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The Growing Issue of Welfare Reforms and Landlords

Scissors cutting money in halfThe welfare reforms have been discussed at length in the news recently, mainly due to the fact that they are affecting thousands of people across the UK. The coalition government claim that the whole point of the welfare reforms is to make the benefit system fairer, however a number of schemes have already put some people in danger of losing their homes. Here, PropertyQuoteDirect looks at the issue in further detail: Continue reading

Preparing your Holiday Home for Summer

Image of Holiday HomeWinter is officially well and truly behind us, which means that people across the UK are now starting to think about their next holidays. Landlords who own holiday homes should therefore start preparing their properties as soon as possible in order to ensure that they are filled before the holiday season begins; however this can often be a bigger job than first expected. Here, PropertyQuoteDirect looks at how you can prepare your holiday home as quickly as possible: Continue reading

How Landlords can Protect their Finances

Image of bank notes and calculatorThis week has been extremely busy for landlords, as George Osborne announced his plans for the UK economy in the Budget 2014. Naturally, there are points that some are happy with – such as the fact that non UK residents will soon also have to pay Capital Gains Tax – however there are others which are raising concerns.

This is why many landlords are now taking the time to make sure that their finances and investments are secure. Here, PropertyQuoteDirect looks at some of the most prominent issues that landlords may face in the near future: Continue reading

Predictions for the Property and Private Rental Markets

Image of terraced housingDue to the effects of the recession, even the smallest of changes to the property and private rental markets can have a huge effect on landlords, and unfortunately it looks like things are set to change very soon. 2014 has already seen both markets starting to re-gain momentum, however not everyone is as pleased about this as others. Here, we look at some predictions for the property and private rental markets which could affect your business in the near future: Continue reading

Preparing your rental property for flooding

Flooding

With the risk of flooding being very real for many at the moment, it is important as a landlord that you have done all you can to protect your investment as well as your tenants. This is why PropertyQuoteDirect has put together a guide on the best ways of ensuring you are as well prepared for the floods as possible.

Obviously, the main point of flood proofing is to keep water out or at least as much as you can. If your properties are flooded then once the risk of further damage has decreased remove all flood proofing equipment to let your property dry out.

Sandbags

One of the most practical ways of flood proofing your rental home is to provide your tenants with sandbags. You can get hold of these from local builders or merchants. There have even been some designed especially to reduce for flooding.

Windows and Doors

If and when you are giving your property an update consider having flood proof windows and doors, especially if you are in a high risk area. You can also purchase flood boards that have been purpose built and only need to be used when your property is at risk. Another good idea is if you can, have the door thresholds a little higher, this will mean that if the flooding only brings shallow water, the property should be safe. Continue reading

First Time Landlord Checklist

The private rental sector plays a huge role in providing comfortable homes for people, so having access to the right information is important, especially for first time landlords who may need guidance to be able to run a successful business.

PropertyQuoteDirect understands that becoming a first time landlord can be daunting which is why we have created a basic checklist that’s easy to understand.
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Time for Change in January

Chair

The New Year tends to bring change for many people, including where they live. Whether they are buying a property or looking for a new property to rent, there are many reasons for ensuring that if you are looking to sell a property, or you need to find a new tenant, that it will attract as much interest as possible. After all, the more people that want your property the more money you will be able to make!

The best way of ensuring that your property will attract attention is to have it decorated in order to suit all tastes. If you have put your interior design stamp on the property it might not be to everyone’s taste and may even put some potential tenants off, so it’s essential you pick a neutral design.

With this in mind, here at PropertyQuoteDirect we have come up with the best trends to look out for in interior design in 2014, and what you should be doing to make your property as attractive as possible. Continue reading

Help to Buy Made Easy

Money

With phase two of the Help to Buy scheme recently launched there is some confusion as to what is on offer and who is eligible for what. With this in mind we have come up with a guide so landlords can find out what buyers can get from the scheme and how this may alter the market in the next couple of years.

The second phase of the Help to Buy scheme was launched earlier on in the year, which means that properties worth up to six hundred thousand pounds are now eligible. Furthermore, those who have a deposit as little as 5 per cent now have more mortgage options available to them.

The scheme isn’t just for new build properties either – buyers can purchase a pre-owned property in England, Scotland and Wales regardless if they are first time buyers or current home owners, although the scheme is not available for buy to let investments.

Getting a Mortgage

Whilst the scheme is aimed at getting the housing market moving again, the increase in demand and the lack of supply is pushing house prices up. Although it is now easier to get a mortgage at a cheaper rate there is a high chance that if you only have a small deposit you will also face some harsh affordability criteria. If you have a good credit rating, can prove you can make the repayments and have a 5 per cent deposit you are likely to be accepted for a mortgage, but if you can stretch to a 10 per cent deposit mortgage rates will come down significantly. The bigger the deposit the better mortgage you will receive. Continue reading