So happy for you Enoch.

Ticha:


Majority here seem to want single lets rather than shared accommodation. Some of the issues with funding a HMO are entry costs (all local authorities have special licensing requirements for HMOs which are financial), fully furnished rooms, lowish rent (again see requests from the posts on here), higher turnover of tenants (can't stand flatmates, move into a studio which sometimes is same or just slightly higher than a HMO room), fully inclusive bills (and where not inclusive chasing tenants upandan) and the biggie of them all minimum room sizes (licensing will get you even if you fly under the radar initially). Before you add higher interest rates (a lot higher for HMOs than single lets, upto 2% more in most cases), a higher deposit (25%- 30% is the norm) and associated mortgage fees (application fee of 1% of the loan is about standard as well)

Then you will be competing with university owned student flats and neighbours who will absolutely hate you the landlord and put in a gazillion reports daily .

If you want to go the HMO route, best plan is to buy an existing one rather than convert. 2 buy a completely run down one so you make the money upfront once you bring it up to scratch. 3 get all the tenants on one tenancy - that means they are all liable and if one leaves, the rest are responsible for the full rent and bills

Please, I would like to ask which is best for buy to let . Interest only mortgage or principal with interest mortgage

claremont:


This is a very sad case, but it's a reminder of the thin line registrants in healthcare professions thread. One day you are on the register and living a good life, and the next day, you can be struck off the register when a complaint is upheld against you. I feel this nurse should have been suspended for a few months or allowed to continue practice with restrictions. The sanction of outright expulsion from the register because she panicked when she saw a patient not breathing is too severe in my opinion.

These are the kind of sanctions that make me suspect racial bias.

I felt this was a case of racial bias too. As you said, they should have suspended her instead of taking her licence just like that.

Something I saw online about a Nigerian nurse who had her licence withdrawn because she did not dial 999 but kept shouting Jesus when a baby under her care was having panic attack

http://www.ayoakinfe.com/?q=node/7678

Lexusgs430:



Landlord's responsibility.......

Plus house is unsafe .......


Are you opening windows, to air property.......... Or cold no gree you ........

We were not doing that at first but we now open the windows at least 10 mins everyday

Lexusgs430:



Plumbing and Gas, are your landlord's responsibility.......... Even getting rid of rats, is your landlord's responsibility too .........

Hello,
What about getting rid of moulds.

ukay2:


I think you will pay back after 5 years of buying the house...it's not a free money, just to help you buy your FIRST house

There is no place in the government website where it is stated you would pay back after some years. The only time you would be charged is if you do not use it in buying your first home or withdrawing before 12 months.