Blog

Do you need landlord insurance?

Posted: 11th Nov 2017

Whether your buy to let property is the focus of a concerted business undertaking or whether you have fallen into the role as a more or less “accidental landlord”, the moment tenants are paying to rent your dwelling, you are almost certain to need landlord insurance. Standard forms of insurance When you arrange building and Read the full article…

Universal Credit and landlords

Posted: 3rd Nov 2017

From the high cost of calls to the Department of Work and Pensions helpline, to the six-week delay until back-dated benefit payments are received, media coverage of the government’s rollout of the new system of Universal Credit has – quite reasonably – focussed on the plight of affected recipients. Universal Credit – in a nutshell Read the full article…

Who needs unoccupied property insurance?

Posted: 28th Oct 2017

If you are the landlord of buy to let property, one of the last things you want is the so-called “void” – the period of time during which there is no tenant in the residence, and therefore no rental income on which your business relies. But there may be occasions when that state of affairs Read the full article…

What does rent guarantee insurance cover?

Posted: 22nd Oct 2017

This autumn sees the government rolling out its much vaunted universal credits system of social benefits. Amongst the areas affected by the new rules is the replacement of the former system of housing benefit for those on low incomes, who are struggling to pay their rent. According to a report in the Guardian newspaper on Read the full article…

Are you increasing your rents?

Posted: 14th Oct 2017

Landlords of buy to let property have been under increasing financial pressure in recent years. Probably the biggest challenge to running a profitable business has been the effective increase in taxation, following the decision to abandon tax relief on mortgage interest repayments paid by landlords. But other regulations, such as an increase in Stamp Duty, Read the full article…

Protecting yourself from property fraud

Posted: 3rd Oct 2017

Property fraud is one of the fastest growing crimes in the UK, according to press reports. The principle is alarmingly straight forward and simply described by the property website Just Do Property. It involves the effective theft of your property by criminals who steal your identity and, by impersonating you, go on to mortgage or Read the full article…

Boom in UK holiday homes

Posted: 13th Sep 2017

Have your dreams of owning a holiday home taken a knock by worries about the falling pound if you are looking to buy abroad, or the uncertainties which continue to surround Brexit? Then you might take heart from the apparent boom in the purchase of holiday retreats much closer to home – in Britain itself. Read the full article…

Landlord Insurance for Students

Posted: 26th Aug 2017

If you have teenagers yourself, you probably know that students tend to be in a class of their own – and, as tenants, this typically puts them in a special category as far as the landlord, in terms of his particular obligations and the specialist landlord insurance for students that is needed. Landlord insurance It Read the full article…

What does renovation insurance cover?

Posted: 24th Aug 2017

Renovation – building works which might include anything from a new extension to refurbishment and remodelling – might transform any property, making it a more pleasant home in which to live, making a buy to let property more attractive to rent, and increasing the overall value of an already substantial investment. But if you are Read the full article…

Should I turn my let property into an HMO?

Posted: 14th Aug 2017

Some buy to let property is especially suited for use or for conversion into dwelling units comprising bedsits or bedrooms, for tenants prepared to share facilities such as a kitchen and bathroom and toilet. From the landlord’s point of view, space in the property is maximised, fewer facilities need to be installed than in self-contained Read the full article…