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LettingFocus

Unbiased buy to let, property investment and letting coaching, mentoring, advice and seminars for landlords from top selling property author and media commentator.

LANDLORD LICENSING AND REGISTRATION SHOULD BE CENTRALISED SAYS LETTINGFOCUS.COM

John Blackwood, a director of the Scottish Association of Landlords tells me he knows of many landlords who have just had their applications for the Scottish landlords register acknowledged and licenses issued by their local authorities – almost three years after they applied for them!
If the government goes ahead with similar proposals in England and Wales, will our local authorities or whoever administers it be as inefficient I wonder?
Perhaps, as Mr Blackwood suggests, it would be better to have a single central authority managing the scheme rather than having the whole thing handled by different town halls with varying level of efficiency.

BUT DO WE REALLY NEED LANDLORD LICENSING?
I would say if we must have it, then it must be enforced in a way that really drives out rogue landlords.
But let’s stop and think.
Who are these bad landlords, who do they prey on and how do they get away with it.
I suggest that a lot of these guys are letting to people in overcrowded accommodation.
I suggest that many of their tenant victims will be people who don’t know the law or who are not confident enough to stand up for themselves for fear that they will be evicted and wont find it easy to get another place to live.
Partly this will because they have a poor credit history (or none at all). I suggest many will be migrants, possibly illegal migrants with little English and perhaps also dependent on their “landlord” for a job.
Now let’s look at the position of a tenant who is not vulnerable but who has a poor landlord.
If this tenant’s landlord fails to carry put basic repairs or meet his landlords’ obligations under the law, the tenant can complain about their landlord and try to enforce their many rights.
OK, it is true, their landlord could carry out a retaliatory eviction at the end of a fixed term contract, but good tenants will soon find a good landlord. And they will know what signs to look for next time.

GOOD LANDLORDS AND GOOD TENANTS TEND TO GET TOGETHER
Personally, I like it when tenants come to me if they are good people but their previous landlord was the sort who could never quite get round to fixing the boiler or sort out the damp problem because I know they will really appreciate me.
The fact is that bad landlords end up with bad and vulnerable tenants and good landlords end up with good tenants and vice versa.
What licensing must do, if indeed it becomes law in England and Wales, is have in place very tough sanctions on those landlords who make VULNERABLE tenants lives a nighmare.
That must mean heavy fines which are enforced fast and a wide publication of the scheme especially among the most disadvantged.
But for goodness sake, leave good landlords alone.
And allow the good landlord to get rid of bad tenants too – and much faster than is allowed under the cumbersome court processes of today.

MORE TIPS ON USING A LETTING AGENT
Make sure you know the law. I know the law is deadly boring but as a landlord you are running a business and this means there are some things you legally have to do and some things you mustn’t do. And if you don’t comply you can face fines and even go to prison.
“Ah”, you say. “But if I’m using a letting agent they will deal with all the legal issues and my landlord responsibilities right?” Well, possibly yes, but don’t bank on it. Some agents still operate without any liability cover and are not part of any bonding scheme. If they go bust how long will it be until you hear about that? A few months, a year maybe?
And what would happen to any rent they were collecting for you in that time and all those gas checks that they are supposed to arrange for you?
So, you have to know the law (see chapter X) and occasionally check that they are doing what they should be doing for you as your agent.
ABOUT LETTINGFOCUS.COM and DAVID LAWRENSON
I’m David Lawrenson of LettingFocus.com - the landlord experts. Read Property Articles.
I’m the author of “Successful Property Letting” which for the last 3 years has been the UK’s top selling property book - buy Property Investment Book. The new edition is for accidental and experienced landlords and is fully up to date with all the recent changes to tenancy deposit schemes, landlord registration and capital gains taxes.
I’m a property expert and property speaker - and I run the well known property blog that you are reading now.
I contribute to newspapers and a host of property websites, write a number of columns in the press and I provide general advice on property letting to anyone looking to buy property for themselves or to let.
What’s unique about lettingfocus.com is that we offer independent unbiased advice on renting out property because unlike most people in the buy to let and property “advice” business we are not linked to a property company, developer, agent or bridging loan financier.
For landlords' insurance products such as rent guarantee cover and property insurance click on Ukinsurancenet. Don't forget to quote our reference code, LFOC, to get the best rates from them too. And find out about OTHER great deals we have arranged at our Property Affiliate page. More wil be added over the next month, once we have checked them out.
Copyright: David Lawrenson 2009. This blog is updated roughly once a week.
WANT TO BE KEPT UPDATED WITH OUR LATEST BLOGS?
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Just copy the site feed link into your News Reader or News Aggregator. Even a non techie like me managed to do this.
Please note if you have a website & are thinking of reproducing material here - that’s fine but we DO require a link to the blog to be included, including also the links in this section. The full article including all links must be available to ALL VIEWERS of your site and not restricted.
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Insurance for Landlords and Finding Good Builders – by LettingFocus.com

Fed up with lousy unprofessional builders, plumbers and the like?
You know the sort!
They are the ones who do that funny noise where they breathe in through their teeth just before telling you that fixing this or that is going to cost you thousands.
They don’t “do” written quotes, they slag off other tradesmen, they are not members of trade associations, they don’t have public liability insurance cover, they don’t provide references, they don’t complete the job on time, they want to be paid in cash (to cheat the taxman), they start late, bugger off for weeks on end and when at last they do finish, they leave your house a mess because they have never heard of dust sheets and they don’t seem to own a vacuum cleaner.
You’ve seen the TV programme “Rogue Traders” so I’m sure you get the picture.
Well, these days, the internet has meant there are lots of great sites out there where members of the public can write recommendations or alternatively post bad reviews.
One decent site I have used recently is RatedPeople.com.
With this lot, what you do is post the job you want doing on line at the site and the site then selects 3 local builders / plumbers/ heating engineers (or whatever it is you want done).
They contact you and you then get the ones you like round to quote for the job.
Then, once the job is done you can go back and write about how they did.
You can also read reviews that other people have written and use that to decide for yourself about which contractor to use.
With RatedPeople the tradesman pays a listing fee of about £50 a quarter and another fee for each lead he chases up.
Now, of course, it is not impossible to cheat the site.
Most obviously, a builder could get some mates to write specs for non existent jobs and then write up about how fantastically well he did - which is why you should always check and go and see reference sites yourself.
But I think sites like these are a good idea and hopefully will make it hard for duff builders and tradesmen to continue in business.
Other similar sites are Problemsolved.co.uk, Mybuilder.com, Trustmark.org.uk and FindaBuilder.co.uk. Check them out and see how they work too.
For more on finding a good builder, read our article: Choosing Builders and Tradesmen

LANDLORDS INSURANCE / INSURANCE FOR LET PROPERTY
There seem to be ever more and better features under landlords insurance these days.
Many companies under their property letting insurance cover now include malicious damage by tenants as a standard feature, for example.
I’m also getting bomarded by landlords insurance companies wanting to advertise at our site – a sure sign that competition is really coming to town for insurance for let properties.
It is nearly always cheaper going to a broker than sticking with your mortgage lender for landlords insurance.
For more on getting cover for let property, read our article: Landlords Insurance.
Right now, we have a great arrangement with UKInsurance.net for landlords' insurance products covering such insurances as rent guarantee cover and property insurance.
Just click on Insurance for Let Property and don't forget to quote our reference code, LFOC to get the best rates from them.
ABOUT LETTINGFOCUS.COM and DAVID LAWRENSON
I’m David Lawrenson of LettingFocus.com - the property letting experts. Read Property Articles.
I’m the author of “Successful Property Letting” which for the last 3 years has been the UK’s top selling property book - buy Property Investing Book.
The new edition is for accidental and experienced landlords and is fully up to date with all the recent changes to tenancy deposit schemes, HMOs, licensing and capital gains taxes.
I’m an expert property writer and property speaker - and I run the well known property letting blog that you are reading now.
I contribute to newspapers and a host of property websites, write a number of columns in the press and I provide general advice on property letting and consulting to anyone looking to buy property for themselves or to let out. I can help private individuals with any aspect of buying property or buy to let.
What’s unique about lettingfocus.com is that we offer independent unbiased property investment advice because unlike most people in the buy to let and property “advice” business we are not linked to a property company, developer, agent or bridging loan financier and do not receive commissions from these sources.
On the contrary, we are often asked to evaluate other property investments.
Find out about some great deals we have arranged at our Landlords Links page.
Copyright: David Lawrenson 2009. This blog is updated roughly once a week.
WANT TO BE KEPT UPDATED WITH OUR LATEST BLOGS?
It’s easy.
Over on the right hand side under all the previous blog entries and the bit where it says “Links” and “Subscribe” you will see a button saying “Site Feed.”
Just copy the site feed link into your News Reader or News Aggregator. Even a non techie like me managed to do this.
Please note if you have a website & are thinking of reproducing material here - that’s fine but we DO require the full links shown in each blog to be included, including also the links in this section. The full article including all links must be available to ALL VIEWERS of your site and not restricted to members.
WANT TO ADD A COMMENT
To add a comment to this post, you will need to click on “link to this post” then simply add your comment.
To view past comments you’ll need to click “link to this post” and view the comments which will appear at the bottom of the post.
All comments are moderated.

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