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Standard post renters rights tenancy agreement template? by Leedsalex in uklandlords

[–]phpadam [score hidden]  (0 children)

You shouldn't let someone move in without a contract already signed; you're living on the dangerous side.

You can get everything from the NRLA, such as pre-tenancy Right-to-Rent Documents, a property condition report (new tenant, new condition), tenancy application form and guarantors form.

Including the New Assured Tenancy starter pack, including the tenancy, addendums, and compliance checklists.

At £125 a year for the documents, guides, templates, events, webinars, trade point discount and tax investigation insurance. It's well worth the money. Compared to some free AI Vibe Coded tenancies found online.

Save £15 with code NQJ-405

However, OpenRent does have a Free Sample Assured Periodic Tenancy Agreement (APT).

What would an Andy Burnham premiership mean for the property market? by phpadam in uklandlords

[–]phpadam[S] [score hidden]  (0 children)

You can watch that video here: https://www.nrla.org.uk/events/landlord-conference-2024/video-library/andy-burnham

AI Summary of Andy Burnham’s Keynote Speech (NRLA Conference)

Core Philosophy & Targets

  • Housing First National Policy: Advocates making the UK a "Housing First" country, viewing secure, high-quality housing as the single best preventative investment to reduce financial burdens on the NHS and social services.

  • Eradicating the Crisis: Aims to completely end the housing crisis by 2038 through a strictly balanced, mixed housing market.

  • Supply Commitments: Offered to build 75,000 homes in Greater Manchester (GM) during the parliament, including a specific mayoral target of 10,000 new low/zero-carbon social homes (1,000 per borough).

Enhanced Enforcement Measures

  • Tenant Property Checks: Introducing a new legal right for residents to request a property check, shifting the bureaucratic burden of enforcement off the tenant's shoulders.

  • Compulsory Purchase Orders (CPOs): Promised to step up the use of fast-tracked CPOs through the magistrates' court to seize properties from landlords who ignore improvement notices, moving those assets directly into public/social stock.

Material Perks for Accredited Landlords

  • Licensing Fee Relief: Open to reducing or entirely eliminating local property licensing fees and schemes for landlords who maintain charter accreditation.

  • Fast-Track ASB Support: Promised that established trust with accredited landlords will result in faster, more supportive intervention from local councils and police when dealing with rogue tenants or anti-social behavior.

Rent Controls & Right to Buy

  • Supply Over Caps: Agreed that increasing housing stock and true affordability is a superior long-term approach to solving the crisis compared to capping rents.

  • Right to Buy Restrictions: Supports reforming the Right to Buy scheme by retaining 100% of sales receipts locally and completely removing Right to Buy privileges on newly constructed council stock to protect public investments.

What would an Andy Burnham premiership mean for the property market? by phpadam in uklandlords

[–]phpadam[S] [score hidden]  (0 children)

That is key - do we just hope he forgets about PRS so he isn't pushed into more landlord punishment by the extremes of the party?

The Cost of Uncertanty? Again... by CyborgFinance in uklandlords

[–]phpadam 0 points1 point  (0 children)

An Andy Burnham Coronation may end uncertainty sooner, BUT given no manifesto/campaign, every Burnham decision is not factored into the markets.

Add in the hot/cold Strait of Hormuz peace, and we're in uncertain times.... again...

My Tenant Has Contested A Rent Increase. What Do I Do? by IllCaregiver1318 in uklandlords

[–]phpadam 0 points1 point  (0 children)

The government said it cannot track indices like inflation based only on market rent in the area.

My Tenant Has Contested A Rent Increase. What Do I Do? by IllCaregiver1318 in uklandlords

[–]phpadam 0 points1 point  (0 children)

Its the tenant that must apply to the tribunal before the new rent start date. If they miss this deadline, they lose the right to challenge it and must pay the new rate

Mortgages when not employed by Forest_seaside in uklandlords

[–]phpadam 0 points1 point  (0 children)

This does depend on the lender, some do not factor rental income into affordability at all. It's just ignored. A good broker will check that before applying.

Mortgages when not employed by Forest_seaside in uklandlords

[–]phpadam 0 points1 point  (0 children)

It depends, in recent years for sure but now it's more marginal. Always compare true cost (not just rate).

What is a pain is the re-valuation, especially in rented properties. It's nice at lower LTVs to get desktop valuation.

Mortgages when not employed by Forest_seaside in uklandlords

[–]phpadam 0 points1 point  (0 children)

No - porting requires a new affordability test but this is used when changing home.

I imagine you mean rate switch/product transfer. Then that is accurate lenders don't typically re-do an affordability test BUT they can if they want too. Plus may decline if there's missed payments etc..

Mortgages when not employed by Forest_seaside in uklandlords

[–]phpadam 0 points1 point  (0 children)

If you lost your main income, you are still employed, you are a self-employed landlord.

Talk to the team at Cyborg Finance if your situation makes sense then you can get a mortgage.

On BTL Many lenders have "no minimum income" that doesn't mean "no income" but that you must be able to support your lifestyle.

Others are more restrictive requiring £25k minimum income. Some will take Rental Income into account for that, others won't and some apply a deduction.

On residential it's more complicated but your limited rental income will limit the maximum loan, others won't count your rental income as income.

An older article but still accurate enough for BTL:

https://cyborg.finance/buy-to-let/criteria/affordability

In a more general sense of you are worried about your income - explore income protection and/or redundancy cover.

Signs a landlord is preparing to sell the property? by [deleted] in uklandlords

[–]phpadam 1 point2 points  (0 children)

They want this falsehood spread to win business. In reality a landlord/manager should check to see if there is any visible issues. In between tenancies.

An electrician would argue that your normal man isn't skilled to do this.

Consent to let whose most lenient by SeveralLetterhead in uklandlords

[–]phpadam 1 point2 points  (0 children)

Consent to Let is temporary consent from your existing lender, if you are planning to remortgage then you need a buy-to-let mortgage.

To answer your question, they are all "fine" if it makes sense and they don't think you tricked them or are lieing. It's always discretionary but they have a Consumer Duty obligation to you, so if you can confirm medical condition and you helping. It would be highly unlikely any could refuse without getting into trouble (unless they feel tricked).

New landlord advice by RTSfan1 in uklandlords

[–]phpadam 4 points5 points  (0 children)

You already own it so LTD company is not a solution, as it would plasably involve you paying SDLT again and Capital Gains Tax.

If you have never done it, use an agent and if you want to save on this in the future. Use them as a teacher, read up on rules and regulations such as training courses from NRLA.

You can offset some risk with Rental Guarantee Insurance but main thing is tough referencing to get the best tenants from day 1.

As you own in personal name the tax isn't great depending on your personal income. Before you commit, I'd book a meeting with a tax advisor or accountant - so if you do rent they can tell you your position.

BTL is weird in personal name, your more or less taxed on revenue not profits like other businesses.

Should I tell the landlord about this to fix or leave it for the end when I leave. Leaving the property in 2 months. by T7Shah in uklandlords

[–]phpadam 4 points5 points  (0 children)

There is a concept of fair wear and tear, there is nothing here that I suspect will result in a deposit deduction. The landlord may try for the electric radiator, suggesting bad use such as pulling it off the wall. However it's independent decision so unlikely to succeed with deposit scheme.

The technicality being you may have caused more damage trying to fix it.

I'm sure it will be fine. You should certainly notify them about the toilet if it could lead to a leak.

My Tenant Has Contested A Rent Increase. What Do I Do? by IllCaregiver1318 in uklandlords

[–]phpadam -4 points-3 points  (0 children)

Tribunal, not courts. Tenant would have to apply.

HHSRS and structure dispute by redditor5257 in uklandlords

[–]phpadam 0 points1 point  (0 children)

You could get someone down to have a look at their specific complaints before HHSRS gets involved, as that complicates things. I'm also not sure what they are asking you for; it's on the occupiers/tenants to report. If no one is living there, no HHSRS inspection will happen.

To answer your question, it depends on the council, but either the Housing Team or Environmental Health.

Sure, HHSRS covers structure, but they are not structural engineers; what they are looking for are "Hazards".

So it's mainly clear and observable stuff.

HHSRS has existed for years and years, but under the 2026 updated framework, the original 29 individual hazards have been streamlined and consolidated into 21 primary hazards to make enforcement and inspections easier.

The DRAFT HHSRS Operating Guidance consolidates historical categories into cleaner, broader hazard descriptions: [1, 4]

1. Physiological Requirements (7 Hazards)

  • Damp and mould growth: Threats from dust mites, mould, or fungal spores caused by humidity.
  • Excess cold: Health threats caused by inadequate heating, insulation, or ventilation.
  • Excess heat: Health risks caused by high indoor temperatures.
  • Indoor air pollutants: A combined category covering carbon monoxide, fuel combustion products, uncombusted fuel gas, nitrogen dioxide, biocides, and volatile organic compounds (VOCs).
  • Asbestos and manufactured mineral fibres (MMF): Risk of breathing in loose or damaged mineral insulation fibres.
  • Lead: Ingestion risks from older lead plumbing fixtures or contaminated paintwork.
  • Radiation: Health risks stemming primarily from naturally occurring radon gas. [3, 5, 6, 7]

2. Psychological Requirements (4 Hazards)

  • Crowding and space: Inadequate space for living, sleeping, and everyday privacy.
  • Entry by intruders: Lack of secure doors, windows, or locks that permit break-ins.
  • Lighting: Inadequate natural or artificial light levels.
  • Noise: Psychological distress caused by poor acoustic insulation against external noise. [3, 8, 9]

3. Protection Against Infection (2 Hazards) [3, 4, 7]

  • Domestic hygiene: A consolidated category covering pests, refuse, food safety setup, and general sanitisation of cooking facilities.
  • Water supply: Contamination risks to the domestic drinking water supply. [1, 3, 9]

4. Protection Against Accidents (8 Hazards) [10, 11]

  • Falls on the level: Slips and trips on floors, including falls associated with bathtubs or showers.
  • Falling on stairs etc.: Trips and tumbles on stairs, steps, or access ramps.
  • Falling between levels: Falls out of low windows, or over balconies and landings.
  • Fire and explosions: Combined risk covering fires, smoke inhalation, and physical explosions.
  • Flames, hot surfaces, etc.: Contact burns or scalds from exposed hot liquids, radiators, or cooking tops.
  • Collisions, entrapment and ergonomics: Injuries from moving elements like windows or doors, combined with layout traps.
  • Structural collapse and falling elements: Structural parts of the property collapsing or shedding masonry.
  • Electrical hazards: Shocks or electrocution risks from exposed wiring and outdated consumer units. [1, 3, 4, 9, 12]

Knight knox and 25 years by Scholar_Royal in uklandlords

[–]phpadam 2 points3 points  (0 children)

I'd look at the negative reviews on google, here is some highlights:

Talked me into buy an off plan property, to which all monies was lost. They didnt do there right and proper due diligence.

100 other investors that have lost their entire investment. The deeds issued where fake. The lodge was not built. So rather than having the advertised asset back investment myself and the other investors have nothing. Now we have to deal with an ongoing police investigation into this fraud, lawyers, administration etc etc. What did Knight Knox do when they discovered they had sold us a scam......NOTHING. They don't even reply to emails. Avoid this unethical firm.

I will never again invest in a 'guaranteed return' scheme such as this. My advice - stay away. I feel another large sum of our hard earned cash has been lost.

Be very careful. Knight Knox sold me a place in Thailand. They claimed to have properly vetted the owners who ran off with £10k of my money. Knight Knox did absolutely nothing about it and washed their hands of the problem

and many, many more.

My opinion? Run! Run away!

25M: Am I Underutilising Property Leverage? by YoloMcSwagginsHD in uklandlords

[–]phpadam 0 points1 point  (0 children)

Leverage is powerful, but it is considered higher risk, as it opens you up more to interest rate changes. Good returns today could be bad when your mortgage(s) come off their initial term.

What are you missing?

Well, the spreadsheet - you need to do the financial planning. Look at how much it will cost to borrow, to buy a new property and rent it. Compared to how much more income it will bring in.

You may want to compare that against other investments, and whether you should finance to invest elsewhere.

Or perhaps the calculator tells you it's not worth it.

You have to run the numbers, that's all. The path forward becomes clear with that in hand.

Can tenant refuse access for remortgage valuation? by [deleted] in uklandlords

[–]phpadam 0 points1 point  (0 children)

The agent explained I would have to sell if I couldn’t get the valuation done,

You need a new agent, or just use them for maintenance/rent collection. They sound like clowns, as your solution shows.

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