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Will Your Property Appeal to Renters and Do You Know What Being a Landlord Entails?
by
Michael Challiner
Following on from our last article Renting Is Not As Buoyant As It Used to Be, we go on to discuss what you need to do to successfully rent your property and your responsibilities as a landlord.
Properties belonging to accidental landlords will usually need some money spending on re decorating them to make them more universally pleasing rather than decorated to a personal taste as a private home would be.
You need to ask yourself if you are prepared to make the necessary investment in the property, and whether you are prepared to refinance in order to make that investment. If not, you may struggle, says a spokesperson from Knight Franks residential lettings department.
The National Landlords Association (NLA) says that more then 70 per cent of landlords expect rent arrears problems in 2009 and warnings are being made to highly geared homeowners to be very cautious.
A spokesperson from the NLA warns, For the highly geared landlord whose monthly mortgage payments rely heavily on monthly rental income, tenants not paying can quickly spell disaster. Buy to let loans are offered on 25 per cent deposits but the experts say you need more than this to make any money now. The only landlords who are going to make lets work over the next couple of years are those with a decent slab of equity in their property around 40per cent, a spokesperson says from head of residential research at Knight Frank.
On deciding to rent you property you must inform your lender immediately or you will be in breach of contract and if the lender were to find out they could make you pay back the mortgage for breaking the contract and corporate tenants know better than to sign a contract without proof of your lenders consent.
You may have to switch straightaway or stay as you are for a specific length of time depending on your lender. However, switching immediately can be difficult due to lack of deals and the prohibitive cost of both rates and fees. In addition to getting permission from your lender, you need to inform your household insurer, and if you are planning to let your property furnished it is worth getting specialist landlord s insurance.
It is a good idea to join a landlords association as they will keep you up to speed on ever changing rules and regulations and will also offer discounts on certain services such as insurance. Membership fees do vary but the average is about 70 pounds per year.
Every landlord must have an Energy Performance Certificate (EPC) which lasts for 10 years and has to be available for a tenant to inspect. It is also a requirement for deposits to be held by a deposit protection scheme like the Deposit Protection Service, or Mydeposits or the Tenancy deposit Scheme, both insurance backed schemes. Rental houses in multiple occupation (HMO) must be licenced by the landlord and adhere to rules and regulations as set out by the local housing authority.
Finally, there are a plethora of health and safety regulations which must be upheld and the landlord is responsible for maintaining the property and any appliances, furniture and any electricity or gas systems. A letting agent or a landlords association will be able to advise on everything that must be supplied or done.
Author Resource:- Loan Explorer provides a vast range of information and articles on (http://www http://loan-explorer.co.uk) all types of Loans.
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From the start, a positive attitude is needed. They should be saying and thinking I will do it, and I can do it. The intent to be successful is transforming, and the womb of all Success. Even Failure is a Success in Failing.
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A pole vaulter, being interviewed after he had just done his best vault of the meet, was asked : How Did you achieve such a high vault ?, His answer was, I threw my Heart over the bar First.
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In the Broadway musical Damn Yankees, the coach is giving a pep talk to players before the game. As he tries to motivate them, he sings the song "You've gotta have heart - all you really need is heart."
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Click Here Twice a Day and Sing along ..
Meditation
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Understanding Financial Success and Preparing your Life for it requires a daily practice for new habits. Change your Mind - Can and Will Change your Life. These powerful techniques and financial habits will motivate you and develop your inner drive to attract financial success in your life. .
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I'm not a salesperson! I probably couldn't sell beer to
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Build Backlinks
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Get your 106
Passive Income Websites Visible.
Madeline averages $378,000 a year .
By her own admission, she's no guru, geek or rocket scientist, yet she does this year in and year out.
Surprise Software Downloads
Every day, the Latest Software, ebooks and Products will be beamed directly here from FThe Command Center, to this website. Bookmark it and return to it over and over every day to get your latest Surprise Download just for visiting.
Refresh this page, and just maybe there will be fresh new downloads right here on rotation. There is always a surprise gift for you to download.
The Home Income Portal is very impressive! I normally get around 3-4 JV requests
everyday from people wanting me to review a business (I turn down most).
But when I discovered The Home Income Portal I knew I had a killer business, so I had a
jumped at the chance to build more income from Home.
This
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Anyone who owns a Home Income Portal Franchise will have an extreme advantage over the
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Good job guys.
Nicholas Sparkidoupoulos
Harry Belafonte
Sit Back, Relax and allow the sounds of Harry Belafonte to take you on a vacation, while you accumulate your fortune. click here to listen
Carnival Calypso
The Folksy street Sounds of Trinidad & Tobago, called Calypso. Listen to the Calypso oldies here.
Perfect for newbies This tutorial will show you how to edit 
I use the Traffic Train to get customers to buy from my business. 
Bhuddist Chants to draw you into a peacful and silent state of mind, ending with tibetan bells to guide
you into the void and prepare you to attract the good things into your life. 
Purchase something online
every single day
??