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Lenders want EPC A & B for best rates!!!

Lenders want EPC A & B for best rates!!!

Hi, Just checking mortgage borrowing rates this morning and came across two products with NatWest and The Royal Bank of Scotland, both asking for EPC’s of A and B to apply for their best fixed rate mortgage...

10:45 AM, 29th September 2022, About 2 years ago |  8

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Sell, incorporate, get a job or all three?

Sell, incorporate, get a job or all three?

My wife and I have nearly £2,000,000 on fixed-rate mortgages that are due to expire in January 2023 – YIKES! The LTV across our portfolio is somewhere between 40% and 50% and in recent years our...

9:50 AM, 29th September 2022, About 2 years ago |  19

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Changing estate agents, how easy is it?

Changing estate agents, how easy is it?

Hi, I’m renting out one property through a local estate agent, paying 11% of the rental value to them. I have really good long term renters in and happy to keep the renters (renewed in March for...

9:42 AM, 29th September 2022, About 2 years ago |  4

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Ground rent increases on leasehold apartment?

Ground rent increases on leasehold apartment?

Dear All, I purchased an apartment in 2011 and it has ground rent charges of £500 p.a. for the apartment and £250 p.a. for the car parking space (which is in a separate building to the apartment). In...

9:47 AM, 28th September 2022, About 2 years ago |  6

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Do I still pay stamp duty?

Do I still pay stamp duty?

Hi, I’m just at the tail end of purchasing another property to add to my portfolio. The price of the property is £140,000. With the changes made by the government last week in the mini budget will I...

9:39 AM, 28th September 2022, About 2 years ago |  4

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Remortgage or sell?

Remortgage or sell?

Good evening, I am looking for some expertise from the forum if possible please. I am a landlord by mistake – currently to my sister. However, she is moving out soon and so I have a new dilemma: 1.

9:33 AM, 28th September 2022, About 2 years ago |  9

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Can anyone recommend smoke and CO alarm installation forms?

Can anyone recommend smoke and CO alarm installation forms?

Hi, I have fitted new smoke and CO alarms to replace the ones already installed, as it is a fresh start with the new regulations regarding fitting. Although I had the required alarms already fitted, I...

17:03 PM, 27th September 2022, About 2 years ago |  8

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How to contact uncontactable tenants?

How to contact uncontactable tenants?

Hi, Has anyone experienced a situation where you can’t get hold of the tenants? I’ve been trying to contact my tenants to arrange access for a surveyor to do a valuation, but there’s been no response...

11:08 AM, 27th September 2022, About 2 years ago |  6

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Can tenants take in Ukrainian refugees?

Can tenants take in Ukrainian refugees?

Hi, I am a letting agent and an unrelated landlord has asked for some advice, his tenants (a couple) have moved in Ukrainian refugees into the rented property without his permission or discussion etc.

9:45 AM, 27th September 2022, About 2 years ago |  5

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Council took action against me after tenant started fire?

Council took action against me after tenant started fire?

We had a tenant who accidentally set fire to our 4 studio flats causing extensive damage. The council subsequently wanted to interview me under caution for suspected HMO breaches. Out of our depth, we...

17:19 PM, 26th September 2022, About 2 years ago |  7

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Can an AST be signed retrospectively?

Can an AST be signed retrospectively?

Hi, Just going through some tenancies and have come across a tenant who does not have a signed AST on file (or anywhere else). If we were to sign an AST, dated with the original tenancy start date (01.09.2020)...

14:49 PM, 26th September 2022, About 2 years ago |  11

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Any Lambeth landlords out there?

Any Lambeth landlords out there?

Hi, Are there any other Lambeth landlords reading this please? We submitted our licence fee for their additional licensing scheme in January 2022 and haven’t heard a thing since! I’m now wondering...

14:00 PM, 26th September 2022, About 2 years ago |  7

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Rent increase during tenancy agreement?

Rent increase during tenancy agreement?

Hello, I appreciate this is probably not the right place to ask, but I am a bit desperate for some assistance. Myself and my partner rent a property (and have done for nearly 6 years). We signed a 12 month...

9:50 AM, 26th September 2022, About 2 years ago |  18

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Tenant arranged removal of night rate meter in flat with electric heating?

Tenant arranged removal of night rate meter in flat with electric...

Hello, Advice appreciated! I have a flat that has no gas, and has electric storage heaters which were on night rate electricity. The tenant left, and we found he had arranged for SSE to change the meter...

9:36 AM, 26th September 2022, About 2 years ago |  28

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Long term negative equity problem?

Long term negative equity problem?

Hi, I have had a one bed flat for the last ten years, but it has not increased in value. The last tenant been in it for 4 years now. The rent has not increased for at least 7 years.

9:20 AM, 26th September 2022, About 2 years ago |  8

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Cheap expat mortgages for UK landlords living abroad?

Cheap expat mortgages for UK landlords living abroad?

Hi, I own 5 mortgaged rental properties in the UK. Since I am now living abroad I am concerned that when the mortgages are up for renewal, I will not be able to borrow at competitive rates. I can only...

15:16 PM, 23rd September 2022, About 2 years ago |  0

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Is there still value from incorporating where no bank borrowings?

Is there still value from incorporating where no bank borrowings?

Hi, Is there value from incorporating a buy to let portfolio where there are no bank borrowings? We have a small portfolio of three let houses and an industrial yard with no borrowings and the total value...

15:30 PM, 22nd September 2022, About 2 years ago |  2

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Carbon monoxide alarms – balanced flue boilers?

Carbon monoxide alarms – balanced flue boilers?

Hi Guys and Gals, Can’t find a clear answer to “is a CO2 detector required for a modern balanced flue combination gas boiler installed in a purpose-built cupboard on a landing?”. Some...

9:16 AM, 22nd September 2022, About 2 years ago |  15

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What counts as a new tenancy?

What counts as a new tenancy?

Hello, The government states that landlord must ensure that smoke and CO2 alarms are tested and are in working order at the start of a new tenancy. It states that a renewed of previous tenancy does not...

14:10 PM, 21st September 2022, About 2 years ago |  9

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What are fair cancellation terms in Letting Agency contract?

What are fair cancellation terms in Letting Agency contract?

Dear All, I currently have 3 HMO’s managed by a letting agent who I have been with for nearly 11 years. The owner of the business has sold the company to another local agent. I was notified in writing...

10:33 AM, 21st September 2022, About 2 years ago |  0

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