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AFS Pinterest AFS facebook AFS Twitter AFS LinkedIn Maximising Profits From A Student Let


Maximising Profits From A Student Let

By Simon Thompson
Making as much profit as you can is the main objective of any student landlord. Profit is derived from a positive cash flow, which means you have more rent coming in than bills going out. Your student letting business may make a profit already, but you may still be able to make even more money by following some of our tips. Don't make the classic landlord mistake The classic landlord mistake is concentrating on the property and not the finances. Many investors buy a property, refurbish and let then move on to the next investment without considering tax-effective ownership, keeping good financial records and dealing with HM Revenue and Customs. Then, two or three years down the line, the tax man chases them for his share of the profits and they find the lack of record keeping leaves them open to paying more tax than they should, plus fines and penalties. Letting student property is a business and no business can run without up-to-the-minute information about cash flow, expenses and future tax liabilities. Thinking a property 'makes' £35,000 a year because that's how much rent comes in is bad financial management. Rent is cash flow – it's the money the property generates for paying the bills. The money the property makes is the profit at the end of the year after all the bills are paid. Three student landlords can each own and manage identical properties next door to each other on the same street and still make a vastly different profit while receiving the same rental income. That's because variables come in to play for each landlord – one might have a more expensive mortgage or maybe one is a little lax about rent collection and lets arrears build up. Here, we look at finding different ways to bring in more cash. Don't forget not all these tips will work for your student letting business because personal and local factors often limit what you can do. 11 Tips For Improving Profits A business has to remain competitive – that does not mean you can't charge more and become the Stella Artois of student lets, but if you do, you have to offer that little extra that your rivals don't. Letting to students is profitable because a property that might generate £10,000 a year from rental to a single tenant can return twice or even three times as much rent when let on a per room basis. The rewards are greater for landlords who take the plunge in to student letting, but it's not easy money. Student lets are more management intensive than ordinary buy to lets, have increased regulatory standards to meet and often need a greater investment in furnishings and equipment. Pushing up the rents Putting the rent up instantly increases cash flow and the money coming in to the business, and providing expenses and other outgoings stay the same, putting up the rent increases profits. Many landlords are scared of frightening students off by charging rents that nudge the upper limits for their accommodation. A successful landlord is hard-nosed and has to take the emotion out of the relationship with tenants. Soft negotiation, below market value rents and lax credit control lets the tenant take the upper hand in your business. That's what you are running – a business. Any money you give away to the tenant is money you have to find from somewhere else to pay the bills. The fact is too many students are chasing too few letting rooms in most university towns and cities. Offer good accommodation at a fair market price backed with top notch customer service and you will let your property without a problem. Review your rents at least once a year and make a modest increase at least in line with inflation to make sure your bills are not eroding your profits. Pushing down expenses A good businessman knows putting up prices increases cash flow, but pushing down expenses increases profits. You don't want to cut expenses to the bone, but shop around for good deals when insurance renewals and other contracts come up; get quotes from tradesmen rather than relying on a 'mate' and try to find competitive suppliers. It's also a good idea to have a 12-month maintenance plan tied to the financial year (April 6 one year until the following April 5). That way you can budget for the cost and can negotiate a price rather than pay through the nose for a last-minute call-out. Avoiding rental voids Marketing is a crucial part of a property business. A room in a student let is not earning money while it stands empty. Rental voids impact on profits and the pound in a landlord's pocket. Manage your tenants – take a prebooking for the following academic year from your tenants in time to list your property at the local university's house fair. This means you need to have an agreement in place around Christmas or the New Year with your current tenants, as the new intake are generally looking for accommodation during January. Joining a university or local council accreditation scheme will also reinforce your place in the market as students will have more confidence in your business. Manage the rents Students are great at spending money on stuff they don't need and not always as good at paying the bills. Make sure you impose credit control – • Screen your tenants as best you can before they move in • Set a regular date in the tenancy agreement for collecting the rent • Don't let rent arrears build up Just remember it's the landlord that goes short if a tenant fails to stump up the rent on time. The missing money has to come from somewhere – if it is out of cash-flow, then the money is not available to spend elsewhere or is borrowed at cost on overdraft. Refinance your mortgage Easier said than done in the current financial climate, but a good way of improving your personal finances is to remortgage to extract your initial investment back from the business. This is a double-whammy. On the one hand you can set off the mortgage interest as a business expense, while on the other you can put the cash back in your bank or spend the money however you want tax-free. Don't forget many landlords often do not claim interest on the money they borrowed against another property, like their home, as a business expense. The rules say your letting business can reclaim any interest on borrowing, whether they are secured against a business asset or not – this means the landlord's home or even interest on money spent on a credit card. Improve your student house This is not necessarily an instant solution. Improvements are capital costs that are dealt with via capital gains tax when you sell an investment property. The result of the improvement, like an extra couple of rooms in the loft or an extension generate more rent, which leads to improved cash flow and more profits providing expenses do not jump pro rata. One point to watch for is not over extending a property so the size and value makes the home difficult to sell to anyone other than another student landlord. Keep good financial records Landlords need to keep detailed records that are cross-referenced by owner and property so you can: • Look at the financial performance of each property to see which ones make most profit or lose most money and why • Look at the profit and loss of each owner and produce accurate figures for their personal tax returns These records should be archived by tax year and kept for five years in case of any inquiry from HM Revenue and Customs. Keeping solid financial records means you can examine your costs to claim any tax reliefs that are available. This not only applies to day-to-day running costs, but other financial reliefs like capital allowances. For instance, if you own a car and business use makes up 30% of the mileage, you can claim 30% of the running costs of the car – plus capital allowances which are special reliefs for business that reduce the tax you pay. These reliefs are automatic and you do not have to jump through hoops to qualify for them, but you need to prove you have incurred the costs to claim them. Tax effective property ownership This is a simple tax reducer missed by so many couples who own property jointly. Take a married couple who own a student let that makes £15,000 a year profit. If they have equal shares in the property, the one who is a top rate taxpayer (40% or more) has £3,000 to pay HM Revenue and Customs while the other pays £1,500. Often the lower rate taxpayer does not work or has an income well short of the top rate threshold (£35,000 for 2011-12). If the shares are adjusted so the lower rate taxpayer takes more of the profit, the overall amount of tax due is reduced. Note, this only applies to married couples or civil partners as the transfer is capital gains tax exempt for them but not for anyone else. Take our couple above. Switch their shares of ownership from 50:50 to 80:20 in favour of the lower rate taxpayer and the tax liability comes down because the tax on the 80% share is charged at 20% on £12,000 (£2,400) and 40% on £3,000 (£1,200). Instead of paying £4,500 income tax jointly, they only pay £3,600 on the same profits. The strategy has the same effect on capital gains tax. Beware of the stamp duty tax trap, though. If the value of the transferred share exceeds £125,000 and is mortgaged, stamp duty may be payable on the transaction. Kitting out your student let Every property needs occasional maintenance and repairs. Remember your property is your business. You do not live there, so do not expect to finish the property like you would your own home, but think of the needs and wants of your tenants. There's a fine line between overspending and reducing your yield and profits and not spending enough that makes your property unmarketable. Many landlords with more than one property impose the same colour schemes across their portfolio. This way they can buy paint and soft furnishings, like curtains, in bulk and ask for a discount. Buy fittings and furniture for your market as well. Students might like a stylish, top of the range kitchen with granite work surfaces, but be realistic about your tenants and how they will treat your property. Rather than heading for cutting-edge design, you want sturdy, functional and robust furniture and fittings. Students are notorious for knocking things about and not considering the consequences of their clumsiness. If you are not sure what to buy to kit out your house, view a rival student let or go through some photos on web sites to see what other landlords are providing. Some landlords look at reducing their repairs when they buy – for instance flat roofs are notorious for requiring regular maintenance and bay windows are more expensive to double glaze than flat windows. Manage the property yourself Many landlords have no idea what they are letting themselves in for when they start letting to students. If you live a distance from your investment or work full time, you may well want to consider letting through an agent who will find the tenants, collect the rent and handle small repairs. This service costs money – about 15% plus VAT of the annual rent. If you have more than one property with a letting agent, negotiate a discount on the fees – most will come down to at least 12% if not more. Landlords who live close to their investments are often more hands on and manage their properties themselves. This can be labour intensive, especially if you have three or more properties because the problems will fly in thick and fast and sorting them out almost becomes a full time job. Market your features and benefits Look at how the big boys in the student lettings game, like private halls provider Unite, market their properties. The offer a student package rather than a room to let. The packages often include bills, contents insurance, broadband and wi-fi marketed as a single monthly payment. Also highlight your distance from campus, transport links and local facilities. Providing a hotline for dealing with problems and repairs also shows you are customer-conscious. What sort of return should you expect from a student let? If you trade in a void without any figures for comparison, you will never know whether your business can make more money or whether you are at the top of your game. Benchmarking is the process many businesses apply to measuring their performance against others in the same market. The problem is funding reliable data and statistics as comparisons for your property business. Several organisations publish student letting data – NatWest Bank and Lloyds TSB have annual student surveys, London commercial estate agent Frank Knight publishes stats for student lets in London and specialist landlord mortgage provider Paragon Mortgages has a letting index as well. The big corporates like Unite also publish useful data in the annual reports to shareholders. All of these publications can give provide good indicators of performance, like average rents, yields and occupancy, often broken down by region. Comparing these figures with your letting business can be useful, but remember they are often regional averages rather than precise statistics for individual properties. A good measure of profitability and performance is to work out the return on investment or 'yield' from a student let. To calculate yield: • Work the annual rent received • Work out the total annual expenses • Deduct expenses from profits to leave a net profit • Add up your cash investment in the property, which is your deposit plus annual expenses ( from the step above) • Divide the profit or loss by your cash investment • Multiply by 100 For example, you buy a student let for £350,000 and let the property for an annual rent of £22,000 and annual expenses of £8,000. Your cash deposit was £87,500. Net profit is £22,000 - £8,000 = £14,000 Cash investment is £87,500 + £8,000 = £95,500 Yield is £14,000 divided by £95,500 x 100 = 14.65%
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Landlords are increasingly unwilling to accept universal credit tenants

A big rise in the non-payment of rent in those areas where universal credit has been introduced has been predicted.

The National Landlords’ Association (NLA) says that universal credit will lead to a decrease

Posted by on 16/01/2018 12:12:59
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Following on from the government’s announcement for a national mandatory HMO licensing scheme, comes news of new minimum room size requirements for HMO rental properties.
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Research reveals that 2017’s rents fell in real terms

The rents being paid to landlords in all parts of the UK fell in real terms during 2017, research suggests.

The findings from HomeLet reveal that rents in November rose by 0.7%.

That's the 11th straight month that rent increases have fallen beh

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Landlords can now receive Universal Credit directly

Moves by the Government to change Universal Credit so direct payments for a tenant's rent can be made to landlords more easily have been welcomed.

The Residential Landlords' Association (RLA) has been campaigning for the move since the introduction of

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Tax relief worth billions still available for landlords

Despite the recent changes to the tax relief system, buy to let investors can still enjoy around £16.7 billion worth of tax relief, say researchers.

The revelation from estate agents ludlowthompson points to the fact the money is available over t

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UK's student accommodation sector will continue strong growth in 2018

The provision of student accommodation in the UK will continue to grow through 2018 after a record-breaking 2017, says one real estate firm.

Cushman & Wakefield has carried out research that reveals 30,000 bed

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Tenants are put off by misleading property adverts

Most tenants say they have been deterred from renting a property because of misleading property adverts or having a bad experiencing when viewing one, according to research.

The findings from online letting agency Upad reveal that 80% of tenants say th

Posted by on 14/12/2017 09:23:32
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Landlords more willing to let to Universal Credit claimants

Landlords are apparently increasingly willing to rent their properties to Universal Credit claimants but say the government needs to address their concerns.

Research carried out by the Residential Landlords’ Association (RLA) reveals that 36% of

Posted by on 14/12/2017 09:21:40
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Draft Tenant fees Bill
On the 1st of November 2017, the government published the draft tenant fees bill. You can read the full document here
Posted by on 17/11/2017 11:27:16
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Landlords could increase rents after rates rise

Landlords could push up rents more quickly after the first interest rate rise for 10 years and could lead to the sector being 'galvanised', according to the Landbay Rental Index.

The founder of Landbay, John Goodall, said that landlords have been facin

Posted by on 15/11/2017 12:24:08
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UK's landlords see rents slide in October

Landlords around the UK have seen rents fall in October with the biggest falls being in the South West, according to one index.

The HomeLet rental index reveals that every region was affected with the south west seeing a fall of -2.9%, while in the sou

Posted by on 15/11/2017 12:22:34
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Number one reason for tenant deposit deductions revealed

The main reason why tenants see deposit deductions being made has been revealed by research from the Association of Residential Letting Agents (ARLA).

The organisation says that tenants who fail to clean their property properly when leaving is the top

Posted by on 15/11/2017 12:18:23
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Letting agent fees WILL be banned

New legislation has been unveiled that will see letting agent fees being banned and hefty fines being imposed on those who try to charge them.

In addition, agents in England and Wales also face imprisonment if they have already been fined £5,000

Posted by on 06/11/2017 10:10:08
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Landlord confidence shows signs of improvement

The levels of confidence amongst landlords is improving after suffering from historic low levels, according to one index.

BM Solutions says landlords expressing confidence in their business has seen its biggest improvement to 41%, an increase of 5% on

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Rents increase and yields are stable

Landlords with rental properties in England and Wales have seen rents increase in most areas over the past year, according to the latest index.

The findings from Your Move show that the strongest rent growth was seen by landlords in the North West.

Posted by on 06/11/2017 10:07:19
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Rents for the UK’s rental properties rise by 2.1%

The average rent for a buy to let property grew by 2.1% in the year to September, an index has revealed.

The figures from HomeLet show that the average rent now being paid is £927 every month.

For landlords in London, rents rose by 1.9% o

Posted by on 26/10/2017 11:21:12
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Landlords prefer childless couples as tenants

The best tenants being favoured by landlords are childless couples, says a new survey.

According to Intus Lettings, these couples are considered to be the 'perfect tenants' by landlords with 29% stating that couples without children are their preferred

Posted by on 16/10/2017 09:33:02
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One in 20 BTL properties fail minimum energy standards

It has been revealed that one in 20 properties in the UK's private rental sector are failing minimum energy standards.

The findings from AXA Direct also reveal that landlords are making progress towards meeting the sector’s required standards.

Posted by on 13/10/2017 14:15:32
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Landlords start exiting the buy to let sector

One leading firm of letting agents is warning that buy to let investors are beginning to exit the sector.

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The firm's chi

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Landlords increasingly look to sell one or more units

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Private sector rents up in June

An index has revealed that private sector rents for landlords in England and Wales grew by 1.6% between May and June.

The findings from Your Move's buy to let index show that the average rent being paid is £827 per month; that's 2.1% higher than

Posted by on 08/09/2017 17:12:50
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Landlord confidence takes a knock

Despite the prospect of high yields and profitability, a survey has revealed the landlord confidence around the UK has fallen.

The findings from BM Solutions looked at all the key indicators for the second quarter of 2017.

They say that the lev

Posted by on 06/09/2017 17:27:40
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Young tenants turned away for late payment fears

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Posted by on 31/08/2017 16:39:57
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Landlords 'don't know what tenants want'


Landlords in the private rental sector are out of touch with their tenant’s wants and needs, according to new research.

The findings from an online letting agent revealed that tenants are clear most often about what they want and t

Posted by on 18/08/2017 15:44:30
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It's a popular peak time programme and now one industry body says that ‘The week the landlords moved in’ on BBC1 is an eye-opener for the lettings industry.

The Association of Independent Inventory Clerks (AIIC) says the biggest issue being

Posted by on 18/08/2017 15:42:55
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Landlords remain confident over future

Despite the impact of higher buy to let taxes on the sector, research reveals that landlords remain confident about their prospects.

The findings from investment platform Property Partner reveal that 57% of landlords had not changed their view of the

Posted by on 18/08/2017 15:41:10
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Long distance commuters boost rise in residential rents

Demand for lower rents from long distance commuters is one factor leading to rents in the East of England recording strong growth, reveals one index.

Landlords with properties in the East of England saw their residential rents grow at four times the av

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The most attractive locations for landlord investment revealed

New data has revealed which are the most attractive UK locations for landlord investment and Manchester is quickly closing in on London.

The figures from UK Finance, an industry body, says that landlord investment has dropped since April last year by m

Posted by on 11/08/2017 15:58:13
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Landlords lose confidence in profitability

Less than half of landlords in the UK are optimistic about the reliability of a steady rental yield, according to a new survey.

The National Landlords’ Association (NLA) says that over the last two years the number of landlords who expressed conf

Posted by on 11/08/2017 15:55:51
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Rents in London will fall but rise elsewhere

Landlords with a property in London will see rents falling by up to 2% this year but they will rise elsewhere, according to an analysis.

Hometrack has published a report that reveals that in 2017, the average rent for a property in London will drop by

Posted by on 14/07/2017 17:41:52
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Landlords target high yielding properties

Landlords are increasingly targeting cheaper properties that deliver higher yields, say researchers.

The findings from Mortgages for Business in its latest buy to let index reveals that of the mortgages arranged in the second quarter of 2017, most of t

Posted by on 14/07/2017 17:10:11
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Landlords ‘unprepared for tenancy turnovers’

Landlords could be losing money when tenancies turnover because they have not prepared properly, particularly in the UK’s student rental market, says one organisation.

The Association of Independent Inventory Clerks (AIIC) says landlords should p

Posted by on 14/07/2017 17:08:29
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Glide revolutionises broadband offer

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Posted by on 21/04/2017 16:16:41
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Fears of a property sell-off by landlords

Fears are increasing that buy to let investment for landlords is becoming less attractive and may lead to a property sell-off.

The warning has been issued by the Association of Residential Letting Agents (ARLA) who say that the pa

Posted by on 07/04/2017 10:52:46
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Landlords predict a successful 2017

The confidence of buy to let landlords has been underlined with a report that points to growing confidence and predictions for a successful 2017.

The report from Shawbrook Bank reveals that 81% of landlords say they are confident

Posted by on 07/04/2017 10:50:34
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Landlords switch to limited companies

In a bid to beat the tax changes and save profits, growing numbers of landlords are opting to use limited companies for their buy to let portfolios.

According to Mortgages for Business, 77% of BTL applications in the first three m

Posted by on 07/04/2017 10:48:03
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Landlords will still use letting agents despite fees ban

Most landlords across the UK will continuity use letting agents despite facing a proposed tenant fees ban, says a new study.

The UK Association of Letting Agents (UKALA) says that 79% of landlords believe their agent fees will inc

Posted by on 24/03/2017 16:05:47
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Landlords increasingly looking to avoid upcoming tax changes

Among the moves being considered by landlords to avoid upcoming tax changes is an increasing attraction to commercial buy to let, say researchers.

The National Landlords’ Association (NLA) says that the changes to the reduct

Posted by on 24/03/2017 16:02:58
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Student landlords alarmed by fast track degrees

Landlords with student tenants say they are worried about the prospect of the Government introducing two-year fast-track degrees, says a survey.

According to one student tenancy website, landlords believe their rental business wil

Posted by on 24/03/2017 16:00:51
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2017 Student Lifestyle Survey

We are pleased to announce that our findings from the 2017 student lifestyle survey have now been released. Over 1000 students took part in the research, answering questions on student finance, term time employment, student social life and future housing aspirations alon

Posted by on 22/03/2017 16:54:59
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Landlords at risk when using DIY inventories

Inventories when done properly can be crucial in a tenancy deposit dispute but many landlords are putting themselves at risk by using a DIY inventory rather than a professional one.

Now digital inventory firm Imfuna Let says landl

Posted by on 08/03/2017 15:10:06
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Landlords see rents and demand rocket

Landlords in England and Wales has seen a strong start 2017 with rents rising in every region but one, according to a buy to let index.

The research by Your Move looked at the year to January and found the area with the quickest g

Posted by on 08/03/2017 15:07:27
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Where the UK’s tenants say they are happiest

The happiest tenants in the UK are found in the North East of England, according to a survey, where 52% of those questioned said they were happy with their landlord.

The findings from Intus Lettings reveals that tenants in London

Posted by on 08/03/2017 15:01:59
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Britain's best areas for BTL returns revealed

One of the most important aspects for landlords is to invest in property that offers the best buy to let returns to make their investment a lucrative one.

Now the average rental yield for 50 cities and towns in the UK have been analysed by Kuflink, a p

Posted by on 17/02/2017 15:13:49
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Buy to let set to become more expensive

While landlords with buy to let properties around the UK have been enjoying low rates for mortgages are now being warned that their borrowing costs look set to rise.

Data from Mortgage Brain reveals that the sector has had several years of strong reduc

Posted by on 17/02/2017 15:11:55
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Nearly one in five home will become unrentable

Fears have been raised that if the Government’s plans for new energy legislation proceed then nearly 17% of rental properties could become unrentable by 2018, according to data.

Those are the findings from who say that the minimum ene

Posted by on 17/02/2017 15:09:09
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Landlords face fury with Santander contract clause

Housing groups and tenants have reacted with fury after the revelation that landlords with a Santander buy to let mortgage must raise their rents by as much as they possibly can.

The revelation was made in a mortgage magazine and the landlord that unco

Posted by on 08/02/2017 10:49:16
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Landlords warned about using rogue tradesmen

Landlords and letting agents are being warned to be on their guard against rogue tradespeople who are looking to rip them off with dodgy work on rental properties.

The warning comes from the Association of Independent Inventory Clerks (AIIC) who say th

Posted by on 08/02/2017 10:46:41
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Landlords - beware of holiday sublets

Landlords should be vigilant when tenants go away for holidays and decide to sublet their rental property without the landlord's consent.

The warning comes from Total Landlord Insurance which says it has seen a 14% increase in the number of accidental and malicious dam

Posted by on 03/02/2017 14:21:23
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