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Karen Letherby
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He probably owns holiday lets
From:
Karen Letherby
13 March 2024 08:19 AM
All the anti landlord rhetoric, all the tiny tweaks by govts, all the complaining by Shelter and GR.... none of it will make the slightest bit of difference to the housing crisis. In simple terms: Most tenants are unlikely to be able to afford to buy their own home, unless they are professional couples on good incomes, even if more houses were to come on to the market. Forget the PRS, councils and housing associations need to build, build, build More affordable, 2/3 bed houses need to be built, not the big 4/5 bed detached that builders favour because they are more profitable. Landlords are selling up for the simple reason that they are not making enough money to make it worth putting up with bad tenants, maintenance issues, bureaucracy and vilification. Plus you can now get decent bank interest rates, probably better rates than landlords are making from rent in many areas of the country.
From:
Karen Letherby
07 March 2024 09:12 AM
Banging my head against a brick wall right now!!! Shelter would help tenants/the homeless in a much more useful way by working WITH landlords instead of this constant narrative of the landlord being the bad guy - which is only serving to reduce the number of properties available to rent. Why can't they see it? The majority of landlords are decent, responsible people who want to provide good quality rental properties. Yes there are a few rogues in the sector, but there are also a lot of bad tenants. But this narrative against landlords suits Shelter, they get to wear the halo, get lots of publicity and justify their huge salaries.
From:
Karen Letherby
11 December 2023 08:37 AM
Hi Nick - there doesn't seem to be an option to reply to replies. Anyway since my comments have generated a lot of comments I feel I should reply. Your Nigerians are not actually stupid, they know how to play the system, like so many tenants do nowadays. I used to live in Nigeria, btw, many years ago, it's was a real dog eat dog place. No such thing as benefits, you don't work, you don't eat. But for all their poverty I remember them as having a zest for life and big hearty laughs. My worst tenant was a young white British man, gave me a good sob story, I gave him a chance, he trashed the house, grew cannabis in a bedroom during covid (when I couldn't do any checks) and stopped paying the rent. I got him out by selling the house, he owed £4000 in back rent - could have been worse. I sold at what I bought the house for, no CGT for me!
From:
Karen Letherby
13 September 2023 09:11 AM
Of course, it won't by the Govt's fault if you are forced to evict your tenants Colin, you are the demon landlord!
From:
Karen Letherby
12 September 2023 08:58 AM
There is no need for racism! You are the landlord, I assume you choose your tenants, therefore you do have control!
From:
Karen Letherby
12 September 2023 08:54 AM
With mortgage interest rates at around 6% (and often ridiculous arrangement fee amounts), it's pretty much impossible to borrow enough to buy a rental property now. Even on interest only, the rental income won't cover repayments, unless you have a huge cash deposit to put down. And actually, if you factor in all of the costs associated with buying and running a buy to let and the maintenance costs, etc, you'd make more (with less stress!) by putting any spare cash into a higher rate savings account. For me, it's very much a return to the early days when I was sold the dream of buy to let as a profit making business. Interest rates were extremely high, profit from rental income very small but the hope was that you would make money in the long run from capital appreciation on the property. Capital appreciation is probably a thing of the past! In the past it felt good being able to provide homes to families at a reasonable rent, some of my past tenants left because they had bought their own home, which I was always pleased about. But it doesn't feel good being a landlord anymore. I have one property left, agency managed. The agency suggested I could raise the rent by £50 a month and I know I the market rent is even higher. But I'm lucky to be still on a very low fixed rate mortgage so I said no, just raise it to by £20. The tenants said they couldn't afford it, maybe they can, maybe they can't but I didn't push it, they're good long term tenants who look after the house well. What's the point in putting up rents to the point where they're not affordable! As a side note, I thought I'd get the front door painted, quote is £215. Any trades person is now charging at least £200 a day. My point is, perhaps it's time to accept the demise of the private rental sector, it feels like private landlords are being hounded out of the sector anyway. It's been said many times. we aren't treated as a business, we are vilified by the media, hated by tenants and it's not worth it any more for the stress and small returns. My apinion, perhaps other landlords don't agree? There needs to be more investment in housing by the public sector and somehow a way for people to buy their own homes without lining the pockets of property developers and pushing up house prices further.
From:
Karen Letherby
12 September 2023 08:43 AM
Since some people have commented on the CGT liability I thought I'd check what the figures are now. Very surprised to see the annual exempt amount for 2023/24 has been cut to £6,000, previous 3 years it's been £12,300. After deducting this allowance you pay 18% on any gains if lower rate tax payer and 28% if a higher rate tax payer. You can deduct all buying and selling costs before calculating the tax liability.
From:
Karen Letherby
08 September 2023 18:12 PM
Agree, these companies shouldn't be allowed to get away with it
From:
Karen Letherby
08 September 2023 18:05 PM
Why shouldn't Airbnb follow the same safety rules and standards as short/long term rentals? Holiday letting is treated as a business, therefore, of course they should have public liability insurance, fire safety/gas/electric checks, etc. You can't have your cake and eat it, are holiday lets a business or not? If not a business then don't let them have all the tax concessions that they have now.
From:
Karen Letherby
29 August 2023 10:51 AM
Ross Greer is about the same age as my daughter and her husband, neither of whom would make a stupid statement like that. It should be mandatory for anyone who wants to be a politician to get an economics qualification.
From:
Karen Letherby
03 January 2023 18:16 PM
House prices are ridiculously overpriced in many areas of the country - bring on a house price fall so first time buyers have more of a chance. If you own your own home it makes no difference if house prices go down, either you're looking to sell and buy again in the same market or you'll be staying put. Prices always go up again, look at the 2007 'crash'.
From:
Karen Letherby
25 October 2022 18:18 PM
Animals make excellent companions, particularly for single people but I don't understand why people in small houses need to have multiple animals and why anyone who works full time thinks it's OK to leave an animal alone all day. Having allowed 4 lots of tenants to keep pets I would say NEVER EVER AGAIN!!! The mess left, dog and cat hairs, ruined laminate floor and dog poo in bins and all over the garden. And there was one case of 2 continually yapping dogs who made life hell for the neighbours. I repeat NEVER EVER AGAIN.
From:
Karen Letherby
21 July 2022 11:01 AM
Nick van Hoogstraaten (there's no reply option to reply directly to your comment)- I think it's unfair to single out foreigners. I have Eastern Europeans in one of my properties who are working, paying the rent and keeping the place clean. I had a young Brit in one property on benefits (he was working when I took him on as a tenant) who left (finally), owing me 8 months rent and left the place in a disgusting state with piles of rubbish and ruined carpets and flooring! With the cost of living crisis and rents rising so much I think we are going to see more people defaulting on their rents. And tenants are becoming more aware of how to play the system, knowing how difficult it is for landlords to evict them (even before ending S21).
From:
Karen Letherby
18 July 2022 11:59 AM
Sadly, younger people (most often they are) see the 'wealth' of some of these social media influencers and decide they want the same. BUT they don't want to work for it! No one gets rich without a years of work and commitment, often 20 hour days, no holidays, no fancy lifestyle for many years. I know one wealthy person who slept in the guard hut at his warehouse for years before he became successful. I would never want to make that kind of commitment - that's why I'm not wealthy, well not financially wealthy anyway :)
From:
Karen Letherby
12 July 2022 12:07 PM
Maybe the modern ones are more energy efficient but they can be extremely expensive to buy (depending on the area) and have very high service charges.
From:
Karen Letherby
11 July 2022 07:57 AM
Yes, commonsense finally but is anyone actually listening? I'm down to one rental, from 3 to 4 in the past. Tenants defaulting on the rent and the cost of refurbishment when they move out has made buy to let non viable for me. I put my one remaining rental with a lettings agent, it was month 5 before I started to earn anything after the refurbishment. Now the tenants are leaving after 6 months and haven't paid the final month's rent, so that will have to come from the deposit. So, if they've left the place in a mess .... These problems have only started in the past couple of years, previously I've had good long term tenants. Is it all the negative press that landlords receive and the awareness that actually if they default on rent there's realistically little that the landlord can do about it. These days tenants seem to think private landlords are charities.
From:
Karen Letherby
13 June 2022 08:54 AM
No problem with that Andrew, my brother has done much better than me and I don't think he has any qualifications. I didn't go to grammar school either. But if you're a journalist by profession or writing for public consumption you need to get the grammar, spelling and punctuation correct. Whoever writes the articles for Landlord today presumabably gets paid for them and it's their job. They are being lazy if they are not writing correct English. I've noticed other articles with mistakes, it's annoying!
From:
Karen Letherby
28 April 2022 09:33 AM
Whoever wrote this needs to go back to English classes. If you're going to write for public consumption at least get the spelling/punctuation correct. And when did we in this country start using the term fixer-upper!!
From:
Karen Letherby
27 April 2022 22:30 PM
Married or not, after the mess that my properties (house and garden) have been left in after allowing pets ...... never ever again..... sorry pet lovers
From:
Karen Letherby
26 April 2022 09:47 AM
I'm bidding adieu to the PRS: Tired of cleaning up tenant mess when they leave, tired of the cost of refurbishments (latest one £6,000), tired of tenant arrears and the endless excuses for not paying, tired of feeling like a pariah for being a landlord, tired of the financial bashing from Govt. I have one rental property left and will sell that one when the tenants move out. I've had some lovely tenants over the years, more so when I started out as a landlord 20 years ago. What's gone wrong in the last few years? Tenants play the system, have no shame about rent arrears and leaving rubbish and mess when they go. Perhaps I've just been unlucky but Covid has made things worse and allowing pets in my properties was a big mistake. I wish everyone could afford home ownership and there would be no need for the PRS. I understand how people are struggling in the current economic situation. Perhaps they'd take better care of a place if they owned it but it doesn't cost anything to keep a place clean or to get rid of your own rubbish.
From:
Karen Letherby
03 April 2022 11:08 AM
It seems like there are a number of very vocal 'support' associations for tenants but no groups to shout for landlords. Shouldn't the NRLA be doing more for the PRS? We can complain all we like on this forum but that's not going to get our voices heard in Westminster. I, too, am selling up, I was going to hold on till I retire but the straw that broke the camels back was the tenant who hasn't paid any rent since May 21. I finally got him out this month but the state of the place was shocking - dog hairs everywhere, dog poo, laminate ruined, carpets ruined, piles of rubbish, a cooker that is too filthy to ever come clean. It's beyond belief that someone could live like that. Try getting Westminster to listen to those kinds of stories!
From:
Karen Letherby
18 January 2022 09:22 AM
I don't suppose Shelter would listen to my side. I'm so stressed right now. My tenant hasn't paid since May. I served a Section 21 and have sold the property, subject to contract. My tenant is supposed to move out on 8th December. A housing association found him a house but it didn't have a garden for his dogs so he turned it down. He doesn't know how long till he'll be found something 'acceptable'. Meantime I'm having to borrow money, rent a room on Airbnb, work two jobs. Why isn't my tenant working, he's young, he's not unintelligent but he was in the army and now has mental health issues. Why is he my responsibility, I'm not a charity. I've seriously considered just letting the mortgage company repossess the property. I've just spent most of the day cleaning another of my rental properties before new tenants move in tomorrow. When the previous tenants moved out I had to have the whole place painted, carpets cleaned (they were new when the tenants moved in). They didn't clean when they moved out, it was a mess and I had no deposit to use because I'd helped them out during covid by using their deposit for a rent payment. My other rental property is going to need a lot of money spending on it when the tenants move out in a couple of months. It's a mug's game and I've had enough!!
From:
Karen Letherby
30 November 2021 19:20 PM
It's so easy for them to go for private landlords and they know it will be popular with most who think landlords are making tons of money. I've just sold a property for barely more than I paid for it, taking into account 3% additional stamp duty, all the renovations I did and the tenant owing me about £4,000. Why don't they go for the big corporations who manage their affairs in such a way that they pay very little tax. Or why not a windfall tax on the likes of Princess Charlotte, reportedly worth £3.6 billion. I am so sick of everyone having a go at private landlords!!!
From:
Karen Letherby
25 October 2021 09:05 AM
What happens regarding listed buildings, which currently don't require an EPC?
From:
Karen Letherby
24 October 2021 09:38 AM
I've worked for councils, a thankless job. Remember WE pay for this time wasting via our council tax. Someone has to read and deal with all those 454 pieces of correspondence from Fergus Wilson - and no doubt a lot of phone calls - when they could be helping other people. People like Fergus Wilson shout very loudly and people who shout loudest often get the most time spent on them, at the expense of the quieter ones who don't like to make a fuss.
From:
Karen Letherby
23 September 2021 09:41 AM
It's a very sad situation for renters in Devon and Cornwall. I know of a family desperate to rent a home in East Devon but there is nothing available, absolutely nothing. Of course people will turn to holiday letting in these areas - there's a huge demand, it's treated as a business for tax purposes, there isn't the red tape but most importantly there is no danger of not being paid, no need for any eviction process for bad tenants, there is more likelihood that the place will be looked after and you get to check on it regularly. I'm currently owed over £2000 by one tenant and it will increase until the end of November when the notice period ends, or could be longer if he decides not to move out. I've had enough, I'm switching to holiday lets when I can.
From:
Karen Letherby
31 August 2021 10:07 AM
27th August is Friday, not Thursday as stated above - so which day is the webinar?
From:
Karen Letherby
24 August 2021 08:37 AM
Like you Paul James, I got the very latest energy efficient electric heating system put into one of my houses about 3 years ago, to replace the storage heaters and I still only got an E rating. Apparently the grading system hadn't caught up with the new technology!!
From:
Karen Letherby
24 August 2021 08:34 AM
What percentage of tenants get the full deposit back with no dispute? I've only ever had to keep a deposit to pay towards unpaid rent - with the tenants' agreement.
From:
Karen Letherby
24 June 2021 09:21 AM
Like most things, rent is determined by supply and demand. Affordability is naturally a key factor and you can't keep increasing rents if tenants don't have the income to pay it.
From:
Karen Letherby
09 April 2021 09:36 AM
A 4 year ban isn't enough - it should be a lifetime ban!
From:
Karen Letherby
03 March 2021 09:53 AM
The same old tired record, demonising landlords. So a house for one family or an HMO for, say, 10 people who might be unable to afford a 1 bed place to rent let alone be able to buy, and who otherwise might be stuck on a council house waiting list or living with mum and dad for life. A bed sit is usually a starter, with relatively affordable rent for a young person to allow them to save for something better. People need choice to suit their circumstances. Why not demonise the single people or couples who live in big family houses with empty rooms or developers who insist on building 4 bed detached houses on estates with a miniscule number of 'affordable' houses because, of course, that's where they make their big, fat profits. Private landlords are too few to be able to influence property prices in a significant way, it's all drivel. Put the landlord in the firing line as usual. Where is the NRLA, they should be defending landlords a lot more robustly.
From:
Karen Letherby
17 February 2021 09:53 AM
I've loved reading these comments, really needed a laugh. Actually the whole article is a complete joke. This is the comment that has annoyed me the most: Amina Gichinga of the London Renters Union said: “Many renters feel they have no choice but to break social distancing guidelines and go out to work, just so their landlords can continue to profit". Same old, same old delusional nonsense about landlords making vast profits. They just can't grasp that most of us are ordinary people with a couple of properties bought as pensions to supplement the minuscule govt pension. I would guess that most of us have mortgages to pay and most probably find that maintenance costs including gas checks, etc and govt policies such as no longer allowing mortgage interest to be applied as a cost mean that if we make any profit at all it is tiny. As has been said, who's going to pay our mortgages if we are obliged to let tenants live rent free? Fortunately I have good tenants who will do their best to pay, even if a little bit late, they understand that I have mortgages to pay and am not a rich person. I don't have any savings to fall back on - and if any landlord hater thinks I must be spending it all on a champagne lifestyle I can assure you that's far from the truth.
From:
Karen Letherby
13 May 2020 14:14 PM
Nice to read this, a generous offer. I have done similar in the past for tenants who got into difficulties but unfortunately when you have mortgages to pay it is not so simple. A couple of my tenants have now contacted me to say they are off work due to Corona, one couple will try for Universal Credits. I've said we'll discuss again when the rent is due, I would be happy just to cover the mortgage payments but also suggested to one that rent could come out of the deposit if they prefer (they are very good tenants who look after the house extremely well). Well let's see what happens and try to keep positive.
From:
Karen Letherby
26 March 2020 09:04 AM
Thank you for this Dominic, my thoughts exactly but there seem to be a number of heartless landlords writing on here. I've already been in touch with my tenants and would help them in anyway I can because they are good tenants and I wouldn't want to lose them. We want to be seen as a business like any other, in which case we need to react like other businesses and treat our customers (tenants)/employees with respect. Yes I know lots of landlords complain about their bad tenants but my view is if you hate your tenants then you shouldn't be in this business. Yes it's a perfect opportunity for good PR and it's not going to last forever, it could all be over by end of May/June (I would say God Willing if I believed in God).
From:
Karen Letherby
19 March 2020 10:15 AM
Reading your posts Paul Barrett it sounds like you are not happy being a landlord, therefore why are you still doing it? I don't know how many properties you have and I realise selling up might be difficult in the short term but do you plan to sell up and save yourself from having to deal with annoying tenants! Yes we have been battered by the govt and the media but I still see this as being a business and also my pension. It's not very profitable these days but it suits me for the time being. But I feel that if you are going to rent out properties you've got to respect your tenants and treat them as you would want to be treated yourself. I understand that some landlords have bad tenants but I can honestly say in the 20 years I've been doing this I've only had two bad tenants, maybe I've just been lucky! I don't see how anyone can be a landlord if they dislike tenants, as it seems that some people who write on this forum do!!
From:
Karen Letherby
18 March 2020 20:40 PM
I may be a lone voice in this but I wouldn't dream of evicting my tenants during this crisis, one of the couples has just had a baby! I have already contacted all my tenants (only 3 properties) to check if their jobs are safe and they will be able to pay the rent, fortunately they've all said they are OK. I have mortgages to pay so it would be a real struggle for me if they couldn't pay the rent, I would have suggested a reduced rent for the period of the crisis which would cover my mortgages. If landlords evict their tenants they'll only have to find new ones, which might be difficult during this crisis and the landlord will have council tax to pay unless you can get the empty property rebate. I'm happy with my current tenants and would not want to go through the hassle of finding new ones so I would do all I could to help them if they were struggling.
From:
Karen Letherby
17 March 2020 20:20 PM
Last article I read was that landlords were quitting the market in droves - make your minds up! If you're attending a buy to let exhibition then it stands to reason you're probably thinking of investing - but maybe they just have no clue what small returns landlords get these days and the bureaucracy and maintenance issues we have to deal with all the time. This article is not representative of the sector and the headline is misleading.
From:
Karen Letherby
13 February 2020 11:59 AM
I hope that report gets out to the media and they publish it because it is time the public got the facts not just the headline grabbing 'bad landlord' stereotype, which actually doesn't exist.! Professional landlords are looking to keep (good) tenants long term and take care of our property assets, it's not in our interests to offer shoddy accommodation or rip off tenants.
From:
Karen Letherby
13 January 2020 10:24 AM
The costs are now too high for most BTL to be viable. I don't see how rents can be increased sufficiently, already tenants may be paying 50% or more of their income in rent, then they've got to pay council tax, utilities, food, transport, etc. I have reduced to 3 BTL from 4, they are returning average 4.5% before costs and tax. Last year I had a lot of maintenance costs so worked out I was down to about 2% pre tax. The only thing that makes it worthwhile is if you get capital increase.
From:
Karen Letherby
29 October 2019 18:05 PM
When we used to let a property for holiday lets on OwnersDirect, now owned by Holiday Lettings I think, we had to provide evidence that we owned the property as well as passports etc. It seems that Airbnb are not in the slightest bit interested in who is letting property on their site, all they care about is their income.
From:
Karen Letherby
28 October 2019 17:56 PM
Well this is now beyond a joke. The Govt blaming landlords for homelessness!!! Where are all the council houses? All the people on the council house waiting lists around the country and if it wasn't for the private rental sector there would be many more on those lists. But of course those demon landlords are refusing to let tenants stay in their properties if they don't pay their rents, how dare they evict tenants, why don't landlords just continue paying their mortgages, continue maintaining their properties, let the tenants stay for free. Well I for one have had enough, I've had tenants for 20 years, I believe I've treated my tenants very fairly, luckily I've never had to resort to Section 21, though there have been a couple of occasions when the tenants left with rent arrears by mutual agreement. But if the Govt takes away the safety net of Section 21 then there is no point in being a landlord because the risks are too great - tenant runs up rent arrears, you go to court to get them out, that takes months and all the time you still have your expenses to pay. I am sick and tired of the Govt's attitude of penalising landlords who are their taking up the slack because of stupid the stupid Govt policy of selling off council houses cheap and then not building any to replace them.
From:
Karen Letherby
15 August 2019 09:13 AM
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