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Andrew townshend
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@ Robert, non of us understand seb's comments, he thinks he is a very intelegent person, he shows himself to be no more than a fool, his comments are not worth reading, I simply delete them.
From:
Andrew townshend
22 September 2020 22:42 PM
In Norwich there are many properties stting empty long term, mostly owned by Norwich City Council, I've even tryed to buy some of them, they say they don't own them, but land registry says other wise,
From:
Andrew townshend
22 September 2020 19:41 PM
There likly will not be a spike in evictiond short term, but all this government is doing is kicking the can further down the road, 6 months notice + the time involved to get the evictions through the courts and then get the bailiffs in = mass homeless winter of 2022, now we have all learned a lot here, no more risk taking with new tenants, check them out well, if in any doubt don't rent to them, better an empty property than one with a feckless tenant sitting in it.
From:
Andrew townshend
22 September 2020 19:34 PM
If they are still paying you don't really have a problem, maybe serve a section 21 when the tenancy comes to an end just to cover your back, if they do come back to uk you can always cancel the section 21
From:
Andrew townshend
21 September 2020 19:17 PM
Nice people (do gooders) need to get out more, then they might just notice that there are a lot of very nasty and voilent people out there .
From:
Andrew townshend
21 September 2020 15:13 PM
I too can see things getting nasty, there is only so much that landlords can or will take.
From:
Andrew townshend
19 September 2020 12:58 PM
Some yrs ago I had a guy and 2 girls in a house, totally unbeknown to me they moved out and 3 differant girls moved in, the first I knew about it was when they paid their rent into my bank account I didn't reconise the names, I've even had agents ask me for a referance for people that have never been tenants of mine, the things some people get up to and they think it's okay.
From:
Andrew townshend
19 September 2020 11:52 AM
The ''certain groups'' you refer to could have part of their generious benefits stopped until the loan is repaid, or would that be against their human rights.
From:
Andrew townshend
19 September 2020 10:32 AM
I take your point on s24, but if rent isn't coming in there is less to be taxed on.
From:
Andrew townshend
19 September 2020 09:13 AM
We can only be taxed on profits, no or low profits = no tax income for HMRC
From:
Andrew townshend
18 September 2020 22:53 PM
If you have made every effort to have the gas safe inspection carried out but been unable to do so because of the tenants then you as a landlord have done nothing wrong.
From:
Andrew townshend
18 September 2020 22:47 PM
I agree with you George, they are intent on pushing good landlords out which will take us back to the old rogue landlord days of the heavies collecting the rent and caring out the evictions after dark, can't happen in the 21th century ? just watch this space !
From:
Andrew townshend
18 September 2020 19:06 PM
Let them view and waste their time then, landlords chose who lives in their properties, we don't have to give a reason to those that are unsuccessful.
From:
Andrew townshend
18 September 2020 08:55 AM
@ Robert & David, we all need to get our heads together on this one, it is the only way that we are going to get our point across, non payment of rent is theft, a CCJ for anyone and everyone that is overdue in their rent, courts have no choice on this one it is a debt, no ifs, no buts or maybes, every time these thieves try to obtain a new tenancy will this flag up, just think of all those homeless bums queuing up outside town halls , we can win this one, £60 a time money claim online , how much money do you spend at a night out down the pub ? more than £60 of that I am sure.
From:
Andrew townshend
17 September 2020 21:23 PM
Come on David I think we have all worked out this Mr Wilson, don't rise to his bate.
From:
Andrew townshend
17 September 2020 21:04 PM
I wouldn't trust them, we all know what these tin pot insurances companies are like when it comes to paying out on a claim
From:
Andrew townshend
17 September 2020 08:21 AM
@ Paul, I have a friend, we go back to early school days, a hands on farmer, no range rovers or crap like that, a very happy guy, at 67 I'm a bit to long in the tooth to retrain as a farmer.
From:
Andrew townshend
16 September 2020 21:01 PM
Agreed I too renovated and built my own homes from the late 70s onwards, no hand outs and living in a caravan in the back garden, I even done much the same with most of my investment properties, sad the way things have changed, and certainly not for the better.
From:
Andrew townshend
16 September 2020 20:54 PM
Not rude, just ignorant.
From:
Andrew townshend
16 September 2020 17:44 PM
Paul sec 8 is expensive and a great deal of trouble, money claim online is around £60, depending on how much is claimed , and dead easy, I spent 30 yrs in the garage business, if someone did not pay they got a CCJ on princible , non payers what ever the business must not be allowed to get away with it.
From:
Andrew townshend
15 September 2020 19:13 PM
There is a real danger that this is not going to end well.
From:
Andrew townshend
15 September 2020 09:16 AM
Come on Hugh spill the beans did he go ? we all need some good news mate.
From:
Andrew townshend
14 September 2020 20:02 PM
Money claim online cost me £60 last time I done it, tax deductible, I don't care if I don't get the money that I am owed, the fact that I have screwed that non paying tenant's credit history and that CCJ will come up every time a landlord or agent checks them out is all I need, we all need to be doing this to protect each other.
From:
Andrew townshend
14 September 2020 18:04 PM
Very few landlords would stoop that low.
From:
Andrew townshend
14 September 2020 10:21 AM
Hardship rent loans for tenants makes total sense, just so long as they are paid direct to landlords
From:
Andrew townshend
14 September 2020 09:01 AM
Hope he does.
From:
Andrew townshend
12 September 2020 17:05 PM
I stand corrected there then 30 days not 14, a straight forward letter to that effect would be acceptable ?
From:
Andrew townshend
11 September 2020 19:37 PM
Yes it's certainly getting a lot harder which is why we all need to be very much more selective of tenants, it will not be good for homelessness though will it ?
From:
Andrew townshend
11 September 2020 14:31 PM
That's how I last understood things Paul, but yes these things do change.
From:
Andrew townshend
11 September 2020 12:27 PM
@ Mark Wilson, it's not other peoples misfortunes, tenants sign a contract to pay their rent, if they cannot pay their rent they should move out, I don't fill my car up with fuel if I don't have the means to pay for it, same thing surely .
From:
Andrew townshend
11 September 2020 12:12 PM
I think a reasonable period is normally 14 days, a simple letter is all that is needed quoting the amount do and that court action will be taken if debt is not payed in full within those 14 days.
From:
Andrew townshend
11 September 2020 11:59 AM
The last time I done one it cost me £60, dead easy, done it on princible didn't expect to get any money back, couple of yrs later the guy's photo was in the local paper, he had taken a pub over, I got the Sheriffs Office out there, They got a grand out of him, after costs I got £400, not a lot but a bonus any way, we all need to be doing this now to force the issue, feckless tenants need to be held to account and not allowed to get away with it.
From:
Andrew townshend
11 September 2020 10:59 AM
Lower rents in the London area very possibly, not in the Norwich area though.
From:
Andrew townshend
11 September 2020 10:15 AM
Just as landlords are having to be very careful who we rent to now, banks are also having to be very careful who they lend to, and who can blame them ?
From:
Andrew townshend
10 September 2020 08:20 AM
If a property becomes empty it might be wise not to relet it until this eviction ban ends, better an empty property than one with a feckless tenant in it at the present time.
From:
Andrew townshend
10 September 2020 08:15 AM
Mark, you are an idiot !
From:
Andrew townshend
09 September 2020 19:42 PM
How many tenants are likely to vote Tory ? that is if they vote at all.
From:
Andrew townshend
09 September 2020 14:30 PM
@ Jo Jo who ever you maybe, We are not asking to be '' bailed out '' as you put it, we simply need tenants to pay their rent or move out.
From:
Andrew townshend
09 September 2020 14:26 PM
They are your properties your decision.
From:
Andrew townshend
08 September 2020 19:24 PM
@ T L who ever you might be, I think you question has been answered , don't you ?
From:
Andrew townshend
08 September 2020 19:11 PM
Experience of single mums over the past 30 yrs means I don't rent to them now, leave them to the local council, their problem not mine.
From:
Andrew townshend
08 September 2020 18:02 PM
We cannot take a 3 months rent deposit, however what we can do is take a 5 week deposit and 3 months rent up front so long as that is used as rent, we can also insist that rent is paid 3 monthly in advance. Further more we decide who is going to live in our properties, that decision is ours and ours alone .
From:
Andrew townshend
08 September 2020 13:37 PM
Paul you are using the wrong word, there is a calculated RISK in business, a gamble is what sad pricks do in betting shops, lottery , and scratch cards etc, there is one very big difference between the two, and the two kinds of people, common sense. But have you and others noticed today ? NO SEB, I do hope the chap is not unwell today.
From:
Andrew townshend
07 September 2020 20:14 PM
I'm at a point now where I delete all comments from Seb without reading then, think I might just do the same with Mark
From:
Andrew townshend
04 September 2020 15:26 PM
I'm beginning to think Seb and Mark are one and the same person
From:
Andrew townshend
04 September 2020 15:21 PM
I would go along with much of that, but what about the landlord that is faced with the tenant that will not pay, there needs to be change there as well.
From:
Andrew townshend
04 September 2020 07:41 AM
What makes them think all these tenants are ''vulnerable'' many will be perfectly able to pay their way but will take advantage to be housed for free, until that is they are evicted with a CCJ to their name and find it very hard to find a decent landlord to take them on.
From:
Andrew townshend
04 September 2020 07:36 AM
Our friend Seb is certainly on fire today !
From:
Andrew townshend
03 September 2020 14:44 PM
They will not accept my email either, so I won't bother
From:
Andrew townshend
03 September 2020 14:32 PM
Spot on Chris.
From:
Andrew townshend
03 September 2020 10:10 AM
@ Seb, thankfully I have not needed to go down that route since the start covid, but I see no reason for a money claim on line not to be successful, the law is saying we cannot evict it does not say we cannot go after money owed a court would have no option if the money is owed would it ?
From:
Andrew townshend
03 September 2020 09:17 AM
I would go after the pilot that owes you £2500 I think that would be worthwhile .
From:
Andrew townshend
03 September 2020 09:09 AM
Don't agree this time Paul mate, there is a lot more to this than just money, A CCJ may well not get you your money, but revenge is sweet and this scum must not be allowed to get away with it.
From:
Andrew townshend
02 September 2020 22:22 PM
Sadly Sandra you've got what you have got, we have all been there , what you must not do is let this scum wear you down, they are not worth it, you will be rid at some point and you will be very careful next time you let, most tenants are as good as gold, make sure you get a CCJ against them before they go , trust me revenge is sweet.
From:
Andrew townshend
02 September 2020 22:18 PM
It's not so much support for landlords that is need it's support for tenants that cannot pay their rent but the payments must go direct to the landlord.
From:
Andrew townshend
01 September 2020 08:32 AM
Echis, we only need take a look in their wheelie bins to see where the money is going
From:
Andrew townshend
28 August 2020 22:32 PM
Government and councils are the root cause of high rents, increase our costs and the end user pays, that is true whatever the business.
From:
Andrew townshend
28 August 2020 22:28 PM
It's not all about the money Seb, £60 money claim online, a CCJ to follow that non paying tenant around for at least 6 yrs, worth every penny, revenge is sweet ! 3
From:
Andrew townshend
28 August 2020 15:07 PM
That's going to be the way forward now, who's going to rent to those that cannot provide a suitable guarantor ? it will be a big problem for government and councils next year when the wholesale evictions kick off.
From:
Andrew townshend
28 August 2020 10:22 AM
It would seem most tenants are paying, those that won't pay may well have a free ride for now, but at some point they will be evicted complete with a CCJ to their name, at that point no decent landlord with decent properties will touch them, then they will whinge about how unfair the system is.
From:
Andrew townshend
28 August 2020 09:10 AM
You can sell Amy with the tenant still there , the new landlord may not be as nice as you.
From:
Andrew townshend
28 August 2020 08:13 AM
Why can't they all be evicted Steven ? better an empty property than one with a non paying tenant in it.
From:
Andrew townshend
28 August 2020 08:08 AM
Have to agree there John
From:
Andrew townshend
27 August 2020 10:08 AM
I agree with Robert, rubbish developer built properties will possible last 50 yrs max, I own many Victorian properties 140 years old, 2 world wars and still standing, people love them, I love them, and they will still be standing in another 140 yrs.
From:
Andrew townshend
26 August 2020 22:30 PM
Well gents that's enough for tonight I'm now going to have a nice large Irish.
From:
Andrew townshend
26 August 2020 20:23 PM
Seb, will the government ever acknowledge that there were mistakes in the past, no it will be the same old waste of everyone's time yet again
From:
Andrew townshend
26 August 2020 19:56 PM
Paul below is correct, If landlords could get rid of non paying tenants then life would be very much easier for good honest paying tenants, and then we might even start to consider tenants on benefits
From:
Andrew townshend
26 August 2020 19:52 PM
Sorry Seb but you are wrong, the law relating to mortgage re procession and that of landlord re procession is very very different .
From:
Andrew townshend
26 August 2020 19:19 PM
I don't want help from the government, the government should be paying the rent of those that cannot pay direct to the landlords, we should be able to evict the tenants that are able to pay their rent but chose not to.
From:
Andrew townshend
26 August 2020 13:39 PM
Past green deal grants have been a total waste of time, will this one be any different ? I won't be holding my breath.
From:
Andrew townshend
26 August 2020 09:04 AM
But Michael we can hold our heads up high, we paid our way and earn't every thing we have now.
From:
Andrew townshend
25 August 2020 22:19 PM
Our generation saved, done over time at work, had a day job and an evening / week end job, bought a run down property rolled our sleeves up and renovated it, lived in a caravan in the back garden while renovating, that's why '' we're alright Jack ''!
From:
Andrew townshend
25 August 2020 19:37 PM
Keeping voters happy ?? how many tenants vote tory ?
From:
Andrew townshend
25 August 2020 13:45 PM
A parasite is a person that does not pay their way and expects others to give to them.
From:
Andrew townshend
25 August 2020 10:49 AM
Yes David agreed, but it's the local councils responsibility to house these people who cannot, or will not pay, private landlords do not have charity status .
From:
Andrew townshend
25 August 2020 10:46 AM
Yes they should, and that would be the sensible approach, we don't want to be evicting tenants, but at some point that will happen to those that don't pay, we will all know who they are so finding a new landlord to take them on could be difficult. I don't think the problem is as bad as being made out, all mine are paying, so far, and I don't know of a local landlord having a problem, as yet.
From:
Andrew townshend
25 August 2020 10:41 AM
80% LTV isn't that asking for trouble ?
From:
Andrew townshend
25 August 2020 10:06 AM
Me too, years ago I had a small car repair workshop, I was on first name terms at the local county court, I didn't mess around if some one didn't pay me they got a CCJ , word soon got about not to mess with me.
From:
Andrew townshend
24 August 2020 15:28 PM
David, yes they can have 12 months free rent, but at the end of that time they should have earn't themselves a CCJ for non payment, how many landlords are going to be taking on a tenant with a CCJ now
From:
Andrew townshend
24 August 2020 15:14 PM
@Simon D , Seb is a wind up merchant just ignore him the rest of us do.
From:
Andrew townshend
24 August 2020 14:58 PM
Tenants need landlords, that's simple, few tenants will ever be FTB , they'll never save enough for a deposit or be accepted for a mortgage , so big increase in homelessness .
From:
Andrew townshend
24 August 2020 12:19 PM
Other than one commercial tenant who cannot trade at present all are paying me and none have asked for a reduction or a rent holiday.
From:
Andrew townshend
24 August 2020 12:12 PM
Shelter long term are hurting the very people they are supposed to be helping, how many of us are going to take a risk on a new tenant ? Only tenants with a good past record and secure work will be considered, so what happens to the rest ?
From:
Andrew townshend
24 August 2020 10:14 AM
Many of my properties were purchased in the 90s for peanuts, I cannot sell them even if I wanted to because I'm sure as hell not giving the government all that CGT for them to hand out to low life spongers .
From:
Andrew townshend
23 August 2020 09:31 AM
Yes Paul there are many landlords out there with 40+ properties all mortgaged up to the hilt, who could all have 10 properties all bought and paid for and be much better off. I have 16 properties that have purchased for cash slowly over the yrs, just think how many properties I could have if I had mortgaged them all up to the hilt, If I get a bad tenant it's not going to bankrupt me, I'm fine as I am, no worries, and I sleep at nights.
From:
Andrew townshend
21 August 2020 20:54 PM
Yes spot on Paul
From:
Andrew townshend
21 August 2020 20:02 PM
Yes Paul this is the end of the mortgaged landlords, cash is king again
From:
Andrew townshend
21 August 2020 19:51 PM
Agreed Seb, keep away from London, I will add though when a lender reprocesses a property they are able to get the tenants out immediately, no waiting about there, I don't think many people know that
From:
Andrew townshend
21 August 2020 19:34 PM
Totally agree Seb mate, keep well away from London.
From:
Andrew townshend
21 August 2020 19:27 PM
Lot of money to be made in times like this, cash is king again, the flash with no cash will fall by the road side making the rest of us wealthy, just like the 90s, if you can remember that far back
From:
Andrew townshend
21 August 2020 19:25 PM
My insurance has insisted on it for a long time now.
From:
Andrew townshend
21 August 2020 19:21 PM
That does seem likely
From:
Andrew townshend
21 August 2020 11:20 AM
Yes agreed Andrew and business is all about risk, but what makes you think we all sit here with flash cars in the drive and a holiday villa in Spain ?
From:
Andrew townshend
21 August 2020 09:33 AM
Easy, pay their rent for them, just make sure it goes direct to the landlord.
From:
Andrew townshend
21 August 2020 08:58 AM
Those tenants that take advantage of the system will be the losers in the long run.
From:
Andrew townshend
19 August 2020 10:30 AM
There maybe opportunities later in the year or next year, but they will be for cash buyers only, would be foolish to borrow now.
From:
Andrew townshend
19 August 2020 10:25 AM
There is a simple answer, where someone is GENUINELY unable to pay the rent through no fault of their own then the government need to step in with a DIRECT payment to the landlord, we are not charities the same as Tesco's are not a charity .
From:
Andrew townshend
19 August 2020 09:24 AM
Not our responsibility, just a Micky Mouse scam insurance company out to make a few quid .
From:
Andrew townshend
19 August 2020 09:16 AM
They are not a good a good bank John my mother banked with them as many older people used to from the old Abbey National days we had so much un necessary trouble with them. Some people moan about good old Barclays but I can only speak as I find they have always stood by me through good and bad times.
From:
Andrew townshend
19 August 2020 08:58 AM
Most of these degree courses could with a bit of hard work be completed in half the time, all one big scam to make the universities and their over paid staff a lot of money, and the students the excuse not to have to find a job for 3 yrs.
From:
Andrew townshend
18 August 2020 16:53 PM
I would not touch anything leasehold, but convert to commonhold with a share of the freehold and a right for all to manage would be a totally different ball game, will it happen though?
From:
Andrew townshend
18 August 2020 16:46 PM
I see from the table that I can expect a 4.4 % yield from UEA students in Norwich, I do much better than that from good working tenants in Norwich, so why would I want all the hassle of renting to students, more trouble than they are worth, and their snob parents are worst still.
From:
Andrew townshend
18 August 2020 09:41 AM
I think we are safe there David not much chance of you or Labour getting into government anytime soon mate
From:
Andrew townshend
17 August 2020 19:16 PM
@ David Edmunds, so we all live off housing benefit do we ? I think you will find most on here will not touch anyone on benefits, I certainly will not.
From:
Andrew townshend
17 August 2020 15:45 PM
Oh chip on shoulder David ? there are a lot of dirty businesses out there , what line are you in ?
From:
Andrew townshend
17 August 2020 15:39 PM
Soon to be Lord McDonnell I believe, what a twat.
From:
Andrew townshend
17 August 2020 08:38 AM
75% LTV, total mugs game, if you have to borrow that strongly then BTL isn't for you.
From:
Andrew townshend
14 August 2020 10:53 AM
BTL isn't dead, far from it, mortgages getting harder to get, the end of the high loan to value lending, and poor job security means less owner occupier and therefore more renting. BTL works well for landlords that aren't in it to get rich quick, and for cash buyers.
From:
Andrew townshend
14 August 2020 10:49 AM
Sadly Seb I fully expect you could be right, however my residential tenants are all paying at present, I do have a commercial tenant who cannot trade at present , but it's very easy to get rid of a commercial tenant, all though I am hoping that I don't have to
From:
Andrew townshend
13 August 2020 20:14 PM
We will have to agree to disagree there mate, I wouldn't touch anything leasehold.
From:
Andrew townshend
13 August 2020 17:49 PM
I can see where you are coming from Geoff but the problem we have now is that often the deposit we are allowed to hold is no where near enough when a property has not been looked after well.
From:
Andrew townshend
13 August 2020 17:24 PM
There is a big ''IF'' here , the government would need to build one hell of a lot of houses, which is just not going to happen anytime soon, if at all, then there is the question of quality, new social housing generally starts off well, but it doesn't take long for the tenants to not just wreck the houses but the areas as well, just look around any council estate more than 10 yrs old, there are some people that you just cannot help and you are wasting your time even trying.
From:
Andrew townshend
13 August 2020 12:25 PM
The harder it is made for us to evict none paying tenants the harder it will be for people on benefits, the under 25s and single mums to find a landlord to rent to them, it's called minimizing risk.
From:
Andrew townshend
12 August 2020 18:02 PM
I don't want to live in London, I don't want to go there, and I certainly would not want to own anything there .
From:
Andrew townshend
10 August 2020 16:24 PM
Buyer beware, you wouldn't trust a car salesman so why would trust an estate agent ?
From:
Andrew townshend
10 August 2020 13:07 PM
m d (17.21) I would agree with you, any landlord working on a 3% yield is a fool as are those that are mortgaged up to the eye brows, most of us on here have been in the game a long time and own our properties debt free , a lot are also hands on, I do my own repairs, re decorating and clean ups between tenants, being a proper landlord is a job of work, too many out there think we sit at our computers watching the money flow into our bank accounts, come out for a day with me and see what I do
From:
Andrew townshend
08 August 2020 17:38 PM
@ md, yes risk, that is why most of us will not risk housing tenants on benefits, single mums and the under 25s, as in any business we are mindful of risk and are getting more and more careful of who we rent to, better an empty property than one with a freckless tenant in it.
From:
Andrew townshend
08 August 2020 16:48 PM
'' Are people really that thick! '' Yes Paul they really are and most of them have uni degrees !
From:
Andrew townshend
07 August 2020 15:46 PM
Yes, my accountant advised against it
From:
Andrew townshend
07 August 2020 14:37 PM
Been there before, many times, total waste of time and effort even to apply, as soon as you mention the word grant the contractor's quote doubles .
From:
Andrew townshend
07 August 2020 10:05 AM
Who wants to live in London ? not me that's for sure.
From:
Andrew townshend
07 August 2020 10:00 AM
Going back to the 90s I had a few commercial properties with flats over them, they were a winner then, down to 2 now all the others I have converted to residential, I expect the remaining 2 will be going that way in the not too distant future .
From:
Andrew townshend
07 August 2020 09:58 AM
Yes Paul, now I 'm on my second large Irish, so that is all for tonight mate.
From:
Andrew townshend
06 August 2020 21:26 PM
Now wouldn't that be a good idea !
From:
Andrew townshend
06 August 2020 20:59 PM
Nice idea Paul, and would work well, will never happen though .
From:
Andrew townshend
06 August 2020 20:56 PM
David I fully intend to continue as a landlord and I will decide who I rent my property to .
From:
Andrew townshend
06 August 2020 15:52 PM
David past experience, 30 yrs, have taught me that I am unlikely to get my rent paid by people on benefits, would you trust a bunch of travelers to tarmac your drive at home ? all boils down to the same thing, who we can trust and who we cannot.
From:
Andrew townshend
06 August 2020 09:18 AM
Well then Shelter may like to stand guarantor for those tenants ???
From:
Andrew townshend
06 August 2020 08:58 AM
So we cannot say NO DSS, but when they waste every one's time we can still say sorry not suitable without giving a reason.
From:
Andrew townshend
06 August 2020 08:25 AM
Well Yes Paul the lenders have been freckless but that is how lenders work until things start going wrong, I have had banks and lenders wanting to throw money at me, but I'm not that daft, and your last sentence, who will be housing all those tenants ? local councils are going to have a big problem aren't they ? not my problem though
From:
Andrew townshend
05 August 2020 20:23 PM
Up to a point I do agree with you Lee, It is foolish to borrow too much, however tenants are expected to pay their rent, they signed the contract, private sector landlords are not charities .
From:
Andrew townshend
05 August 2020 18:14 PM
Yes go after the rogue landlords by all means, please do, that will do us all a favor .
From:
Andrew townshend
05 August 2020 09:00 AM
If it's anything like previous grants it will be a complete waste of time even bothering to apply.
From:
Andrew townshend
05 August 2020 08:57 AM
I live in Norfolk, all my properties are within 30 miles of home, why would I want a property 100s of miles away what ever the yield.
From:
Andrew townshend
03 August 2020 17:35 PM
You are right Paul there are jobs, just not the right sort of jobs for the ''entitled generation'' .
From:
Andrew townshend
02 August 2020 08:58 AM
I got married in 81, bought an old cottage with no bathroom, toilet or kitchen, we lived in a caravan in the back garden through wind rain and snow, my money went on the renovation works while my wife's money kept us, 18 months down the road we had a nice home and no mortgage or borrowings, how many of the young would take that on today ? That's why their money goes on rent, the pub, eating out and holidays in the sun, their choice .
From:
Andrew townshend
01 August 2020 12:18 PM
I could survive on HB, but I'm sure as hell not going to, on princible if nothing else.
From:
Andrew townshend
31 July 2020 19:10 PM
If we see the drugs we have to report them, if we do not we also can be prosecuted
From:
Andrew townshend
31 July 2020 15:09 PM
Perhaps demand varies around the country, but there seems to be a strong demand in and around Norwich
From:
Andrew townshend
31 July 2020 09:20 AM
But Paul, you are forgetting something, generally HB falls quite a bit short of the rent, then when it is paid to the tenant will they pass it on to the LL, or if it is paid direct to the LL there is the risk of CLAW BACK sometimes yrs latter.
From:
Andrew townshend
30 July 2020 18:00 PM
The game could be up for highly leveraged landlords, but those of us that own our properties are better placed to weather the storm, I've said for a long time we need to be very careful who we rent to, no benefits, no one under 25, no single mums and no all day curry eaters, better an empty property than a property with a rouge tenant in, and there are plenty of good tenants out there.
From:
Andrew townshend
30 July 2020 15:02 PM
My tax return always is filed early normally before the end of May, no point putting these things off, done, sorted and out of the way until next yr
From:
Andrew townshend
29 July 2020 09:17 AM
We all run our own businesses differently, with different methods, presently I have 15 good tenants, and one I would like to see the back of , but in fairness to her she is paying her rent, I will bend over backwards for good tenants, but take the P out of my good nature and watch out, red rag to a bull, I /we are not charities , and I too have no time for wimping lefties on here
From:
Andrew townshend
28 July 2020 20:43 PM
Bit risky to assume property prices will increase with jobs going and businesses failing, banks don't like risk.
From:
Andrew townshend
28 July 2020 09:35 AM
Not good times for highly leveraged LL who can no longer claim their tax relief, but optimistic times for the rest of us
From:
Andrew townshend
28 July 2020 08:54 AM
With high loan to value mortgages a thing of the past GR will be renting for a long time to come, supply and demand means rents will increase in most areas , am I worried about the looming recession ? I've always done well in past recessions, cash will be king again.
From:
Andrew townshend
28 July 2020 08:50 AM
Paul, interesting that you mentioned the 2nd world war, my Farther purchased government war stock, when he died in 1979 we sold it for less then he paid for it, when he purchased it he thought he was doing the right and proper thing, what a rip off.
From:
Andrew townshend
27 July 2020 22:39 PM
Going back to the 90s I did illegally evict a couple of tenants, one I got away with the other got a solicitor on board, a local chap who was also a landlord, he suggested to his client that he might like compensation of £1000, that £1000 was worth every penny to get rid of that tenant, of course that £1000 was soon blown away on drink drugs and fags in less than a month and word was put out so that no other local landlord would touch him, will those times happen again?? well they might just.
From:
Andrew townshend
27 July 2020 17:31 PM
Gave me a good laugh as well, I can just imagine the response if Norwich council (labour controlled ) came up with this one.
From:
Andrew townshend
24 July 2020 09:44 AM
I have properties that I purchases in the 90s that are now worth 10x what I paid for them, why would I sell any of them, just keep taking the income, inheritance tax ? not my problem, I'll be dead, and my children will be getting something for nothing even after they have paid that tax.
From:
Andrew townshend
24 July 2020 09:22 AM
This as been a trick played for a long time, build yourself a house, claim back the 20% VAT, move the family in, put the house on the market, sell and then do the same thing all over again, tax free, estate agents and conveyancing solicitors won't like it though because the number of houses being bought and sold will dry up.
From:
Andrew townshend
24 July 2020 08:26 AM
There is an easy for the government to protect tenants from eviction, pay their rent for them.
From:
Andrew townshend
23 July 2020 09:02 AM
@ A Bhalla, commercial properties are very different to residential properties when it comes to the kind of actions that you can and cannot take, had I have changed the locks on a residential property I would have been guilty of a criminal offence and been arrested, where rent is over due for more than 21 days on a commercial property I can enter in daylight hours, change the locks and leave a notice in the window, over the yrs I have done this many times, it never fails to get results.
From:
Andrew townshend
22 July 2020 15:10 PM
I walk past mine regularly, walked past a shop a few yrs ago and saw it was closed with lots of condensation up the windows, an old Transit van parked up the road with a couple of dids sitting in it watching me, police were not interested in catching them, they just took all the plants away and I placed all the equipment outside, locks changed and that was that.
From:
Andrew townshend
22 July 2020 10:10 AM
Increasing debt now, is that a good idea ?
From:
Andrew townshend
21 July 2020 08:39 AM
I'm not getting too excited these grants are generally a total waste of everyone's time.
From:
Andrew townshend
21 July 2020 08:37 AM
Other than 1 commercial tenant who cannot trade at present all are paying me, so I guess so far I have been lucky, I own all my properties with no borrowings so I'm in a strong position should some stop paying.
From:
Andrew townshend
20 July 2020 10:13 AM
Back in the 90s I converted a house into 2 flats without PP, many local LL had done the same thing and got away with it, I was the one that did not get away with it, so the sensible thing to do was to immediately change it back to 1 house , I still have the house and it still rents well, no harm trying it on but if found out there is no point in fighting it as you are never going to win
From:
Andrew townshend
20 July 2020 10:05 AM
I do agree Paul but anthony, you got something wrong their mate, I've had a couple of large whiskys tonight, how many have you had ?
From:
Andrew townshend
17 July 2020 21:16 PM
I'm not leveraged, I'm an old fashion Norfolk boy that was brought up to save first and buy for cash , I have been told many times that I'm doing it wrong, and I can see that in the past leveraged would have been the way to go, had I gone that way I would likely have had 50 properties today, but that would have been a lot for one 66 yr old hands on landlord to look after, maybe for those on here that are leveraged the way to go might be to sell just enough to pay off their borrowings then roll up their sleeves do their own cleaning, decorating and where possible repairs, PRS can and does work but it means work and not just sitting in an armchair watching the money roll into a bank account, I also get, and keep good tenants because I gain their respect for being the hands on landlord, of course my way would not suit everyone.
From:
Andrew townshend
17 July 2020 20:28 PM
I think this work from home is good and the way forward, I won't have a problem with any of my tenants working from home, then we can buy the redundant office space and convert them into flats.
From:
Andrew townshend
17 July 2020 14:43 PM
Where the gain is more than £11k, or £22k where jointly owned, surely it would be madness to sell, just keep taking the income.
From:
Andrew townshend
17 July 2020 13:56 PM
Surely where someone is '' vulnerable '' isn't it the councils responsibility to house them
From:
Andrew townshend
17 July 2020 13:53 PM
Not a good time to buy right now, wait until the end of the year or even next year, then buy for cash or with very small borrowings
From:
Andrew townshend
17 July 2020 13:34 PM
Possibly, not all HB tenants are bad ones, but so many are and the way things are the risk is just too high
From:
Andrew townshend
16 July 2020 19:52 PM
Jimmy, if I may call you that, Paul's properties are near London hence the cost, I'm in Norwich where a 2 bedroom Victorian terraced house would cost you around £600 - £700 a month it's all about area and market rents the same as second hand cars have a market price, the difference between a Ford and a Bentley , and no I don't drive a Bentley.
From:
Andrew townshend
16 July 2020 19:28 PM
Unfortunately myself and most other landlords have had so many problems with tenants on benefits it has become a blanket ban, give me a sure fire way of getting rid of nonpaying problem tenants quickly then myself and many other landlords might just risk a tenant on benefits, business, what ever the business is all about minimizing risk, it's a hard world out there and that's the way it is, once bittern twice shy
From:
Andrew townshend
16 July 2020 19:17 PM
For what it is worth I am one of very few landlords who will consider pets, presently I have 3 properties with pets, if the government want landlords to consider tenants on benefits they need to guarantee their rent payments or a fast track method of evicting non payers 2 months max, but lets face it that will never happen so most of us will still not be taking tenants on benefits
From:
Andrew townshend
16 July 2020 17:42 PM
Ask a solicitor to act for you in a legal case and he will consider taking the case on, he like everyone else is fully within his rights to say no, a builder, a car mechanic, etc can all say no as can a landlord, seems to me Mr Watkins you have a problem.
From:
Andrew townshend
16 July 2020 17:00 PM
Sorry Sue you are wrong there we don't have to rent a property to anyone that we don't consider suitable, we just cannot say no DSS , we still will not rent to them though as we know that the chances of getting the rent paid is low
From:
Andrew townshend
16 July 2020 10:26 AM
Why would I want to sell anything, just keep taking the income
From:
Andrew townshend
16 July 2020 09:42 AM
Who I rent to is my decision and mine alone , so the no DSS stands
From:
Andrew townshend
15 July 2020 09:33 AM
Yes nail on head there NP we have all been caught, but we don't get caught twice do we ?
From:
Andrew townshend
14 July 2020 21:33 PM
I'm with you on that one Paul, don't even bother reading comments from the likes of Mr Holland just an academic idiot with a useless piece of paper to his name from a useless university , Mr Holland will be the looser at the end of the day.
From:
Andrew townshend
14 July 2020 20:39 PM
I have to agree Paul, we are awash with these academic idiots that got a piece of paper from some 2 bob university which in the real world means F*** ALL , speak 5 languages am I impressed am I hell, as thick as 2 short planks and no use to anyone .
From:
Andrew townshend
14 July 2020 20:11 PM
We are not charities, homeless people make themselves homeless, it's self inflicted.
From:
Andrew townshend
14 July 2020 08:59 AM
Of course it's common sense, the chances of getting the rent paid from tenants on benefits is low, and from past experience lower still where single mums are concerned , it's the councils responsibility to home these people
From:
Andrew townshend
14 July 2020 08:53 AM
Most landlords and tenants get along just fine, I think Mr Edmunds you sound like a tenant that most of us on here would not want at any money, I've made a note of your name don't bother applying to rent from me I would rather have the property sit empty than have the likes of you in it.
From:
Andrew townshend
13 July 2020 17:44 PM
Well David as I said to your other comment-- PRATT
From:
Andrew townshend
13 July 2020 17:35 PM
@ DAVID EDMUNDS---PRATT !!
From:
Andrew townshend
13 July 2020 17:28 PM
David, Robert's comment sums it up perfectly
From:
Andrew townshend
13 July 2020 17:27 PM
Generally the standard of rental property is good, rouge landlords with poor properties cater for rouge tenants who get what they deserve .
From:
Andrew townshend
13 July 2020 09:24 AM
Tenants terrified, why ? good tenants that have been paying their rent and behaving themselves have nothing to worry about.
From:
Andrew townshend
13 July 2020 09:19 AM
I agree flats are not required, I only own 2 and those are above commercial properties where I own the freehold below, 2 / 3 bed houses are the winners. Stamp duty, in all the properties I have purchased over the past 40 yrs I have only ever paid SD once and that was the last one a terraced house in Lowestoft (most easterly town in GB) £74k with a sitting tenant.
From:
Andrew townshend
10 July 2020 19:51 PM
I take what you are saying Paul but the price I paid for it all those yrs ago and the money I have earn from it, and continue to earn from it I really don't care if the time comes when I can no longer rent it I will just put it into an auction and take what ever I can get.
From:
Andrew townshend
10 July 2020 15:21 PM
I'm still renting a property with an F rating, as it it would cost at least £14k to get it up to an E I got an exception last yr, tenants are happy in there 3 beds and paying less than £500 per month, I paid £13.5 k and spent less than £7k renovating it 25 yrs ago, so every one happy.
From:
Andrew townshend
09 July 2020 19:14 PM
That is an interesting one, personally the way I see it they are existing tenants and can wait until 1 April 21 but others have told me otherwise .
From:
Andrew townshend
09 July 2020 17:50 PM
The last time I looked into a grant towards a new boiler the contribution that I was asked to make was more than it cost me to buy a boiler and pay my plumber to fit it, needless to say I didn't bother with the grant.
From:
Andrew townshend
09 July 2020 17:40 PM
The red tape involved and bull s**t will be a nightmare, it will end up just being a total waste of time to even apply.
From:
Andrew townshend
09 July 2020 09:29 AM
As with any business the more we are taxed, the more costs and the more red tape we are hit with the more we pass on to the end user, in our case that's the tenant.
From:
Andrew townshend
08 July 2020 21:21 PM
Fine Ken, our views differ, I still say it's a mug that rents.
From:
Andrew townshend
08 July 2020 20:08 PM
@ Fred, the best way to buy a BTL is to pay cash for it and own it yourself
From:
Andrew townshend
08 July 2020 20:06 PM
Agreed, that's exactly what will happen, but I have a good electrician who I have been using for more than 10 yrs now that I trust, same with the guy that MOTs my cars been using him for more than 20 yrs, better the devil you know than the devil you don't.
From:
Andrew townshend
07 July 2020 09:24 AM
Competent would be some one able to do the job, where as qualified would be someone who has trained to do the job, ie I expect you could change the oil in your car, where as a mechanic has been trained to do that job. A student could come out of uni with a law degree, doesn't mean he is able to do that job he just has a piece of paper saying he has done the course
From:
Andrew townshend
07 July 2020 07:50 AM
Prime example Robert, I am one of very few landlords in my area that will consider tenants with pets, they paid an extra deposit which was fully refunded if the property was returned in a decent condition, now I charge a higher rent , who loses out? yes the tenant , makes you wounder about these so called intelligent people in our government with their private educations and uni degrees, THICK AS S**T the lot of them.
From:
Andrew townshend
06 July 2020 20:19 PM
And we all know about the scam that most charities are today, most of the money received goes to the over paid fat cats at the top.
From:
Andrew townshend
06 July 2020 17:23 PM
The only tenants in danger here are the ones that shouldn't be there, evict them then please tell us who they are so we don't get them.
From:
Andrew townshend
06 July 2020 09:07 AM
Pass the cost onto the landlord and the landlord will pass the cost straight back on to the tenant, not rocket science is it ?
From:
Andrew townshend
06 July 2020 09:04 AM
Tenant taking the p*** get rid of them ASAP
From:
Andrew townshend
03 July 2020 20:07 PM
I agree with Paul I would enter as an emergency inspection, further more if they have not returned the keys and their food is still in the fridge they are still due to pay the rent, money claim online for the rent due will earn them a CCJ which will screw up their mortgage application nicely, never let a rouge tenant walk all over you on princible if nothing else.
From:
Andrew townshend
01 July 2020 14:25 PM
The days of the high loan to value mortgage are over, in order to get a mortgage now FTB will need a much bigger deposit, a good secure well paid job and a squeaky clean credit history, no shortage of good quality tenants out there for our properties.
From:
Andrew townshend
30 June 2020 17:30 PM
Increasing debt to build a war chest ? sounds plain daft to me.
From:
Andrew townshend
30 June 2020 17:23 PM
I can afford to pay it in July so I will.
From:
Andrew townshend
29 June 2020 08:47 AM
Agreed, same as all business have to do.
From:
Andrew townshend
29 June 2020 08:44 AM
No credit history is as bad as a bad credit history, I told all my children to get a credit card as soon as they were 18 and to pay it off in full every month, they have all earn't themselves good credit histories.
From:
Andrew townshend
27 June 2020 10:17 AM
I was one of very few landlords in my area that would consider pets with an increased deposit, now I ask for an increased rent, which goes down like a lead balloon
From:
Andrew townshend
26 June 2020 16:36 PM
In the insurance game the higher the risk the higher the cost, not that much different in our game is it.
From:
Andrew townshend
26 June 2020 16:31 PM
When it comes to the danger of fires it's the council and H A properties that are the worst offenders, now that would be funny, ONLY IT IS NOT FUNNY AT ALL !
From:
Andrew townshend
26 June 2020 16:27 PM
As I've said before I don't rent to students, not since the 90s, however if I did, no suitable guarantors no tenancy, simple.
From:
Andrew townshend
26 June 2020 16:22 PM
He was given the chance to carry out the works, so why didn't he do them, it's landlords like this that do the rest of us no favors .
From:
Andrew townshend
26 June 2020 09:48 AM
Just like school teachers then, if it's safe for the bus driver then it's safe for the rest of us, sensible precautions and get back to work.
From:
Andrew townshend
26 June 2020 09:45 AM
Maybe I have just been lucky, other than one long term commercial tenant unable to trade at present every one else is paying, maybe this rent arrears problem is more likely in London.
From:
Andrew townshend
26 June 2020 09:38 AM
Highly geared portfolios looked impressive when times were good a few years ago, now they will bankrupt those that borrowed too much.
From:
Andrew townshend
24 June 2020 08:10 AM
Sensible percentage being the all important term here.
From:
Andrew townshend
23 June 2020 09:54 AM
If their belongings are still there they have not vacated, rent still due, money claim on line.
From:
Andrew townshend
22 June 2020 19:56 PM
The last sentence '' the government has asked for landlords to be understanding towards tenants during these times'', hows about the government being understand towards landlords during these times ?? or are we on that old one way street again.
From:
Andrew townshend
22 June 2020 19:45 PM
Another good reason not to buy leasehold flats
From:
Andrew townshend
22 June 2020 18:29 PM
The universities broke their contract with the students so it follows that the students have a claim against them for all loses uncured, which must include rent, I have not rented to students since the 90s, they and their middle class snub parents aren't worth the bother
From:
Andrew townshend
22 June 2020 18:22 PM
While you cannot evict her at present nothing stopping you doing a money claim online for the money she does owe you, £60 last time I done one and dead easy to do, if she doesn't pay up it will earn her a CCJ , might just wake her up to reality .
From:
Andrew townshend
22 June 2020 09:00 AM
Agreed, but building control is the local council.
From:
Andrew townshend
21 June 2020 19:13 PM
I've looked at buying leasehold flats in the past, but on reading the lease terms have always decided not to buy.
From:
Andrew townshend
20 June 2020 09:08 AM
And in this case the freeholder was the COUNCIL ! but no action taken there, stinks doesn't it.
From:
Andrew townshend
20 June 2020 09:04 AM
I've always refereed to s 21 as the accelerated eviction, when we have a rouge tenant we want them out asap and s 21 is the quickest way
From:
Andrew townshend
19 June 2020 15:01 PM
Because Lee our costs are increasing all the time, as with any business it's the end user that pays, and in this case that's the poor tenant, don't blame me, blame the government.
From:
Andrew townshend
19 June 2020 14:55 PM
Agreed, building control officers were negligent but will anything be done about that ? of course not .
From:
Andrew townshend
19 June 2020 14:51 PM
Here in Norwich we are doing well, but I can see London being hit
From:
Andrew townshend
18 June 2020 08:39 AM
Buying leasehold is a mugs game.
From:
Andrew townshend
17 June 2020 19:50 PM
Not totally powerless Nial, you cannot evict, but you can money claim online, £60 last time I done it, if they don't pay they get a CCJ , might just wake them up to reality, if not though you will have the satisfaction in knowing that next time they look to rent a property most landlords will not touch them.
From:
Andrew townshend
16 June 2020 16:19 PM
I would rather an empty property than a property with a rouge tenant in, so will be very selective now when looking for new tenants, no benefit claimants, no single mums, no one under 25 and a good guarantor where possible, leave rouge tenants to councils to home, their problem, not mine.
From:
Andrew townshend
16 June 2020 16:12 PM
Why do we evict tenants? the main reason is unpaid rent.
From:
Andrew townshend
16 June 2020 09:11 AM
I don't agree John, BTL still works when it is done properly, the '' flash with no cash '' element who have high borrowings may well lose their shirts, the more government and councils put in our way the more rents increase, it's the end user that pays, isn't that true of any business.
From:
Andrew townshend
15 June 2020 15:32 PM
The ''I'm entitled generation '' , Don't knock them though, it's mugs like them that keep us wealthy.
From:
Andrew townshend
15 June 2020 14:20 PM
Agreed, better just to pay it as normal and not draw attention to your self where HMRC are concerned
From:
Andrew townshend
13 June 2020 10:15 AM
Where will you get a worthwhile return over just 6 months ?
From:
Andrew townshend
12 June 2020 18:18 PM
Maybe in London it will be different, Here in Norwich I don't think it will be much different for me, all my residential tenants have been paying, one commercial tenant has not been able to, but I'm cool with that, I have no borrowings so I'm in a strong position, in fact with the landlords that do go, and the fact that first time buyers are going to find getting a mortgage near on impossible I think there will be more quality tenants for us to chose from, but we shall see, I may be proved wrong, we don't know do we? wait and see
From:
Andrew townshend
12 June 2020 18:15 PM
I shall be paying my tax in July as normal.
From:
Andrew townshend
12 June 2020 08:58 AM
No different to what it was before CV19
From:
Andrew townshend
12 June 2020 08:56 AM
And I've also been buying , selling and renting since the 80s as well Darren.
From:
Andrew townshend
11 June 2020 14:46 PM
I have a Baxi and a Worster that are both 25 yrs old and still going strong, then there is the 7 yr old Vaillant that I had to replace last yr, new boilers just like new cars are rubbish
From:
Andrew townshend
11 June 2020 14:33 PM
I've had plenty of experience of solicitors making mountains out of mole hills, probably bought and sold more property than you have had hot dinners old chap. @ Darren, that's before they start adding the extras
From:
Andrew townshend
11 June 2020 14:26 PM
I'm glad you got the full asking price, Oxford, a good area, hope it all goes through okay, some solicitors drag these things out to increase their bills, I do however think by the end of the year there will be many desperate sellers, Nov / Dec have always seemed a good time to buy for me.
From:
Andrew townshend
11 June 2020 09:53 AM
Boiler Plan ? tried something similar a couple of yrs ago when the plumber I had been using for the past 20 yrs retired, complete and utter waste of time, effort, and money, found another reliable local plumber.
From:
Andrew townshend
11 June 2020 09:28 AM
I think it will be a good time to buy latter in the year,'' bid them in the balls '' they can only say no, stand your ground the desperate will sell at what ever money they can get.
From:
Andrew townshend
11 June 2020 09:23 AM
Well I have just read in the Telegraph that London rents are 8% down, rent and demand seems to be holding up in Norwich though, I had 1 property empty before the lock down and one that became empty during the lock down, both now relet, one at the same rent and the other at an increased rent, demand is there, marriage / partner break up, and the end of high loan to value mortgages means generation rent will continue to rent.
From:
Andrew townshend
11 June 2020 09:19 AM
I agree Anthony, but only where the problems are genuine , I think you will find in many cases the problems will not be genuine, just a tenant trying to get out of paying their rent, which for a few months they will get away with, until the truth comes out, which it will, then an eviction, a CCJ, and no deceit landlord will touch them for the next 6 yrs at least , tenants trying it on need to think first because they could well be sleeping in shop door ways next winter.
From:
Andrew townshend
10 June 2020 20:38 PM
Many of us are perfectly compartment to carry out these checks ourselves, 30 yrs ago I fitted a full LPG heating system in my house, including the boiler and gas pipe work, never leaked, caught fire or gassed anyone.
From:
Andrew townshend
10 June 2020 12:34 PM
Depends where, Norwich is doing well at present.
From:
Andrew townshend
10 June 2020 08:24 AM
Don't take it to hart Micheal, Mr Sutton is just a first class prat out to wind us up, ignore him and ignore that prat Seb as well.
From:
Andrew townshend
09 June 2020 21:23 PM
David, I agree business is business, and having been self employed since 1977 I have learn't a lot along the way, and what I have learn't has been to harden up, but there still good people out there that you can put trust in and there are those that deserve everything that is coming to them, treat me right and I will be your friend, cross me, take advantage of my good nature and I will hound you all the way to hell on earth, yes I do bear a grudge.
From:
Andrew townshend
09 June 2020 20:47 PM
I've just gained 2 new tenants due to partnership break ups, expect there will be lots of them
From:
Andrew townshend
09 June 2020 16:33 PM
A good tenant is worth keeping even if they are paying a little under market rent.
From:
Andrew townshend
09 June 2020 16:30 PM
Seb, the eviction process is not the same, lenders can get occupiers out much quicker and easier .
From:
Andrew townshend
08 June 2020 16:45 PM
@ Seb, it is not the same, when a property is reprocessed by a lender they can have the occupiers out in days
From:
Andrew townshend
08 June 2020 16:34 PM
The ones that pay their rent will be secure, the ones that do not will feel secure for a couple more months, but after that ??
From:
Andrew townshend
08 June 2020 09:33 AM
Paul always has a lot to say on here and 99% of the time he's spot on right, a man who tells it as it is please or offend, maybe when he sells his properties and retires he'll sit down and write a best seller, then we can all say we knew that man Mr Barrett.
From:
Andrew townshend
05 June 2020 14:35 PM
And now another newly single, a guy this time, due to move in in 2 wks, will then be fully let again, all these marriage / partner break ups due in the main to lock down, good news for us landlords.
From:
Andrew townshend
03 June 2020 19:47 PM
Well I have just been paid 2/3 of the rent due with a promise of the balance due by Tuesday, so good on her so far
From:
Andrew townshend
03 June 2020 19:35 PM
Well I have just one that has not paid this month, she has until the 25th to pay then the eviction process will begin .
From:
Andrew townshend
03 June 2020 09:05 AM
Early days to say bounces back, no doubt there will be many marriage break up brought about by this lock down, I have a newly single lady moving into a property tomorrow.
From:
Andrew townshend
03 June 2020 09:01 AM
An annex is normally charged council tax at a 50% discount, but is often restricted to family members .
From:
Andrew townshend
02 June 2020 16:33 PM
BTL is still a good investment vehicle if done properly , buy for cash, or very low LTV (less than 50% LTV) buy locally where you can keep an eye on what's going on, be prepared to get your hands dirty cleaning, painting and repairs, take a long term view, and be very careful who you rent to, no students, no one under 25, no single mums, no one on benefits, and no all day curry eaters, oh yes and avoid London at all costs.
From:
Andrew townshend
02 June 2020 16:29 PM
No where does the law say the tenant does not have to pay, it just says that at present we have to delay evictions
From:
Andrew townshend
01 June 2020 17:20 PM
Yes if only we could have a black list online so we could quickly check
From:
Andrew townshend
01 June 2020 17:15 PM
No David that is not the way it should be and it is not fair on both parties.
From:
Andrew townshend
01 June 2020 17:12 PM
Non payment of rent is a civil matter, drive away from a petrol station without paying is a criminal matter, both theft so why the difference?
From:
Andrew townshend
01 June 2020 10:21 AM
Gov' haven't a clue, fish out of water, all public school boys with useless uni degrees, no business sense, no common sense, no hope , some one should come up with a ''real world uni course'' but who would teach it ? more pricks with useless uni degrees.
From:
Andrew townshend
29 May 2020 21:42 PM
Paul, anyone going into BTL for CG is a total fool, CG is a bonus if it happens, BTL is for the % return on the purchase price, I aim for 6% but am happy with 5% or even 4% , more than any return I will get from any bank account, and a CG only happens when you sell, I don't look to sell, all I want is a % return on my hard earn't cash.
From:
Andrew townshend
29 May 2020 21:28 PM
That's good advice is it? money claim online, at a cost of around £60 to the landlord == a CCJ on the tenants credit history for the next 6 yrs, mmm a clever move ?
From:
Andrew townshend
29 May 2020 09:35 AM
I fully expect rents will drop in London, but for the rest of us I doubt there will be little change, I accepted an offer of £525 on a property that was advertised at £550 yesterday, which had previously been let at £525 so I'm happy with that, maybe we will need to add a bit on to take a bit off.
From:
Andrew townshend
29 May 2020 08:55 AM
I've always seen property as a sound investment, it's not let me down yet, but it has to be looked at long term, it's not a get rich quick investment and there will always be ups and downs along the way, the mistakes that I've seen some people make are borrowing too much in order to run before they can walk, buying property a long way from their home, and the armchair landlords that are afraid of getting their hands dirty.
From:
Andrew townshend
28 May 2020 09:05 AM
''Students disabuse themselves'' ? will never happen, have you ever met a student without a chip on their shoulder, and as for their parents mostly fall into the flash with no cash bracket, rent to a dustman or a road sweeper, nicer people and much better tenants.
From:
Andrew townshend
27 May 2020 09:28 AM
Squatters in a residential property - a criminal offence, doubt police will do much though, bailiffs, the sheriffs office might have some ideas though, worth a phone call , or just go round there with a couple of heavies and throw them out of an up stairs window, after all what are they going to do about , treat people as they treat you.
From:
Andrew townshend
26 May 2020 17:54 PM
I stopped renting to students in the 90s, just not worth the bother when there is no shortage of decent working tenants out there, as I understand things most student landlords insist on guarantors, I would simply go after the guarantors and not under any circumstances let them get away with it, I also wounder if our friend here is really a solicitor.
From:
Andrew townshend
26 May 2020 16:23 PM
I think there will be bargains to be had towards the end of this year, but long term capital values will increase as they always do
From:
Andrew townshend
26 May 2020 08:24 AM
Absolutely right does not matter who the tenant is or what they do for a living , no rent = no home.
From:
Andrew townshend
25 May 2020 12:55 PM
I use a tenancy agreement from Eastern Landlords Assoc, 4 pages, simple, straight forward and says all it needs to.
From:
Andrew townshend
25 May 2020 12:51 PM
How many tenants ever read their tenancy agreement either before signing or after, many tenant copies get filed in the bin as soon as they move in.
From:
Andrew townshend
25 May 2020 10:20 AM
I know of a student landlord that pays for all the windows to be cleaned every couple of months, that way he gets feed back ''what the window cleaner saw''
From:
Andrew townshend
22 May 2020 08:03 AM
I have found an easy answer, simply not to read comments from certain people on here, job done
From:
Andrew townshend
21 May 2020 17:01 PM
If I'm not round the same day then I am defiantly round the next day, all my properties are within a 30 mile radius of my home.
From:
Andrew townshend
21 May 2020 16:52 PM
Expect you could be right Mark, so glad I'm not in London, just a Norfolk boy, and yes they could drop around here, but not like they will in London.
From:
Andrew townshend
19 May 2020 09:43 AM
Richard you are right not to buy now if you are borrowing to do so, better to get your borrowings reduced first, this buying opportunity is for cash buyers only.
From:
Andrew townshend
19 May 2020 09:37 AM
I don't rent to students, learnt my lesson there yrs ago, only my opinion but I think I would issue'' money claims online'' to tenants and the guarantor, only £60 to do last time I issued one, and dead easy, no need to get a solicitor involved , they would soon be contacting you then, go for it Daniela these sort of people must not be allowed to get away with it.
From:
Andrew townshend
19 May 2020 09:33 AM
Investing in property rather than a private pension was the best thing I done, buy for cash, or keep borrowings to a minimum, and pay them off ASAP , and take a long term view, I was buying in the 90 - 97 period, corner shops and run down terraced houses out of auction rooms in Norwich 15 - 25k a time, but even then people were saying that I was mad to be doing so, my solicitor once said to me why don't you let me know before you go to an auction, my answer, because you would try and talk me out of it. Gut feeling has always worked for me.
From:
Andrew townshend
19 May 2020 09:24 AM
I had some brilliant bank managers in the 80s and 90s, but times change, bank managers today all seem to be wet behind the ears, the only way now is to own our properties, no borrowings
From:
Andrew townshend
18 May 2020 19:31 PM
Revenge is sweet isn't it David, throw them out and screw their credit history, plenty good enough
From:
Andrew townshend
18 May 2020 19:26 PM
If you have any around the Norwich area I could be interested at the right price, always buy in a falling market
From:
Andrew townshend
18 May 2020 19:22 PM
@Robert, agree totally, I buy when people tell me not to, but always buy for cash, over 30 yrs now, not gone wrong yet, no regrets
From:
Andrew townshend
18 May 2020 19:20 PM
Dennis, please don't take this the wrong way but I'm a landlord of more than 30 yrs now, been there, seen it all and got the tee shirt, but there are no shortage of very good decent working tenants out there just be very selective of the tenants you let to and then these problems don't arise too often, no DSS , no single mums, no one under 25, and no curry eaters
From:
Andrew townshend
18 May 2020 19:16 PM
Come on Steve, see the funny side and laugh at this idiot.
From:
Andrew townshend
14 May 2020 20:34 PM
Agreed Laura, that's why few of us will touch anyone on benefits, just not worth the risk.
From:
Andrew townshend
14 May 2020 17:48 PM
I've stopped reading comments from Seb, complete idiot.
From:
Andrew townshend
13 May 2020 18:26 PM
Oh that's alright the unions will be paying the rent, after all they are wealthy enough to do so, staff being paid £100k+ a year.
From:
Andrew townshend
13 May 2020 09:17 AM
Agreed there, strange isn't it.
From:
Andrew townshend
13 May 2020 09:00 AM
Help the tenant, in genuine cases of hardship where the tenant has been good up to now then yes possibly , but of course there will be many tenants just trying it on here.
From:
Andrew townshend
13 May 2020 08:57 AM
@John Hughes, well said mate I've been thinking just that, bitter and twisted Seb.
From:
Andrew townshend
13 May 2020 07:55 AM
There are some really good agents out there, then of course there are the chocolate tea pots ' generally best to avoid the big nationals as most of their staff are still wet behind the ears.
From:
Andrew townshend
12 May 2020 16:46 PM
Being a bit of a prat again Seb ??
From:
Andrew townshend
12 May 2020 16:39 PM
Chip on shoulder Ray, many landlords own their properties without borrowings, I like many others got into it in the 80s and 90s because we didn't like private pensions it's worked really well for me and many other babyboomers, a few of the ' flash with no cash' landlords may go bust, but the rest of us with real money in our pockets will be in the auction rooms buying their properties.
From:
Andrew townshend
12 May 2020 16:30 PM
Paul, you and I were brought up to save and pay our way, the young of today live the lifestyle from one payday to the next, and yes the just in time lifestyle, in fact many middle aged people live that lifestyle as well, these people are our customers because they will never own property, their fault, their problem, but we benefit from these mugs, without them we would not have tenants, so far other than 1 commercial tenant all are paying me in full, the 1 commercial tenant that cannot pay me at present has been an excellent tenant of mine for over 25 yrs so I will trust her and I want to keep her as a tenant.
From:
Andrew townshend
11 May 2020 22:32 PM
@ Sebastian, firstly I like to be able to trust people which generally pays off, however abuse my trust and they become feckless, Sebastian I think you understand very little chap.
From:
Andrew townshend
11 May 2020 21:01 PM
I treat people as they treat me and can see nothing wrong with that.
From:
Andrew townshend
11 May 2020 20:00 PM
Yes Paul push us too far and it could happen.
From:
Andrew townshend
11 May 2020 19:12 PM
We'll just have to take the law into our own hands again just as we did in the 80s and 90s
From:
Andrew townshend
11 May 2020 17:48 PM
Travel to and from work is allowed so long as work cannot be done from home, I have been traveling a 30 mile round trip to and from Norwich painting, renovating and up dating 2 empty properties since Easter and fully intend to carry on doing so.
From:
Andrew townshend
09 May 2020 16:34 PM
I like the countryside all year round, winter included, but doesn't suit all.
From:
Andrew townshend
08 May 2020 11:16 AM
Yes agreed Paul, just done my tax return, accountant working from home, renewed my property insurance, broker working from home, Letting agent also working from home, no problems at all, many will carry on working from home, what's not to like, less office space, less people traveling to and from work, another nail in the coffin for the high street
From:
Andrew townshend
08 May 2020 11:14 AM
I'm surprised by the 75% loan to value, would have thought it wiser to go 50 - 60 % max at present, but then the best way now is not to borrow at all.
From:
Andrew townshend
08 May 2020 10:41 AM
Be very careful when using an agent, one I use in Norwich is very good, rent paid into my bank a/c same day they receive it, the other agent I use (only one property left with them now) payments are getting later and later, now 18 days late, I have been promised a payment by Monday, I have to carry out a small repair on the property next week and will be having a chat to the tenants who have been there a long time and always paid, I think there will be a good few agents going bust in the not too distant future
From:
Andrew townshend
08 May 2020 10:35 AM
'The Guild of Property Professionals' sounds like a load of bull s**t to me.
From:
Andrew townshend
07 May 2020 09:21 AM
That's students for you, I stopped renting to them in the 90s, very little between the ears, think they know the lot, in reality they know F all
From:
Andrew townshend
06 May 2020 20:47 PM
Kate, I had an excellent solicitor for over 30 yrs (he was also a landlord both residential and commercial ) he retired a couple of yrs ago, all I can find now are chocolate teapots universities turn out academic idiots now complete waste of time, but that is now true of anything that comes out of a uni now, doctors, teachers all of them .
From:
Andrew townshend
06 May 2020 20:43 PM
I disagree David if they have been good tenants and are honest then they deserve a chance at least, however if they do not start to make the short fall up then they do need to go fast, I know all my tenants and 15 out of the 16 I would like to keep and would give them a chance.
From:
Andrew townshend
06 May 2020 09:36 AM
@Sebastian, a very big difference, a good tenant is someone that you can trust and that will repay, a bad tenant is someone that you cannot trust and will not make up the shortfall', thankfully most will fall into the good bracket, but their will still be a lot that will not
From:
Andrew townshend
06 May 2020 09:29 AM
Interest free ??
From:
Andrew townshend
06 May 2020 09:21 AM
Total waste of time, a good tenant would repay the shortfall slowly over a period of time, some will be out in the cold next winter and wonder why.
From:
Andrew townshend
06 May 2020 09:09 AM
Michael, I come from the same generation, but was lucky my take home pay as a HGV fitter was £30 per wk, my first house was a derelict small cottage in Norfolk which myself and girlfriend ( now wife) spent every wk end and every bank holiday renovating with our own hands, like to see the snowflakes of today doing that, but hey ho us baby boomers had it easy, or that's what people keep telling us
From:
Andrew townshend
03 May 2020 14:20 PM
But we can increase the rent every 12 months by means of sec 13, so why does the abolition of sec 21 make for rent controls, the only effect the loss of sec 21 is going to have is that we are all going to be very careful who we rent to and in many cases are going to require a guarantor to sign up, the tax issue only really affects landlords with mortgages, many of us own our properties without borrowings.
From:
Andrew townshend
03 May 2020 13:07 PM
Feckless ? there good tenants, I currently have 15 out of 16 that I rate as good, and then there are bad, rouge, feckless tenants, call them what you like they are what they are and only have themselves to blame.
From:
Andrew townshend
02 May 2020 11:52 AM
Us baby boomers always went for home ownership, but then we were never workshy, we saved, we went without the flash new cars on the drip, the continental holidays in the sun, etc etc etc, Few snowflakes will ever own own property unless someone gives it to them, their problem, self inflicted fools, that keep us landlords wealthy
From:
Andrew townshend
01 May 2020 17:07 PM
No need to worry there David we all know it will never happen, however it has to be remembered that extra costs forced onto landlords doesn't make landlords poorer, it just makes tenants poorer.
From:
Andrew townshend
01 May 2020 15:12 PM
Sticks and stones Laura, we are the ones laughing all the way to the bank, so they can call me what they like.
From:
Andrew townshend
29 April 2020 16:55 PM
Agreed, I never renew an AST I just let them roll over and use S13 to increase rents when necessary.
From:
Andrew townshend
29 April 2020 08:31 AM
@ Elina, there are many ways to trace people, I always insist on proof of a new tenant's NI number, this makes tracing them easy, as I have often said before it's not the money, it's the princible .
From:
Andrew townshend
26 April 2020 14:49 PM
Sheriff's office also very helpful find them online they have imfo online that you can down load free
From:
Andrew townshend
25 April 2020 10:44 AM
Personally I think I would do the money claim now, you don't need a solicitor for that, never know it might just wake the guy up, you don't need solicitors for sec 21 or sec 8 either, plenty of help online, I 'm a member of Eastern Landlords in Norwich £70 per year, tax deductible and worth every penny, they have always been there for me with sound advice and help, don't know where you are in the country but I expect there is a good landlord assoc somewhere near, don't bother with the big nationals they are about as much use as a chocolate teapot .
From:
Andrew townshend
25 April 2020 10:39 AM
These kind of tenants tend to go quite and sweep things under the carpet, but when evicted we are the rouges, for the sake of £60 issue a money claim online, easy to do, he will ignore it, doubt you will get your money, but you will have the satisfaction in knowing he has earned himself a CCJ and with that on his record few landlords will even consider him as a tenant, revenge is sweet.
From:
Andrew townshend
25 April 2020 10:11 AM
You don't know what ''trying it on means'' ? you must have lead a very sheltered life!
From:
Andrew townshend
22 April 2020 16:38 PM
Only had one so far, a commercial let, the lady has been an excellent tenant for over 25 yrs, so of course I agreed, but if I get any trying it on then they can rest assured that they will be on the streets in time for next winter.
From:
Andrew townshend
22 April 2020 09:54 AM
Good, if the agent doesn't like it invite him to take you to court, he would be laughed out of court if he were stupid enough to try it, which of course he won't.
From:
Andrew townshend
20 April 2020 15:48 PM
Sounds to me as if the agent has already broken this agreement, I would be talking to the tenants direct.
From:
Andrew townshend
20 April 2020 08:13 AM
Making a residential mortgage more risky for the lender, few first time buyers are going to qualify for a mortgage and gone will be the 10% deposit, some lenders are now talking about 30 - 40 % down, so more good quality working tenants for us, win win hopefully.
From:
Andrew townshend
19 April 2020 09:31 AM
@Tim, surely if their processions are still in their room they should be paying you rent
From:
Andrew townshend
18 April 2020 16:14 PM
Polling on behalf of the Guardian, well we can ignore that then, will be far from the truth.
From:
Andrew townshend
17 April 2020 08:20 AM
@ Paul B, unearned income ? I spent most of last year, and this year so far, cleaning, repairing, upgrading and decorating properties, yes me, I, myself in there getting dirty doing it, unearned income ?, my backside!
From:
Andrew townshend
16 April 2020 09:23 AM
Just like the stock market you buy in bad times, but with your own money not the banks, done that in early 90s, auction rooms empty and builders with no work, many people told me I was mad, who had the last laugh ?
From:
Andrew townshend
16 April 2020 09:14 AM
Just watch those homeless figures rocket in time for the cold winter of 2021
From:
Andrew townshend
16 April 2020 09:09 AM
I cannot see any reason for not increasing the rent
From:
Andrew townshend
16 April 2020 09:06 AM
Directline are a very bad insurance company and best avoided at all costs, they are also behind the green flag recovery insurance.
From:
Andrew townshend
15 April 2020 08:23 AM
The government could lead by example by stopping all collection of council tax, business rates, vat and income tax, come on lets be signing that petition to force the government to act.
From:
Andrew townshend
15 April 2020 08:16 AM
It will not just be BTL mortgages being with drawn, home owner mortgages will also be withdrawn, mortgages and loans for all will be very much harder to get and deposits will be very much higher, which is no bad thing, too many people living on credit has to change now.
From:
Andrew townshend
15 April 2020 08:11 AM
The writer of that article seems to be saying that the rent we receive is 100% profit, we don't have costs, insurance, accountants fees and repairs, many landlords have large mortgage payments to make as well. The answer here might be to agree a short term rent reduction but only in genuine hardship cases, and the arrears to be made good by a short term rent increase when this lock down is lifted
From:
Andrew townshend
15 April 2020 08:04 AM
Slightly off topic but collected some coal today, good chap and has some investment properties ( residential and commercial) anyway tenant in shop, very high class expensive gentleman's clothing, 3 wks ago when he had to close announced that he would not be paying his rent, but did not want to loose his shop, this guy (the tenant) drives a Porsche, his wife drives a range rover taking the 'P' or what ? bet both cars are leased, FLASH WITH NO CASH oh isn't this going to sort the men from the boys.
From:
Andrew townshend
14 April 2020 21:06 PM
I done student lets at one of my properties for a couple of yrs in the 90s, too much grief, stopped that, I now go for working people over 25 and no single mums, oh and no all day curry eaters either, too much mess and smell.
From:
Andrew townshend
14 April 2020 17:10 PM
So accountants, solicitors, councils, vat, etc etc will also be reducing their charges by 25% then, don't take us for mugs.
From:
Andrew townshend
14 April 2020 08:56 AM
75% LTV seems a bit risky to me, 50 - 60 % would seem more sensible now, but then the best way is not to borrow at all.
From:
Andrew townshend
13 April 2020 09:57 AM
Good tenants who don't try to take the 'P' have nothing to worry about, why would any landlord want to loose a 'good' tenant, there will be many tenants that will try it on, fools to themselves at the end of the day they are the ones that will loose out
From:
Andrew townshend
10 April 2020 19:54 PM
Maybe explain to the tenant rent is not being passed on and ask the tenant to pay you direct, there have been many cases of rouge agents pocketing the rent, are the agents a ltd company and about to go bust, sounds like it.
From:
Andrew townshend
10 April 2020 17:31 PM
Nothing personal just business, like the garage that will not let you drive your car away until the bill has been paid in full, there is a heating company here in Norwich who will not service a boiler unless payment has been made before the engineer leaves their yard to do the job, there are so many people in all walks of life that think they do not have to pay the bill which has made us all hard, sad but true.
From:
Andrew townshend
10 April 2020 17:04 PM
I think we will be looking at more than 14%, my guess would be a figure approaching double that
From:
Andrew townshend
10 April 2020 11:30 AM
All this is going to have to be paid for some how, income tax, vat increases in the near future.
From:
Andrew townshend
10 April 2020 09:41 AM
An estate agent, well of course he would say that, he could be out of a job and bankrupt in a couple of months most of them operate on a shoe string driving the flash cars on lease, auctions are going to be busy selling off all these re possessed cars and houses.
From:
Andrew townshend
10 April 2020 09:37 AM
Some will just sweep it under the carpet and adopt the attitude'' can't pay won't pay''-- then we take the attitude '' can't pay we take it away ''
From:
Andrew townshend
10 April 2020 09:31 AM
@ Lee, ''feckless'' the word does sum up a certain element in society today quite well, would you not agree ?
From:
Andrew townshend
09 April 2020 17:32 PM
Matthew, where were you in 1989/90 ?
From:
Andrew townshend
09 April 2020 14:52 PM
They will fall, that's not rocket science is it? 38% seems a very precise figure, I think the fall in sales will be much higher than that.
From:
Andrew townshend
09 April 2020 09:46 AM
Maybe a few forced sales in the auction rooms, back to 1990 when the bargains were out there with very few buyers
From:
Andrew townshend
09 April 2020 09:42 AM
Not much is going to happen while we are in lock down, buying, selling, renting is going to be slow for the rest of this year, will certainly sort the men from the boys.
From:
Andrew townshend
09 April 2020 09:38 AM
I think property has been over valued for sometime and this is the straw that will break the camels back, added to that large mortgages will be hard to get which will hit the young first time buyer hard, just like shares the lose in value is only a figure on paper, it is only a true lose if or when you sell.
From:
Andrew townshend
09 April 2020 09:28 AM
Money claim on line for the monies due, tenant gets a CCJ , she might just wake up, do not put it off, do it now.
From:
Andrew townshend
09 April 2020 08:39 AM
Just let her go Rachel, you are well rid, you will have no problem re letting that spare room.
From:
Andrew townshend
08 April 2020 21:37 PM
Spot on Paul, but snowflakes and the '' I'm entitled generation will never see it that way''', my first home cost me £5k in 1979, small and derelict, 2 yrs later I sold it for £11k went to an auction and bought another derelict property, cost me £22k I borrowed £3 k from Bank over 3 yrs, had it payed off in 1 yr, lived in a caravan in back garden while renovating , done more since and lived in more caravans, today it is fair to say that I am a wealthy man, nice home, 16 rented properties and no borrowings, work, work, going without, driving beat up old vans has got me here, and you know what, I have enjoyed the journey all the way, and I still buy derelict properties at auction and get in there myself, odd guy? yes but that is me, no time for wingers like that spoil brat Kate
From:
Andrew townshend
08 April 2020 21:28 PM
That's what my old accountant always told me '' cash is king'', many yrs ago a ''proper'' bank manager once said to me '' borrow money to make money boy, don't borrow money to sustain a false life style'' all very good advise, loans and mortgages are going to be very hard to get now, and that is no bad thing, 50% in 50% borrowed max, just common sense isn't it ?
From:
Andrew townshend
08 April 2020 19:49 PM
Sounds to me like someone trying to talk the market up, after this banks will want much larger deposits the risks are just too great for them and who can blame them, as I have said before large mortgages are a mugs game, too many people have been living a false life style on too much debt, time for a change.
From:
Andrew townshend
08 April 2020 09:30 AM
But Paul you I and everyone else know that they are fools to themselves only long term
From:
Andrew townshend
07 April 2020 22:33 PM
For the sake of £60 go money claim online and start a claim, ccj coming his way, credit history screwed no landlord will touch him, you may well not get your money, but revenge is sweet.
From:
Andrew townshend
07 April 2020 21:54 PM
Oh you stupid sad woman, just go away.
From:
Andrew townshend
07 April 2020 21:31 PM
I could be wrong here but I seem to remember reading somewhere that it is a criminal offence in Germany not to pay their rent.
From:
Andrew townshend
07 April 2020 19:22 PM
Agreed, but many tenants take a short term view, those that take the 'P' will be on the streets next winter.
From:
Andrew townshend
07 April 2020 19:19 PM
Yes where a tenant takes the short term view it is a green light, but those that take advantage of the situation will find themselves sleeping in shop door ways next winter.
From:
Andrew townshend
07 April 2020 09:43 AM
I like good long term tenants, who would not, I have tenants that have been with me 10 yrs + one has been with me over 25 yrs.
From:
Andrew townshend
07 April 2020 09:37 AM
Rude Kate ? pot kettle black I think there girl.
From:
Andrew townshend
06 April 2020 15:11 PM
Agreed Kate and the worst of it is they are laughing at you, mine was a shop which might make it a bit different, I entered the premises in day light hours changed the locks, placed a notice in the window stating that they had 14 days to contact me after which their stock would be removed, that got rid of them, never did get the money though, I think you need to contact a good solicitor that knows what he is talking about, if yours is a commercial let you may be able to do as I did, but if it is residential then you will not.
From:
Andrew townshend
06 April 2020 10:55 AM
Never rent to a company without at least one director standing guarantor in their own right, I speak from experience I was once caught yrs ago.
From:
Andrew townshend
06 April 2020 09:06 AM
It will not happen to me Kate, I do not live the false lifestyle on borrowed money, all my properties are bought and paid for, I have cash reserves, my cars are bought and paid for, you are the original mug lady, but that suits me because it's mugs like you that have made me a wealthy guy
From:
Andrew townshend
04 April 2020 22:22 PM
Can't pay or won't pay ? that is the question, companies closed down? yes and a lot of them will never reopen, but more likely the straw that broke the canals back, these companies were technically bankrupt long ago trading on turnover, closing the country down? big mistake, and needs a rethink ASAP.
From:
Andrew townshend
04 April 2020 22:14 PM
Sorry Kate but I tell it as it is, please or offend, seems to me you got yourself into this situation, really not cut out to be a landlord are you?
From:
Andrew townshend
04 April 2020 21:55 PM
@Kate, that's the joys of being a landlord, you had better hope it does not happen because there is nothing you can do, by the sound of things if it does happen you will be bankrupt, large mortgage ? not a good idea.
From:
Andrew townshend
04 April 2020 20:21 PM
Exactly ''HONEST'' I think most of us would help out where we can in genuine cases, but there will be many tenants trying it on, I have already given a commercial tenant who has had to close her business for now a rent holiday.
From:
Andrew townshend
03 April 2020 11:15 AM
I like most other landlords will not even consider renting to someone on UC , however if an other wise good tenant lost their job I would not evict them, but if the rent then got into arrears I would have no choice other than to start the sec 8 ball rolling
From:
Andrew townshend
03 April 2020 11:04 AM
Nail on head, all they have achieved is to push up rents, hurting the very people that they are supposed to represent .
From:
Andrew townshend
03 April 2020 09:11 AM
I don't rent to students, or anyone under 25, just too much bother, give me the good honest hard working man (or woman) who I can offer respect to.
From:
Andrew townshend
02 April 2020 12:45 PM
Talking about shelter have you seen their t v ad wanting donations, they must be finding it hard to pay the boys at the top their 100k a yr wages
From:
Andrew townshend
02 April 2020 12:39 PM
I have been a member of Eastern Landlords Assos for 30 yrs, very happy with the support and guidance I receive from them, they are local and I can walk into their office here in Norwich anytime I like, no interest in this new trade body I fully expect they will be a total waste of time.
From:
Andrew townshend
02 April 2020 10:55 AM
Greedy ? lets take a look at what solicitors, accountants, car repair garages, heating engineers, etc etc charge, are they also not greedy? Everyone is greedy we have to be in order to survive, governments, both left and right over the past 30 yrs have caused this.
From:
Andrew townshend
02 April 2020 10:38 AM
Freckless tenants will always take the P, give them an inch and they will take a mile
From:
Andrew townshend
02 April 2020 10:29 AM
The rent is still do to be paid, there is no rent free period, evictions will still take place, it will just take longer to evict.
From:
Andrew townshend
02 April 2020 10:25 AM
I have already given a commercial tenant a rent holiday as the lady has had to close for now, she has been my tenant for more than 25 yrs and has always paid her rent in full, so I am happy to do so even though I don't have to, as yet I have not had a residential tenant approach me for one, if a tenant does ask for one I will consider a compromise depending on the circumstances .
From:
Andrew townshend
01 April 2020 13:40 PM
The courts will have to do their job as laid down in law, no ifs and no buts, courts do not make the law they just apply it.
From:
Andrew townshend
31 March 2020 14:46 PM
Ian your opinion and of course you are entitled to it, but like others on here you do not disclose your line of work, as for the crash coming I welcome it property has been over valued for a long time, I'm not selling, and like many others I own my properties no loans, so if values drop I will likely buy, filthy business ? certainly right there you should see the s**t I clear up from some of these tenants, and yes I do do it myself, '' STICKS AND STONES MAY HURT MY BONES - WORDS NEVER WILL, but you carry on ,you and your like give us a good old laugh.
From:
Andrew townshend
31 March 2020 14:40 PM
The damage they do to us will come back and bite tenants, councils and the government hard on the backside when we get back to normal, if a tenant fails to pay me without good reason I will serve sec 8, I will evict, however long that may take and I will make sure every landlord in my area knows who they are, we landlords do talk to each other
From:
Andrew townshend
31 March 2020 10:05 AM
Very true Paul, but generally tenants are the kind of people that live for today and sod tomorrow, which is why they will always be tenants and never a home owner, latter life on the bread line, but they just aren't clever enough to see that coming.
From:
Andrew townshend
31 March 2020 09:01 AM
Hayley, I think in your position I would stop paying the mortgage, let the lender reprocess the property and forget about being a landlord, I'm sorry lady but it sounds to me you are just not cut out to be a landlord, your tenants will be out immediately as when a property is repossessed by a lender the residents are out without the need of any court order.
From:
Andrew townshend
30 March 2020 21:09 PM
@ John Hughes, no you are not the stupid one, we work and pay our way, that means we can hold our heads up high, I wouldn't have it any other way.
From:
Andrew townshend
30 March 2020 13:56 PM
Long term this is all going to back fire on tenants, landlords will be even more selective as to who they rent to, leaving more and more people sleeping in shop door ways
From:
Andrew townshend
30 March 2020 13:38 PM
Very good point Peter, I would like to hear answers there as well, but of course we won't hear a thing.
From:
Andrew townshend
30 March 2020 12:13 PM
Agreed, lead by example, or is it a case, as always, do as I say not as I do.
From:
Andrew townshend
30 March 2020 12:08 PM
This rent holiday should only apply to those self isolating or those who have lost their jobs, as a blanket ban it is totally wrong. If you have a suitable guarantor you should be able to get your money out of them
From:
Andrew townshend
30 March 2020 09:55 AM
So solicitors and accountants will be offering their services for free for 3 months ?? What ever the loony left comes out with is nothing other than a joke, laugh at them, totally unelectable there will not be another labour government in my life time, and what happens when I'm gone is no concern of mine.
From:
Andrew townshend
30 March 2020 09:47 AM
Paul I always buy for cash, whether it be a house, car or what ever, that's the way I was brought up, save first then buy, my properties come from the auction room as do my cars and I never pay more than £10k for a car I cannot see the point in driving anything more expensive.
From:
Andrew townshend
28 March 2020 17:44 PM
So rumor has it Nick you are a teacher, I have yet to meet a teacher with even a morsel of common sense, but you are giving us a good laugh on here so rock on.
From:
Andrew townshend
28 March 2020 17:30 PM
Nick, you are very welcome to comment on here, and entitled to air your views, we are all entitled to our opinions .
From:
Andrew townshend
27 March 2020 19:13 PM
They will be broken promises, any way to get out of paying out just like any cheap insurance does.
From:
Andrew townshend
27 March 2020 09:33 AM
This is exactly what will happen, at present I have one tenant that might be stupid enough to do this, thankfully the other 15 are very unlikely to, but we can always make things very difficult for the rouge tenants in the future by naming and shaming them, we stick together and talk to each other.
From:
Andrew townshend
27 March 2020 09:23 AM
There will be many ex tenants with very bad credit scores sleeping in shop door ways, big mistake to take the ''P'' out of landlords, at the end of the day we have the upper hand.
From:
Andrew townshend
27 March 2020 09:16 AM
Good time to buy in the 90s, when I bought most of mine for peanuts, because few had the balls to buy.
From:
Andrew townshend
27 March 2020 09:11 AM
Well said Paul, sums things up perfectly, just as well we all have a sense of humor
From:
Andrew townshend
26 March 2020 17:13 PM
Only the fittest will survive this, those that borrowed too much trying to run before they could walk will hit the buffers
From:
Andrew townshend
26 March 2020 09:53 AM
Very optimistic statements, I would have thought a drop in sales to zero personally, and values will certainly drop when we get back to normal, property has been over valued for a long time, a correction has been well over due, be a good few estate agents going bankrupt and likely some of the big names.
From:
Andrew townshend
26 March 2020 09:25 AM
Of course not Jean, I'm 66, and after 30 yrs as a landlord am mortgage free, I think I'm lucky though, all but one of my tenants are good honest hard working people who I feel I can trust, the one who is not will likely find herself homeless next winter
From:
Andrew townshend
25 March 2020 21:35 PM
Morons driving office desks in town (and city) halls they are all the same, especially the loony left ones like Norwich city council
From:
Andrew townshend
25 March 2020 21:12 PM
30 Yrs ago I rented to students, did not take me long to ditch them and their snobby parents and move to honest working tenants.
From:
Andrew townshend
25 March 2020 19:59 PM
What work do you do Nick ?
From:
Andrew townshend
25 March 2020 10:31 AM
A complete ban is totally unfair, tenants who can pay their rent but chose not to need to go ASAP .
From:
Andrew townshend
25 March 2020 09:17 AM
I don't see why not.
From:
Andrew townshend
25 March 2020 09:13 AM
Correct as they will still be receiving their housing benefit, but what's the betting that some will jump on the band wagon as they know that we cannot evict them for at least 3 months, but of course they will be homeless by next winter and only a few rouge landlords will consider renting to them then.
From:
Andrew townshend
25 March 2020 08:50 AM
Agreed, but it is not going to work, we landlords are made of much stronger stuff than these sad whimps driving office desks in town halls.
From:
Andrew townshend
25 March 2020 08:44 AM
I would agree there, however I have to speak as I find, I have banked with Barclays for over 40 yrs they have been very good to me and stood by me in difficult times , at present I have no borrowings so it's unlikely to be a problem now.
From:
Andrew townshend
24 March 2020 17:24 PM
I think we have all had tenants like that Ken.
From:
Andrew townshend
24 March 2020 17:17 PM
I will consider a pet, small dog or cat, but as I can nolonger take a larger deposit it will now have to be an increased rent, the problem of course is some tenants ignore the no pets clause then we either have to just accept it or go down the expensive route of eviction .
From:
Andrew townshend
24 March 2020 14:01 PM
That would seem like a fair compromise, but I'm not holding my breath on that one.
From:
Andrew townshend
24 March 2020 10:00 AM
Sadly there is nothing that you can do other than wait and sit it out, I have a tenant that needs to go but for now I am stuck with her, the dross element will milk this for all it is worth but our time will come when this is all over and they find themselves homeless with only the rouge landlords prepared to take them on in sub standard properties.
From:
Andrew townshend
22 March 2020 20:56 PM
Well we will not be compensated, but the rent payments are only deferred they will still be due for payment once the tenant returns to work, I will expect these tenants to make extra payments each month to slowly pay off the monies due, if they do not I will not hesitate to take county court action.
From:
Andrew townshend
22 March 2020 19:47 PM
We can reduce the risk though by being very careful who we rent to, no DSS, no single mums, and no one under 25.
From:
Andrew townshend
20 March 2020 08:40 AM
I note you have even up voted yourself, that speaks volumes about you sir or madam
From:
Andrew townshend
19 March 2020 20:39 PM
So all we do is sit at home on our lap tops watching the money flow into our bank accounts ? you really have no idea do you, may I ask what do you do for work, that is if you work at all?
From:
Andrew townshend
19 March 2020 20:13 PM
I will expect any unpaid rent to be repaid once the tenant goes back to work, and I will take court action if need be, this is not a rent free period, it's just deferred payment.
From:
Andrew townshend
19 March 2020 17:46 PM
That is very reasonable, there will be many tenants trying it on here, wounder if the workshy benefits scroungers will expect to live rent free
From:
Andrew townshend
19 March 2020 17:36 PM
It is clear to me that this guy is a complete idiot, work for nothing? yer pull the other one.
From:
Andrew townshend
19 March 2020 17:31 PM
YES !
From:
Andrew townshend
19 March 2020 17:26 PM
Agreed, for every 1 rouge landlord there are at least 10 rouge tenants
From:
Andrew townshend
19 March 2020 09:25 AM
This is of course exactly what will happen, so where it does either evict when this is all over or increase the rent to make up the short fall
From:
Andrew townshend
19 March 2020 09:22 AM
Very sensible idea, but of course it will never happen.
From:
Andrew townshend
19 March 2020 09:12 AM
I suspect a lot of rouge tenants will use this to simply get out of paying the rent and there will be little that we can do about it, we need to be able to black list these rouge tenants to protect other landlords
From:
Andrew townshend
19 March 2020 08:48 AM
You are dreaming, government / councils, shelter, G R ease their relentless attack on us ? never going to happen, I treat people as they treat me.
From:
Andrew townshend
18 March 2020 15:50 PM
Nice thought Michael, but never going to happen is it, government / councils are our enemies, their doing, why would I help an enemy
From:
Andrew townshend
18 March 2020 15:40 PM
There some trust worthy people that you can be flexible with, I rent a shop to a lady that does sandwiches , she has been a good tenant for the past 25 yrs, if she has to close I will of course give her a rent free period, residential tenants I will not, it is up to the government or local council to pay their rent, if rent not paid section 8 notice in the post, the government / local councils are no friends of us landlords, their doing, maybe they should have thought about that before they stuck the knife in between our shoulder blades, I treat people as they treat me, and I do bear a grudge
From:
Andrew townshend
18 March 2020 15:25 PM
You genuinely believe you might get help. dream on Martha, we won't get any help, just stabbed between the shoulder blades as all ways.
From:
Andrew townshend
17 March 2020 21:44 PM
No John, they take us for mugs, no one but no one takes me for a mug
From:
Andrew townshend
17 March 2020 21:36 PM
This is the governments problem, support landlords -- no chance-- tenants will also take the P , it's a hard world out there , dog eat dog, harden up, or fall by the roadside, will anyone have any sympathy for a landlord ? of course not, this is the real world and welcome to it, one good thing about it though, it might wake up the snowflakes and the I'm entitled lot.
From:
Andrew townshend
17 March 2020 21:31 PM
Well said Paul, these idiots have no idea.
From:
Andrew townshend
17 March 2020 19:38 PM
It's up to the government or local council to pay, if they don't then it's eviction, I am not a charity.
From:
Andrew townshend
17 March 2020 18:11 PM
And how many tenants will use this as an excuse to not pay rent, if the government or councils pays me the rent then I will not evict, in all other cases I will evict, I am not a charity, shelter is though, knock on their door.
From:
Andrew townshend
17 March 2020 18:03 PM
If a rule were to be brought in to stop us refusing the DSS dross then we would have to insist on a home owing guarantor , they would find that very difficult to provide.
From:
Andrew townshend
15 March 2020 09:30 AM
Leave the rouge tenants to the rouge landlords, they deserve each other.
From:
Andrew townshend
13 March 2020 17:05 PM
There is a saying '' you don't need an education to be clever '', now most of these boys and girls in government have had the education, private school uni etc, but when it comes to the real world out there they are as thick as 2 short planks, and as David says above there is no shortage of desperate people out there looking for some where to live, so we can pick and choose
From:
Andrew townshend
13 March 2020 16:55 PM
Spot on Paul.
From:
Andrew townshend
13 March 2020 08:51 AM
And when it comes to making a claim on these micky mouse insurance policies are they going to pay out, or do their best to wriggle out of it, would not touch them, not for me thank you.
From:
Andrew townshend
12 March 2020 16:41 PM
What a surprise, one of them funny names yet again.
From:
Andrew townshend
11 March 2020 19:16 PM
Sex for rent ? well that's being paid for sex, prostitution , so these tenants would be admitting to being prostitutes, against the law, lock them up, problem solved.
From:
Andrew townshend
11 March 2020 19:10 PM
We now live in an age of living the life style on credit, the '' flash with no cash '' all show and nothing to back it up with, will it all end in tears? of course it will, mugs, but not my problem.
From:
Andrew townshend
09 March 2020 19:13 PM
Their are lot of very nasty people out there who seem to be above the law.
From:
Andrew townshend
04 March 2020 08:16 AM
But who's the ultimate looser in all this? the tenant, higher rents and even fewer landlords that will consider pets, or benefit claimants, shot in foot comes to mind.
From:
Andrew townshend
03 March 2020 07:31 AM
Very true most terraced houses here in Norwich date around the 1880s, built to last and people who live in them love them, houses built in the 60s are being knocked down, houses being built today will last 50 yrs max, and in 50 yrs time those 1880s houses will still stand and people will still love them. Electric cars are not green, they are also down right dangerous in the event of an accident, these ' greenies' no doubt straight out of uni with a useless degree are truly as thick as 2 short planks, as an electrician said to me recently '' you do not need an education to be clever''.
From:
Andrew townshend
28 February 2020 22:32 PM
Wise advice, but it won't happen, we are talking the ''I'm entitled generation'' entitled to all you list and want it all NOW.
From:
Andrew townshend
26 February 2020 18:16 PM
We need a thick hide to be a landlord, I for one am not going to lay down and die quietly.
From:
Andrew townshend
25 February 2020 21:20 PM
I have an excellent electrician, and an excellent MOT testing garage here in Norwich who are fair and honest , there are many who are not, and no, I am not dishonest myself.
From:
Andrew townshend
25 February 2020 18:03 PM
So you always find a fault in order to increase the bill, bit like the MOT test where some garages always fail a car in order to get work?
From:
Andrew townshend
25 February 2020 16:19 PM
I will consider pets but now that I am unable to charge an increased deposit it will have to be an increased rent
From:
Andrew townshend
25 February 2020 16:15 PM
Yes as always it will be the tenants picking up the tab here.
From:
Andrew townshend
25 February 2020 16:11 PM
Very true Paul, but do you really think for one moment anyone in government are listening , or even want to listen
From:
Andrew townshend
24 February 2020 19:42 PM
The name says it all to me.
From:
Andrew townshend
24 February 2020 17:15 PM
Legal aid seems to be handed out to any old Tom, Dick, or Harry for any old reason, legal aid should be scrapped .
From:
Andrew townshend
20 February 2020 13:15 PM
Not at all interested in these '' no deposit schemes'' no deposit no tenancy simple.
From:
Andrew townshend
19 February 2020 14:55 PM
There will not be any good news in the budget for landlords, face facts we all know this.
From:
Andrew townshend
18 February 2020 10:04 AM
Shelter is a charity, but are they providing homes, are they helping vulnerable tenants, NO they are just making things worse for the very people they claim to be there for.
From:
Andrew townshend
18 February 2020 09:57 AM
The helping hand I would like is to be able to evict non paying rouge tenants within 2 months, until I get that (and I'm not holding my breath) I will not consider benefit claimants, single moms or people under 25, I far from alone here, so this isn't helping vulnerable tenants is it ?
From:
Andrew townshend
18 February 2020 09:53 AM
All very good linking rents to wages but what about all the extra costs now being imposed on us this money has to come from some where, it's not coming out of my profits so it has to come from increased rent, the end user always pays.
From:
Andrew townshend
17 February 2020 09:38 AM
£60 well spent money claims online, we should all be doing this, why shouldn't they have a ccj if they don't pay ?
From:
Andrew townshend
17 February 2020 09:30 AM
Yes I think this is the way forward, unless a new tenant is gold plated then a home owing guarantor is a must, without this no tenancy, we need to stick together here because if we do councils and government are going to have such a problem with the homeless they will have to come and talk sense with us, we can win here.
From:
Andrew townshend
14 February 2020 20:19 PM
Very true, a big scam, but no doubt there are many a mug out there that has wasted their cash.
From:
Andrew townshend
14 February 2020 17:47 PM
Our overheads increase and shortage of supply = increased rent, not rocket science is it ?
From:
Andrew townshend
13 February 2020 10:00 AM
I was expecting too much from present day coppers wasn't I ?
From:
Andrew townshend
13 February 2020 09:56 AM
Police don't seem interested, I found one in a shop once, called the police, took them over an hour to get there, then parked a police van right outside, I don't think they want the paper work.
From:
Andrew townshend
13 February 2020 09:31 AM
Rapid rehousing, how about a rapid eviction when things go wrong ? thought not .
From:
Andrew townshend
07 February 2020 09:30 AM
Very true Paul.
From:
Andrew townshend
06 February 2020 19:07 PM
Just as with both tenants and landlords not all agents are rouges here, I have a very good independent agent I use in Norwich who are fair to both landlords and tenants equally .
From:
Andrew townshend
06 February 2020 18:09 PM
Rents are climbing here in Norwich, and no shortage of good tenants to chose from, the dross element are taking up the shop door ways increasingly .
From:
Andrew townshend
06 February 2020 09:04 AM
S S, I agree some agents were ripping tenants off with high fees, what might have been better here would have been a cap on fees that could have been charged to the tenant. however we are talking about damage deposits here which at a max of 5 wks are not enough so the money has to be collected another way as much as that is unfair to good tenants but the government made the rules here not us landlords.
From:
Andrew townshend
06 February 2020 08:16 AM
But have they saved £163 ? No they have not, the lost deposit has simply been added to the rent, that none of them will get back, shot in foot again.
From:
Andrew townshend
05 February 2020 19:55 PM
That's what you get when dealing with these sort of people
From:
Andrew townshend
04 February 2020 16:51 PM
I'm one of very few LLs in my area that used to consider tenants with pets, not now though, 5 wks deposit is not enough, might consider a higher rent but that's really going to hurt the tenant, well done government, shot in foot again.
From:
Andrew townshend
04 February 2020 16:00 PM
Well those of us that are left, and with low or zero borrowings will be in a strong position as rents go through the roof.
From:
Andrew townshend
03 February 2020 20:11 PM
There really is no excuse is there ? 1st of April until 31st of Jan to get the self assessment in.
From:
Andrew townshend
03 February 2020 20:08 PM
They live a totally different life style to the life we lived at their age, we saved, they spend, so unless some one gives them a property then they will rent until they die, mugs, but it's their choice .
From:
Andrew townshend
30 January 2020 09:39 AM
Here's the deal Boris, take away s 21 ( the so called ' no fault' eviction) increase minimum tenancy terms, but give us a sure fire way of removing rouge tenants in one month max.
From:
Andrew townshend
28 January 2020 18:31 PM
Nice idea, but will never happen.
From:
Andrew townshend
25 January 2020 08:44 AM
Many older council properties are simply not safe, but councils and housing assocs are allowed to get away with it, why ?
From:
Andrew townshend
24 January 2020 21:10 PM
Long term tenants, I have many, they all started off on 6 month AST and then became SPT, no new tenant will ever be offered anything longer than 6 months we just don't know what we are getting with a new tenant do we.
From:
Andrew townshend
24 January 2020 21:04 PM
Probably makes sense, but who's paying ? well the tenant of course by an increase in rent to cover the landlords extra expense.
From:
Andrew townshend
17 January 2020 09:21 AM
But is that our fault, or is it down to the government ? the end user always pays.
From:
Andrew townshend
17 January 2020 09:17 AM
Could not shelter lend them the money, after all they are supposed to be a charity for tenants and the homeless ?
From:
Andrew townshend
06 January 2020 16:42 PM
I'm sticking with BTL I have the advantage of owning all my properties, no borrowings, but I am going to be very careful who I rent to, no risks from here on, if my gut feeling isn't right then no tenancy.
From:
Andrew townshend
03 January 2020 21:38 PM
Easy answer Paul, if a tenant will not qualify for RGI leave them sleeping in shop door ways
From:
Andrew townshend
03 January 2020 21:25 PM
I do believe the RLA and the NLA to be a total waste of time here, I am, and have been since the early 90s a member of a local LL group, Eastern Landlords Assoc, who are always there to help, as for the government being hell bent on destroying us, well they have a fight on their hands there, those of us who own our properties outright are in a very strong position, all the government are doing is hurting the tenant with increased rents, and a big problem for bad tenants who most of us will not touch at any price.
From:
Andrew townshend
02 January 2020 20:56 PM
Yes charities stink don't they, it's all about how much their employees can milk out of them and not the cause, the church is no different either.
From:
Andrew townshend
02 January 2020 20:23 PM
We know the government don't want to listen, so we just up the rents, it's the tenants they are hurting.
From:
Andrew townshend
02 January 2020 16:20 PM
The first sentence sums it up perfectly, done properly, learning to walk before you run, and not over borrowing BTL can work very well, much better than any private pension sold by those spivs in suits.
From:
Andrew townshend
02 January 2020 09:12 AM
I find void periods useful for repairs and up grades, sods law though I have 2 empty properties at present both needing work, but that's just the way it goes.
From:
Andrew townshend
31 December 2019 17:43 PM
I do, as a matter of princible, £60 online money claim, very unlikely to get the money owed, but the satisfaction of giving the defaulting tenant a ccj is worth it.
From:
Andrew townshend
31 December 2019 08:53 AM
Agreed, and I would not trust these insurance based schemes to pay out in the event of a claim.
From:
Andrew townshend
30 December 2019 18:54 PM
I like tenants that stay a long time, and have many that have, but we still need a cheap quick way of evicting rouge tenants, until we get that, if ever, then mine are all on 6 month tenancies.
From:
Andrew townshend
28 December 2019 15:37 PM
That is so very true Neil, and don't forget housing assocs as well, Happy Christmas.
From:
Andrew townshend
25 December 2019 09:06 AM
Most of my tenants are o k , but you always get the odd one.
From:
Andrew townshend
23 December 2019 16:06 PM
Making money out of tenants, all additional costs are passed on by an increased rent.
From:
Andrew townshend
20 December 2019 09:10 AM
''Highly educated Albert Einsteins of the future'' but when it comes to common sense as thick as s**t.
From:
Andrew townshend
19 December 2019 21:30 PM
As a some what green landlord in the early 90s I had student tenants, never again, more trouble than they are worth, and their parents were worse , I don't rent to anyone under 25 now, and students are a big big no.
From:
Andrew townshend
19 December 2019 20:38 PM
I think the landlords name says it all.
From:
Andrew townshend
19 December 2019 17:47 PM
Your are hot on the key board tonight Paul, happy Christmas mate.
From:
Andrew townshend
17 December 2019 21:17 PM
Never got involved with HMOs, and never will.
From:
Andrew townshend
17 December 2019 21:13 PM
I have to agree with you there Paul, buy a property with a tenant in it and you are taking on another landlord's problems, been there, done that, got the tee shirt.
From:
Andrew townshend
17 December 2019 19:51 PM
A good relationship with tenants ? I totally agree, but a relationship is a 2 way thing.
From:
Andrew townshend
17 December 2019 09:08 AM
I think we have 10 yrs before we need worry about any possibility of a labour government, that will make me 76, if I'm still around, and if I am I don't think I will be too bothered by then.
From:
Andrew townshend
16 December 2019 21:16 PM
I have a detached house in Norwich built around 1880 which I have owned for the past 30 yrs, over this time I have had many tenants there complain of damp and mould, present tenant has been there around 3 - 4 yrs now, no damp and no mould, why ? because when ever I drive past, winter or summer, the bedroom windows are always open durin day light hours, there's your answer.
From:
Andrew townshend
03 December 2019 09:29 AM
Pi**es me off too Danieli, I'm a good landlord, as I'm sure you are as well, good tenants are good customers, all business need good customers and the way to keep them is to look after them, but hey ho we all get tared with the same brush.
From:
Andrew townshend
28 November 2019 20:13 PM
Totally agree, no deposit, no tenancy.
From:
Andrew townshend
28 November 2019 20:02 PM
But this is how millenials and snowflakes work, live today, pay later, which is why few of them will ever own a home, and in old age they will be skint, their problem, not mine.
From:
Andrew townshend
26 November 2019 19:31 PM
Well yes, when we bid, or make an offer we deduct 3%, take it or leave it.
From:
Andrew townshend
26 November 2019 19:26 PM
Well hasn't it always been a case of voting for the lesser of the 2 evils, none of this is going to end well, it will be as always the end user that will pay, but will tenants see this ? doubtful.
From:
Andrew townshend
26 November 2019 19:19 PM
It won't work, I'm not going to give the keys to a new tenant until I have the deposit in full, and I 'm not going to agree to release a deposit until I'm happy with the property.
From:
Andrew townshend
25 November 2019 17:27 PM
I have never used sec 8, when I've had a non paying tenant I have always used sec 21, all I want is them gone a s a p, now if we are to loose sec 21 it's a case of not taking risks with new tenants, if they don't stack up I don't want them in my properties.
From:
Andrew townshend
25 November 2019 17:17 PM
And again, a very not British sur name!
From:
Andrew townshend
18 November 2019 19:13 PM
22 weeks, now add to that the 8 weeks before the section 8 notice was served that's 30 weeks with no rent + the court costs, and shelter say we are unreasonable when we say no dss.
From:
Andrew townshend
15 November 2019 10:09 AM
People don't go looking to buy / rent by the boards outside properties, these boards just invite the time wasters, business is done over the internet now by viewing web sites.
From:
Andrew townshend
14 November 2019 09:24 AM
From what I have heard from people that have bought shared ownership they are nearly impossible to sell on.
From:
Andrew townshend
13 November 2019 10:35 AM
Horror letting agents ? yes there have been a few of them haven't there , thankfully I have no personal experience there.
From:
Andrew townshend
12 November 2019 17:44 PM
I used to manage all mine , I'm down to 4 that I manage now, the rest (12) are all managed by a good local agent, they get me a bit more rent than I would myself, and the money is transferred into my account on the same day they receive it, just avoid those big national agents their staff are all wet behind the ears youngsters, useless.
From:
Andrew townshend
12 November 2019 11:12 AM
Women tenants from hell are far worse than the men, never stand for the sob story from a woman.
From:
Andrew townshend
12 November 2019 09:49 AM
The law of the land should be applied equally, sadly it regularly is not .
From:
Andrew townshend
10 November 2019 10:39 AM
I think John has just hit nail on head '' fear of discrimination'' that's local and central government for you.
From:
Andrew townshend
10 November 2019 09:51 AM
I hear what you are saying mate, but would not taking a lower paid job out side of London not make you better off in the long run ?
From:
Andrew townshend
08 November 2019 22:13 PM
But that's for an HMO licence isn't it, I don't have any HMOs and don't want any.
From:
Andrew townshend
08 November 2019 16:34 PM
£50 every 5 yrs, yes I would go with that, no more though, there is no need for it to be any more that that.
From:
Andrew townshend
08 November 2019 14:01 PM
Many of mine come out of auctions and have suffered structural damage / movement in the past, as such a FTB would be very unlikely to get a mortgage on them.
From:
Andrew townshend
08 November 2019 12:37 PM
Shared ownership - biggest con going.
From:
Andrew townshend
08 November 2019 12:31 PM
I find the void period useful for maintenance and upgrades, the length tends to vary depending on area, there are no shortage of tenants in Norfolk at present.
From:
Andrew townshend
08 November 2019 11:04 AM
To buy a property means hard work and giving up the expensive life style that the young of today seem to think they are '' entitled '' to, they can't have it both ways.
From:
Andrew townshend
08 November 2019 10:56 AM
Well I for one have nothing to fear and would welcome it so long as landlords were not expected to pay for it.
From:
Andrew townshend
08 November 2019 10:49 AM
Property can be bought quickly south of the boarder, I have agreed a purchase on a monday and completed on the friday before now to beat the competition, solicitors don't like it but sometimes they just have to be told .
From:
Andrew townshend
07 November 2019 15:19 PM
But is the average tenant clever enough to see this ?
From:
Andrew townshend
07 November 2019 11:00 AM
I don't have life insurance, but then other than the credit card, which is paid off in full every month, I don't have any borrowings. It never ceases to amaze me however how many people don't have property or contents insurance, It's not expensive and can even be payed monthly, I had a commercial property fire 30 yrs ago, the insurance company, General Accident (now Aviva) were brilliant, I had the go ahead within hours and a large interim payment within 7 days, it certainly pays to insure with a proper company.
From:
Andrew townshend
07 November 2019 09:28 AM
Leave the ''dross'' element to councils and housing assocs', why would we want them ?
From:
Andrew townshend
05 November 2019 17:14 PM
I have often looked at leasehold properties, but on reading the lease have always been put off.
From:
Andrew townshend
04 November 2019 09:16 AM
Purpose built student accommodation, a good idea for students, but would I invest ? that's a big fat NO to that one.
From:
Andrew townshend
01 November 2019 09:47 AM
Direct Line ? no, I would not insure with them, same company as Green Flag, steer clear of them.
From:
Andrew townshend
01 November 2019 09:41 AM
I doubt it will happen, but if it does I can see it all backfiring for the tenants
From:
Andrew townshend
30 October 2019 16:05 PM
When you have a good agent it is worth holding onto them, plenty of bad ones out there, my agent charges me 10%, I could change to one that only charges 8% but I'm not going to, penny wise and pound foolish comes to mind
From:
Andrew townshend
30 October 2019 16:01 PM
The shear arrogance, ignoring letters, plenty good enough that he was fined just should have been a lot more, these people get the good landlords a bad name which we don't deserve.
From:
Andrew townshend
30 October 2019 15:52 PM
If a tenant cannot afford a deposit then it follows that they cannot afford the rent either.
From:
Andrew townshend
30 October 2019 09:51 AM
I too would be happy to pay a fiver a month, even a tener, lets face it it's really no money to get one back at the government, shelter and generation rent.
From:
Andrew townshend
29 October 2019 09:46 AM
I don't have any borrowings and most were purchased in the 90s, so I'm sticking with it for now, but at 66 who knows what the future may hold for me.
From:
Andrew townshend
29 October 2019 09:36 AM
Good agents are worth their weight in gold, there are many that should be avoided at all costs including the big nationals where you are only a number and their staff are wet behind the ears snowflakes.
From:
Andrew townshend
29 October 2019 09:20 AM
The agent I use in Norwich pays the money into my bank account on the same day that they receive it, I would never use an agent that hangs onto it.
From:
Andrew townshend
25 October 2019 10:01 AM
It seems demand varies quite a lot around the UK , still seems strong in my area (east anglia)
From:
Andrew townshend
24 October 2019 10:49 AM
But that is their problem, not ours, they live their lives to the full today and will pay the price for that when they are old, self inflicted.
From:
Andrew townshend
23 October 2019 10:55 AM
The snowflake GR live for today, they have no interest in what tomorrow may bring, some may be lucky enough to be given a property when our generation die off, but most will fall flat on their faces in later life, their problem not mine.
From:
Andrew townshend
23 October 2019 10:47 AM
Most renters don't want the hassle of home ownership, they also have the ability of giving just 1 months notice when they need to move, I don't think any of my tenants want to be home owners.
From:
Andrew townshend
23 October 2019 09:35 AM
Totally agree, our great british courts for you, not fit for purpose
From:
Andrew townshend
19 October 2019 15:23 PM
Will never happen Robert, they are the lazy I'm entitled generation.
From:
Andrew townshend
18 October 2019 12:02 PM
I have 16 great tenants at present, we are all on first name terms and get along just fine, but don't we have to be so very careful when vetting prospective tenants, the days of taking a risk with a new tenant are long gone, no room for rotten apples now.
From:
Andrew townshend
16 October 2019 08:07 AM
Paul, why ever did you not put your name forward for PM, I would have voted for you, come to that why not a landlord party standing for common sense .
From:
Andrew townshend
14 October 2019 21:37 PM
I would not object to the idea of a national licencing scheme if it were fair and the fees were also fair, but such a scheme would never be fair and would push rents higher still.
From:
Andrew townshend
14 October 2019 10:53 AM
No fault evictions ?? Sec 21 is used to get non paying tenants out quicker and more cheaply than sec 8, that's why we use sec 21, without sec 21 we are going to be ever more selective when choosing tenants, leave the dross to councils and housing assocs where they belong.
From:
Andrew townshend
14 October 2019 09:45 AM
4 03 am, do you ever sleep Paul ?
From:
Andrew townshend
12 October 2019 11:50 AM
Not all landlords live miles away from their properties, yesterday I had a call from a tenant reporting a fault with a heater, I was round there to fix the problem in less than 1 hour, generally if I'm not round the same day I'm round the next day, don't tar all landlords with the same brush that simply isn't fair .
From:
Andrew townshend
11 October 2019 12:31 PM
I tell it as it is, if that offends then so be it, the truth hurts some out there
From:
Andrew townshend
11 October 2019 11:13 AM
Yes again it's these people getting the rest of us a bad name.
From:
Andrew townshend
11 October 2019 11:06 AM
Another one that considers himself above the law ??
From:
Andrew townshend
11 October 2019 09:33 AM
Comments removed, does the truth hurt ??
From:
Andrew townshend
11 October 2019 09:24 AM
I am one of very few LL in my area that will consider tenants with a pet, now that I'm unable to take a larger deposit I will have to charge an increased rent for a pet, so once again it's the tenant that will lose out, government really don't think these things through do they?
From:
Andrew townshend
10 October 2019 10:03 AM
She denied causing the damage, well who did cause the damage then ?
From:
Andrew townshend
10 October 2019 09:07 AM
Without sec 21, or something to replace it, we are all going to be very careful who we let into our properties, if in doubt don't rent to them, sec 8 is not fit for purpose in it's current form.
From:
Andrew townshend
10 October 2019 09:02 AM
While bring HB up to current rent levels may help the situation I for one would still not take tenants on HB.
From:
Andrew townshend
10 October 2019 08:57 AM
It isn't all over for the small landlord yet not by a long way.
From:
Andrew townshend
09 October 2019 15:53 PM
Don't worry about it, it won't happen, just hot air from labour trying to gain voters.
From:
Andrew townshend
04 October 2019 10:17 AM
Agreed, very bad bank, stay clear.
From:
Andrew townshend
03 October 2019 20:14 PM
And would you give to that charity? I certainly would not, that's where the money goes, to the fat cats at the top.
From:
Andrew townshend
02 October 2019 17:49 PM
Rents up, or just trying to cover additional landlord costs ?
From:
Andrew townshend
02 October 2019 10:21 AM
Tory, labour, lib-dem, GR and shelter all want us gone, so what happens to our properties when we sell up, maybe some tenants will be able to buy them and become owner occupiers, with the responsibility of paying the mortgage every month , and paying for the ongoing repairs and maintenance, most tenants have not got a hope in hell of ever getting a mortgage, many of our properties would not pass a mortgage survey, = big increase in people sleeping in shop door ways, we will see what the future holds.
From:
Andrew townshend
01 October 2019 21:30 PM
I also agree, I have a good independent agent that I have used in Norwich for 20 yrs now, but there are still many rouge ones out there that need closing down.
From:
Andrew townshend
30 September 2019 09:00 AM
The lose of sec 21 will certainly hit the dross element of tenants, it will be the case of '' gold plated tenants'' only need apply.
From:
Andrew townshend
30 September 2019 08:56 AM
That could be an option, up until now I have been prepared to consider pets , however now that I will not be able to hold a larger deposit it will have to be a higher rent.
From:
Andrew townshend
28 September 2019 11:21 AM
I think that is very true, they either don't want to or know that they never will, it takes commitment, hard work and going without the expensive life styles to buy property, then when they have bought there is the maintenance, something the snowflakes are incapable of.
From:
Andrew townshend
24 September 2019 14:37 PM
He's entitled to his point of view Paul as we all are
From:
Andrew townshend
23 September 2019 20:15 PM
David I disagree with Paul below, you are more than welcome to make your posts on here, we are unlikely to agree with you, but please keep them coming
From:
Andrew townshend
23 September 2019 19:28 PM
It's not a view David it is a FACT !
From:
Andrew townshend
23 September 2019 19:23 PM
David you are just so wrong, I get on well with all my tenants and they get on well with me, but stop paying the rent and things do change and very quickly
From:
Andrew townshend
23 September 2019 19:13 PM
Most tenants are good tenants, we like them and they are welcome to stay as long as they like, the problem comes when we get a bad tenant which we all do from time to time we need them gone a s a p
From:
Andrew townshend
23 September 2019 19:07 PM
But why would a landlord want to evict a good tenant who pays their rent on time and in full, sec 21 is a quicker cheaper way for us to get rid of bad non paying tenants.
From:
Andrew townshend
23 September 2019 19:02 PM
It's going to be ''if in doubt don't rent to them'' we can no longer take any risks with who we let into our properties.
From:
Andrew townshend
23 September 2019 09:38 AM
I had that one from a single mum some yrs ago, ended up both her and her child being evicted, I no longer do single mums, more trouble than they are worth.
From:
Andrew townshend
19 September 2019 17:06 PM
Money claim on line, £60 (tax deductible) money well spent, CCJ on his record for 6 yrs, then do the same again for another 6 yrs, this guy will very likely come back to this country at some point, revenge is sweet, the grand really doesn't matter.
From:
Andrew townshend
19 September 2019 09:17 AM
I'm with you Suzanne, 1, I cannot see a hard left labour getting into power 2, If they do get in I cannot see them getting this through parliament 3, If they do I'm staying and fighting
From:
Andrew townshend
18 September 2019 18:28 PM
We are going to loose sec 21 who ever wins the next GE , we now have to be even more careful who we let into our properties, there will be even more sleeping in shop door ways as a result.
From:
Andrew townshend
18 September 2019 09:21 AM
Property chains are a nightmare, the world is full of time wasters, I much prefer the auction route for property transactions, deal done no messing.
From:
Andrew townshend
17 September 2019 09:01 AM
Well we all have to do that now when buying, and knock off the auction house buyers fees to come up with a max all inclusive price we will pay.
From:
Andrew townshend
16 September 2019 10:19 AM
All depends how serious you are about selling, place it with an estate agent and you will be messed about by every dreamer in the world, put it in a good auction with a fair reserve and the deal is done when the hammer hits the table, no messing.
From:
Andrew townshend
16 September 2019 10:14 AM
I think we have all been there and experienced the single mums as tenants and watch how they milk the system, strict rule now ''NO SINGLE MUMS'' leave them to councils or housing assocs, they are just not worth the bother.
From:
Andrew townshend
16 September 2019 09:43 AM
Probably the realities of being a landlord, once you have experienced the dross of the benefit tenants attitudes soon change, I will bend over backwards for a good tenant, I spent a day and £20 last week renewing roofing felt on a tenant's shed roof, her shed not mine, nothing wrong in doing some one a good turn when it is appreciated, I treat people as they treat me.
From:
Andrew townshend
14 September 2019 09:38 AM
Paul I cannot see it happening, it's all a lot of hot air from the loony left
From:
Andrew townshend
13 September 2019 09:40 AM
Not British then, yet again, getting the rest of us that bad name
From:
Andrew townshend
13 September 2019 09:34 AM
These are just the kind of tenants I like, they pay the rent in full and on time, they look after the property and are grateful for a home.
From:
Andrew townshend
12 September 2019 09:26 AM
Generation Z , the under 25s then, would not touch them.
From:
Andrew townshend
12 September 2019 09:22 AM
I agree, and I am a member of the conservative party, mainly because I wanted Mrs May gone. However where labour are concerned it's the unions with their large block votes who decide the leaders, which is why Mr Corbyn was made leader, I don't think the average labour voter really wanted Mr Corbyn as leader, still looking on the bright side labour are 14 points behind the conservatives at present and unlikely to win a GE while Mr Corbyn is their leader.
From:
Andrew townshend
11 September 2019 15:45 PM
Russia, I know a guy that married a Russian lady , he now lives in Russia very happily with his younger bride.
From:
Andrew townshend
11 September 2019 15:02 PM
Norwich council (left wing) make me pay the full council tax from day one on an empty property, where as 10 miles away Breckland council (tory) give me the first 4 wks free.
From:
Andrew townshend
11 September 2019 14:51 PM
Place increased costs on ANY business and it will always be the end user that pays the price
From:
Andrew townshend
11 September 2019 14:45 PM
I think the reason for the drop in evictions is simply because we are now more careful who we rent to, no more taking risks on iffy tenants hense the rise in shop door way sleeping
From:
Andrew townshend
10 September 2019 09:05 AM
Why not name the tenant ?
From:
Andrew townshend
10 September 2019 08:55 AM
Shot in foot comes to mind.
From:
Andrew townshend
06 September 2019 20:51 PM
While I agree with you Paul I don't thing Mr Corbyn will get in, and if he does I don't think he will get these policies through parliament.
From:
Andrew townshend
05 September 2019 22:37 PM
I fear a labour government but am hopeful that with Mr Corbyn as leader they are un electable, just as they were in the 90s with Mr Kinnock as leader.
From:
Andrew townshend
05 September 2019 09:11 AM
I am one of very few landlords in my area that will consider a pet, up to now I have taken an extra deposit, however as I am no longer allowed to take that extra deposit I will have to either say no pets or charge an increased rent.
From:
Andrew townshend
05 September 2019 09:07 AM
I don't think Labour will get in while Mr Corbyn is leader, he could just be our saving grace.
From:
Andrew townshend
04 September 2019 11:03 AM
I wouldn't want to be a landlord in London, I don't like the place.
From:
Andrew townshend
04 September 2019 10:50 AM
No shortage of good tenants in and around Norwich, just finished renovating a 2 bed bungalow in a village 15 miles from Norwich end of Aug, new tenants moved in 2nd Sept, £675, a friend finished renovating a 2 bed terrace in Norwich on a Friday last month, new tenants moved in on the Monday, £795. both 6% + yield.
From:
Andrew townshend
04 September 2019 09:46 AM
But how many tenants would be able to find enough money for the deposit, how many would be accepted for a mortgage, how many of our properties would pass a mortgage survey, most of mine would not I bought properties at auction many having suffered structural movement. No I don't think this will happen, just a lot of hot air to get the GR vote.
From:
Andrew townshend
03 September 2019 18:27 PM
Mate my spelling and grammar is rubbish as well and do know what I don't care, it certainly has not stopped me being successful in business, I don't get upset when people take the ''P'' I just laugh at them.
From:
Andrew townshend
02 September 2019 14:19 PM
So what is stopping tenants becoming home owners, or even landlords themselves ? oh that's right the dislike of hard work, of saving money, then there is the expensive social life that of course they are '' entitled'' to, oh these snow flakes and millennials don't you just love them, still it's mugs like these that keep the money rolling into our bank accounts.
From:
Andrew townshend
01 September 2019 10:28 AM
And I expect that you really do own your properties as I do, these large landlords don't own their properties, the banks do, '' flash with on cast'' comes to mind.
From:
Andrew townshend
30 August 2019 21:23 PM
Agreed that is rubbish, take a look at council and housing assoc homes, that's where the real problems are, that burn't out tower block in London, COUNCIL owned !! don't have to say anymore do I ?
From:
Andrew townshend
30 August 2019 10:06 AM
The conservatives have not been our friends, however that's nothing to what Mr Corbyn would do to us.
From:
Andrew townshend
30 August 2019 10:00 AM
No personal experience of either of them, I've been a member of Eastern Landlords for more than 20 yrs, well worth the £70 per yr, they have been very helpful, and are always there for us.
From:
Andrew townshend
30 August 2019 09:53 AM
Will save the tenant £200, but put £35 per month on the rent, over the 6 month period, and who is the looser? these mugs are unbelievable aren't they?
From:
Andrew townshend
27 August 2019 22:06 PM
Of course rents are rising above inflation, our costs are rising above inflation, whatever the business costs are always passed onto the end user, this isn't a game, we are not charities, we are init to make a profit, and make a profit we will
From:
Andrew townshend
27 August 2019 12:52 PM
It's the so called ''vulnerable'' tenants that we don't want in our properties at any money, leave them to the council to house, not our problem.
From:
Andrew townshend
23 August 2019 19:05 PM
If they cannot afford to pay a deposit what are the chances of them paying the rent? little and none, I once had a guy that wanted to move in and pay the deposit in installments, he couldn't understand why I said no
From:
Andrew townshend
23 August 2019 10:55 AM
Only 54% in arrears, I would have thought the true figure to be much higher, NO DSS !
From:
Andrew townshend
23 August 2019 09:04 AM
Dream of stepping onto the property ladder, that's exactly what GR are, dreamers, want their expensive life styles and own a house as well, well wake up that isn't how it works.
From:
Andrew townshend
22 August 2019 09:46 AM
Really makes no difference, if I'm buying I decide how much I want to pay then take off fees and stamp duty to come to the max price that I will bid, if I were selling I would add these costs to the reserve price.
From:
Andrew townshend
22 August 2019 09:42 AM
And there are a lot of labour MPs with property portfolios, Mr Blair has a very large portfolio. Few renters are going to vote Tory what ever the Tories do for them.
From:
Andrew townshend
21 August 2019 09:54 AM
Avoid the big boys at all costs where you are just a number, the staff are all under 25, and wet behind the ears. I have an excellent letting agent here in Norwich, Spencer Ward, money paid into my account on the same day they receive it, I first used them 20 yrs ago, since then as properties have come vacant I have handed them over to them, not had a bad tenant from them yet.
From:
Andrew townshend
21 August 2019 09:48 AM
Agreed, generally it is the tenants that cause the problems to these properties , HMOs and the associated type of tenants they draw are bad news and the problems are only going to get worse, so leave these type of tenants to the local council to house, their problem, not ours.
From:
Andrew townshend
17 August 2019 10:06 AM
Yes spot on Steve, that's how proper landlords work, when a problem is reported to me if I'm not round the same day I'm always round the next day, including week ends and bank holidays, this why I keep good tenants many years.
From:
Andrew townshend
16 August 2019 20:43 PM
Yes sadly times and people change, I had a brilliant solicitor for over 30 yrs one of the boys, he spoke our language, sadly he retired a couple of yrs ago
From:
Andrew townshend
16 August 2019 17:50 PM
That would be nice to know wouldn't it.
From:
Andrew townshend
16 August 2019 17:30 PM
We are also only allowed one increase a yr south of the boarder, but we only have to give 2 months notice.
From:
Andrew townshend
16 August 2019 17:25 PM
When you instruct a solicitor then he (she) is working for you, I have agreed a purchase on a Monday and completed on the Friday before now, solicitors don't like it but you are the one calling the shots
From:
Andrew townshend
16 August 2019 17:20 PM
But will these schemes pay out in the event of a claim? somehow I think they will do their upmost to wriggle out of a claim just as cheap car and home insurers do.
From:
Andrew townshend
16 August 2019 09:26 AM
I don't understand landlords like this, if the council inspected the property, found the faults and then gave the landlord time to carry out the repairs why not carry out the repairs, or was it that Mr Khan considered himself above the law? after all he didn't even attend the court hearing, sounds like arrogance to me, the fine should have been much more, these landlords give the rest of us a bad name which good landlords do not deserve
From:
Andrew townshend
16 August 2019 09:21 AM
You are certainly right when it comes to council employees, nail on head there.
From:
Andrew townshend
15 August 2019 13:23 PM
There are good agents and there are bad, I have a good one here in Norwich, small independent and trust worthy, I haven't had a bad tenant from them yet, It's the big national letting agents where most problems come from they employ young wet behind the ears boys and girls who haven't got a clue when it comes to the real world.
From:
Andrew townshend
15 August 2019 13:17 PM
The only tenants that I have ever evicted are the non payers, why would a landlord evict a good tenant who pays their rent on time.
From:
Andrew townshend
15 August 2019 09:11 AM
This is why now more so than before it is so important to be very careful who we rent to
From:
Andrew townshend
15 August 2019 09:06 AM
But will they win votes? GR in the main will always be left wing.
From:
Andrew townshend
15 August 2019 09:03 AM
Agreed, I have a few eastern Europeans as tenants, all good as gold, it's the curry eaters I avoid like the plague.
From:
Andrew townshend
13 August 2019 17:37 PM
We don't want unemployed tenants on benefits, so why waste everyone's time, just say it as it is, NO DSS.
From:
Andrew townshend
12 August 2019 16:27 PM
I think whatever the government hands out to G R , they will still be left wing voters.
From:
Andrew townshend
12 August 2019 16:23 PM
Nice idea!
From:
Andrew townshend
09 August 2019 15:47 PM
Exactly why '' generation rent'' will never own a property unless some one gives them one.
From:
Andrew townshend
08 August 2019 17:28 PM
nor in mine.
From:
Andrew townshend
08 August 2019 17:25 PM
Our laws don't apply to them.
From:
Andrew townshend
08 August 2019 09:53 AM
While I totally agree that over crowed and unsafe rental properties are unacceptable and must be closed down the question still remains where will these '' vulnerable'' tenants go, I doubt very much that they are the type of tenants that I would even consider renting to, or any other landlord with decent properties, horses for courses ?
From:
Andrew townshend
07 August 2019 10:13 AM
I wouldn't be at all surprised, look at Mr Blair he's big into BTL and has been for a long time.
From:
Andrew townshend
06 August 2019 17:20 PM
Doesn't matter what business you are in, it will always be the end user that pays, so rents up, sorry good tenants but not our fault is it?
From:
Andrew townshend
05 August 2019 22:21 PM
No shortage of Range Rovers parked outside council houses !
From:
Andrew townshend
05 August 2019 08:55 AM
Get used to it the government don't like us, only one way forward, increase rents.
From:
Andrew townshend
02 August 2019 09:52 AM
Graduates have the letters after their names, which mean F all, what they don't have is common sense .
From:
Andrew townshend
01 August 2019 16:04 PM
The end user pays, simple.
From:
Andrew townshend
01 August 2019 09:52 AM
Depends on area Paul, I put a 2 bed bungalow in a Norfolk village to rent Thursday, showed 2 ladies around Saturday, now gone let agreed today. £675 month.
From:
Andrew townshend
31 July 2019 16:30 PM
A council tenant , good luck getting that money out of him then.
From:
Andrew townshend
30 July 2019 09:29 AM
I'm in the middle here, my properties are in Norfolk + one in Suffolk, yields of around 6%, wouldn't want one in London, don't even want to go there, good deals up north ? yes, but a long way from me.
From:
Andrew townshend
29 July 2019 21:23 PM
Spot on James, could not have put it better myself, however at the end of the day it will be the ''entitled snowflakes'' down fall.
From:
Andrew townshend
29 July 2019 21:10 PM
Have to agree, '' out of the frying pan and into the fire''
From:
Andrew townshend
27 July 2019 10:36 AM
Robert, I both agree and disagree, if a landlord is looking to sell then you are of course correct, personally I'm not selling anything, just keep taking the income, who wants a big fat lump sum, what do you do with it ? other waste it on flash cars etc.
From:
Andrew townshend
26 July 2019 16:39 PM
Vote winning from who ? generation rant ? they have always been labour voters, and Im sure they will continue to vote labour, the Conservative party will however be losing the landlord vote though, come on Boris, sort this out pdq.
From:
Andrew townshend
26 July 2019 16:29 PM
But is it out of a bottle ?
From:
Andrew townshend
25 July 2019 20:41 PM
I hope you are right Paul
From:
Andrew townshend
23 July 2019 17:48 PM
David you simply would not believe how some people live, and it's not just the low life, I've seen how some doctors and teachers live in filth, and yes the smashing up does happen in real life.
From:
Andrew townshend
23 July 2019 17:39 PM
Replace the ''so called no fault eviction'' with a quick cheap way of evicting rouge and non paying tenants, why not ?
From:
Andrew townshend
22 July 2019 09:50 AM
Can we have a rouge tenant data base ?
From:
Andrew townshend
22 July 2019 09:41 AM
Oh Shelter will object, in their eyes it is our responsibility to house these people for free !
From:
Andrew townshend
20 July 2019 10:19 AM
Yes there are a number of agents as you describe that will disappear, good agents will survive .
From:
Andrew townshend
19 July 2019 09:46 AM
Prospective tenants now have nothing to loose by applying to rents properties that they will not be accepted for, agents can look forward to an influx of time wasters trying it on.
From:
Andrew townshend
19 July 2019 09:29 AM
We cannot take any risks from now on, get the wrong tenant and we are stuffed , sorry to the DSS, single mums and the under 25s you are simply not worth the risk.
From:
Andrew townshend
19 July 2019 09:24 AM
Basically if I tell it as it is, slags breed slags, and we the hard working tax payer pay for them, blood boiling !
From:
Andrew townshend
18 July 2019 22:19 PM
I too have many Polish, Bulgarian & Lithuanian tenants , they make good tenants, but not it would seem good landlords.
From:
Andrew townshend
18 July 2019 17:49 PM
Wounder where the woman originates from ?
From:
Andrew townshend
18 July 2019 09:07 AM
Which is why we say NO DSS, why rent to some one who isn't going to pay ?
From:
Andrew townshend
18 July 2019 09:02 AM
Happy tenants = a happy landlord, I get on well with all my tenants, I have of course had a few bad ones in the past but over the yrs I have learnt to be very selective when it comes to a new tenancy and it has certainly paid off.
From:
Andrew townshend
18 July 2019 08:59 AM
My agent charges me 10%, there are some in my area charging as little as 7%, 15% is way over the top.
From:
Andrew townshend
17 July 2019 17:59 PM
I use ''a week to view diary'' and scrap paper, works just fine for me
From:
Andrew townshend
17 July 2019 17:55 PM
Most tenants don't read any of it, they blindly sign on the bottom line and move in.
From:
Andrew townshend
17 July 2019 10:14 AM
I agree, pointless selling, just keep taking the income.
From:
Andrew townshend
16 July 2019 20:11 PM
Perfectly summed up in a nut shell.
From:
Andrew townshend
16 July 2019 09:55 AM
SCAM !
From:
Andrew townshend
16 July 2019 09:48 AM
I'm not giving in, I do have an advantage though, no loans or mortgages, and retired, so I have the time to do most repairs etc myself, however aren't I going to be very careful who I rent to, I if the gut feeling isn't right, then it's NO !
From:
Andrew townshend
15 July 2019 20:23 PM
3.5 k, 5 k, what's the difference? 1.5 k don't buy you much. I have a property was a G, now improved to an F, to improve any further will cost 15 k, existing happy tenants, I've applied for an exemption.
From:
Andrew townshend
15 July 2019 20:16 PM
Simon, some do, but not many!
From:
Andrew townshend
15 July 2019 19:54 PM
Mine too.
From:
Andrew townshend
15 July 2019 19:52 PM
If Grenfell Tower had been owned by one of us private landlords we would already have been found guilty of corporate manslaughter and be serving a long prison term, funny how the law applies to some and not to others !
From:
Andrew townshend
15 July 2019 19:51 PM
I have a 25 yr old worster boiler in one of my properties, never been a moments trouble, the newer boilers seem to last 7 yrs if you are lucky.
From:
Andrew townshend
10 July 2019 20:22 PM
I've tried the insurance route, Domestic & General, complete waste of money, not fit for purpose.
From:
Andrew townshend
10 July 2019 20:17 PM
Give us a quick, cheap, easy way of evicting non payers and we won't need section 21
From:
Andrew townshend
10 July 2019 09:07 AM
I must be guilty of discrimination, no benefit claimants, no single mums, and no one under 25, why would anyone in any business risk doing business with someone who is unlikely to pay ?
From:
Andrew townshend
10 July 2019 09:02 AM
I'm of a similar generation, 66 next month, I do all the nuts and bolts of my tax return, then my accountant files it online for me, £600, + £120 tax investigation insurance cover for myself and my wife, it is what it is, what happens when i have to file a return 4 x a yr, we will have to wait and see.
From:
Andrew townshend
08 July 2019 19:35 PM
Far too sensible Paul.
From:
Andrew townshend
08 July 2019 17:47 PM
None of us like paying tax but not to pay is plane wrong, personally i put as much as possible against profits then pay the tax on time and in full, that way i can hold my head up high and i'm not constantly looking over my shoulder.
From:
Andrew townshend
08 July 2019 09:59 AM
Agreed James, but a vote winner for who ? i doubt snow flakes or generation rent would be voting Tory.
From:
Andrew townshend
06 July 2019 08:59 AM
Of course we will have to be more selective, if there is the smallest chance that a prospective tenant may turn out to be a bad tenant, or if something doesn't feel right the prospective tenant will have to be rejected, if in doubt leave them to the local council to house .
From:
Andrew townshend
05 July 2019 09:28 AM
Agreed, it's not no fault, it's the accelerated eviction process .
From:
Andrew townshend
04 July 2019 18:04 PM
Ever the optimist .
From:
Andrew townshend
03 July 2019 22:12 PM
Agreed Paul, one good property, with good tenants, is worth 4 bad properties with bad tenants, leave the bad properties and bad tenants with those landlords with funny surnames.
From:
Andrew townshend
03 July 2019 22:10 PM
In your dreams!
From:
Andrew townshend
03 July 2019 22:05 PM
Paul mate, who are you kidding '' pragmatism among councils'' ??
From:
Andrew townshend
03 July 2019 22:04 PM
I had a small back street garage business which earn't good money, I got into BTL instead of a private pension, did not trust the spivs selling them, I sold my business 11 yrs ago at age 54, today I'm a full time hands on landlord, I enjoy what I do, have no regrets, and would recommend it.
From:
Andrew townshend
03 July 2019 21:09 PM
Everything you say mate is spot on, but we all know it will never happen, central government (tory or labour) and local government are our enemies , treat them as so, then we won't be disappointed will we.
From:
Andrew townshend
03 July 2019 21:00 PM
You are not wrong Paul, but I'm not mortgaged so I do have a bit of an advantage.
From:
Andrew townshend
02 July 2019 22:06 PM
I'm totally with Jahan above, I've never taken a hand out and never will, I pay my way and am proud to do so, I hold my head up high.
From:
Andrew townshend
02 July 2019 21:49 PM
I hear what you are saying Simon but I'm staying and fighting until such time that I have no option but to get out.
From:
Andrew townshend
02 July 2019 21:41 PM
Wouldn't it be nice to pull together rather than pulling apart, problem is the self employed and the public sector workers are a mile apart, the self employed work hard to better themselves, the public sector work as little as possible awaiting their gold plated pension they are bitter and twisted with jealously of anyone that might have made something of themselves through hard work off their own backs, we will always be a mile apart, but i know which side i want to be on.
From:
Andrew townshend
02 July 2019 21:30 PM
And so has the Queen, I remember her shaking hands with that murdering scum from the IRA, what sort of country are we becoming ?
From:
Andrew townshend
02 July 2019 09:37 AM
IF they did get into power, and IF they got a big enough majority to get this through parliament, all IFS, would house prices fall enough for the snow flakes to buy a property? i doubt it, most will rent for life unless they are lucky enough to be given a property.
From:
Andrew townshend
02 July 2019 09:33 AM
So what kind of tenants will they be renting to ? Gold plated ?
From:
Andrew townshend
02 July 2019 09:09 AM
Not a chance in hell of that happening, increase rents to cover extra costs, only way.
From:
Andrew townshend
28 June 2019 09:25 AM
I agree paul, these types of guarantors are as rare as hens teeth even in good areas.
From:
Andrew townshend
26 June 2019 19:41 PM
Waste of time, the tenants always gets away with it.
From:
Andrew townshend
26 June 2019 09:57 AM
I think it's fair to say we have all been there, roll your sleeves up and clear the mess up, it's the only way, once you have had this happen a time or 2 you do get hardened to it.
From:
Andrew townshend
26 June 2019 09:55 AM
A stab wound to the chest, any deeper could have meant death, and the guy got 6 yrs, out in 3 nodoubt, justice ?
From:
Andrew townshend
25 June 2019 09:25 AM
I have never got involved with bed sits however a friend does, he visits once a week, fire doors are always wedged open, which he then closes, he clears up the rubbish and makes sure the bins are put out to be emptied, talk about having to wipe the backsides of these types of tenants.
From:
Andrew townshend
24 June 2019 16:16 PM
I have used an independent letting agent in Norwich ( Spencer Ward ) for the past 15 yrs, they have always been fair to both landlord and tenant with their charges, but never the less their charges to me will have to increase, so new tenants will be paying an increased rent, however generally my tenants tend to stay longer, avoid the big national letting agents they are the rip off merchants.
From:
Andrew townshend
24 June 2019 16:08 PM
Most tenants don't even read the tenancy agreement or know what's in it, so reading ''how to rent'' won't happen.
From:
Andrew townshend
24 June 2019 09:54 AM
I agree totally, get them into court, good on you.
From:
Andrew townshend
22 June 2019 17:20 PM
I doubt the tories will gain many votes from tenants though, generation rent would be more likely to be left wing or too lazy to vote at all.
From:
Andrew townshend
21 June 2019 08:54 AM
My daughters partner worked on a developer's building site, he fished all sorts of brand new items out of their skips, doors, bathroom and kitchen items, boxes of tiles etc, seems they over order and then skip what they don't use, i'm all for recycling and reusing .
From:
Andrew townshend
19 June 2019 10:36 AM
He has had 2 yrs to clear it, 150 miles in this day and age is not that far, there and back and cleared in a day, why did he not do it?
From:
Andrew townshend
19 June 2019 09:47 AM
Perfect arrangement, won't happen though.
From:
Andrew townshend
19 June 2019 08:22 AM
Good point, I own 17 properties, but only 1 of them is my ''home''.
From:
Andrew townshend
18 June 2019 19:54 PM
Why would we take on a tenant who is unlikely to pay his / her rent, would be pure madness wouldn't it.
From:
Andrew townshend
18 June 2019 16:51 PM
'' No fault evictions '' no, section 21 is the accelerated eviction process , in 30 yrs as a landlord the only times i have used section 21 is to evict bad non paying tenants as quickly as possible, i would say the percentage of true '' no fault evictions'' would be around 5% the rest being rouge tenant evictions.
From:
Andrew townshend
18 June 2019 16:45 PM
I could comment the obvious , but my comment would be removed, so i will keep quite.
From:
Andrew townshend
17 June 2019 21:39 PM
''Hard core tenants'' the very tenants good landlords don't want at any price.
From:
Andrew townshend
11 June 2019 08:03 AM
And if the tenant refuses, which they have every right to do so, they don't get the tenancy, easy.
From:
Andrew townshend
10 June 2019 09:10 AM
And they wounder why we hate them !
From:
Andrew townshend
07 June 2019 20:35 PM
Will these schemes pay out in the event of a claim ? I bet they will do their best to wriggle out of claims.
From:
Andrew townshend
07 June 2019 09:26 AM
I still will not being accepting UC claimants, as Darryl above says it's no good waiting until the tenant is already in arrears, it is unlikely the UC payment will cover the full rent, and these payments are payed monthly in arrears, no good to me.
From:
Andrew townshend
07 June 2019 09:21 AM
'' Clearly designed to shift the cost to landlords '' ? then who ever designed it didn't design it very well did they ? as always it will be the end user that pays .
From:
Andrew townshend
06 June 2019 09:37 AM
Once again Paul I agree, makes total sense, and that's why it is unlikely to happen, governments and sense don't go together.
From:
Andrew townshend
05 June 2019 09:35 AM
I agree Paul, a much fairer method, but that's what the ''poll tax'' was, and wasn't there a fuss about that one.
From:
Andrew townshend
05 June 2019 09:25 AM
Landlords that have over borrowed may have to unload some properties, but there will be many out there with cash in their pockets happy to be buying them
From:
Andrew townshend
05 June 2019 09:14 AM
So these fees just disappear do they? they won't be included in the increased rent then? There's a mug born every minute!
From:
Andrew townshend
05 June 2019 09:10 AM
4 in 10 ? don't believe that, 1 in 10 possibly.
From:
Andrew townshend
05 June 2019 09:06 AM
We are free to pay the council tax ourselves now and include it in the rent, so surely that's exactly what will happen if this new system comes in, atleast the council tax will be paid over to the councils before the tenant does a runner owing a years worth of council tax.
From:
Andrew townshend
05 June 2019 09:02 AM
Agree totally, I have many very good long term tenants, I don't want to evict them, why would I ? However I now have to be very careful where new tenants are concerned, A total ban on DSS, under 25s, and single mums, also the old gut feeling, if they don't seem right then no tenancy, I am quite lucky, no shortage of good tenants in East Anglia, just avoid Gt Yarmouth like the plague
From:
Andrew townshend
04 June 2019 10:32 AM
I never renew tenancies, we are able to increase rents once every 12 months without a new tenancy agreement, so I see no reason why rent couldn't be reduced the same way if necessary
From:
Andrew townshend
03 June 2019 18:05 PM
No rent controls as yet, will worry about them if or when they happen.
From:
Andrew townshend
01 June 2019 17:38 PM
Red Ken, i like him, he makes me laugh .
From:
Andrew townshend
31 May 2019 21:26 PM
None of my properties require a licence, at present, i have nothing to hide, and have nothing against licencing other than the cost, which of course will be passed onto the tenant by means of increased rent, governments can hit us landlords all they like, it's the tenants that will be paying.
From:
Andrew townshend
31 May 2019 21:23 PM
Some with large borrowings may have to sell, but for those of us that own our properties the out look is good, reduced competition, more tenants for less properties and higher rents, i'm not selling, i might even be buying.
From:
Andrew townshend
31 May 2019 21:16 PM
I cannot see the problem here, the extra costs incurred by the landlord will simply be factored into an increase in rent, the reduced deposit can be got over by insisting on a suitable guarantor, problems solved.
From:
Andrew townshend
31 May 2019 21:09 PM
And most of those white transits come from the local dids caravan sites, but then the dids are above the law, untouchable, wrong isn't it.
From:
Andrew townshend
31 May 2019 09:05 AM
Well Paul your comment goes on a bit , as normal, but is certainly spot on, sums up the ever increasing army of scroungers that governments seem to encourage and we have to pay for.
From:
Andrew townshend
31 May 2019 07:53 AM
Spot on, agree totally.
From:
Andrew townshend
28 May 2019 09:27 AM
Retirees generally make exultant tenants, the only tenants I have ever evicted are the non payers everyone else is welcome to stay as long as they like.
From:
Andrew townshend
26 May 2019 21:18 PM
Is this the way BTL will be heading in England ? yes please bring it on.
From:
Andrew townshend
24 May 2019 21:06 PM
Not for me thank you, i buy and own out right my investments, sounds old fashioned ? well it's always worked for me.
From:
Andrew townshend
24 May 2019 21:02 PM
It's a lovely thought Paul but we all know it won't happen
From:
Andrew townshend
23 May 2019 16:55 PM
We won't touch tenants on benefits because we know in 99% of cases there will be problems getting the rent paid, leave these people to the local council to house.
From:
Andrew townshend
21 May 2019 17:31 PM
No shortage of good tenants in my neck of the woods at present, however i do take your point as this may not always be the case.
From:
Andrew townshend
20 May 2019 19:33 PM
Agreed, we will have to be very careful who we rent to in future
From:
Andrew townshend
20 May 2019 17:07 PM
I have several middle aged and older tenants I much prefer them, stay longer, pay their way, keep the gardens nice, you can keep the youngsters, and the young single mums with chips on their shoulders, more trouble than they are worth.
From:
Andrew townshend
17 May 2019 09:41 AM
Oh it's April fools day all over again, don't believe a word of it, an MPs pledge ? worthless !!
From:
Andrew townshend
14 May 2019 09:05 AM
Steve you are spot on right council and housing officer responsible + building control, if you or i were the freeholder we would already be in prison, stinks doesn't it ?
From:
Andrew townshend
10 May 2019 22:12 PM
Local council building control must have approved this cladding and signed it off once completed, maybe they should be paying ??
From:
Andrew townshend
10 May 2019 17:07 PM
Agreed, they employ losers because they are the only people they can get, and the losers work for councils because they are the only jobs they can get, so they get on well together, we just have to fight them at every move.
From:
Andrew townshend
09 May 2019 19:19 PM
Is it worth getting involved with HMOs seems to me they are more trouble than they are worth, and attract the wrong sort of tenants.
From:
Andrew townshend
09 May 2019 09:41 AM
I live in norfolk, all but one of my properties are in norfolk, but not great yarmouth, the place is a hell hole, properties are cheap there but the only tenants you will get are the ones you really don't want, the DSS capital of east anglia !
From:
Andrew townshend
08 May 2019 16:45 PM
I have no problem finding good tenants in norfolk.
From:
Andrew townshend
08 May 2019 16:36 PM
But will generation rent vote tory? very unlikely, mostly i would say vote either greens or labour
From:
Andrew townshend
08 May 2019 16:30 PM
Membership of a landlord assoc is worthwhile even if you only have 1 let property, i'm a member of eastern landlords assoc £70 per year (tax deductible) and worth every penny, they keep us upto date on everything and only a phone call away for advice.
From:
Andrew townshend
04 May 2019 17:33 PM
I rather agree with john on this one, they know full well that they are breaking the law, and they understand english when it suits them to do so.
From:
Andrew townshend
04 May 2019 16:00 PM
Yes but this is england respect our laws and ways as we do when we visit their countries.
From:
Andrew townshend
04 May 2019 12:38 PM
What happens when all us baby boomers are gone and the snowflakes take over the world, could be the end.
From:
Andrew townshend
03 May 2019 20:54 PM
Generation rent will always vote labour.
From:
Andrew townshend
03 May 2019 17:13 PM
Paul i have not bought into that lie at all, there are properties available for them, but while they don't save and spend their wages like water they are never going to own a property, it's self inflicted .
From:
Andrew townshend
03 May 2019 11:06 AM
Very few young people will ever own their own home, unless they are lucky enough to be left one in a will, low wages, zero hours contracts, and of course their excessive life styles of have today pay later attitude rules most of them out of home ownership.
From:
Andrew townshend
03 May 2019 10:39 AM
Scotland, not for me thanks, i'll stick to norfolk / suffolk where i'm never more than 30 miles away from my properties.
From:
Andrew townshend
02 May 2019 21:12 PM
Yes John, that's good, it's these people that are getting the rest of us a bad name we are all being tared by the same brush, I'm a nice guy, as i'm sure you are, i get on well with my tenants and attend to issues swiftly, often the same day.
From:
Andrew townshend
02 May 2019 13:25 PM
FROM THE CZECH REPUBLIC !
From:
Andrew townshend
02 May 2019 09:19 AM
NATIONALITY !! YET AGAIN
From:
Andrew townshend
01 May 2019 11:24 AM
For the life of me i don't understand why anyone would buy a leasehold house.
From:
Andrew townshend
30 April 2019 20:00 PM
Yes Paul is spot on honest there, please or offend that's the way it is.
From:
Andrew townshend
30 April 2019 09:33 AM
Done correctly BTL is still a good business to be in, 3% extra stamp duty = 3% reduction in price offered, property isn't selling at the moment and sold prices are on the way down, despite all the spiv estate agents desperately trying to talk the market up, as the saying goes '' if their mouths are moving they are lying ''
From:
Andrew townshend
30 April 2019 09:28 AM
David, we rarely evict tenants for no reason, why would we? the reason we use section 21 over section 8 is that section 21 is quicker and cheaper when we need to evict a non paying tenant.
From:
Andrew townshend
30 April 2019 09:17 AM
We have all been there, we learn by our mistakes .
From:
Andrew townshend
29 April 2019 16:28 PM
I can't see this happening, I will still be saying NO DSS leave then to the local council to home
From:
Andrew townshend
25 April 2019 09:30 AM
At present none of my properties require a licence, however it's only a matter of time before we will all need licences, i don't have a problem with that, however the cost will ofcourse be passed onto the tenants.
From:
Andrew townshend
24 April 2019 09:24 AM
Food deliveries, take aways, that's because millennials either cannot cook or are too bone idle to cook a meal.
From:
Andrew townshend
24 April 2019 09:18 AM
I don't mind them switching suppliers, i just wish they would tell me though when they do.
From:
Andrew townshend
24 April 2019 09:14 AM
And this also applies to knife crime, but that's another subject.
From:
Andrew townshend
23 April 2019 14:48 PM
And again, not british!!
From:
Andrew townshend
23 April 2019 14:26 PM
And the remaining 5 - 10 % were ended because the tenant didn't pay the rent.
From:
Andrew townshend
23 April 2019 14:22 PM
Oh worse is to come, and when labour get in much much worse, but will this make things better for the tenant? no, tenants will suffer also.
From:
Andrew townshend
18 April 2019 10:18 AM
My tenants generally stay a long time, good tenants i look after, their rents will not increase by much, but new tenants will be paying more so as to reimburse me my increase in costs, this how any business works, increased overheads = increased cost to the end user.
From:
Andrew townshend
18 April 2019 10:10 AM
No I will stick where I am, I'm 65 drawing my pension, i'm mortgage free and split my income with my wife, keeps us both just below 40% tax, I do my own repairs, clean ups and repaints, works for me, if it ain't broke don't mend it, you can't teach an old dog new tricks .
From:
Andrew townshend
16 April 2019 21:51 PM
Governments, whether local or central are corrupt, always have been, always will be, something we all have to live with, but it does leave a nasty taste.
From:
Andrew townshend
16 April 2019 09:38 AM
Agreed, i also think anyone wanting to live in London must be nuts.
From:
Andrew townshend
16 April 2019 09:23 AM
No real surprise here, if this government didn't do it labour would when they get in at the next G E , only real thing we can do is not to rent to anyone under 25, on benefits or single mums, leave these problem areas to the local council to home.
From:
Andrew townshend
16 April 2019 09:20 AM
I'm not surprised by this, we will be forced to use section 8, which will take longer and be more expensive, however when a tenant is evicted with a sec 21 there is no record, with a sec 8 there will be a record to say they were evicted for rent arrears, they will then find it very difficult to find a landlord to take then on, so shot in foot comes to mind.
From:
Andrew townshend
15 April 2019 09:54 AM
Can we have a cap on council charges for licences, plumbers and solicitors hourly rates, court fees, etc, whats good for one is good enough for the rest of us
From:
Andrew townshend
12 April 2019 08:59 AM
i have several family eastern eu tenants who i find to be good clean hard working and reliable , better than many british tenants I've had over the years. I won't touch Indian tenants though.
From:
Andrew townshend
09 April 2019 15:28 PM
Two very british sounding names, that makes a change ! however by the sound of things both are rouges who got what they justly deserve . The general public like to think that all landlords are rouges, but just like car dealers most of us are not rouges, it's the few that get the rest a bad reputation .
From:
Andrew townshend
05 April 2019 09:59 AM
Irrelevant as to what the business is, increased overheads are always passed onto the end user.
From:
Andrew townshend
04 April 2019 11:12 AM
Landlords getting richer ? no just trying to cover our extra costs, it's the tenants that are being hit by the government.
From:
Andrew townshend
04 April 2019 09:14 AM
British ?? of course not, these people getting us a bad name yet again, am i being racist? no just telling as it is i e the truth
From:
Andrew townshend
04 April 2019 09:11 AM
Why do a lot of people now lease their cars, they get a new car which they would not otherwise have been able to afford, if it breaks down they phone the leasing company and get a free hire car, and the leasing company pays for the repair as well, then at the end of the lease they get another new car, same goes for their home, so i can see why more people will choose to rent in future, home ownership is dying as the younger generation now tend to rent everything.
From:
Andrew townshend
03 April 2019 09:40 AM
The extra agency fees don't bother me, what ever extra it costs me will be divided by 6 and added to the rent, if after 6 month the new tenants are behaving themselves i could then reduce the rent.
From:
Andrew townshend
03 April 2019 09:28 AM
Band C by 2030, few of my properties will reach that, but i will be 77 by then, so will i really be bothered, if i'm still here i expect i will put them all in auction and spend the money before i die.
From:
Andrew townshend
03 April 2019 09:20 AM
I don't include bills, and other than a cooker i don't furnish , also i don't rent to anyone under 25.
From:
Andrew townshend
02 April 2019 21:35 PM
I'm a Norfolk boy, so don't do London at any money, don't even go there if i can help it, I expect we will be in for a hard time if labour get in, just have to suck it and see.
From:
Andrew townshend
02 April 2019 16:15 PM
Very true loyalty is a 2 way street i have several very good long term tenants who i value greatly.
From:
Andrew townshend
02 April 2019 16:10 PM
All new tenants after 1st june will be paying an increased rent to cover the short fall on deposits held and agents fees charged to landlords, every time they hit the landlord it's the tenant that comes off worst.
From:
Andrew townshend
02 April 2019 15:56 PM
Yet another one of those landlords with funny names getting the rest of us a bad name, how long before this comment is removed ?
From:
Andrew townshend
02 April 2019 15:47 PM
And that applies to cars as well.
From:
Andrew townshend
02 April 2019 09:45 AM
Agreed we press on, pass increased costs onto the tenants, governments, tory or labour aren't going to beat me without a fight.
From:
Andrew townshend
31 March 2019 20:40 PM
So some who are operating with too much debt may sell, but who will be buying , first time buyers, or landlords with cash in their pockets ? I suspect the latter .
From:
Andrew townshend
28 March 2019 09:38 AM
Agreed, one thing us landlords are very good at, learning from past mistakes !
From:
Andrew townshend
27 March 2019 12:45 PM
Wounder if they will rent to the DSS ?
From:
Andrew townshend
27 March 2019 09:04 AM
All Mr Osborne has achieved is increased rents and more sleeping in shop doorways, clever man.
From:
Andrew townshend
27 March 2019 09:01 AM
I have never bought leasehold, tempted a couple of times until I read the lease terms.
From:
Andrew townshend
26 March 2019 17:21 PM
The '' top tips'' are all the things tenants need to be doing, you can lead a horse to water, you cannot make it drink.
From:
Andrew townshend
25 March 2019 08:56 AM
I fully expect section 21 will be outlawed before too much longer, a way around it might be to double the rent, wait for the tenants to either get into arrears or leave, there is normally a way
From:
Andrew townshend
23 March 2019 08:08 AM
But why aren't the miners in work ? because a union leader and his ignorant members thought they could bring down Mrs Thatcher's government, oh Lady T where you today when we need you the most.
From:
Andrew townshend
22 March 2019 14:22 PM
Few yrs ago i went biomass at home, at the end of my 7yrs RHI it will be payed for with a healthy profit, at which point i will take it out, waste of time.
From:
Andrew townshend
22 March 2019 12:21 PM
So what do we need in order to conciser renting to benefit claimants ? HB paid direct, no claw back, and a quick cheap method of evicting non paying tenants, isn't going to happen is it, so it's still NO DSS even if it doesn't say that in the ad.
From:
Andrew townshend
22 March 2019 09:57 AM
I have 2 properties with 25 yr old boilers still going strong, last month i had to replace a 7 yr old boiler, not built to last now.
From:
Andrew townshend
22 March 2019 09:48 AM
So landlords with a nationwide mortgage will suddenly be open to benefit claimants ? little chance of that i think.
From:
Andrew townshend
21 March 2019 09:47 AM
Rents rising, it's not landlords getting richer, it's landlords covering extra costs, just wait until the letting fees ban hits home, you've not seen anything yet.
From:
Andrew townshend
21 March 2019 09:42 AM
Section 21, the no fault eviction ? no the accelerated eviction process, which is why we use it over section 8 because when we have a none payer we want them P D Q .
From:
Andrew townshend
20 March 2019 14:36 PM
I have a detached house built around 1880 solid brick walls, i used to let it to art students, every winter were they moaning about damp, for the last 5 yrs it has been let to a lady in her 50s, rough around the edges, and certainly the sort of lady you would want to argue with, now when ever i walk or drive past in the day time, which i do regularly' the upstairs windows are open, guess what ? NO DAMP OR MOLD ISSUES FOR THE PAST 5 YRS !
From:
Andrew townshend
20 March 2019 14:28 PM
Yes, well said Paul, if the truth hurts then so be it !
From:
Andrew townshend
20 March 2019 14:12 PM
As you very rightly say returns vary as to how the landlord operates his business, I bought many properties in the early 90s for peanuts, no mortgages, and today I do most of the maintenance jobs myself, so my returns are strong, however for the arm chair landlord with big debt the returns are not so good, and are likely to get worse.
From:
Andrew townshend
20 March 2019 10:22 AM
There isn't a council, or councilor, in the land that you can trust, we all know that, so we have no choose but to pay up and pass the cost onto the poor old tenant yet again.
From:
Andrew townshend
20 March 2019 10:11 AM
On occasions I have looked at leasehold properties, but on reading the lease have always been put off, when I buy something I own it, so it's freehold for me every time.
From:
Andrew townshend
19 March 2019 09:14 AM
As landlords we need good tenants who we can trust to pay the rent, therefore when it comes to our properties we choose the tenants, from past experience we know the ones we don't want leave them to the local council to home
From:
Andrew townshend
19 March 2019 09:03 AM
NW landlord, it's not luck at all, it can be done !
From:
Andrew townshend
18 March 2019 17:29 PM
I've always bought for cash, best way, no mortgage to pay so the income rolls up quicker ready to buy the next one for cash, cash is king as they say.
From:
Andrew townshend
18 March 2019 16:13 PM
I hope his prison cell is up to scratch .
From:
Andrew townshend
18 March 2019 15:59 PM
I also tend to agree with the Wilsons, single mums are more trouble than they are worth, constant curry eaters and the filth they leave behind are banned, those on benefits because we all know the problems we are going to have getting the rent paid, we operate a business in order to make a profit, leave these sorts to the local council, their problem, not mine.
From:
Andrew townshend
18 March 2019 15:53 PM
Not when you buy and sell through auction, certainly my preferred way, too many dreamers and time wasters out there.
From:
Andrew townshend
16 March 2019 11:16 AM
'' preference to warmth and food'' ? alcohol, fags and drugs more like. Paying the housing benefit direct to landlords is not the total answer, 1) because of claw back, 2) because HB is not enough to cover the rent, 3) because it is paid in arrears, and 4) because payment is often stopped without warning or notice to the landlord, sorry but most of us will still be saying no to DSS, leave these people to the council to home, landlords do not operate as a charity to drop outs .
From:
Andrew townshend
16 March 2019 11:12 AM
Do we need this ? if tenants pay their rent on time and respect the property, landlords carry out repairs swiftly, we all live happily ever after.
From:
Andrew townshend
15 March 2019 09:24 AM
Not a problem, still won't take them.
From:
Andrew townshend
15 March 2019 09:16 AM
It's more to do with the irresponsible pet owning tenant than the pet it's self.
From:
Andrew townshend
15 March 2019 09:14 AM
Face facts, he isn't going to give us anything, so the only people we can go after are the tenants, and the tenants need to be told exactly why they are having to pay more.
From:
Andrew townshend
13 March 2019 08:47 AM
oh i see my comment has been removed, raciest ? or just telling it as it is ? ie the truth hurts some
From:
Andrew townshend
12 March 2019 16:53 PM
No 10 Norwich, well I can tell you that a large number of these empty homes are owned by Norwich city council, many of which remain empty for 3 yrs +
From:
Andrew townshend
12 March 2019 09:03 AM
In one hand and out the other, £ in will have to increase = poor tenants, we have a clever government don't we ?
From:
Andrew townshend
12 March 2019 08:56 AM
So landlords will sell properties and F T B will be buying them ? in your dreams sir. The '' I'm entitled'' generation are too busy spending every penny they earn on flash cars, nights out, holidays and generally living the life of Reilly.
From:
Andrew townshend
11 March 2019 15:46 PM
She will struggle to rent another property now.
From:
Andrew townshend
11 March 2019 09:22 AM
Owned by a footballer says it all.
From:
Andrew townshend
11 March 2019 09:18 AM
There's a very good reason for this, the extra costs being placed on landlords, it always was going to be paid for by the tenant, business costs increase the end user pays.
From:
Andrew townshend
11 March 2019 09:15 AM
So is Mr Corbyn going to give us a way to evict non paying tenants quickly and cheaply ? no didn't think so.
From:
Andrew townshend
11 March 2019 09:09 AM
Seems you are very unlucky in your area, here in east anglia we have a strong demand for rental properties, I am one of very few landlords around here that will consider pets which might give me an edge, but what will happen when I am no longer allowed to hold an extra deposit ? maybe I shall have to ask for an increased rent from tenants with a pet.
From:
Andrew townshend
08 March 2019 11:52 AM
Off road parking where possible, a garden and pets considered yes, furnished and bills included, no.
From:
Andrew townshend
08 March 2019 10:10 AM
Personally I wouldn't be interested in short lets, most of my tenants stay a long time, I look after good tenants , a void can be use full for works to be carried out, but my void periods are normally less than a month.
From:
Andrew townshend
08 March 2019 10:06 AM
Only half the story, bad landlord, bad house, yes fully agree, but what sort of tenants were they? were they the sort of tenants a good landlord with a good property would welcome ?? i somehow doubt that very much.
From:
Andrew townshend
08 March 2019 09:55 AM
They're having a laugh, pay the deposit (max 5 wk rent) and the first months rent, THEN WHAT HAPPENS ?? do they really thing us landlords are that stupid ?
From:
Andrew townshend
08 March 2019 09:49 AM
Paul, i like your term '' lefty councils'' but aren't all councils '' lefty'' in the way they work, my local council, Breckland in Norfolk, are strongly Tory controlled, but the way they work can only be described as lefty, councilors and council employees are very anti the self employed and private owned business, they don't like us because we succeed and most of them are life's failures stuck in dull boring jobs.
From:
Andrew townshend
07 March 2019 21:48 PM
Just covering our extra costs, doesn't matter what the business it's always the end user that pays, government just too thick to see this !
From:
Andrew townshend
07 March 2019 09:14 AM
Biomass ? don't, I fitted one in my home 3 yrs ago, troublesome and the price of pellets have gone through the roof, once my RHI payments end, in around 4 yrs I shall be taking it out.
From:
Andrew townshend
06 March 2019 09:29 AM
London ! don't want to go anywhere near the place.
From:
Andrew townshend
06 March 2019 09:22 AM
Will they be taking the DSS in their brand new homes ??
From:
Andrew townshend
05 March 2019 09:22 AM
O K so we cannot say NO DSS , still won't rent to them, why would I when I know I'm going to have problems getting the rent paid ?
From:
Andrew townshend
05 March 2019 09:17 AM
Of course the bubble has burst, property has been over valued for sometime now, we are well overdue a correction in values, this will only hurt those having to sell, it will be good news for the rest of us.
From:
Andrew townshend
04 March 2019 09:54 AM
I rent to some immigrant families and find them to be exultant tenants and good people, I do however draw the line at Indians though based past experiences, my properties my chose of tenant.
From:
Andrew townshend
04 March 2019 09:48 AM
The '' most vulnerable in society '' are also the riskiest tenants so are best left to councils and housing associations , a private landlord runs a business, not a charity .
From:
Andrew townshend
04 March 2019 09:39 AM
one rule for us, another for them
From:
Andrew townshend
01 March 2019 13:14 PM
The last sentence, '' at the start of each new tenancy'' then the tenant disables the smoke alarm because every time he burns the toast does the alarm go off, '' you can lead a horse to water, you cannot make it drink '' !
From:
Andrew townshend
01 March 2019 09:59 AM
Councils have a problem here, in the main it is the rogue landlords that house the rogue tenants, the council should put closing orders on sub standard accommodation, however if they do so they make the tenants homeless, good landlords with good properties aren't going to take on these rogue tenants so the problem comes to rest with the council, therefore councils are reluctant to take action.
From:
Andrew townshend
01 March 2019 09:51 AM
Push business overheads up and it will be the end user that pays in the end.
From:
Andrew townshend
26 February 2019 15:00 PM
I'm a member of eastern landlords assoc, they keep us up to date, and are always there to help.
From:
Andrew townshend
25 February 2019 09:10 AM
Cash is king, few yrs ago I purchased a house from Barrett that they had taken in part x, I bypassed the estate agents and made a cash offer 20% below the asking price by email direct to Barrett, and completed 2 wks later, bid low they can only say no, and sometimes they say yes.
From:
Andrew townshend
25 February 2019 09:02 AM
Wouldn't be for me, thanks all the same.
From:
Andrew townshend
22 February 2019 15:40 PM
In the 70s and 80s I had all the suited and booted spivs after me trying to sell me pensions, they promised some amazing returns, too good to be true, getting into BTL was my pension, it allowed me to give up the day job 11 yrs ago (aged 54) , I'm so glad I never got into pensions.
From:
Andrew townshend
22 February 2019 15:36 PM
I am all for getting rid of rouge landlords and sub standard homes, but there is a flip side, what will become of the rouge tenants ? I won't house them nor will any other landlord with decent homes so it will be up to councils and housing assocs or shop door ways.
From:
Andrew townshend
20 February 2019 09:43 AM
Cheaper property = higher yields, buy with the long term view and long term income.
From:
Andrew townshend
19 February 2019 09:13 AM
I rented to a house to art students 25 yrs ago, heating not used (too expensive) windows tightly closed, wet clothes every where, result, damp and mold, oh but they had the cash to go out drinking, partying and smoking, I leave students to others now.
From:
Andrew townshend
19 February 2019 09:05 AM
Black bin bags piled high by the back door, tenant too bone idle to put them around the front on bin day, but hey ho my fault he had rats, yep been there, got the tee shirt. these days I regularly check my properties for rubbish build up, some people need their back sides wiped for them, but that's why they are tenants and not home owners.
From:
Andrew townshend
18 February 2019 09:33 AM
OH I don't know I think they would come after you and I just the same if we ran our business that way.
From:
Andrew townshend
15 February 2019 11:14 AM
Nicely put Paul, and spot on.
From:
Andrew townshend
15 February 2019 11:07 AM
I like your comment Paul, summed that sort of tenant up perfectly, just the sort we don't want at any money, leave them to the local council or a housing assoc.
From:
Andrew townshend
15 February 2019 11:03 AM
I bought property instead of a private pension, for me it's the income not the capital gain as i have no wish to sell anything.
From:
Andrew townshend
14 February 2019 10:34 AM
Landlords that have borrowed too much will likely sell some off to reduce borrowings. Too many people out there seem to think all landlords are mortgaged up to the eye balls, this is not the case many of us own our properties with no borrowings which puts in a much stronger position. Rents will increase to cover our overheads, but it will not happen over night it is likely to happen over the next couple of years as new tenants move in.
From:
Andrew townshend
14 February 2019 10:20 AM
Why no mention of the director / owner ? hiding behind a company name again, Mr James Andrew Deus age 55, easy to find on companies house web site, name and shame these rouge landlords for the sake of the rest of us.
From:
Andrew townshend
12 February 2019 10:20 AM
I like most of us started from the bottom, I bought my first house for £5k, myself and my girlfriend (now wife) spent a year of weekends there covered in brick dust renovating, friends ?? would visit on a sunday afternoon after the pub and have a good laugh at us, who had the last laugh? would the present GR consider doing the same to get on the home ownership ladder? not on your life.
From:
Andrew townshend
11 February 2019 11:01 AM
Agreed, rogue landlords give the rest of us a bad name, however rogue landlords tend to house the rogue tenants we don't want. I would also point out there are many very sub standard council owned houses and flats, try getting councils to carry out repairs to their properties, they don't want to know.
From:
Andrew townshend
11 February 2019 10:49 AM
I thought that, but I don't pay too much regard to these articles and the so called '' experts ''
From:
Andrew townshend
11 February 2019 10:41 AM
'' the ceepool that London has become'' I would agree there totally, i wouldn't even visit the place on a day out, far less own property there.
From:
Andrew townshend
10 February 2019 09:23 AM
Easy answer, don't rent to claimants, leave them to the local council to home.
From:
Andrew townshend
08 February 2019 09:24 AM
I do all my accounts myself, it's not rocket science, then send them off to my accountant who checks them and submits them to H M R C, normally all done and agreed by july each year.
From:
Andrew townshend
08 February 2019 09:17 AM
Section 21 is not the no fault eviction, it's used because section 8 is not fit for purpose, section 21 gets non paying tenants out quicker, is easier and cheaper, get them out then go for the money claim online to give them a ccj on their records.
From:
Andrew townshend
05 February 2019 09:53 AM
Leave housing benefit claimants to the local council to home , their problem, not mine.
From:
Andrew townshend
04 February 2019 16:54 PM
Sounds like you have a large portfolio with large over heads, I have 16 properties all bought and paid for with the income split with my wife which keeps us both just below the 40% tax threshold so i guess i can be a bit laid back.
From:
Andrew townshend
01 February 2019 13:03 PM
I have many long term tenants some of which are still paying the same rent they were when they moved in, I value good tenants, i generally increase rents on changes of tenants.
From:
Andrew townshend
01 February 2019 11:32 AM
I'm one of very few landlords in my area that will consider pets, I do ask for an extra deposit which once the cap comes in I won't be able to, so it looks like I will now be saying no pets.
From:
Andrew townshend
01 February 2019 09:17 AM
A cap on fees would have made more sense, the extra costs incurred by landlords will filter through to increased rents, so there will be no winners here .
From:
Andrew townshend
31 January 2019 10:36 AM
My existing tenants will be safe as i don't renew tenancy agreements, i roll them over, so no costs there. however i will push up rents for new tenants to cover costs, as you would in any business.
From:
Andrew townshend
29 January 2019 09:14 AM
For the life of me i cannot understand why people leave their tax return to the last moment, i start doing mine in April and it is submitted and agreed by July at the latest, job done.
From:
Andrew townshend
29 January 2019 09:05 AM
I have some retired tenants, they are great, they look after the garden, paint and decorate and generally look after their home. it's good from their point of view as well, capital released so they can enjoy their retirement and no worries of the state taking their property when they have to go into a home, I think it's an expanding market.
From:
Andrew townshend
28 January 2019 09:38 AM
I agree totally, however their is something we can all do to mark the bad tenants, when a tenant leaves owing rent and/or damage issue a money claim online, £60 last time i did it and worth every penny, doubtful you will get any money back but the tenant will earn themselves a ccj which will show up on their credit file for 6 yrs, I have found that satisfying.
From:
Andrew townshend
25 January 2019 10:02 AM
comes down to supply and demand, there's strong demand in my area so tenants will have to pay a bit extra or be left out in the cold.
From:
Andrew townshend
24 January 2019 15:33 PM
there aren't falling in my area.
From:
Andrew townshend
24 January 2019 09:49 AM
Scrap section 21 evictions, he really should think this one through first, it's called the '' no fault eviction'' but how often is that true? most of us use it to get non paying tenants out, simply because it's easier , quicker and cheaper than section 8, it's also beneficial to the tenant, no record of it on their credit history, where as section 8 is a ccj, how many landlords are going to offer a tenancy to some one with a ccj ?
From:
Andrew townshend
24 January 2019 09:44 AM
I don't have any properties in licence areas and i don't get involved with HMOs, so i have no experience here, however as others have said i would welcome nationwide licencing just so long as the fees were fair, max £100 for 5yr term.
From:
Andrew townshend
23 January 2019 14:05 PM
Council tenants bought their council homes at a discount then re mortgaged up to market value, spent the ''free'' money on flash cars, went bankrupt, reprocessed ex council homes in the auction room for landlords to buy, many people simply have no sense when it comes to money management, that's the way it is.
From:
Andrew townshend
23 January 2019 09:17 AM
leaving the EU doesn't worry me, sure we will survive very nicely.
From:
Andrew townshend
22 January 2019 16:32 PM
Property is over valued at present, prices are dropping, this time next year i expect there will be deals to be had in the auction rooms
From:
Andrew townshend
18 January 2019 08:53 AM
I've never bought leasehold, when i buy something i own it, that goes for property, cars and every thing else.
From:
Andrew townshend
18 January 2019 08:49 AM
Well that about sums it up, at the end of the day it will be the tenants that suffer and local councils will have a big increase of homeless people on their patch, these uni educated politicians and civil servants are as thick as sssss--t
From:
Andrew townshend
16 January 2019 19:49 PM
There are a growing number of people who now rent not because they cannot afford to buy but because they don't want the hassle of of home ownership, a 40 yr mortgagee around their necks, or the problems of buying and selling every time they move.
From:
Andrew townshend
16 January 2019 09:29 AM
Licencing to push up standards, fine, but what about cost, this will in the long run be passed onto the tenant again, increased rents and increase in people sleeping in shop door ways, these people in government and councils just don't have a working brain do they?
From:
Andrew townshend
16 January 2019 09:12 AM
But who is going to pay? these fees aren't going to go away, to start with us the landlords, but the extra cost will soon be passed back to the tenant by means of increased rent, and lets face it there is no shortage of tenants out there looking for a home.
From:
Andrew townshend
16 January 2019 09:05 AM
Will the insurance pay out in the event of a claim? we all know how insurance companies like to wriggle out of a claim on a technicality.
From:
Andrew townshend
15 January 2019 11:16 AM
This boils down to the old joke, ''the council worker leaning on his shovel '', council employees look to do the least amount of work for the most pay, hence the job not getting done.
From:
Andrew townshend
15 January 2019 10:02 AM
The properties will still be there, but he's evicting all the tenants.
From:
Andrew townshend
15 January 2019 09:43 AM
Yes councils and government do not like us landlords, but aren't they shooting themselves in the foot, all these homeless families will be the council's problem.
From:
Andrew townshend
15 January 2019 09:18 AM
Rents will increase mainly due to extra costs and red tape placed on landlords, however i do think house prices will drop but that's only a problem to those that have to sell and have borrowed too much.
From:
Andrew townshend
14 January 2019 09:14 AM
A welcome move in the right direction at last, however there is still the difference between the housing benefit payment and the market rent, so i will still be saying no dss.
From:
Andrew townshend
14 January 2019 09:07 AM
Why would you rent to a single mum with 9 kids? come on you know you aren't going to get the rent paid, leave these sorts to the council, their problem.
From:
Andrew townshend
14 January 2019 09:02 AM
yes hopefully it will push standards up which has to be good, but costs will push rents up which will mean more sleeping in shop door ways, it's a double sided sword
From:
Andrew townshend
13 January 2019 21:44 PM
but their origins are not british, and their morals are not british.
From:
Andrew townshend
13 January 2019 21:39 PM
yes i think you have a very valid point there.
From:
Andrew townshend
13 January 2019 19:35 PM
I'm not tempted by these online agents, i have a very good independent local agent i have used for many yrs now, they know the type of tenants i want, and the types i don't, we work well together.
From:
Andrew townshend
11 January 2019 09:38 AM
Have you read all the comments on here Ms Jones ? you are a fool dear.
From:
Andrew townshend
10 January 2019 15:38 PM
lyndsey, you might think so, i speak from experience, ( over 30 yrs as a landlord) truth hurts dear ??
From:
Andrew townshend
10 January 2019 09:06 AM
i agree, last time i did that it cost me £60 (tax deductible) to do it online, to my way of thinking worth every penny even if you don't get your money, these sort of low life tenants must not be allowed to walk away and get away with it.
From:
Andrew townshend
10 January 2019 09:03 AM
I've found over the years that young single mums tend to be the worst offenders here, i'm now very reluctant to rent to them .
From:
Andrew townshend
10 January 2019 08:58 AM
These are the kind of tenants i like, I won't rent to anyone under 25, the youngsters are too much trouble.
From:
Andrew townshend
09 January 2019 09:39 AM
We have to look out for ourselves, every time the government hit us landlords they are in fact hurting the tenant and the homeless, but they are too thick to see that.
From:
Andrew townshend
09 January 2019 09:33 AM
Not for me, I want a deposit, will this mickie mouse insurance pay out in the event of a claim ?
From:
Andrew townshend
07 January 2019 08:51 AM
Properties are over valued, and have been for sometime now, look what happened in the late 80s all about to happen again, not a bad thing for us landlords though, a buying opportunity just around the corner and no shortage of tenants, not so good for the spiv estate agents though.
From:
Andrew townshend
07 January 2019 08:46 AM
It very much depends where you are as a landlord, i was self employed in the motor trade from 23, i took an instant dislike to the spivs trying to stitch me up with private pensions, so i done a D I Y pension, over 30 yrs i built up a portfolio of 16 properties slowly and all bought for cash, today the income is around 80k, but as they are jointly owned with my wife we are both basic rate tax payers, now aged 65 i enjoy a very comfortable life style with no borrowings, so B T L has worked really well for me, and it can still work well for self employed people looking to provide for themselves in later life, it's not a get rich quick scheme, but the best form of savings account / pension scheme out there.
From:
Andrew townshend
06 January 2019 21:05 PM
Look at their name, says it all to me, you can call me racist all you like, but these are the people that get us landlords a bad name, and yes John they should have been jailed.
From:
Andrew townshend
04 January 2019 10:52 AM
You can lead a horse to water, you cannot make it drink.
From:
Andrew townshend
04 January 2019 10:37 AM
I had a guy once that wanted to pay the deposit in installments, well that wasn't going to work was it, he couldn't understand it when I said no. I've not tried these nil deposit schemes and I'm not about to, sounds like a scam to me.
From:
Andrew townshend
04 January 2019 10:32 AM
Would this guy be part of Hargreaves Lansdown the people that sell private pensions ?? well he would like us to believe B T L is dead wouldn't he, so we invest with him, I'll stick with B T L thanks all the same mate.
From:
Andrew townshend
03 January 2019 09:31 AM
Why are these people homeless, in 99% of cases they have been evicted, why? because they have not paid their rent, would i rent to some one who has a history of not paying their rent ? no. local council's problem not mine.
From:
Andrew townshend
02 January 2019 10:15 AM
The government are hurting the very people they claim to be helping here, increase our costs and red tape = increased rent = more homeless people sleeping in shop door ways. Then government and shelter wounder why most of us say ''NO DSS'', unbelievable aren't they?
From:
Andrew townshend
31 December 2018 11:54 AM
The young live the life style, everything on credit, brand new flash car on lease, holidays on the credit card, the only way most of them will ever own a property is if they inherit one.
From:
Andrew townshend
28 December 2018 10:19 AM
Extra landlord costs and more red tape will push rents up, same as any other business isn't it? the end user picks up the tab.
From:
Andrew townshend
24 December 2018 09:04 AM
We have had since april to do out tax returns, mine is normally in by june, agreed, all done and i know how much tax i'm going to pay in the next year.
From:
Andrew townshend
24 December 2018 09:01 AM
The key here is'' long term'' and for ''income'', those that borrow too much and are in it to get rich quick will likely fail.
From:
Andrew townshend
21 December 2018 09:43 AM
I'm in east anglia and I've not noticed a mass exit of landlords here.
From:
Andrew townshend
21 December 2018 09:39 AM
Are there lots of landlords selling up ? I really don't think so, made be some who cannot make it pay, generally because their borrowings are too high, or because they are not prepared to knuckle down and get their own hands dirty when the need arises .
From:
Andrew townshend
19 December 2018 09:50 AM
Most of my properties are let through an agent who i trust totally, i do however ask questions before agreeing to a new tenant. I do get to meet my tenants as I do most of my own repairs, they also have my phone no and email so they are free to contact me direct, it's good for tenants to meet their landlords face to face it makes for a good landlord tenant relationship.
From:
Andrew townshend
19 December 2018 09:44 AM
I have, and have had many immigrant tenants and generally find them to be very good tenants, often better than some white british tenants i've had, i'm a bit wary when it comes to indian tenants though as i have had bad experiences with them in the past , but i don't exclude them totally, the only tenants i exclude are those on benefits unless they have a cast iron guarantor. we should not be doing the job of the home office, does a shop keeper ask for a passport before selling goods to some one ? boils down to the same thing.
From:
Andrew townshend
19 December 2018 09:35 AM
There is a flip side here, good landlords rent good homes to good tenants, where as rouge landlords rent poor quality homes to rouge tenants, so who will house the rouge tenants? we don't want them at any price. also interesting to see that there are 250,000 sub standard council homes out there.
From:
Andrew townshend
18 December 2018 09:18 AM
And another one, the guys name says it all, no respect for the law of our country, they get the rest of use a bad name
From:
Andrew townshend
18 December 2018 09:09 AM
Their surnames says it all to me, these people consider themselves to be above the law here, these are the landlords that get the rest of us a bad name.
From:
Andrew townshend
17 December 2018 09:37 AM
I think they have further to fall yet, good investment, but not a good idea to borrow heavily to buy now.
From:
Andrew townshend
17 December 2018 09:33 AM
Not a bad thing is it, absentee landlords on the decrease.
From:
Andrew townshend
17 December 2018 09:30 AM
Sounds like a scam to me, not the way to be investing in property.
From:
Andrew townshend
14 December 2018 09:20 AM
Personally i have steered clear of H M O s , good yields, but lot of hassle and generally the wrong kind of tenants for me.
From:
Andrew townshend
14 December 2018 09:17 AM
Who wants to be moving home at this time of the year? however having said that i had a property come vacant 3 wks ago and relet it within a wk.
From:
Andrew townshend
14 December 2018 09:13 AM
Any increase in costs always ends up with the end user paying, that's business, increased rents, more sleeping in shop door ways, you don't need a degree in economics to see that do you ?
From:
Andrew townshend
13 December 2018 09:58 AM
Sorry but their names would have been enough to put me off dealing with them, i don't trust them, end of.
From:
Andrew townshend
12 December 2018 12:10 PM
Don't wait, issue the sec 21 and / or sec 8 paper work, show the tenant you mean business and won't be taken for a mug, might be enough to wake them up.
From:
Andrew townshend
12 December 2018 11:57 AM
Higher rents and more homeless, really clever move by the government.
From:
Andrew townshend
12 December 2018 11:51 AM
I have found to my cost in the past that these acts of good will generally come back and bite you on the back side, leave them to the council to house, the council's problem not ours.
From:
Andrew townshend
12 December 2018 11:46 AM
Cannot see agents working for less, so full cost will be passed onto landlords who will increase rents to cover the extra cost, really not rocket science is it.
From:
Andrew townshend
11 December 2018 08:50 AM
9 children ! why ? leave that sort to the council to house.
From:
Andrew townshend
10 December 2018 09:27 AM
How many council owned homes sit empty not just for months but often for yrs, in norwich we are charged 100% council tax from day one between lets, very unfair.
From:
Andrew townshend
07 December 2018 10:05 AM
This year there was an agent in swafham (norfolk) went out of business owing landlords money, there were landlords whinging that they were owed 3 months rent, why would you leave it that long, i know when the rent is due on all of my properties, if the money is not in my bank account within 2 - 3 days i'm asking questions, wouldn't you be knocking on the tenants door to ask if they had paid their rent, if they had i would be telling them not to pay anymore rent to that agent. This agent, a woman, had a bankruptcy history, we check out tenants so why wouldn't we check out an agent before using them?
From:
Andrew townshend
07 December 2018 10:01 AM
Taking out a large mortgage in order to become a landlord is the wrong way to do it, i've bought my properties slowly over the past 30yrs for cash, while i was working the rent i was receiving was rolling up ready to buy the next one, today i live off the rent i receive, but there is still a surplus that rolls up to buy more. being a landlord is not a get rich quick scheme, but done correctly works very well.
From:
Andrew townshend
07 December 2018 09:44 AM
The name says it all, these are the landlords that get us a bad name, and before the raciest card comes into into play i'm not raciest, i just tell it as it is.
From:
Andrew townshend
06 December 2018 09:23 AM
No shortage of tenants in east anglia.
From:
Andrew townshend
06 December 2018 09:19 AM
Why is it that the government fails to think these things through, the real people they are hurting here are the tenants and the homeless, can they really not see that??
From:
Andrew townshend
05 December 2018 09:52 AM
I also consider tenants with a pet , but when this cap comes in i will have to say NO PETS.
From:
Andrew townshend
05 December 2018 09:46 AM
''Poverty should not be allowed to be the basis for discrimination'' BUT RISK IS ! so someone waking up to the reason most of us say no DSS, the cause here is down to local and central government, but they are going to have to come up with something really good here, and i cannot see that happening.
From:
Andrew townshend
04 December 2018 09:22 AM
Survival of the fittest then, sort out the men from the boys, has to be good news for us.
From:
Andrew townshend
04 December 2018 09:13 AM
I like tenants that stay a long time, as most of mine do, why wouldn't i ? But a fixed 3 yr term would cause problems if we get a rouge tenant, we need a fair, quick and easy way of getting rid of rouge tenants, ain't going to happen through is it ?
From:
Andrew townshend
03 December 2018 09:27 AM
rouge landlords tend to rent to rouge tenants that good landlords would not touch, horses for courses you might say.
From:
Andrew townshend
30 November 2018 17:28 PM
rents aren't going down in my neck of the woods, i did once in 2008 agree to a rent reduction, in hind sight i wish i hadn't, i should have invited him to leave, i was pleased when he did go, he was a pain.
From:
Andrew townshend
30 November 2018 17:18 PM
well james i can hold my head up high here, i am not one of these landlords getting rich from housing benefit payments, cause i don't have any tenants, and won't take any tenants ,claiming housing benefit. I must be the good guy here ?
From:
Andrew townshend
28 November 2018 19:36 PM
that's a lovely idea chris, but we all know it will never happen don't we
From:
Andrew townshend
28 November 2018 19:27 PM
I live in east anglia, and buy properties within a max 30 mile radius of my home, i do my own maintenance, clean up and decorating between lets, so the north east is not for me, i like to keep a regular eye on my properties and tenants. oh and rents are on there way up, increased overheads and more red tape = increased rent
From:
Andrew townshend
28 November 2018 19:18 PM
I will consider pets, small dog or cat, but i require an increased deposit, so what happens when this cap comes on deposits ? either no pets or an increased rent, and as others have said, a pet without permission = eviction asap.
From:
Andrew townshend
28 November 2018 19:11 PM
My properties, my choice of tenant, if need be I would be happy to have my say in court on that one.
From:
Andrew townshend
27 November 2018 08:57 AM
This is why we are very careful who we rent to and another reason for not taking the DSS they represent too much of a risk
From:
Andrew townshend
26 November 2018 10:12 AM
These charges will be built into increased rent, further more landlords and agents will not be holding properties for tenants, it will be a contract race, first to sign and pay their money over gets, lets see how tenants like that one.
From:
Andrew townshend
26 November 2018 10:08 AM
We know from past experiences that in 90% of cases where tenants are claiming benefits we are going to have problems getting the rent paid, then we have to go down the eviction route which will cost money and take months, i stick to my policy no DSS and no single mums, my properties, my choice of tenants, end of. leave benefit claimants to councils and housing association.
From:
Andrew townshend
26 November 2018 10:00 AM
Don't do student lets, they are a pain, and generally their parents are worse
From:
Andrew townshend
23 November 2018 09:27 AM
Yes, and people are stupid enough to pay it for sub standard built homes, more the fool them.
From:
Andrew townshend
23 November 2018 09:25 AM
I very rarely get a deposit dispute these days, because i'm very careful when picking tenants, no DSS, and no single mums.
From:
Andrew townshend
23 November 2018 09:21 AM
speeding up fault evictions is a nice idea, but face facts it will never happen, so whether the government, councils, or shelter like it or not the policy remains NO DSS , don't take landlords for mugs, we are not, housing benefit tenants = rent arrears, fact.
From:
Andrew townshend
22 November 2018 09:52 AM
And they cannot understand why we say no D S S ??
From:
Andrew townshend
21 November 2018 09:35 AM
I think we have all had nightmare tenants at one time or another, but we live and learn, i'm very careful who i rent to now, only working tenants and no single mums.
From:
Andrew townshend
21 November 2018 09:29 AM
Personally i would not work with councils and i most certainly would not take their homeless in, council's problem not mine, i stick to decent tenants that work for a living.
From:
Andrew townshend
19 November 2018 09:17 AM
only cheaper for those that have the money to buy, and the credit history to gain a mortgage, or even want the responsibility of home ownership and the ties that go with it, many find it easier to rent, 1 months notice and they can move where ever their job takes them.
From:
Andrew townshend
16 November 2018 10:20 AM
£780 per property, how can they justify that ? still £780 per yr per property increased rent, sorry mr tenant.
From:
Andrew townshend
16 November 2018 10:14 AM
Lending slumps, but not every one takes out a mortgage to buy a B T L , where else do we put our cash to get a reasonable income / return, pension schemes? not for me.
From:
Andrew townshend
15 November 2018 09:19 AM
Who is JLL ? are they experts with a crystal ball ? no i don't buy it, just some bright sparks opinion .
From:
Andrew townshend
15 November 2018 09:14 AM
so this is where people buy a bedroom in a purpose built block to then rent out, no not a good idea.
From:
Andrew townshend
15 November 2018 09:11 AM
Mum of 9 on benefits, NO NO NO, i don't do single mums on benefits, past experience, nightmare, leave them to the council to house.
From:
Andrew townshend
13 November 2018 10:03 AM
Left it a bit late, 2 months max arrears and sec 21 and / or sec 8 should be issued, don't mess about with tenants like this, i would have knocking on their door every day demanding payment.
From:
Andrew townshend
13 November 2018 09:56 AM
i manage yields of around 5 - 6 % in east anglia.
From:
Andrew townshend
13 November 2018 09:48 AM
I have some retired tenants, they are brilliant, they pay their rent no problems, keep the gardens well and decorate their homes, in return i keep their rent competitive, after all i don't have void periods .
From:
Andrew townshend
13 November 2018 09:45 AM
money claim on line, last time i used it £60, two yrs later this guy had his photo in the local paper opening a pub, i sent the bailiffs round and got a £1000 out of him, i also have the satisfaction in knowing he has a ccj against his name, i think it's worth £60 even if you don't get your money.
From:
Andrew townshend
12 November 2018 15:35 PM
perfectly legal to change the locks on a commercial property and give the non paying tenant 14 days to collect their belonging, i have done this on a few occasions, but a criminal offence to do this on a residential property, although i have been tempted. we have to be so careful who we rent to now, no one on benefits without a cast iron guarantor, and no single mums on benefits , leave them to the local council to house, their problem.
From:
Andrew townshend
12 November 2018 15:23 PM
Landlord costs increase = rents increasing, not rocket science is it ?
From:
Andrew townshend
09 November 2018 09:35 AM
I have no problem with councils going after rouge landlords, i do however have a problem when we are all tared with the same brush, what about all the rouge tenants who pocket their housing benefit payments to spend on alcohol, fags and drugs.
From:
Andrew townshend
09 November 2018 09:31 AM
I have 1 property with existing tenants in that will need up grading by april 2020, this will not be easy as it is detached, built late 1800s with solid built walls, the tenants enjoy a low rent and are happy there, once i have up graded it the rent will no longer be cheap, which could well force the tenants to leave, so once again the people the government are hurting here are the tenants. also band C by 2030, Victorian terraced houses ? impossible !
From:
Andrew townshend
07 November 2018 09:34 AM
has to be good news for those of us that are staying.
From:
Andrew townshend
06 November 2018 09:54 AM
Gt Yarmouth is 30 miles from me, cheap properties, but i have never been tempted to buy there, dreadful area, chances of getting a good tenant there is remote, best left alone.
From:
Andrew townshend
05 November 2018 17:10 PM
Not a problem, will just be added onto the rent, tenants will be worse off in the long run.
From:
Andrew townshend
05 November 2018 16:59 PM
Nail in the coffin ? i don't see it that way, we only pay C G T if we sell, why do we want to sell? rents are raising, no shortage of good tenants out there, 3% S D L T factor that into the purchase price and the rent, tax relief on mortgage only applies if you have a mortgage and / or are a 40% tax payer.
From:
Andrew townshend
05 November 2018 16:55 PM
Never been tempted by an H M O , greater yields, probably, more problems, differently, personally i will leave them to others.
From:
Andrew townshend
31 October 2018 09:32 AM
Young people aren't keen on responsibility any more, they like to be free to do their own thing, few get married now, more and more relationship break downs, and world wide job opportunities, so owing a house can be a big problem to them, renting a good property from a good landlord works best for them, one months notice and they are gone onto the next relationship or job, easy.
From:
Andrew townshend
31 October 2018 09:21 AM
Driving rouge landlords out has to be good, however the cost of these licences are much higher than the cost to the council providing them, so yes an indirect landlord tax to be passed onto the tenant.
From:
Andrew townshend
30 October 2018 10:25 AM
Not just the shortage of properties, but the ever increasing overheads and red tape placed on landlords increases rents.
From:
Andrew townshend
30 October 2018 10:17 AM
In the 90s i would meet prospective tenants at the property and go by my gut instinct ' generally got it right, today very careful vetting is a must , get the wrong tenant and evicting them is a nightmare , and is going to get worse.
From:
Andrew townshend
30 October 2018 10:14 AM
Personally I don't have a problem with this, I'm not selling, to me an income is better than a lump sum any day.
From:
Andrew townshend
30 October 2018 10:06 AM
the people being hurt here are not the landlords, it's the tenants, all increases in overheads are always passed onto the end user, what ever the business.
From:
Andrew townshend
29 October 2018 09:26 AM
Hardly news is it, most of us have past experience here, we know that we will have problems getting the rent paid when renting to people on benefits so we don't rent to them, not rocket science is it?
From:
Andrew townshend
29 October 2018 09:21 AM
Universal credit is here to stay, they will not pay housing benefit direct to the landlord, so we say NO DSS, don't take us for fools.
From:
Andrew townshend
29 October 2018 09:16 AM
I don't have a problem here, maybe we won't all be tared with the same brush then. However it's generally the case that rouge landlords house the rouge tenants, so where will the rouge tenants go, camping in shop door ways? the local council's problem then.
From:
Andrew townshend
26 October 2018 10:28 AM
it's the government and the likes of shelter that are fueling rent increases, but it seems they are too thick to see this.
From:
Andrew townshend
26 October 2018 10:17 AM
Shelter and the government wounder why most of us say NO DSS, don't these people watch TV, '' can't pay we take it away'' or ''the sheriffs are coming'' most of us have seen and experienced this first hand. No leave the DSS tenants to the councils to home, their problem, not ours.
From:
Andrew townshend
22 October 2018 10:48 AM
Look at it from the banks point of view, they want their loans repaid, landlords who let to the DSS type tenants suffer the most when it comes to rent arrears, which in tern means many of them find it difficult to keep up their loan repayments.
From:
Andrew townshend
22 October 2018 10:38 AM
I'm not fleeing anywhere, I enjoy a good steady income and see no reason for this to change for me, my properties are all bought and paid for, I do my own repairs, clean ups and decorating, I will however be very careful who I let to now with the 3 yr tenancies, universal credit, and the demise of section 21 certainly no DSS, leave them to councils and housing associations to home, not my problem.
From:
Andrew townshend
22 October 2018 10:32 AM
NO DSS ? Can you wonder why most of us say NO DSS, we know we aren't going to get paid if we rent to someone claiming benefits so why would we?
From:
Andrew townshend
19 October 2018 09:12 AM
no deposit = increased rent to cover the cost of the clean up when the tenant leaves.
From:
Andrew townshend
17 October 2018 09:43 AM
i don't see landlords selling in my area ( east anglia) and rents are increasing here.
From:
Andrew townshend
17 October 2018 09:40 AM
you missed out the flash cars on the drip, generation rent cannot buy because they are the '' entitled generation ''.
From:
Andrew townshend
17 October 2018 09:37 AM
not wishing to be racist, but look at the names, not british are they.
From:
Andrew townshend
16 October 2018 16:12 PM
but would they guarantee the rent for a benefit claimant ? of course not, i bet there is all sorts of small print and get out clauses in their agreements .
From:
Andrew townshend
15 October 2018 09:21 AM
i have a gay couple (ladies) in a property, they are as good as gold.
From:
Andrew townshend
15 October 2018 09:12 AM
This why most of us now say no DSS, we just know we are unlikely to get paid, so why would we let to them.
From:
Andrew townshend
15 October 2018 09:07 AM
but we still have section 8, more expensive, takes longer, but with a section 8 eviction the tenant will earn themselves a ccj on their credit history, now see if you can find a mug landlord to rent to you, looks the shop door way on the high street for the rouge tenants.
From:
Andrew townshend
12 October 2018 19:01 PM
Spot on Peter, U C paid direct to tenant, tenant keeps all the money, then people wonder why we say '' NO DSS''.
From:
Andrew townshend
11 October 2018 10:04 AM
all this is doing is fueling increased rent to cover extra costs incurred by landlords
From:
Andrew townshend
10 October 2018 09:27 AM
oh well section 8 it is then, evicted tenants will then have that record on their credit history, they won't stand a cats chance in hell of finding a landlord prepared to rent to them, shot in foot??
From:
Andrew townshend
10 October 2018 09:21 AM
Wasting their breath, mr hammond isn't going to change anything, there's no chance.
From:
Andrew townshend
09 October 2018 08:50 AM
Would have made more sense to put a cap on fees, to ban them altogether will mean rent increases to cover the extra costs, in the long term tenants will be paying much more.
From:
Andrew townshend
08 October 2018 09:13 AM
I don't have a problem with 3 yr tenancies, but what happens when we get a bad tenant who does not pay? only way would be section 8, expensive, difficult and takes a long time to get them out.
From:
Andrew townshend
08 October 2018 09:08 AM
why do landlords '' force'' tenants out at short notice?? simple, 99% of the time because the tenant is not paying the rent, in more than 30 yrs as a landlord i have only ever evicted tenants for one reason, non payment of rent.
From:
Andrew townshend
05 October 2018 09:50 AM
as the government continues to put the knife into landlords so will rents continue to increase to cover the extra costs, not rocket science is it?
From:
Andrew townshend
05 October 2018 09:44 AM
no not tax relief, just a simple quick way to get non paying tenants out.
From:
Andrew townshend
05 October 2018 09:37 AM
NO DSS, leave them to councils to house, not our problem, simple!
From:
Andrew townshend
03 October 2018 10:14 AM
over the years i have had some disasters where tenants have decorated themselves, however i will allow tenants to decorate subject to agreeing colours with me first , i have many long term tenants who have decorated to a very good standard, if i do get a bad one now and again i get in and redecorate myself, i'm too mean to pay a decorator when i have the time and can do it myself.
From:
Andrew townshend
01 October 2018 16:27 PM
pie in sky, no chance of any of that, we dig in, raise rents and carry on.
From:
Andrew townshend
01 October 2018 16:14 PM
i have elderly tenants, there are great, give me the mature tenant over the youngsters any day, in fact i have now made it a rule not to rent to anyone under 25.
From:
Andrew townshend
27 September 2018 11:27 AM
wishful thinking, no government is going to do us any faviours, we are public enemy number one, but we are needed to supply homes, in my neck of the woods there are many more tenants chasing homes than homes available, so on wards and upwards , rents increasing together with the homeless in shop door ways.
From:
Andrew townshend
27 September 2018 11:14 AM
Mark that's defeatist, i'm sticking with it, yes there are things being put in the way, but we will find ways around them, rents will rocket, bad tenants will not be able to rent, many more homeless sleeping in shop door ways, governments are shooting themselves in the foot but are too thick to see that.
From:
Andrew townshend
26 September 2018 09:12 AM
generally a section 21 notice is issued to evict a non paying tenant simply because it is cheaper and quicker than a section 8, ban section 21 and we will have to use section 8, this will also be bad for the tenant because then there will be a record of being evicted for non payment of rent, few if any landlords will touch them then.
From:
Andrew townshend
26 September 2018 09:01 AM
What are the chances of corbyn becoming P M in 2022? little and none.
From:
Andrew townshend
25 September 2018 09:08 AM
certainly more tenants than properties here in east anglia, don't know about any where else
From:
Andrew townshend
24 September 2018 10:24 AM
who's going to build them, where are the bricklayers, carpenters etc, our work force are all nouncers out of uni, fat of use they are.
From:
Andrew townshend
21 September 2018 10:23 AM
when i first started btl in the 80s i used to furnish properties, now i only supply a cooker, much easier, tenants take a bit of care of their own items.
From:
Andrew townshend
21 September 2018 10:19 AM
you have that wrong, it's not costing landlords a penny more, it's costing tenants £79m.
From:
Andrew townshend
21 September 2018 10:15 AM
can't see it working, would the insurance pay out, doubtful, would the tenant keep up with the premiums, in many cases they would not, and as for paying a deposit in installments to the landlord , no, i once had a chap want to do this, needless to say i did not rent the property to him.
From:
Andrew townshend
19 September 2018 09:28 AM
personally i've never got involved with HMOs, yes there are some bad ones about in big towns and cities so this crack down is probably a good thing, there is a big but however, HMOs normally house the lower end type of tenant, extra costs for landlords = increased rent for these tenants which will force more out onto the streets sleeping in shop door ways.
From:
Andrew townshend
19 September 2018 09:20 AM
the idea behind U C is good, making work pay and getting more into work, but it is increasing the number of street sleepers, i don't accept tenants on benefits, because i know that 90% of the time i'm not going to be paid, i think most landlords out there feel the same way.
From:
Andrew townshend
18 September 2018 09:54 AM
i live around 30 miles from G Y , i don't own any properties there, it's a horrible place. tenants have a right to expect a decent safe home, but what is going to happen to the low life tenants, are landlords with nice properties going to rent to them ? i'm not, is the council going to home them? doubtful, more people sleeping in shop doorways then, G Y council needs to be careful here they could be cooking up a big problem for themselves.
From:
Andrew townshend
18 September 2018 09:47 AM
that's what we like, good reliable tenants that stay, not so good for agents though.
From:
Andrew townshend
17 September 2018 09:10 AM
no shortage of tenants applying to rent property here in east anglia, and the rents are edging up.
From:
Andrew townshend
17 September 2018 09:05 AM
wrong, very wrong, but it's prostitution, therefore both parties are guilty of a crime.
From:
Andrew townshend
14 September 2018 09:19 AM
maybe it's all the buy to let MPs looking to push rents up, in the long run that's what the government is achieving
From:
Andrew townshend
12 September 2018 10:05 AM
the effect of section 24 will be for rents to rise massively, as there are more people than homes out there it will be the tenants problem not the landlord's.
From:
Andrew townshend
11 September 2018 09:30 AM
i'm very happy with buy to let, sure the government can put the knife in and twist it, we will simply increase rents to compensate , supply and demand, there's no shortage of tenants out there.
From:
Andrew townshend
10 September 2018 10:42 AM
surely after just 1 month's non payment wouldn't you visit the tenant and advise them to pay their rent direct or move the property to another agent, after all it's the agent who has broken the contract. i expect the agent is a limited company so no chance of any money there then
From:
Andrew townshend
07 September 2018 09:37 AM
as the added costs to landlords filter through rents will continue to increase, that's how it works with any business isn't it?
From:
Andrew townshend
07 September 2018 09:29 AM
i only ever evict non paying tenants, but i use section 21 because it's quicker, easier and cheaper
From:
Andrew townshend
06 September 2018 09:11 AM
laughable ! they really think these fees and costs will disappear? get real, they will be passed onto the landlord, then the landlord will increase rents to cover his / her increase in overheads, happens in all businesses, overheads increase the end user pays.
From:
Andrew townshend
06 September 2018 09:00 AM
shelter won't like that
From:
Andrew townshend
06 September 2018 08:53 AM
b t l should be viewed as a long term investment and has worked really for me, it's not a get rich quick game, those that think it is will fail.
From:
Andrew townshend
05 September 2018 09:38 AM
pile on extra cost and red tape, and the result? up go rents again, more homeless sleeping in shop door ways.
From:
Andrew townshend
04 September 2018 09:24 AM
they talk of generation rent, it isn't always because they cannot afford to buy, i think it's becoming more and more the case people prefer to rent, no hassle buying and selling, no costly repairs. i am old school, i like to own and pay cash, property, cars etc. is this the start of a price crash as in the early 90s, i hope it is, i'm not bothered by the paper value of my properties and i'm not selling, but i will buy when prices drop.
From:
Andrew townshend
31 August 2018 10:53 AM
this has been tried before and failed as i remember.
From:
Andrew townshend
30 August 2018 09:06 AM
why are young people not buying houses? because they are not prepared to make the sacrifices, flash new cars on finance, 2 overseas holidays a year, nights out, designer clothes , in their eyes they are entitled, with that attitude they will never own a house, unless they get given one, of course it was easy for us baby boomers, we didn't have to do the overtime at work, or hold down 2 jobs, drive the cheap old banger, spend our holidays working on our old houses, you get nout for nout in this life.
From:
Andrew townshend
29 August 2018 09:40 AM
the government hate us, but we will still be here, and every time they stick the knife in up and up rents will go, there is an ever increasing number of people needing a roof over their heads.
From:
Andrew townshend
29 August 2018 09:28 AM
they are shooting themselves in the foot, but are too thick to see it, result will be more sleeping in shop doorways, good landlords will still find good tenants, it's the low life eliminate benefit spongers that will loose out and plenty good enough
From:
Andrew townshend
28 August 2018 22:33 PM
where's east anglia in relation to the midlands ? because things are still good here
From:
Andrew townshend
28 August 2018 09:23 AM
i'm not selling, i'm buying, rents are going up, more tenants out there than properties to rent, has to be good news for the landlord.
From:
Andrew townshend
28 August 2018 09:20 AM
the only time i evict a tenant is when they fail to pay, section 21 was quicker and cheaper than section 8, get them out first, then go for the money claim online, might not get the money, but screws their credit rating for the next 6 yrs, worth every penny
From:
Andrew townshend
28 August 2018 09:16 AM
long term view and don't run before you can walk, certainly worked well for me no regrets
From:
Andrew townshend
24 August 2018 10:19 AM
more likely over mortgaged small time landlords selling to professional landlords with cash in their pockets , still if it's pushing rents up for the rest of us then that's fine by me.
From:
Andrew townshend
24 August 2018 10:14 AM
best form of flexible pension out there, without all the blood suckers taking their inflated commissions and fees out of your money.
From:
Andrew townshend
23 August 2018 09:46 AM
probably a good idea to keep the day job to start with, i started in my early 30s when i bought my business premises from my landlord, another property came with it. it worked well, i didn't like the idea of private pensions, really did not trust them, so bought up run down properties in the 90s renovated them and rented them, 11 yrs ago sold my business and became a full time landlord, no regrets i love it and earn a good income from it.
From:
Andrew townshend
23 August 2018 09:36 AM
spot on steve, i will only consider a housing benefit claimant if they can provide a cast iron guarantor and even then i'm not keen, we are not charities, maybe shelter would like to offer a rent guarantor deal ? mmmmm thought not.
From:
Andrew townshend
22 August 2018 09:00 AM
i first got into buy to let in the 80s as such many of my properties owe me peanuts, i'm here to stay.
From:
Andrew townshend
21 August 2018 09:00 AM
a home is not a human right no more than a car is, rent controls would need to be seen as fair to all concerned, this government doesn't like us, a labour government would hate us.
From:
Andrew townshend
20 August 2018 09:27 AM
comes down to the old saying '' running before you can walk'' far better to grow slowly and steadily than over borrowing and losing the lot, as many have done.
From:
Andrew townshend
20 August 2018 09:21 AM
we are going to have to be very selective as to who we rent to, it's one thing being stuck with a bad tenant for 6 months, it's quite another being stuck with them for 3 yrs, the result is going to be more people sleeping in shop door ways
From:
Andrew townshend
20 August 2018 09:17 AM
no messing, no changing of minds, no dreamers ,hammer drops, sold.
From:
Andrew townshend
17 August 2018 09:17 AM
i'm perfectly happy being a landlord, suits my way of life, i'm not selling, might even be buying, it's not a get rich quick game, it's for the long term.
From:
Andrew townshend
15 August 2018 09:37 AM
add a bit on all rents to cover damage, good tenants will be subsidizing bad tenants, not fair? well that's the way government seem to want it, so much for government looking after the tenants interests.
From:
Andrew townshend
14 August 2018 10:00 AM
i don't do drugs or druggies in any way shape or form, i found a small cannabis farm in a corner shop couple of yrs ago, removed same day, police not interested - too much bother.
From:
Andrew townshend
10 August 2018 09:15 AM
i won't be evicting good tenants.
From:
Andrew townshend
10 August 2018 09:09 AM
rents are increasing in east anglia, i don't know about else where, but every thing seems to be pointing to substantial rent increases
From:
Andrew townshend
10 August 2018 09:06 AM
i'll stick with east anglia, where i can keep a close personal eye on my properties and tenants
From:
Andrew townshend
10 August 2018 09:01 AM
how long after evicting a tenant do you keep their possessions? i had some under a tarpaulin at the bottom of my garden for 3 months before i burnt them.
From:
Andrew townshend
09 August 2018 09:37 AM
i have many really good tenants, but do to increased costs being placed on us by local and central government there will be increases.
From:
Andrew townshend
09 August 2018 09:32 AM
terraced homes with solid walls , band 'c', sounds near on impossible to me.
From:
Andrew townshend
08 August 2018 09:16 AM
all this does is push rents up for the tenant.
From:
Andrew townshend
08 August 2018 09:10 AM
no different to the media targeting the second hand car dealers, builders, even solicitors ripping the public off, rise above it, we still have these people queuing up begging us to rent a property to them. for every one bad landlord there are 10+ bad tenants.
From:
Andrew townshend
07 August 2018 09:45 AM
when overheads increase the tenants will pay, that's how it works.
From:
Andrew townshend
06 August 2018 09:29 AM
make this difficult and expensive will just push up rents still more
From:
Andrew townshend
03 August 2018 09:43 AM
it's not the landlord being hit here, it's the tenant, it's the tenant who will have to find the extra cash either by reducing their life style or moving to a cheaper property in a cheaper area, and when you get to the lowest end of the market they will be moving into the shop door way, government's problem, not mine.
From:
Andrew townshend
03 August 2018 09:39 AM
depends how you finance your buy to let portfolio, bought for cash from savings and there isn't a problem.
From:
Andrew townshend
03 August 2018 09:31 AM
for me a deposit gives me a little protection when it comes to a short fall in rent due, a payment to cover damage is built into the monthly rent, trying to claim from a deposit for damage is a waste of time because tds always comes down on the tenants side.
From:
Andrew townshend
02 August 2018 09:22 AM
I think most of us expedience these sort of problems at times which is why we need to be very careful who we let into our properties, a tenant black list would be useful, avoid benefit claimants and don't wait to evict non payers nip it in the bud.
From:
Andrew townshend
02 August 2018 09:12 AM
personally i avoid the hmo market, good money in it but a lot of hassle as well
From:
Andrew townshend
31 July 2018 08:56 AM
a guaranteed rent and all damage repaired, then just maybe some landlords might consider taking these people on.
From:
Andrew townshend
31 July 2018 08:50 AM
how can they justify £780 per property? as this article states though it will of course end up with the tenant paying more rent to cover yet another expense , government ,both local and central, have really got it in for the poor tenant haven't they?
From:
Andrew townshend
30 July 2018 09:03 AM
landlords with less than 10 properties and with heavy borrowings may well sell up, but there are no shortage of landlords out there looking to buy, few will be purchased by owner occupiers, so no change really
From:
Andrew townshend
27 July 2018 10:47 AM
rents are rising, not to increase profits for landlords, but to cover extra costs and red tape placed upon landlords
From:
Andrew townshend
27 July 2018 10:39 AM
will it work ? i have my doubts, i'm going to opt for a bit extra on the rent to cover damage.
From:
Andrew townshend
27 July 2018 10:34 AM
sounds to me they are looking for more business, we have little choice here other than to build something into the rent to cover damage at tenancy end, deposits are getting to be a waste of time.
From:
Andrew townshend
27 July 2018 10:28 AM
daft question, of course rents are going to increase with the extra costs and red tape placed on landlords, no different to any business or trade, when overheads increase it's the end user that pays
From:
Andrew townshend
26 July 2018 08:59 AM
my wife, as joint owner, has an equal share but does nothing when it comes down to our port folio of properties, so it could be argued that she gets more than me out of buy to let.
From:
Andrew townshend
25 July 2018 10:43 AM
petru degan, not british then, so are we surprised? what's the chances of him paying this fine? little and none
From:
Andrew townshend
23 July 2018 08:51 AM
can't really argue against it, will mean an added cost, which will be passed onto the tenant by means of a rent increase.
From:
Andrew townshend
20 July 2018 09:36 AM
if we have to give a 3 yr term then we are going to have to be even more careful who we rent to, which will mean more homeless people sleeping in shop door ways, is this what the government are aiming for?
From:
Andrew townshend
20 July 2018 09:32 AM
his properties, his choice. single mums on benefits can be a nightmare, Indians often leave properties dirty and smelly
From:
Andrew townshend
20 July 2018 09:23 AM
not a bad thing, let these values bottom out and there will be another buying opportunity, buy to let is not dead, where else do you get a return on your money?
From:
Andrew townshend
19 July 2018 09:28 AM
at four score and ten you well deserve to be taking a step back, good properties with good long term tenants will be worth strong money to younger landlords with cash to invest.
From:
Andrew townshend
16 July 2018 09:34 AM
what this boils down to is 1) the landlord that has borrowed too much, and 2) the arm chair landlord that sits back and expects the money to roll in without doing anything him / her self, why pay someone to clean up, paint and decorate, or do the garden in between lets, roll up your sleeves and get your hands dirty, you might just enjoy it and save a lot of cash into the bargain .
From:
Andrew townshend
16 July 2018 09:30 AM
surely if you are after capital growth then that's property dealing as opposed to being a landlord, while it's nice to see our properties worth more than we paid for them ,but for me it's the income i am getting from them. i bought a property in lowestoft last year, if i were to put it back up for sale now i would make a capital lose, but why would i want to when i'm getting a good return on the money i put into it, as with share dealing you only make that capital lose or gain when you sell
From:
Andrew townshend
16 July 2018 09:21 AM
it's not just the people who cannot buy that rent, but many who don't want to buy, and i expect this will be the way forward now more and more.
From:
Andrew townshend
13 July 2018 09:25 AM
we hear a lot about bad landlords and unhappy tenants but these are very much in the minority, i'm pleased to say all my tenants seem happy with me at present, generally the only time i have problems is when i get a none payer , then i'm a basted landlord for evicting them, that doesn't happen much now as i'm much more fussy who i rent to these days.
From:
Andrew townshend
13 July 2018 09:22 AM
fred, they are my properties i will choose who i rent to, nothing illegal in that.
From:
Andrew townshend
12 July 2018 09:03 AM
landlords that do sell up will likely sell to other landlords, however if there is going to be a shortage of properties to rent then rents will rise and we will be cherry picking the best tenants, more and more homeless on the streets.
From:
Andrew townshend
12 July 2018 08:53 AM
i expect it will be much like that old tv program '' yes minister''
From:
Andrew townshend
11 July 2018 09:27 AM
good working families yes, but avoid single mums on benefits like the plague.
From:
Andrew townshend
11 July 2018 09:24 AM
with the extra red tape and costs of course rents are increasing
From:
Andrew townshend
11 July 2018 09:21 AM
i like long term tenants, only problem i can see is that it will take longer to evict bad tenants, we will have to be more fussy as to who we rent to and insist on good guarantors.
From:
Andrew townshend
11 July 2018 09:19 AM
we have had some bad pm s over the yrs, but this one takes the prize .
From:
Andrew townshend
10 July 2018 09:26 AM
i'll take the cash thank you, good sex is free
From:
Andrew townshend
09 July 2018 15:24 PM
i have a simple policy here, anyone that doesn't pay gets a county court action from me, last one i did cost me £60, easy to do online and worth every penny, that screws their credit history up a treat.
From:
Andrew townshend
06 July 2018 10:07 AM
i agree with barry above, i don't have a problem here, and lets face facts it's going to happen, what we do need though is a quick way of getting rid of bad tenants. if we want to sell one of our properties the chances are we will sell to another landlord, mortgage provider? well none of mine are mortgaged, but i expect they will just have to modify their terms or stop lending to landlords.
From:
Andrew townshend
06 July 2018 09:59 AM
agents, just like landlords and tenants, there are good and bad. and yes as above why not name and shame them?
From:
Andrew townshend
05 July 2018 20:39 PM
but why let it get to 7k, nip debt in the bud a s a p, visit tenants, tell them the rent is not being passed on and get them to pay you direct, it's the agent who has broken the contract.
From:
Andrew townshend
04 July 2018 09:40 AM
buy to let was my pension scheme, no regrets, allowed me to give up the day job 11 yrs ago at 54
From:
Andrew townshend
04 July 2018 09:36 AM
i have no problem with the wish to improve the poor quality end of the rental business, but what then happens to the poor quality tenants, no one's going to rent a nice flat or house to these sort of tenants.
From:
Andrew townshend
03 July 2018 09:37 AM
all very well, but what happens when we get a non paying tenant? yes we can go down the section 8 route, but we have to wait until the rent is over due by 8 wks, then we await a court hearing and then we wait for the bailiffs, all expensive as well, section 21 is quicker, cheaper and easier, but we won't be able to use section 21 in the first 3 yrs of a tenancy when this new ruling comes in.
From:
Andrew townshen
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26 February 2020 18:16 PM
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25 February 2020 16:11 PM
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18 February 2020 10:04 AM
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18 February 2020 09:57 AM
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14 February 2020 20:19 PM
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From: Andrew townshend
08 March 2019 09:49 AM
From: Andrew townshend
07 March 2019 21:48 PM
From: Andrew townshend
07 March 2019 09:14 AM
From: Andrew townshend
06 March 2019 09:29 AM
From: Andrew townshend
06 March 2019 09:22 AM
From: Andrew townshend
05 March 2019 09:22 AM
From: Andrew townshend
05 March 2019 09:17 AM
From: Andrew townshend
04 March 2019 09:54 AM
From: Andrew townshend
04 March 2019 09:48 AM
From: Andrew townshend
04 March 2019 09:39 AM
From: Andrew townshend
01 March 2019 13:14 PM
From: Andrew townshend
01 March 2019 09:59 AM
From: Andrew townshend
01 March 2019 09:51 AM
From: Andrew townshend
26 February 2019 15:00 PM
From: Andrew townshend
25 February 2019 09:10 AM
From: Andrew townshend
25 February 2019 09:02 AM
From: Andrew townshend
22 February 2019 15:40 PM
From: Andrew townshend
22 February 2019 15:36 PM
From: Andrew townshend
20 February 2019 09:43 AM
From: Andrew townshend
19 February 2019 09:13 AM
From: Andrew townshend
19 February 2019 09:05 AM
From: Andrew townshend
18 February 2019 09:33 AM
From: Andrew townshend
15 February 2019 11:14 AM
From: Andrew townshend
15 February 2019 11:07 AM
From: Andrew townshend
15 February 2019 11:03 AM
From: Andrew townshend
14 February 2019 10:34 AM
From: Andrew townshend
14 February 2019 10:20 AM
From: Andrew townshend
12 February 2019 10:20 AM
From: Andrew townshend
11 February 2019 11:01 AM
From: Andrew townshend
11 February 2019 10:49 AM
From: Andrew townshend
11 February 2019 10:41 AM
From: Andrew townshend
10 February 2019 09:23 AM
From: Andrew townshend
08 February 2019 09:24 AM
From: Andrew townshend
08 February 2019 09:17 AM
From: Andrew townshend
05 February 2019 09:53 AM
From: Andrew townshend
04 February 2019 16:54 PM
From: Andrew townshend
01 February 2019 13:03 PM
From: Andrew townshend
01 February 2019 11:32 AM
From: Andrew townshend
01 February 2019 09:17 AM
From: Andrew townshend
31 January 2019 10:36 AM
From: Andrew townshend
29 January 2019 09:14 AM
From: Andrew townshend
29 January 2019 09:05 AM
From: Andrew townshend
28 January 2019 09:38 AM
From: Andrew townshend
25 January 2019 10:02 AM
From: Andrew townshend
24 January 2019 15:33 PM
From: Andrew townshend
24 January 2019 09:49 AM
From: Andrew townshend
24 January 2019 09:44 AM
From: Andrew townshend
23 January 2019 14:05 PM
From: Andrew townshend
23 January 2019 09:17 AM
From: Andrew townshend
22 January 2019 16:32 PM
From: Andrew townshend
18 January 2019 08:53 AM
From: Andrew townshend
18 January 2019 08:49 AM
From: Andrew townshend
16 January 2019 19:49 PM
From: Andrew townshend
16 January 2019 09:29 AM
From: Andrew townshend
16 January 2019 09:12 AM
From: Andrew townshend
16 January 2019 09:05 AM
From: Andrew townshend
15 January 2019 11:16 AM
From: Andrew townshend
15 January 2019 10:02 AM
From: Andrew townshend
15 January 2019 09:43 AM
From: Andrew townshend
15 January 2019 09:18 AM
From: Andrew townshend
14 January 2019 09:14 AM
From: Andrew townshend
14 January 2019 09:07 AM
From: Andrew townshend
14 January 2019 09:02 AM
From: Andrew townshend
13 January 2019 21:44 PM
From: Andrew townshend
13 January 2019 21:39 PM
From: Andrew townshend
13 January 2019 19:35 PM
From: Andrew townshend
11 January 2019 09:38 AM
From: Andrew townshend
10 January 2019 15:38 PM
From: Andrew townshend
10 January 2019 09:06 AM
From: Andrew townshend
10 January 2019 09:03 AM
From: Andrew townshend
10 January 2019 08:58 AM
From: Andrew townshend
09 January 2019 09:39 AM
From: Andrew townshend
09 January 2019 09:33 AM
From: Andrew townshend
07 January 2019 08:51 AM
From: Andrew townshend
07 January 2019 08:46 AM
From: Andrew townshend
06 January 2019 21:05 PM
From: Andrew townshend
04 January 2019 10:52 AM
From: Andrew townshend
04 January 2019 10:37 AM
From: Andrew townshend
04 January 2019 10:32 AM
From: Andrew townshend
03 January 2019 09:31 AM
From: Andrew townshend
02 January 2019 10:15 AM
From: Andrew townshend
31 December 2018 11:54 AM
From: Andrew townshend
28 December 2018 10:19 AM
From: Andrew townshend
24 December 2018 09:04 AM
From: Andrew townshend
24 December 2018 09:01 AM
From: Andrew townshend
21 December 2018 09:43 AM
From: Andrew townshend
21 December 2018 09:39 AM
From: Andrew townshend
19 December 2018 09:50 AM
From: Andrew townshend
19 December 2018 09:44 AM
From: Andrew townshend
19 December 2018 09:35 AM
From: Andrew townshend
18 December 2018 09:18 AM
From: Andrew townshend
18 December 2018 09:09 AM
From: Andrew townshend
17 December 2018 09:37 AM
From: Andrew townshend
17 December 2018 09:33 AM
From: Andrew townshend
17 December 2018 09:30 AM
From: Andrew townshend
14 December 2018 09:20 AM
From: Andrew townshend
14 December 2018 09:17 AM
From: Andrew townshend
14 December 2018 09:13 AM
From: Andrew townshend
13 December 2018 09:58 AM
From: Andrew townshend
12 December 2018 12:10 PM
From: Andrew townshend
12 December 2018 11:57 AM
From: Andrew townshend
12 December 2018 11:51 AM
From: Andrew townshend
12 December 2018 11:46 AM
From: Andrew townshend
11 December 2018 08:50 AM
From: Andrew townshend
10 December 2018 09:27 AM
From: Andrew townshend
07 December 2018 10:05 AM
From: Andrew townshend
07 December 2018 10:01 AM
From: Andrew townshend
07 December 2018 09:44 AM
From: Andrew townshend
06 December 2018 09:23 AM
From: Andrew townshend
06 December 2018 09:19 AM
From: Andrew townshend
05 December 2018 09:52 AM
From: Andrew townshend
05 December 2018 09:46 AM
From: Andrew townshend
04 December 2018 09:22 AM
From: Andrew townshend
04 December 2018 09:13 AM
From: Andrew townshend
03 December 2018 09:27 AM
From: Andrew townshend
30 November 2018 17:28 PM
From: Andrew townshend
30 November 2018 17:18 PM
From: Andrew townshend
28 November 2018 19:36 PM
From: Andrew townshend
28 November 2018 19:27 PM
From: Andrew townshend
28 November 2018 19:18 PM
From: Andrew townshend
28 November 2018 19:11 PM
From: Andrew townshend
27 November 2018 08:57 AM
From: Andrew townshend
26 November 2018 10:12 AM
From: Andrew townshend
26 November 2018 10:08 AM
From: Andrew townshend
26 November 2018 10:00 AM
From: Andrew townshend
23 November 2018 09:27 AM
From: Andrew townshend
23 November 2018 09:25 AM
From: Andrew townshend
23 November 2018 09:21 AM
From: Andrew townshend
22 November 2018 09:52 AM
From: Andrew townshend
21 November 2018 09:35 AM
From: Andrew townshend
21 November 2018 09:29 AM
From: Andrew townshend
19 November 2018 09:17 AM
From: Andrew townshend
16 November 2018 10:20 AM
From: Andrew townshend
16 November 2018 10:14 AM
From: Andrew townshend
15 November 2018 09:19 AM
From: Andrew townshend
15 November 2018 09:14 AM
From: Andrew townshend
15 November 2018 09:11 AM
From: Andrew townshend
13 November 2018 10:03 AM
From: Andrew townshend
13 November 2018 09:56 AM
From: Andrew townshend
13 November 2018 09:48 AM
From: Andrew townshend
13 November 2018 09:45 AM
From: Andrew townshend
12 November 2018 15:35 PM
From: Andrew townshend
12 November 2018 15:23 PM
From: Andrew townshend
09 November 2018 09:35 AM
From: Andrew townshend
09 November 2018 09:31 AM
From: Andrew townshend
07 November 2018 09:34 AM
From: Andrew townshend
06 November 2018 09:54 AM
From: Andrew townshend
05 November 2018 17:10 PM
From: Andrew townshend
05 November 2018 16:59 PM
From: Andrew townshend
05 November 2018 16:55 PM
From: Andrew townshend
31 October 2018 09:32 AM
From: Andrew townshend
31 October 2018 09:21 AM
From: Andrew townshend
30 October 2018 10:25 AM
From: Andrew townshend
30 October 2018 10:17 AM
From: Andrew townshend
30 October 2018 10:14 AM
From: Andrew townshend
30 October 2018 10:06 AM
From: Andrew townshend
29 October 2018 09:26 AM
From: Andrew townshend
29 October 2018 09:21 AM
From: Andrew townshend
29 October 2018 09:16 AM
From: Andrew townshend
26 October 2018 10:28 AM
From: Andrew townshend
26 October 2018 10:17 AM
From: Andrew townshend
22 October 2018 10:48 AM
From: Andrew townshend
22 October 2018 10:38 AM
From: Andrew townshend
22 October 2018 10:32 AM
From: Andrew townshend
19 October 2018 09:12 AM
From: Andrew townshend
17 October 2018 09:43 AM
From: Andrew townshend
17 October 2018 09:40 AM
From: Andrew townshend
17 October 2018 09:37 AM
From: Andrew townshend
16 October 2018 16:12 PM
From: Andrew townshend
15 October 2018 09:21 AM
From: Andrew townshend
15 October 2018 09:12 AM
From: Andrew townshend
15 October 2018 09:07 AM
From: Andrew townshend
12 October 2018 19:01 PM
From: Andrew townshend
11 October 2018 10:04 AM
From: Andrew townshend
10 October 2018 09:27 AM
From: Andrew townshend
10 October 2018 09:21 AM
From: Andrew townshend
09 October 2018 08:50 AM
From: Andrew townshend
08 October 2018 09:13 AM
From: Andrew townshend
08 October 2018 09:08 AM
From: Andrew townshend
05 October 2018 09:50 AM
From: Andrew townshend
05 October 2018 09:44 AM
From: Andrew townshend
05 October 2018 09:37 AM
From: Andrew townshend
03 October 2018 10:14 AM
From: Andrew townshend
01 October 2018 16:27 PM
From: Andrew townshend
01 October 2018 16:14 PM
From: Andrew townshend
27 September 2018 11:27 AM
From: Andrew townshend
27 September 2018 11:14 AM
From: Andrew townshend
26 September 2018 09:12 AM
From: Andrew townshend
26 September 2018 09:01 AM
From: Andrew townshend
25 September 2018 09:08 AM
From: Andrew townshend
24 September 2018 10:24 AM
From: Andrew townshend
21 September 2018 10:23 AM
From: Andrew townshend
21 September 2018 10:19 AM
From: Andrew townshend
21 September 2018 10:15 AM
From: Andrew townshend
19 September 2018 09:28 AM
From: Andrew townshend
19 September 2018 09:20 AM
From: Andrew townshend
18 September 2018 09:54 AM
From: Andrew townshend
18 September 2018 09:47 AM
From: Andrew townshend
17 September 2018 09:10 AM
From: Andrew townshend
17 September 2018 09:05 AM
From: Andrew townshend
14 September 2018 09:19 AM
From: Andrew townshend
12 September 2018 10:05 AM
From: Andrew townshend
11 September 2018 09:30 AM
From: Andrew townshend
10 September 2018 10:42 AM
From: Andrew townshend
07 September 2018 09:37 AM
From: Andrew townshend
07 September 2018 09:29 AM
From: Andrew townshend
06 September 2018 09:11 AM
From: Andrew townshend
06 September 2018 09:00 AM
From: Andrew townshend
06 September 2018 08:53 AM
From: Andrew townshend
05 September 2018 09:38 AM
From: Andrew townshend
04 September 2018 09:24 AM
From: Andrew townshend
31 August 2018 10:53 AM
From: Andrew townshend
30 August 2018 09:06 AM
From: Andrew townshend
29 August 2018 09:40 AM
From: Andrew townshend
29 August 2018 09:28 AM
From: Andrew townshend
28 August 2018 22:33 PM
From: Andrew townshend
28 August 2018 09:23 AM
From: Andrew townshend
28 August 2018 09:20 AM
From: Andrew townshend
28 August 2018 09:16 AM
From: Andrew townshend
24 August 2018 10:19 AM
From: Andrew townshend
24 August 2018 10:14 AM
From: Andrew townshend
23 August 2018 09:46 AM
From: Andrew townshend
23 August 2018 09:36 AM
From: Andrew townshend
22 August 2018 09:00 AM
From: Andrew townshend
21 August 2018 09:00 AM
From: Andrew townshend
20 August 2018 09:27 AM
From: Andrew townshend
20 August 2018 09:21 AM
From: Andrew townshend
20 August 2018 09:17 AM
From: Andrew townshend
17 August 2018 09:17 AM
From: Andrew townshend
15 August 2018 09:37 AM
From: Andrew townshend
14 August 2018 10:00 AM
From: Andrew townshend
10 August 2018 09:15 AM
From: Andrew townshend
10 August 2018 09:09 AM
From: Andrew townshend
10 August 2018 09:06 AM
From: Andrew townshend
10 August 2018 09:01 AM
From: Andrew townshend
09 August 2018 09:37 AM
From: Andrew townshend
09 August 2018 09:32 AM
From: Andrew townshend
08 August 2018 09:16 AM
From: Andrew townshend
08 August 2018 09:10 AM
From: Andrew townshend
07 August 2018 09:45 AM
From: Andrew townshend
06 August 2018 09:29 AM
From: Andrew townshend
03 August 2018 09:43 AM
From: Andrew townshend
03 August 2018 09:39 AM
From: Andrew townshend
03 August 2018 09:31 AM
From: Andrew townshend
02 August 2018 09:22 AM
From: Andrew townshend
02 August 2018 09:12 AM
From: Andrew townshend
31 July 2018 08:56 AM
From: Andrew townshend
31 July 2018 08:50 AM
From: Andrew townshend
30 July 2018 09:03 AM
From: Andrew townshend
27 July 2018 10:47 AM
From: Andrew townshend
27 July 2018 10:39 AM
From: Andrew townshend
27 July 2018 10:34 AM
From: Andrew townshend
27 July 2018 10:28 AM
From: Andrew townshend
26 July 2018 08:59 AM
From: Andrew townshend
25 July 2018 10:43 AM
From: Andrew townshend
23 July 2018 08:51 AM
From: Andrew townshend
20 July 2018 09:36 AM
From: Andrew townshend
20 July 2018 09:32 AM
From: Andrew townshend
20 July 2018 09:23 AM
From: Andrew townshend
19 July 2018 09:28 AM
From: Andrew townshend
16 July 2018 09:34 AM
From: Andrew townshend
16 July 2018 09:30 AM
From: Andrew townshend
16 July 2018 09:21 AM
From: Andrew townshend
13 July 2018 09:25 AM
From: Andrew townshend
13 July 2018 09:22 AM
From: Andrew townshend
12 July 2018 09:03 AM
From: Andrew townshend
12 July 2018 08:53 AM
From: Andrew townshend
11 July 2018 09:27 AM
From: Andrew townshend
11 July 2018 09:24 AM
From: Andrew townshend
11 July 2018 09:21 AM
From: Andrew townshend
11 July 2018 09:19 AM
From: Andrew townshend
10 July 2018 09:26 AM
From: Andrew townshend
09 July 2018 15:24 PM
From: Andrew townshend
06 July 2018 10:07 AM
From: Andrew townshend
06 July 2018 09:59 AM
From: Andrew townshend
05 July 2018 20:39 PM
From: Andrew townshend
04 July 2018 09:40 AM
From: Andrew townshend
04 July 2018 09:36 AM
From: Andrew townshend
03 July 2018 09:37 AM
From: Andrew townshen