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I would love the opportunity to ask a few questions to obtain insightful feedback to problems you face or may have faced whilst gaining valuable experience along the way. Here is a link to google forms where you will be asked a selection of short questions which will help me build a picture of effective ways to communicate alongside potential clients with greater accuracy, insight and certainty. https://docs.google.com/forms/d/e/1FAIpQLScJbaQSTMyrIWFtfrX80IDOHmnyEDLB091Bm_Bt-_4Bbwc3Ew/viewform?usp=sf_link Many thanks for taking time to read this topic. Michelle

Hi during the really windy weather someone had left the front door of our block of flats open. It came off. So now we have no block front door. It has been like this since October! I have asked the landlord multiple times to fix this as rats keep coming into the block. (It’s a small 2 story block with 4 flats in he owns them all). Just wondering if there is anything I can do to make him fix this asap. thanks.

Hi, Can anyone please advise if fees paid for a snagging report on a new build property would be considered a capital expense or a revenue expense by HMRC? Many thanks in advance.

Would someone be so kind and look at my problem and give me some tips or advice? I wrote it down chronologically to make it easier to get an idea of the case. Fact one. We are residents (in 2012/13 we moved to the UK) – we do not have any property here yet. Fact two. In 2008 we acquired the property in Poland – we have a marital property community (STATUTORY MARITAL PROPERTY PARTNERSHIP). What we acquired is a plot - BUILT-UP PROPERTY 1500m2. On which there were two properties. detached residential house (single-family) with a usable area of 33,46m2 consisting of two rooms, kitchen, and bathroom (built before 1945) and temporary structure – cabin (camping) not permanently connected to the ground. my wife, children and mother-in-law are registered there. Fact three. Now we are in the process of selling it. From what I know I will not have to tax it in Poland because more than 5 years have passed since the purchase. Part of the money from the sale will remain in Poland – as a donation to my mother-in-law (daughter/mother – so tax-free) Our concern. Unfortunately, there is a doubt related to the entries in the Land and Mortgage Register, and thus in the future sale contract. At the moment in the Land Registry, there are records of objects on the plot, which do not exactly correspond to reality. NON-RESIDENTIAL BUILDING, another, floor area about 41m2 NON-RESIDENTIAL BUILDING, another, floor area about 32m2 NON-RESIDENTIAL BUILDING, another, floor area about 39m2 The facts, however, are the same as when we bought (frankly speaking, we do not know where this entry is currently in LR – probably someone from Land and Mortgage Register Department wrote that record from the time before we bought the property). This is of little importance to the person acquiring (after the purchase, they will make appropriate corrections in the Land and Mortgage Register) and it does not matter for us unless it could affect the taxation of the one in the UK (then we will make the correction in agreement documentation). And here comes a question to you: Will we have to tax it in the UK after the sale? What are the legal and fiscal implications of this sale on us in the UK? If the non-residential building is included in the sales contract (the current provision in LR) could it affect the Capital GainsTax? When we want to buy a property in the UK for the money we get, can it have an impact on taxation in the UK by providing the source of the money after the sale (with the current entry in LR)? Could someone suggest anything? I'm stuck in a dead-end or maybe I'm asking the wrong questions. Thank you in advance for your reply. Kind regards Marcin Przepiorka

I am from the UK but I now live in South Africa. I set a goal to make my first property investment this year. I have put a 2k reservation fee down for an off plan apartment in Manchester back in July 2020 to be completed Q2 2022. The process has been taking a long time and it brought up issues with the developer as my but to let mortgage is looking likely to come through a Shariah bank who have said they are willing to give me a mortgage at this stage. Once the property build is complete in 2022 the sellers solicitors will serve notice to complete in 10 days. My solicitor has ironed out a few points but have said to the developer that they will not allow me to exchange contract unless the developer makes this conditional to me obtaining my mortgage. My mortgage is not going to be put in place for a good while yet and I cant seem to think a developer would agree to this anywhere in the world? I am in the situation now where I override my solicitor and exchange with the risk of not getting a mortgage and trying to pass on the contract to someone else or I walk away and lose my 2k reservation fee. I am not sure what other options I have? Can anyone offer any advice? Thanks. Alex

Hi all, I should be getting the keys my 1st BTL next month and I’m super excited but I’m toying over wether to furnish/part furnish/unfurnish the property. It’s a beautiful Yorkshire stone 2 bed terraced (hardly needs any work) in a lovely area, also the vendor is gratefully leaving the settee, range cooker plus wardrobes. My dilemma is do I leave it as is? Spend more ie washing machine (for which I’d be liable for) beds, tv etc! Id be very grateful for all advice Diane

Hello all, I am looking to start my property investment journey, but I'm hoping someone might be able to advise me about the affect of SPV purchasing on your status as a first time buyer. If I buy a BTL property as the director of a SPV, would I still count as a first time buyer when I come to buying my own house? Would I be able to use my LISA when buying my own home outside of the SPV? Thanks in advance for any help and/or advice.

Hi this is my first post , I am 23 years old and hoping to purchase my first property in the next 2 years however my question in the world of property investing is that as i am a first time buyer i have been contemplating buying a property with a residential mortgage and the 6/12 months later moving location and then notifying the bank and obtain different job elsewhere and putting the property on rent and moving back in with family. Has anyone else done this ? And if so how have you faired ? And what are peoples thoughts of this?

Hi I have a good tenant who wants to move his girlfriend in - I have no problem with this. She is a student with student accommodation and has asked that she isn't put on the tenancy agreement but is given consent to be an occupier instead. I think she wants it this was for her benefits situation. Does anyone have experience or advice around this? thanks Daryl

Hi Guys, my name is Seb and I am a total novice in the property investment looking for some wisdom and advice from fellow forum members. My wife and I are currently in the middle of purchasing our first BTL property in Stoke-on-Trent and recently we have received the homebuyer report which has highlighted some structural problems with the property. The main area of concern is unsupported chimney stack in the loft space. Due to this issue the surveyor estimated the current market value of property as £0 (zero) with the advise to get some experts to provide some quotations for remedial work. Do you think I should get couple quotations from the tradesmen and use it to negotiate lower selling price or ask the vendor (via estate agent) to rectify the problem before we proceed any further ? Many thanks for any suggestions.

Hello Hubbers, This is week three in my journey into property investment, I have always had an interest in property but that was more towards finding a perfect forever home. After doing some digging and thankfully coming across Rob & Rob's podcast and subsequently The Property Hub it has really lit the proverbial fire into what will become a successful venture in the future. I currently reside in Herefordshire, as the title suggests, with my family so that is ideally where I would like to start my investment portfolio and eventually search further a field after getting my feet wet. Buy-to-lets (2-4 bedroom houses) with a strategy to buy-refurb-refinance is the aim, cash flow is key. In 1-2 years I would like the portfolio to match 1/2 my currently salary and 4-5 yrs - match/beat my whole current salary and in 10 years (ideally sooner) have the financial security to quit my job, focus on property and make a really difference by developing houses/projects from the ground up in the community. I know that this is the start of a very exciting chapter and all the research I have been doing, although daunting, is very interesting (certainly is a lot to get your teeth into) - that being said I could certainly do with some help to really focus on the direction, plan/goals that I have started writing/planning. If there are any Hubbers in the area I love to have a chat and for those with the experience anywhere else Id really appreciate a helping hand and hopefully in the future I can pay it forward. Thanks to Rob B & Rob D for really cementing the drive to get into property development, you guys do great work, your a credit to your industry and above all present and deliver your content with such consideration and professionalism. Kind Regards Chris

Hi there If anyone is able to give me some advice I'd be really grateful. I have a flat with a tenancy ending May 5th. 2 tenants who are friends. One is moving out. The other doesn't want to move out due to concerns over Covdi19 and wants to stay put and continue to pay his half of the rent. He also doesn't want to have someone new coming into the flat at this time. I have sympathy with his situation plus, it's unlikely I will be able to get new tenants, so having some income would be helpful. I'd like to be able to find a way to help him stay in the short-term, but where we are both still protected by a contract. 1. My understanding is that the AST cannot become a periodic tenancy since one tenant is moving and therefore the contract as it exists effectively ends. What kind of contract would I need to have in place for him to be able to stay for a couple of months, or until the lockdown is lifted, whichever comes sooner? 2. I am currently working through an agent who have been terrible and under normal circumstances my agreement with them would also have been ending on 5th May. I have asked them for help on this so that we can help the tenant, and because I am trying to abide by the terms of my agreement with the agent. However they have suggested the period tenancy or an extension to the existing tenancy - both I think cannot be done because one tenant is leaving, therefore the contract cannot remain the same. I can't get a response from them to move this situation forward. What options do I have to end the relationship with them but still help the tenant? Thanks in advance. Esther

Hi guys, This is my first post in the forum! A bit about me and my situation to begin. I'm 24 and live in Chelmsford, Essex. I bought my own flat BMV in May 2018 and have just completed a full refurb on it to add value. I am hoping to finance to the new value and pull out equity to invest in April 2020 when my mortgage product runs out. I have also saved £17k cash that I am looking to put towards a BTL investment now. I am investing mainly for cash flow for the time being. I'm a fitness instructor and teach around 20 exercise classes a week as well as seeing sports massage clients, teaching swim lessons and managing a gym in central London. My job is very physically demanding and I want to have a revenue stream from property that I could fall back if I were to get injured and be unable to teach. I have been concentrating my search in Liverpool as it has seen a lot of growth and development in recent years but is still cheap enough that I can afford a starter two bed terrace or apartment, around £60k. I am going up on Monday to visit but am looking for some insider knowledge before my trip as all my own research is producing contradicting views on how rough some areas are! I have booked to view some properties in Bootle, Wavertree and Wallasey but have heard mixed reviews about all three areas (which I suppose is understandable as they are clearly the cheaper areas of the city). Do any of you currently invest or live in these three areas? Have you experienced any problems with tenants or struggled to let out properties in these areas? Are there any other postcodes I should be looking in to with my £60k budget? Any advice would be massively appreciated

Hello Everyone, Im very new to the property investment game and i have so many questions, i dont know where to start. So i will keep this intro as simple as i can. (i do have the tendency to waffle tho, so apologies if i do!) I have done a lot of research, read a book (guide to property investment by robert dix) and forums, I have a start and end goal in place (im following robs business plan guide too) I am currently looking to remortgage my own home to fund my first property investment (end of November) Im now starting to learn about the property cycle SO MUCH TO LEARN!!!!! and thats my point....i feel like im swimming in so much property jargon that i can not focus my sights on an actual practical strategy to start with. I could really do with some advice. Some key but vague details that may be useful I will probably end up with about £30k to invest with and have very little income to save (currently £50 a month) I live in ipswich and do not mind where i invest as long as the numbers work! i have little time to commit , probably a couple of hours a night and a little more at weekends My wife and I will be the names on the deeds! im good a spreadsheet, and DIY My wife is good at organising the paperwork (and me!!!) I have no idea if this is enough info to work on...so i will leave it there and if i am blessed with a reply i will dutifully reply with puppy eyed eagerness!

Hi I am hoping someone can help me.......I am looking to purchase a first floor flat which is above a shop and it has 2 other flats above it, the shop itself owns the freehold from the floor to the ceiling of the shop then there is a head lease owned by a third party in place which covers the additional 3 flats above the shop starting from the first floor to the 3rd floor. Each flat then has its own lease under the head lease. In the past there have been problems trying to sell the flat due to the fact that mortgage companies don't like/understand the head lease. I am able to purchase the flat as a cash buyer and also the head lease which I believe in effect means I should have a bit more control and then be able to refinance, this is my plan anyway. If anyone can give me any help or advice on this type of thing from either a lease or a mortgage perspective I would be very grateful, regards Justin