Rozza

Do you have a link to which thread your issue is in, ill go have a read Possibly i'll be clueless but if i can provide any pointers ill be glad to try

For once I actually kind of agree with you. I actually think many landlords could be fairly reasonable about this, unfortunately as soon as an EA gets involved any kind of nicety goes out of the window and they try to take a "we can and we will" attitude. If these slimeballs were removed from the whole process, and lets be honest they add next to nothing to anything anyway, then probably in many cases not involving slum landlords or dodgy tenants things could be a lot more amicable. When we moved in the EA tried the old "we are doing an inspection on x date" routine with me, they were answered very rudely with a) no they werent and what would happen if i found out they did. My landlord however wanted to come and check the state of a tap which he knows leaks (still hasnt fixed it but thats by the by) and i was asked if he could and when might be convienient so we worked something out Differnt approach from them led to different answers from me

The answer to that is obvious (I know you know this, it cheers me up to say it) The surveyor actually has a clue what he/she is on about... ok to a point The EA pulled the valuation out of his backside

Not disagreeing with this for one second, but you have brought up a thought in my head which I think is worth highlighting Most people i know who own their property think they are pretty much guaranteed to keep it so long as the payments are kept up, as im sure i will feel the same when i purchase However, i wonder if people who were issued with compulsary purchase orders felt the same before they had the letter arrive on their doorstep informing them otherwise? I assume its a fairly rare occurence but it does show that in this country of our even what is yours isnt yours if the powers that be decide otherwise

It can be served any time, but with a date to expire not before the end of the fixed term. Section 21 does NOT end a tenancy, only a court can do that (ignoring mutual agreement here) So if you have a three year fix for example then it's reasonably difficult but not impossible to get you out if there is no break clause until after the three years Personally I think the fact section 21 expires is stupid, it would make far more sense if they were set to become active on a date, to me expire means no longer valid, but in this case it's the reverse.. Bloody legalese!!

If the tenancy becomes periodic you don't pay a renewal fee as you haven't renewed, I would very politely tell them to feck right off. In fact even if u renew don't pay, if u are happy to renew then tell the landlord that u will renew but are not paying a fee, doubt he/she will want to lose a tenant to line an ea pocket

1- Reason to buy - Advantages -........ Interest rates are low You can make changes to the property if you really want 2- Reason to buy - Disadvantages -... House prices are massively overpriced Any and all repairs and maintenance are your problem 3- Reason to rent - Advantages -...... Easy to move if stuck with idiot neighbours or better options available for work or a good property pops up. i.e fancy a garden.. yes... no thats too much work.. move to somewhere without In the correct circumstances it is possible to rent a property for far cheaper than it would be to buy it 4- Reason to rent - Disadvantages -.. Many landlords dont know their a$$ from their elbow, so for repairs and stuff if becomes a battle

I am the first one You are a troll and i claim my £5

Firstly I agree your post was very garbled Secondly, i cant believe im replying to what is quite clearly a spam advert for a post you wrote on another site which you think is amazing Having read it, i disagree with you ... because it isnt awesome

Can you please tell us where you can get 3pc fix on a 75% LTV with £500 fees as i havent seen anything like that available at the moment Also, are you not worried about what could happen to rates in the next 3 years?

Not saying it cant happen, but the timeline you have presented would make it extremely unlikely this is true and also since july 2011 interest rates on mortgages have risen so how have you managed to go from a 90% crap rate to a 75% good rate, when to be honest the 75% rates available are fairly crap?

I would probably agree with FatmanFilms, i cant see why they would apply as its not selling as such

Very good points, meanwhile there is zero percent proof that the landlord is legally allowed to rent out the place or that they are even paying the mortgage The reason im difficult with inspections is simple, "I am the customer", they are not doing me a favour, they are getting well compensated for their asset!

I did spot it, but assuming it isnt a seperate document then it can be classed as unfair Of course, if it is seperate, then i agree.. its not good

My sisters agent used to do this, when i found out i asked her why she tolerated it and got what i considered an unsatisfactory response. So i phoned the agent from her house and asked them why they thought a) it was necessary and should be allowed They said they "had to view it regularly" so i asked where in law this was specified and they couldnt answer,so i then explained that they wouldnt be doing regular visits any more as my sister would take that as harassment and we would prosecute them. The agent didnt like this at all and proceeded to tell me that "we will visit whether you agree or not and whether you are there or not as we are allowed" (obviously not the exact words) so i said something along the lines of "well i should just inform you that whichever one of your agents enters the property without permission is personally committing the offence and will personally be held liable for prosecution" the woman went very quiet and said her manager would be in touch, this was about a year ago.. no visits since If you dont like to have the conversation then simply change one of the locks, there is absolutely nothing to stop you doing this, and although the agent will shout and whine you can ignore them

Dont disagree with this at all, To clarify, i was referring to the case where the tenant didnt answer the landlord, therefore in an emergency the landlord would probably legally get away with gaining access, and i also think if the tenant denies access for an emergency then they should be held liable as that would just be stupid

Pretty simple one this Is it legal NO!, the landlord does have a right of access in emergency (inspection is not an emergency as the tenant can argue the landlord should have planned the inspection in good time) The landlord has a right of access for viewing the condition of the property, however this goes hand in hand with the tenants rights as the legal holder of the property so the landlord should gain consent to do this. I would suggest a letter to the EA explaining what occured was not satisfactory and that they are not to do it again, i would also explain i had taken legal advice (how do they know you havent) and if they enter without permission again then action would be taken, also point out that them gaining access in this way will invalidate your contents insurance and therefore they will be held liable for any missing property As a last resort i would also note this down in a diary somewhere for two reasons 1) in case it needs to be referred to in a dispute later 2) to remind myself once i have given notice to change the locks and not to allow viewings, and when the landlord asks why im being difficult i would say "ask your EA who thinks its quite legitimate to illegally enter my property whenever he likes"

Wouldn't do this, point one will sound like you didnt have them cleaned but acknowledge you should have (you didnt have to by the way) My argument would go, The carpets were cleaned when we moved out and are now in a better state than when i moved in, therefore the landlord is attempted to gain betterment. Job done!

To do the calculations based on a 75k deposit would also means taking into account all of the opportunity costs too, which is impossible Just because you didn't understand and are a bit overly pleased with yourself doesn't mean you have to act like a tit As to the quality of my maths.. I think you will find the maths was dead on, why don't you try and provide a concrete example with your 75k deposit if you think you are so clever, obviously you wont as you quite simply don't understand do you

If you are going to flame at least get your facts straight I clearly stated you cannot get the mortgage With no deposit, the point was to show in an example of renting vs buying costs As to what I will end up with, well frankly that's none of your business but just to shut you up I'm over 35 and understand the situation perfectly. I live in a property which has decreased in value by over 10% since I moved in (place opposite sold so I know this) and in that time I have saved and invested so if I wanted to buy where I now rent I could do with a very large deposit

Apologies if this rambles but i thought it was about time somebody worked out some real figures, so i will use my own actual case The property i live in was bought for £250,000, So in order to square things off if we start with a mortgage for the full amount, no deposit and assume we can get a 5% interest rate on a mortgage with no deposit (which obviously you cannot) the real figures look like this House price £250,000 deposit 0 interest 5% monthly payment £1,461.48 Total Repayable £438,442.53 5 years payments £87,688.80 (as i plan to work out the financial position after 5 years) I then rent this property for £890 a month, leaving my figures as follows (assuming i put the rest of the mortgage payment in the bank) Monthly Rent £890 Saved per month £571.48 Paid out over 5 years £53,400 saved After 5 years £34,288.80 I have assumed the money has gone into an account which doesnt pay interest as it makes it all a lot easier If after 5 years i now buy the property (its gone down in value, but i will still pay the full £250,000) It would look like this House price £250,000 deposit 34,288.80 (The amount i have saved from the mortgage payments) interest 5% (Edit to add, ive left interest alone, it would be cheaper now you have a deposit) monthly payment £1,261.03 Total Repayable £378,307.86 The difference between total mortgage costs is £60,134.67 and to achieve this I have paid out £53,400 in rent Obviously you would then get a cheaper mortgage rate as you now have more than 10% deposit which skews the figures more towards renting and the £571.48 saved per month could have been put into an ISA earning worst case 3% tax free Hope this is of some use to people!

That only applies if youbuy cash, otherwise you are renting from the bank until its paid off so the potential to have to move is just the same (ok slightly less)

What if your rent doesnt rise at all Ive been in the same place for 3 years and mine hasnt moved, and in that time ive had a new boiler, new shower and a variety of smaller repairs done... all for free (well to me anyway) Meanwhile the amount i have saved towards the deposit to the house means that if the price of the house i want to buy hasnt moved in the last three years (its actually gone down a little) then i will save double the cost of the rent over the lifetime of the mortgage So from a purely financial perspective im up

If your granny paid top whack in 2000 and has worked hard "ALL" her life to paydown the mortgage Then your granny is a maximum of 12 years old Therefore you really should report your grandfather to the police. Also, did the youngster turn up in a cheap 12 year old car to make a low bid while keeping the nice car at home.. its what i do so people dont see dollar signs when i arrive

Dont be so bloody ridiculous!! Why would they pay 70k when it will only be worth 7k On a more serious note a service charge of 3200 pa sounds ridiculous given that the company will at best mow the lawn twice a year and maybe wave a fan in the direction of the gutter hoping the wind generated will clean them so id stay away for that reason on its own, even before we get to the price and condition