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MORTGAGES – Interest Only or Capital Repayment?

My personal view is that an interest only mortgage is far better than a capital repayment mortgage, here’s why …
Back in 1971 my parents borrowed three times their joint income to buy a house that cost them £3,000.

Do landlords deserve to lose their Buy to Lets Mr Gove?

The moment we’ve been anticipating has arrived; two weeks since Gove released his White Paper for a “faired private rented sector,” Landlords are taking stock of how best to deal with the upcoming changes they now need to make to their buy-to-let portf…

Leaseholders now protected from unfair safety costs

Many leaseholders will for the first time be legally protected from unfair bills to make their homes safe as measures in the Building Safety Act 2022 come into force on 28 June 2022.
Those responsible for historical safety defects

Eviction without deposit PI served?

Hi All, My tenant’s deposit funds were secured correctly at the start of the tenancy.
However, the explanatory prescribed information leaflets about reclaim of cash etc. has NOT been served upon the tenant.
My question is: Will the eviction get b…

Can I increase rent while waiting for a S21 eviction?

We are using Section 21 to evict a tenant because the freeholder is legitimately complaining about overcrowding and noise (birth of two children in a one-bedroomed flat post moving in).
However, the rent has always been paid, albeit at a lower than the…

Tenant asking to move young brother in for a couple of months?

Tenant just contacted me to say his younger brother is moving in for ‘a couple of months’ as his parents (whom he lives with) are being evicted and my tenant wants to give him some stability while the parents are in temp accommodation.

EMERGENCY Recession Webinar

The news is currently full of talk about recession. In fact, it feels like we are talking ourselves into a recession. If we do go into a recession, what will this mean for you and your property investing?
This is VERY important for you because the next…

Demand presures on the PRS are not easing and still pushing up rents

The latest Propertymark PRS report indicates properties available per branch are remaining static at 10, but demand from tenants is continuing to increase.
In May there was an average of 113 new applicants registered per member branch.

Rectify or replace 1980s loft conversion?

Hi Everyone, I was desperate to move and had to buy a bungalow for easy accessibility by elderly parents. I bought the dormer bungalow and an indemnity policy for a rear loft conversion (large single, box room & shower room) that received planning …

Getting the property back out of my estate?

In 2009 my son-in-law got into financial difficulty and I repaid all debts and the mortgage on their property and took ownership of their home allowing them to remain in the property rent-free. At the time I paid 209k for this property.

Banning of Landlords using Airbnb?

Hi Everyone, I’ve just read in ‘The Daily Mail and The Telegraph’, that Gove (in all his wisdom!), is now proposing banning Landlords from using short-term holiday let web portals such as Airbnb. He is also considering implementing th…

What is the best way to sell buy-to-let property?

With inflation at a 40-year high, interest rates are at a 13-year high with more increases predicted, and higher tax bills it’s getting tougher for landlords with mortgages to make an annual profit on their rental income. For many landlords

£150 million for Help to Build equity loan scheme

Backed by £150 million of government funding, Help to Build will enable people to overcome prohibitive mortgage costs to build a home that is tailored to their needs and in a community of their choice, with just a 5% deposit towards land and building c…

Petition and Regulation of Property Agents

Over the past few weeks, I’ve been working on a petition to get RoPA actually implemented. After a bit of effort, it’s now live and ready for you to sign. It says …
“Regulation of Property Agents has been requested by industry bodies for many years &#8…

Renters’ Reform Bill – Mortgages and RGI

Hi Everyone, Has anyone received any information/feedback regarding what mortgage and Rental Guarantee Insurance (RGI) companies’ thoughts are with regards to the proposed new legislation, The Renters’ Reform Bill?
I expect RGI insurance pr…

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