Written By Em

Em

Em Morley

Is the Right to Rent Scheme Racist?

Published On: January 24, 2017 at 11:00 am

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Categories: Landlord News

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A campaign group has been set up opposing the Right to Rent scheme on the grounds that it is racist.

The group, called Homes Not Borders, has launched a campaigning website after initially setting up a Twitter account last October. It is now threatening direct action against the “racist” legislation.

Under the Right to Rent scheme, landlords or their letting agents are legally obliged to check the immigration status of all prospective tenants. Those that knowingly let to illegal migrants could face criminal penalties.

Our guide, created in association with the Home Office, comprehensively details how landlords and agents can comply with the scheme: /home-office-reinforces-landlord-responsibilities-right-rent/

Homes Not Borders claims to be made up of people who have been directly affected by the Right to Rent scheme, insisting that the legislation is intensifying discrimination of migrants.

Is the Right to Rent Scheme Racist?

Is the Right to Rent Scheme Racist?

It highlights research from the Joint Council for the Welfare of Immigrants into the pilot scheme in 2015, which found that 65% of landlords would be less likely to let to someone who required a little time to provide documentation, while 42% would be less likely to consider letting to someone who does not have a British passport.

More worryingly, 27% would be less likely to open discussions with a prospective tenant who “had a name which doesn’t sound British” or “had a foreign accent”.

Before the scheme rolled out nationally on 1st February last year, concerns were raised over how the scheme could be considered racist.

A statement on the Homes Not Borders website reads: “The Right to Rent will only intensify the discrimination that migrants and people of colour face in their search for housing, exacerbating the housing crisis for particularly vulnerable communities.

“Homes Not Borders are building a movement to abolish the racist Right to Rent. As people directly affected by this policy, we are organising our communities through building relationships, developing bonds of solidarity work across the diverse, migrant, non-migrant communities of colour. We will use all tools at our disposal, including direct action.”

It adds: “This racist Right to Rent must be challenged. It must be resisted. It must be abolished.”

Do you believe the Right to Rent scheme to be racist, or induce racism in the private rental sector?

Damp, Rising Damp & Condensation Issues: Deal with Them Head-On

Published On: January 24, 2017 at 10:02 am

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Damp and condensation issues can wreak havoc on a property if not dealt with properly. Damp issues can cause detrimental damage to the structure of a building, whereas persistent condensation issues can create major issues in your interior. Then there is also rising damp, a different kind of damp, that is commonly the trickiest kind to deal with.

Damp and condensation issues have a common cause: water and moisture not being able to find their way out of the property. Damp issues are created by water finding its way in with nowhere else to go, whereas condensation problems stem from water not finding its way out. Read on to find out more how to deal with damp, rising damp and condensation issues.

Damp, Rising Damp & Condensation Issues: Deal with Them Head-On

Damp, Rising Damp & Condensation Issues: Deal with Them Head-On

Damp

Damp can literally creep up on you. You might have had damp issues long before you notice the flaky paint, crumbling wall or peeling wallpaper. Damp, as mentioned, is caused by moisture finding its way into your property. It means the property’s ability to keep moisture out has been breached. The only way to properly stop damp from returning or getting worse is dealing with the cause. The most usual suspects include a broken or shifted roof tile, clogged gutters, and leaking pipes.

Work out where your damp issues start. Wherever you’ve noticed the crumbling plaster or wallpaper will give you an idea which areas to check first. Obviously, if it’s at gutter height, check the gutters and roof tiles. It could be a simple fix for your property by cleaning out gutters and repairing roof tiling. There are paint and coatings available for easy roof repairs, for example, when a flat bitumen roof has been compromised. These types of paint can even be used in wet weather conditions. If it’s near a window, check the window frame to see whether the window has perhaps been fitted wrong. It is also possible that pieces of missing mortars in the brickwork are letting moisture in. This too can be rectified with easy repair to the mortar.

Rising damp

Rising damp is another type of damp that comes with its own set of unique challenges and its own specific treatments. Rising damp is most common in basements and older houses where water and moisture have a chance to move up through the wall from the ground up. If your property has been built before 1875, it is likely your property does not have a damp-proof course and a damp-proof membrane, and it is therefore more perceptible to rising damp issues. Due to new regulations coming into force after 1875, these damp-proof measures became compulsory and therefore lessen the risk of rising damp. However, there are still scenarios where rising damp can occur despite the water-proof barriers. These include neighbouring properties or adjoining structures that meet the external wall above the barrier. More often than not, rising damp has to be dealt with by a professional, as it can entail having to inject walls with a damp-proof cream to act as a barrier.

Condensation

Condensation is a common occurrence in any household. Hot showers, pots of boiling water or even drying laundry creates condensation. It only becomes an issue when the moisture introduced into your home has nowhere to go. Condensation issues generally have more straightforward fixes than damp and rising damp issues. Improved ventilation helps to improve issues with condensation. It can be as simple as leaving a window open or installing more vents, such as air bricks for example, or installing bathroom and kitchen fans. Dehumidifiers can also help. There are also specialist anti-condensation paints available that will fight issues associated with condensation, including the growth of mould, blistering paint and discolouration. These paints are excellent to use in bathrooms for example, which generally have an excessive exposure to condensation on a daily basis.

Report indicates most renters have seen damp issues

Published On: January 24, 2017 at 10:02 am

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A concerning new study has revealed that the majority of private renters have seen problems with sub-standard drainage or damp, according to a new study.

The survey of 1,000 tenants, carried out by drainage company Lanes Group, indicated that 85% of respondents had experienced issues with poor drainage or damp at a point during their tenancy agreement.

Damp

Worryingly, 29% of those who said they had seen problems said they had received no help from their landlord.

Most commonly, tenants saw problems with constant damp on walls and near windows.

Next came dripping taps, bad odours from drains and poorly-fitted appliances. Others said they saw problems with water pressure, blocked drains, leaking pipes and flooding.

Report indicates most renters have seen damp issues

Report indicates most renters have seen damp issues

Capital Drain Pains

Tenants in the capital are most likely to see drainage problems than anywhere else in the UK. 90% of renters in London said they had been in touch with their landlord with regard to plumbing issues.

Michelle Ringland, head of marketing at Lanes Group, noted: ‘Keeping properties maintained is a real challenge for landlords, particularly as you can’t control tenants’ habits. Having adequate drainage facilities installed and carrying out regular checks by professionals will go a long way in keeping drainage systems in rented properties running correctly.’[1]

‘This should be supplemented by giving tenants clear information on what they should and shouldn’t put down drains,’ Ringland added.[1]

If you have or are experiencing issues with damp related problems, see our guide on combating these situations.

[1] https://www.landlordtoday.co.uk/breaking-news/2017/1/majority-of-renters-have-encountered-damp-and-drainage-problems

Number of Homebuyers at Highest Level for 13 Years in December

Published On: January 24, 2017 at 9:25 am

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The average number of prospective homebuyers registered per estate agency branch was at the highest level for 13 years in December, according to the latest Housing Market Report from the National Association of Estate Agents (NAEA).

The group’s December study also found that the highest number of sales to first time buyers since 2001 was recorded last month.

Number of Homebuyers at Highest Level for 13 Years in December

Number of Homebuyers at Highest Level for 13 Years in December

The NAEA’s data shows that although the amount of homes available to buy rose marginally in December, the number of sales agreed fell by a quarter on a monthly basis.

Homebuyer demand

Last month, the amount of house hunters increased to the highest level seen since 2003 for the month of December.

The average number of prospective homebuyers registered per NAEA member branch stood at 386 in December, up by 12% on November’s figure of 344.

First time buyer sales 

In December, a third (32%) of sales were made to first time buyers – the highest number for the month of December since 2001, when it was also 32%.

This is up by 10% on November last year, when 29% of sales were made to these buyers.

Property supply and sales agreed 

The amount of properties available to buy on estate agents’ books in December stood at an average of 41 – up marginally from November, when there were 39.

Despite an increase in supply and demand, the number of sales agreed fell by a quarter (25%) on November, from an average of eight per branch to six.

The Managing Director of the NAEA, Mark Hayward, comments on the report: “In November, we saw a seasonal slowdown; typically it’s uncommon for people to buy and move close to Christmas. Yet, our December findings have completely bucked this seasonal trend. With demand at an all-time December high and sales to first time buyers at their highest on record, 2016 closed on a positive note following several months of uncertainty.

“However, despite an encouraging December, there remains a clear shortage of homes. We await the Government’s Housing White Paper to see how it intends to tackle this, and hope the market continues to improve for both buyers and sellers.”

While property market experts insist that the Government must do more to tackle the housing crisis, one investor and lender believes that small-scale developers are critical in supplying much-needed homes.

Accord Mortgages slashes rates for fixed products

Published On: January 23, 2017 at 3:48 pm

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Accord Mortgages has moved to announce that it has lowered rates on a range of selected fixed rate products by up to 0.24%.

The intermediary only lender has slashed rates at 75%, 80%, 85% and 90% LTV values across two, three and five-year terms.

Deals

House purchase customers can take advantage of a competitive five-year fixed rate mortgage at 2.20% with a 20% deposit, or 85% LTV on a 2.39% rate.

Both of these mortgage deals include additional features of £250 cash back on completion and free standard valuation, with a £995 product fee.

Those investors looking for a shorter deal can look at a three-year deal at 2.37% at 90% LTV. This deal is available for both buyers and borrowers looking to remortgage and again comes with a £995 product fee.

What’s more, Accord has launched a 2.76% three-year fix at 90% LTV deal for home buyers. This deal comes with no up-front fees plus £250 cashback on completion, with free valuation.

Accord Mortgages slashes rates for fixed products

Accord Mortgages slashes rates for fixed products

Attractive

David Robinson, Accord’s National Intermediary Sales Manager, observed: ‘We are sure the new rates will prove attractive to brokers and borrowers, and we are keen to offer mortgages that deliver value for money to our customers with features like cashback on completion. The five-year rate reductions will appeal to borrowers looking for the security of fixing their mortgage repayments to a competitive rate for a longer period.’[1]

[1] http://www.propertyreporter.co.uk/finance/accord-announces-reductions-across-s3lected-fixed-rate-products.html

 

 

Ban on agent fees will impact negatively on 20% of landlords

Published On: January 23, 2017 at 11:55 am

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The Housing Minister Gavin Barwell has moved to state the proposed ban on letting agents levying fees on tenants will only negatively impact 20% of tenants.

An ARLA report from the meeting of the All Party Parliamentary Group for the Private Rented Sector earlier this month says that Barwell disputed the notion that the ban would be universally costly for landlords and tenants alike.

Financially Impacted

Mr Barwell told MP’s that while the implications of scrapping fees does need to be assessed, early HMRC forecasts suggest that just a fifth of investors will be hurt financially.

In addition, the report states: ‘Barwell also said that since the change will be phased in it will not have as large an effect. In response to concerns that landlords will have to up their rent to cover the costs of the fees, Barwell said that it is of course up to the discretion of the landlord to decide their fees. He said the government see the measure part of as creating a fair tax regime. He said the forthcoming consultation will not look at the value of the measure but will look at how it is implemented.’[1]

What’s more, Mr Barwell is reported to have stated that Build To Rent would feature in the Government’s White Paper on Housing. Barwell sees Build To Rent as good value for money and believes that the scheme offers longer tenancies-one of his key objectives.

Ban on agent fees will impact negatively on 20% of landlords

Ban on agent fees will impact negatively on 20% of landlords

Changes

After the meeting, managing director of ARLA David Cox, observed it was clear that the Government is trying to implement large scale changes to the private rental sector in England.

Cox noted: ‘Since the 1980s, England has been building up to 40 per cent fewer homes than the 240,000 needed annually. The resulting shortage of about two million homes has left the country with soaring prices and a growing gulf between the property haves and have-nots.’[1]

‘Unfortunately, the government doesn’t seem to realise that punishing hard-working letting agents who deliver a hugely valuable service will not in the long run improve the affordability of the sector and the service that tenants receive.’[1]

[1] https://www.lettingagenttoday.co.uk/breaking-news/2017/1/letting-fees-ban-will-only-hit-20-negatively-claims-minister