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About Richlist

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    Super Senior Member
  • Birthday November 27

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    Women, wine, music.....in that order

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  1. Richlist


    * Its not the courts job to provide you with information on the eviction process. * It's a mistake to assume that your Estate Agent is an expert on eviction law. * It's probably a mistake to act on information you receive from an internet forum. The result is a high probability that you will get it wrong. If you get it wrong it could be expensive in terms of time, money and your liberty. I'd recommend you employ an expert such as, Landlord Action.......you will find them with a web search.
  2. They are needed in any living accommodation that uses gas, including propane, oil or solid fuel e.g. coal or wood burning appliances. In properties which are all electric they are not required.
  3. Richlist


    I have no experience of this but some points worth mentioning ...... * Interest rates on a BTL can be a little higher than a residential mortgage. So, putting any breach of mortgage terms aside for the moment.......it would make sense to do a back to back comparison to see which is cheaper. * You would presumably want to make sure that a breach of mortgage terms is not going to adversely affect any future insurance claim you may need to make......buildings, contents, unemployment insurance etc, etc. * You might also want to consider what would happen should your breach be discovered......would it affect your ability to make future mortgage applications ? I suspect the best choice will turn out to be a transfer to a normal residential mortgage.
  4. My Agents provide rent guarantee insurance as part of the package they offer so that's what I use most of the time. Prospective tenants have to meet the usual criteria so that the tenancy qualifies for the insurance. Occasionally a tenant doesn't qualify but I still agree to accept them. When this happens I insist on a home owning guarantor. Other landlords will arrange rent guarantee insurance through companies such as Direct Line, premiums are paid by the landlord usually. Because tenants have to meet strict minimum requirements in terms of income, employment & references there is no point in any applicant applying if they don't meet the insurers requirements. Applicants on benefits are unlikely to meet the minimum insurance requirements and it's my experience that mostly they are unable to provide me with a home owning guarantor.
  5. Thats what many of us already do........we insist on either rent guarantee insurance or a home owning guarantor required for every tenancy. It's usually novice or inexperienced landlords who overlook the need for such essentials. This combined with very, VERY carefully selection of a suitable tenant (s) can ensure everything runs smoothly. I once had a property empty for over 2 months whilst 58 prospective tenants viewed it.......57 of them were unacceptable.
  6. The issue is that : 2a......the tenant DID share the accommodation with the landlord and 2b..... you DID NOT occupy the property as your principle home. I suspect that you must comply with both 2a & 2b to qualify. Free legal advice is usually available.
  7. Yep......professional legal advice is very likely required.
  8. I'm absolutely astonished. You have made a number of mistakes and now want to check your legal position on an unknown and previously unused internet forum. Go and get some professional legal advice. Citizens Advice Bureaux used to offer free consultations.
  9. I've never been a member of the NRLA and I've survived handsomely for over 20 years. Membership of anything is a personal choice usually made on the basis of what being a member can provide. If you are not getting anything there seems little point in joining.
  10. Over the years I have learnt that as a landlord you have to do the follwing: 1. Roll with the punches. 2. Continuously look to identify any other investment that will provide you a better return. 3. Try to see the positives in any bit of bad news. The positive(s) here are * It's limited to 60 days and * It doesn't cancel the debt.
  11. Richlist


    It has to be protected within 30 days......along with all the other requirements relating to deposit protection. Only option now is to return the deposit to the tenant.
  12. So....... * Your name(s) at least needs to be on the tenancy agreement......you can use the agents address. Unless you a)sublet....which may breach mortgage or insurance requirements or b) form a Ltd liability company * Your full names and address will always be available from the land registry. * Consideration needs to be given for emergency contacts i.e. Out of hours emergencies when your agents are shut (evenings & weekends). * There are now a long list of documents that have to be given to the tenants. It would be quite difficult and probably quite costly to ensure 100% that your names and address was not on Any of those documents. Personally I'd forget the idea completely.
  13. Don't see the point. It would be very easy to find your name and address. If your rental property is registered at the land registry your details will be a matter of public record.
  14. My understanding is * A rental contract can be for any length. * The minimum term for an AST is 6 months. * You cannot evict someone unless by mutual agreement before 6 months have elapsed. * I've never heard of a 6 month AST with a 3 month break clause......it's non enforceable. * Evictions in England are currently banned during the pandemic.....so if tenant doesn't want to go, you are stuck with them. Someone who knows more than me will be along shortly.
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