme but...

    Im not against a landlord registration scheme but I think councils and tenants have enough powers to deal with the small minority of bad landlords without a registration scheme as you just know the...
  15. HMRC Private residential tax generation

    Just a general interest question really, ive been looking but unable to find how much tax income is generated by HMRC from private residential landlords including CGT, regardless if they are a...
  16. Thread: EPC help...

    by catdog1121
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    Im in England

    Im in England
  17. Thread: EPC help...

    by catdog1121
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    452

    EPC help...

    Hey Guys,

    Ok so I have a question, my situation is im buying another property to live in and renting out my current property, we will complete on the 16th this month and just waiting for a...
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    Can of worms..... The best thing to do is to...

    Can of worms.....

    The best thing to do is to tell HMRC that the new house will be your principal primary residence. from further down if you are doing this to avoid capital gains tax be very...
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    I got one of my tenants through upad, it was all...

    I got one of my tenants through upad, it was all good apart from one issue, I found all the local estate agents especially one pushed how shall I say less desirable tenants that they knew they...
  20. If the aim is primarily for a quiet life then...

    If the aim is primarily for a quiet life then yeah I think rent it out cheap enough and someone will bite your hand off.
  21. I think you might struggle to only get 2 nurses...

    I think you might struggle to only get 2 nurses wanting a house of that size. I agree the share with communal areas for me personally would put me off but then some people like that sort of thing. ...
  22. Just leave the contract as it is, give them £40 a...

    Just leave the contract as it is, give them £40 a month and call it a rent refund as they overpaid or get them to adjust the rent paid each month till it is sorted. There is no need for any change...
  23. Is there any benefit from you getting 50% of the...

    Is there any benefit from you getting 50% of the profit, aka shes a 40% take payer and your not, if so there are ways for you to get 100% of the rental income to reduce your tax bill, if this is not...
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    I have to agree with the comments, im sorry but...

    I have to agree with the comments, im sorry but this is a get rich quick plan. You have made no allowances for purchase costs and you can disagree with the rental income, I dont know the area but a...
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    Just incase anybody does a search on this, after...

    Just incase anybody does a search on this, after some investigation I found accord mortgages do LTB so am going to them via a broker (they only deal with brokers)
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