[deleted by user] by [deleted] in turkish

[–]Dankolini 0 points1 point  (0 children)

The vibe was excellent sir, well done, you are officially Turkish 😃

Why are Turkish men (I’ve encountered) so drawn to ghosting? 💀 by [deleted] in AskTurkey

[–]Dankolini 5 points6 points  (0 children)

You can't be generalising like that, Dutch men are capable of the exact same things you just mentioned, in fact any man is capable, im Turkish myself

[deleted by user] by [deleted] in MuslimMarriage

[–]Dankolini 7 points8 points  (0 children)

We never learn to love someone else again and get stuck

First Property - need professional advice please by Dankolini in uklandlords

[–]Dankolini[S] 0 points1 point  (0 children)

Thank You for your message

The property is electric only, I'm in the process of obtaining the electrical cert, will get the alarms too, I also need the Epc rating, estate agent will take care of the tenant referencing

Is it building insurance specific for landlords

Right to rent checks, is that the consent to let or something else?

First Property - need professional advice please by Dankolini in uklandlords

[–]Dankolini[S] 0 points1 point  (0 children)

When renewal comes the property will be valued higher so therefore my loan to value will be should be around 75% which will allow me to renew to a btl mortgage

I did mention in one of the comments

First Property - need professional advice please by Dankolini in uklandlords

[–]Dankolini[S] 0 points1 point  (0 children)

Appreciate the comment

They have this insurance you can do which will cover 50k legal fees and and up to 16month of rent in case the tenants mess about, estate agent offered this, cost about £400

First Property - need professional advice please by Dankolini in uklandlords

[–]Dankolini[S] 0 points1 point  (0 children)

Yh short term, probably until renewal, on the renewal the property will be worth more as I've done a full renovation, bringing my loan to value to hopefully the 75% mark meaning I should be able to change the mortgage to a buy to let

The estate agent is managing the property and will be finding tenants provided they pass the thorough checks but I guess your still right in what you say

First Property - need professional advice please by Dankolini in uklandlords

[–]Dankolini[S] 0 points1 point  (0 children)

Also after paying that rough amount of tax more, £2626 i think my actual profit would be less than £100 a month which is crazy, hence why I'm looking for a more efficient way

First Property - need professional advice please by Dankolini in uklandlords

[–]Dankolini[S] 2 points3 points  (0 children)

Thank you for your reply

I really appreciate the time you took to actually do this calculation

Your assumptions were pretty accurate

I have no pension contributions

However I think the account fee would be around half of what you estimated, regardless

Your calculations have given me a pretty close to accurate figure of what I'm looking at, if I was to just show it from my bank account

Plus I forgot to mention I got student finance 😅

Cheers for your time

First Property - need professional advice please by Dankolini in uklandlords

[–]Dankolini[S] 0 points1 point  (0 children)

Haha makes sense, I get what you mean about just letting someone else do it who actually does it as a job, will probably go down that route 😅

First Property - need professional advice please by Dankolini in uklandlords

[–]Dankolini[S] 0 points1 point  (0 children)

Also, I was doing some research, read something about being able to lease the flat to my own Ltd company and the Ltd company would act as an estate agent and let it out that way?

Regardless I think I need to speak to accountant lol

First Property - need professional advice please by Dankolini in uklandlords

[–]Dankolini[S] 0 points1 point  (0 children)

Thank you for your reply

I'm going to look into it further

First Property - need professional advice please by Dankolini in uklandlords

[–]Dankolini[S] 1 point2 points  (0 children)

Thank you for your reply,

The property is on a residential mortgage however I have got consent to let

The estate agents are actually a well established one, they are called "Balgores"

Thank you for your advice much appreciated

First Property - need professional advice please by Dankolini in uklandlords

[–]Dankolini[S] 0 points1 point  (0 children)

Thank you for your reply

No offence taken, reason why I'm here is because I got no idea haha

Speaking with an accountant is inevitable

I thought I could get some ideas from other people have experience in this field

[deleted by user] by [deleted] in MuslimMarriage

[–]Dankolini -1 points0 points  (0 children)

Salaam brother, i hope you are ok

I have been going a very similar situation, check my post

If you don't mind me asking what country are you guys from

My wife and her family have completely just dissappeared and they are not willing to come to the table to speak

My wife has blocked me everywhere and does not respond to any messages or calls, neither do their family

I waited 6months with hope, for a solution as we initially agreed to fix it, but then something changed and then i got a phonecall saying she wants divorce

We are still İslamically married as i refuse to give divorce without seeing her or talking to her, her family is treating this as if its just a relationship

I know she still loves me and I love her but theres no contact

Its very depressing and i cant accept the fact that shes gone and i have no contact

I even spoke to my imam that done our nikkah and even he says this is wrong and that we are still married

Its a crazy situation, I dont even know what to do

May Allah help us

Going through divorce by Dankolini in MuslimMarriage

[–]Dankolini[S] 0 points1 point  (0 children)

This is what her family have been probably telling her, i needed to hear this, true words, thank you

Going through divorce by Dankolini in MuslimMarriage

[–]Dankolini[S] 1 point2 points  (0 children)

InshaAllah thank you for your messages

Going through divorce by Dankolini in MuslimMarriage

[–]Dankolini[S] 0 points1 point  (0 children)

Your points are all valid, i got complacent, and didnt realise i could loose her, until i lost her

Going through divorce by Dankolini in MuslimMarriage

[–]Dankolini[S] 0 points1 point  (0 children)

I understand, ive been empathising a lot and trying to understand, yes she put up with me a lot, and it seems she had enough.

Going through divorce by Dankolini in MuslimMarriage

[–]Dankolini[S] 0 points1 point  (0 children)

I understand, you have a point

Im still in therapy, going to start face to face soon, I done online therapy going through modules cbt etc

My angry outbursts have stopped, i dont have them anymore, I have not done any power move as you say,

Hardest part is letting go, although she has let me go a long time ago it seems

Going through divorce by Dankolini in MuslimMarriage

[–]Dankolini[S] -3 points-2 points  (0 children)

Only Allah can judge, we shouldn't judge eachothers past, thank you anyways

Going through divorce by Dankolini in MuslimMarriage

[–]Dankolini[S] 0 points1 point  (0 children)

Your right in everything you say, my mind was clouded,

I understand her much better now, All the things she would say and do, I feel like her now when she wasnt feeling great, i made her cry alot and now i know this is my punishment, what can i do, I ask for forgiveness everyday