Archive for the ‘Landlords’ Category

Getting prospective tenants interested in your property may seem the hardest part of finding a tenant, but this is only the beginning. Successful landlords know the most important stage is selecting the right tenant……………………………………………………………………..

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As any savvy landlord knows, your buy to let investment is only making you money when it’s occupied. Gaps between tenants can cost you dearly so it’s crucial to ensure a maximum level of occupancy. Here are our top tips on finding a tenant……………………………………………………………………..

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Millions of Brits have moved into property investment in recent years, attracted by the wealth created by rising house prices. But with a collapse in the housing market those same people are now thinking very carefully about how to protect their asset for the longer term – which is where renting and the need for Landlord Insurance comes in. (more…)

If you want to make sure you”re paying for the correct amount for landlords building insurance cover, you”ll have to be prepared to calculate the rebuilding cost of your home in order to make sure you have the right amount of buildings insurance. (more…)

What is Residential Landlords Insurance?

‘Residential Landlord Insurance’ commonly known as ‘Buy to Let Insurance’ are terms used when describing a specific policy designed to cover a property owner who receives remuneration for providing residential accommodation. Alternatively, if the property is occupied for commercial use a ‘Commercial Property Owners policy’ will be required instead.

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There is no legal requirement for landlords to hold a landlords insurance policy, although not owning one would be very inadvisable.

Most of today’s landlords face risks on a daily basis and owning a second house as an investment is no different – A fire or robbery may destroy your investment and the hard work you have put into it. With property letting fast becoming an increasingly popular method of saving for the future, it makes sense to protect it! Insurers have recognised the need for landlords insurance and as a result have developed policies and cover to cater specifically for landlords. At Isis we deal with a wide range of landlord insurers and we are able to find the best insurer for each landlord’s circumstances, be that a landlord with either one or a portfolio of properties. (more…)

Thinking of investing in buy-to-let property? Make sure you get your insurance sorted.

Any business faces risks on a daily basis and owning a second house as an investment is no different. A fire or robbery may destroy your nest egg and the hard work you have put into it.

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Every year around 30 people die from carbon monoxide poisoning caused by gas appliances which have been incorrectly installed or maintained. Following the Gas Safety (Installation and Use) Regulations 1998, landlords have strict responsibilities relating to the safe installation, maintenance and use of gas appliances, fittings and flues in rented accommodation.

It is vital that all landlords adhere to the Gas Safety Regulations as failure to do so could result in the death of your tenants and the risk of prosecution if you are shown to be negligent.

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1. Do your research!
This is especially important if you are new to the buy to let market. Make sure you are aware of the risks and potential pitfalls of any investment. It is a good idea to chat with other landlords and investors and learn from their experiences. If you have a shortage of time or don’t feel passionate about property you may find there are other investments which will suit you better. Remember that investing in a buy to let property is not just about making money; as a landlord you have a responsibility to your tenants.

Before you make any decisions be sure this is the right investment for you.

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Investing in buy to let property has become big business in the UK but with interest rates rising and rents falling, the market is changing fast.

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Over the past five years buy to let lending has grown massively, now accounting for up to 12% of all mortgages in the UK. The rapid growth in the market has led to many mortgage lenders offering specially designed buy to let mortgages at very competitive rates.

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