Landlord spam emails

Spam email is annoying.

Every now again we get someone accusing us of sending spam email, which always feels a bit rich, considering we've just provided them a service that hands out free solicitor prepared tenancy agreements and free property management software.  A relevant weekly email newsletter, with a clear unsubscribe link at the top and bottom of the email, and a reminder email linked to the tenancy which again has a clear unsubscribe button. If that's spam then bring on the fritters.

What we don't do is share or sell on any user contact details unlike a lot of other landlord and property sites. I find myself getting a whole bunch of emails offering me discounted foreign property that I never subscribed to or have even heard of, be careful what you sign up for.

So if you are wondering where they are coming from, they are nothing to do with us, they're thanks to the likes of the people below who kindly sent me through this offer, that I shan't be partaking in.

As I've already said, I find spam very annoying, as you probably do too.

"Good Morning,
 We believe you may be interested in hearing about our database which is a comprehensive verified list of Residential Landlords in the UK.
 The database contains 25,923 Landlords with all contacts having a direct email address, priced at £529, reduced from £2,100
 The database is supplied in an Excel Spreadsheet and data fields are: Landlord Name, Address, Direct Telephone Number and Email Address.This database is offered to the market with a 1 year unlimited use licence for your company. We also have the option for you to purchase the database outright at an additional cost of £150. Our standard pricing structure is as follows: 10p per record for your specific selection of records - minimum purchase of 1000 records; however, for those wishing to purchase the entire database we offer it at a price of £529.
 We also offer a range of other data including Residential Letting Agents, Commercial Property Agents and many others.
 Please contact us to discuss your requirements. Kind Regards,Terri "

No thanks Terri. Ham not spam!

BTL mortgages best current products

Max LTV	Initial Rate	Term	Completion fee	Booking fee	Incentives	Overall Cost for Comparison
80%	4.79% Discount	2 Years	£2999	£130.00	No	8.2% APR
80%	5.79% Discount	2 Years	3%	£130.00	No	7% APR
75%	4.89% Fixed	Aug 31 2014	£995	£0.00	No	5.1% APR
75%	4.25% Discount	2 Years	2.5%	£250.00	No	5.5% APR
70%	4.25% Discount	2 Years	0%	£199.00	Free valuation up to £335 for purchases and remortgages and free legals on remortgages only.	6% APR
70%	3.74% Discount	Jul 31 2014	£899	£0.00	No	5.9% APR
60%	5.49% Fixed	2 Years	2.5%	£130.00	No	6.9% APR
60%	3.25% Discount	2 Years	£1750	£250.00	No	5.3% APR

Search the whole BTL mortgage market free

Email: info@propertyhawkbtlmortgages.co.uk

Tel: 029 2069 5446

IMPORTANT! Due to current market conditions, lenders are withdrawing and replacing products with little or no notice. Please check our website regularly to see the most up-to-date products available.

Your home may be repossessed if you do not keep up repayments on your mortgages.The Financial Services Authority does not regulate some forms of mortgage.

---

The Lords debates future housing strategy

 The question under the last government was did they even have one.

The lack of any clear policy has played directly into the hands of private residential landlords, we really can't deny that and as far as I can see will continue to.

Read through the hot air, bluster and hopeful proposition put forward in the Lords in this summary in the Guardian.

Do I Need Landlord Insurance?

Landlords letting property may be surprised that there is no legal requirement for them to have building or content insurance for their buy-to-let.  One of our landlords was recently told by their letting agent that the letting agent is legally required to have a copy of the landlords insurance with them.  How true is this?

The reality is that a landlord is not required to have any landlord insurance.  However, many lenders do insist on it as part of the mortgage agreement.  One of my lenders writes to me each year requesting a copy of my current insurance policy.  The reality is that if you aren't insured and your buy-to-let does burn down you will still be left with your outstanding mortgage debt, a pile of worthless bricks and a very large rebuilding bill.  Not advisable!

Landlord Insurance - professional rates

Uk house price graphics

Infographic provided by Gateway Homes

Changes in council tax on second homes

Landlords and second homeowners are expected to face changes in their council tax as the Government looks to end the mandatory discounts on holiday homes and long term vacant properties.

The new plans are set to bring in an extra 420 million a year.

Read more in the Independent