‘No-fault’ eviction of tenants must end. But beware unintended consequences | Simon Jenkins

The government is right to curtail landlords’ section 21 powers. But too much regulation could end up hurting the poorest

Theresa May’s government can get some things right. The curtailment of landlords’ power to evict tenants for no reason with only eight weeks’ notice has been rejected by Labour and Tory ministers for decades. Now the proposed abolition of “section 21” evictions should free landlords from being seen as heartless exploiters, and tenants as worthless transients, endlessly complaining.

Europe’s maddest housing market should be brought closer to its sanest, Germany, where 55% of people enjoy secure and mostly happy private tenancies, for an average of 11 years each. In Britain just 20% are private tenants, with tenancies of an average 30 months. Germany suffers no get-on-the-ladder hysteria. Private savings are not frozen in bricks and mortar, but put to economic use.

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No Brexit deal yet, but families are doing housing deals

Homeowners are 'bored of Brexit'.

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I'm buying a house with my boyfriend – is 10% a fair share of the equity?

I’m making a cash contribution to the purchase and paying half the mortgage

Q My boyfriend is buying a house and I plan to make a cash contribution towards its purchase. The mortgage will be solely in his name as I already own another property (which I plan to keep and rent). The value of the property is £487,000 so I plan to contribute £48,700 plus £1,435 stamp duty in order to own a 10% share of the property. I will then be paying half of the mortgage with my partner every month. I queried whether this was fair as if we were to split I would only walk away with 10%. He will contributing £50,000, plus the remainder of the stamp duty and fees. He has two children and has been through a divorce and so is trying to protect himself as he has mentioned that I already own a home. It bothers me that this arrangement isn’t the fairest way to work this out. Any advice would be much appreciated.
CL

A I’m with you on the arrangement not being the fairest, because it isn’t. Paying 10% towards the purchase price and then paying half the mortgage each month should make you entitled to share of more than 10% (because part of the monthly mortgage repayment goes towards paying off the loan, therefore increasing your equity). However, I can also appreciate that going through divorce proceedings may have made your boyfriend a bit once-bitten-twice-shy about jointly-owned property, but if that is the case, perhaps he should avoid joint ownership altogether. And perhaps you should too if you doubt the fairness of it all – not least because such a lack of trust can’t be great for your relationship. This might also make sense from a financial point of view. Because you already own a property which you will not be selling, the stamp duty land tax (SDLT) due on the whole purchase price of the new property would be at the higher rate (ie standard rate plus 3%) so your 10% share of the total SDLT bill would be £2,896 rather than £1,435. The higher rate of SDLT will also apply if your boyfriend’s erstwhile family home has not been sold and he still has an interest in it. However, if any agreement about the family home with his ex-spouse has been recorded in a consent order approved by the court, he will be exempt from paying the higher rate of SDLT.

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Photography Tips for your Kitchen When Selling your Home

The prospect of a photographer taking pictures of your home isn’t always the most pleasant thought. You want your home to appear homely and inviting, but not too lived in. And you want it to look clean and neutral, but definitely not clinical. Sounds complicated, but our home staging rule is simple: declutter, de-personalise and dress. And since it’s the hub of the home, let’s apply our method to the kitchen. Because, here’s a secret: it’s not the photography itself that’ll catch people’s eye; it’s the preparation before the photographer arrives.

De-clutter

Let’s start by decluttering. Sounds taxing, but it doesn’t have to be. Simply make sure that all worktops are clear, chopping boards are put away, and tea towels are tucked out of sight. The same applies to bins. Yes, every kitchen has bins. But there’s no avoiding that even the most tasteful bin, is a rubbish container in disguise. And anything that can be associated with dirt and grime is not a welcome distraction.

In fact, anything that can be removed, probably should be removed. Because the kitchen should look as spacious as possible. So if your microwave lives on the worktop, consider giving it a temporary new home. Appliances on show make the kitchen look cramped, and a lack of space is unappealing to any family.

De-personalise

Preparing your home for a photographer can feel a little intrusive. Your home is filled with your family’s memories, and the personalised touches are special to the people inside. But since it’s an unavoidable formality when selling your home, it’s best to take it as an opportunity, not a chore.

Because if you’re selling your home, you’re ready to move forward. That means a new home, and a fresh start. When styling your kitchen, neatly pack away anything that’s too personal, and store it ready to unpack in your new home. You’ll feel more comfortable without the photographer catching your children’s portraits in the background, and a blank canvas will help potential buyers envision their family in the space.

The same rule applies for fridge magnets and personalised name hangings. In fact, anything that is sentimental is best out of shot. Yes, the kitchen is a family space, but it’s best to pack any rogue toys into storage. Because, whilst an endless trail of toys is the reality of our homes, no one is ever really impressed by reality.

Home styling is about romanticising reality. It’s about creating an ideal that is unachievable every day. Take pets for example. Most families have a furry friend or two, and yet no one really likes to see their food bowls and litter trays. So animal lovers or not, potential buyers will thank you for hiding the cat mat out of shot when the photographer arrives.

Dress

Now that the kitchen is a fresh blank canvas, let’s have some fun. Dressing a home to appeal to another family can be tricky; you know what appeals you to you, but making your home desirable to another family is a whole other ball game. A flick through a few home magazines is a great source of inspiration. But a few finishing touches might be all you need to catch people’s eye.

So, where to start? Take a step back, and look at your de-cluttered, de-personalised kitchen. How does it look? Hopefully the words ‘spacious’ and ‘open’ spring to mind. But the de-personalisation might have made the space a little cold now too. So, now we personalise again. Seems illogical, but there’s a theory to the madness. This time, we personalise with potential buyers in mind. It’s not true personalisation, but staging is, well, staged. And it’ll help other families to picture their family living inside.

The next time you’re mooching around John Lewis, or browsing The Little White Company’s website, take a look at their homeware and accessories. It’ll give you inspiration for your new home, and anything you pick up can be taken with you once your home sells.

For larger textiles, such as curtains and blinds, opt for neutral, subtle tones, and steer clear of any bold, loud patterns. Cushions and throws can add a touch of colour to your kitchen chairs or sofas, but again, pick out the calmer colours. Fresh textiles are a quick way to add warmth and homeliness, but we want to keep a calming environment too. Anything with too much personality, or that jumps out, should be left on the shelf. These finishing touches shouldn’t be a feature, and they shouldn’t detract from the kitchen itself. They should simply compliment the room, and make it cosy.

Kitchen tables can be a feature though, and if dressed to impress, they can help bring a room to life. So if you’re tableware is a little tired or outdated, it’s the perfect excuse to indulge in a new set. Table mats that complement the decor add a nice touch too. Laying a contemporary runner down the center, and placing a delicate trail of candles, completes the elegant finishing.

Happy selling!

Sam

The post Photography Tips for your Kitchen When Selling your Home appeared first on Home Truths.

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Photography Tips for your Kitchen When Selling your Home

The prospect of a photographer taking pictures of your home isn’t always the most pleasant thought. You want your home to appear homely and inviting, but not too lived in. And you want it to look clean and neutral, but definitely not clinical. Sounds complicated, but our home staging rule is simple: declutter, de-personalise and dress. And since it’s the hub of the home, let’s apply our method to the kitchen. Because, here’s a secret: it’s not the photography itself that’ll catch people’s eye; it’s the preparation before the photographer arrives.

De-clutter

Let’s start by decluttering. Sounds taxing, but it doesn’t have to be. Simply make sure that all worktops are clear, chopping boards are put away, and tea towels are tucked out of sight. The same applies to bins. Yes, every kitchen has bins. But there’s no avoiding that even the most tasteful bin, is a rubbish container in disguise. And anything that can be associated with dirt and grime is not a welcome distraction.

In fact, anything that can be removed, probably should be removed. Because the kitchen should look as spacious as possible. So if your microwave lives on the worktop, consider giving it a temporary new home. Appliances on show make the kitchen look cramped, and a lack of space is unappealing to any family.

De-personalise

Preparing your home for a photographer can feel a little intrusive. Your home is filled with your family’s memories, and the personalised touches are special to the people inside. But since it’s an unavoidable formality when selling your home, it’s best to take it as an opportunity, not a chore.

Because if you’re selling your home, you’re ready to move forward. That means a new home, and a fresh start. When styling your kitchen, neatly pack away anything that’s too personal, and store it ready to unpack in your new home. You’ll feel more comfortable without the photographer catching your children’s portraits in the background, and a blank canvas will help potential buyers envision their family in the space.

The same rule applies for fridge magnets and personalised name hangings. In fact, anything that is sentimental is best out of shot. Yes, the kitchen is a family space, but it’s best to pack any rogue toys into storage. Because, whilst an endless trail of toys is the reality of our homes, no one is ever really impressed by reality.

Home styling is about romanticising reality. It’s about creating an ideal that is unachievable every day. Take pets for example. Most families have a furry friend or two, and yet no one really likes to see their food bowls and litter trays. So animal lovers or not, potential buyers will thank you for hiding the cat mat out of shot when the photographer arrives.

Dress

Now that the kitchen is a fresh blank canvas, let’s have some fun. Dressing a home to appeal to another family can be tricky; you know what appeals you to you, but making your home desirable to another family is a whole other ball game. A flick through a few home magazines is a great source of inspiration. But a few finishing touches might be all you need to catch people’s eye.

So, where to start? Take a step back, and look at your de-cluttered, de-personalised kitchen. How does it look? Hopefully the words ‘spacious’ and ‘open’ spring to mind. But the de-personalisation might have made the space a little cold now too. So, now we personalise again. Seems illogical, but there’s a theory to the madness. This time, we personalise with potential buyers in mind. It’s not true personalisation, but staging is, well, staged. And it’ll help other families to picture their family living inside.

The next time you’re mooching around John Lewis, or browsing The Little White Company’s website, take a look at their homeware and accessories. It’ll give you inspiration for your new home, and anything you pick up can be taken with you once your home sells.

For larger textiles, such as curtains and blinds, opt for neutral, subtle tones, and steer clear of any bold, loud patterns. Cushions and throws can add a touch of colour to your kitchen chairs or sofas, but again, pick out the calmer colours. Fresh textiles are a quick way to add warmth and homeliness, but we want to keep a calming environment too. Anything with too much personality, or that jumps out, should be left on the shelf. These finishing touches shouldn’t be a feature, and they shouldn’t detract from the kitchen itself. They should simply compliment the room, and make it cosy.

Kitchen tables can be a feature though, and if dressed to impress, they can help bring a room to life. So if you’re tableware is a little tired or outdated, it’s the perfect excuse to indulge in a new set. Table mats that complement the decor add a nice touch too. Laying a contemporary runner down the center, and placing a delicate trail of candles, completes the elegant finishing.

Happy selling!

Sam

The post Photography Tips for your Kitchen When Selling your Home appeared first on Home Truths.

from Home Truths http://bit.ly/2Gmu8ls
via IFTTT

Photography Tips for your Kitchen When Selling your Home

The prospect of a photographer taking pictures of your home isn’t always the most pleasant thought. You want your home to appear homely and inviting, but not too lived in. And you want it to look clean and neutral, but definitely not clinical. Sounds complicated, but our home staging rule is simple: declutter, de-personalise and dress. And since it’s the hub of the home, let’s apply our method to the kitchen. Because, here’s a secret: it’s not the photography itself that’ll catch people’s eye; it’s the preparation before the photographer arrives.

De-clutter

Let’s start by decluttering. Sounds taxing, but it doesn’t have to be. Simply make sure that all worktops are clear, chopping boards are put away, and tea towels are tucked out of sight. The same applies to bins. Yes, every kitchen has bins. But there’s no avoiding that even the most tasteful bin, is a rubbish container in disguise. And anything that can be associated with dirt and grime is not a welcome distraction.

In fact, anything that can be removed, probably should be removed. Because the kitchen should look as spacious as possible. So if your microwave lives on the worktop, consider giving it a temporary new home. Appliances on show make the kitchen look cramped, and a lack of space is unappealing to any family.

De-personalise

Preparing your home for a photographer can feel a little intrusive. Your home is filled with your family’s memories, and the personalised touches are special to the people inside. But since it’s an unavoidable formality when selling your home, it’s best to take it as an opportunity, not a chore.

Because if you’re selling your home, you’re ready to move forward. That means a new home, and a fresh start. When styling your kitchen, neatly pack away anything that’s too personal, and store it ready to unpack in your new home. You’ll feel more comfortable without the photographer catching your children’s portraits in the background, and a blank canvas will help potential buyers envision their family in the space.

The same rule applies for fridge magnets and personalised name hangings. In fact, anything that is sentimental is best out of shot. Yes, the kitchen is a family space, but it’s best to pack any rogue toys into storage. Because, whilst an endless trail of toys is the reality of our homes, no one is ever really impressed by reality.

Home styling is about romanticising reality. It’s about creating an ideal that is unachievable every day. Take pets for example. Most families have a furry friend or two, and yet no one really likes to see their food bowls and litter trays. So animal lovers or not, potential buyers will thank you for hiding the cat mat out of shot when the photographer arrives.

Dress

Now that the kitchen is a fresh blank canvas, let’s have some fun. Dressing a home to appeal to another family can be tricky; you know what appeals you to you, but making your home desirable to another family is a whole other ball game. A flick through a few home magazines is a great source of inspiration. But a few finishing touches might be all you need to catch people’s eye.

So, where to start? Take a step back, and look at your de-cluttered, de-personalised kitchen. How does it look? Hopefully the words ‘spacious’ and ‘open’ spring to mind. But the de-personalisation might have made the space a little cold now too. So, now we personalise again. Seems illogical, but there’s a theory to the madness. This time, we personalise with potential buyers in mind. It’s not true personalisation, but staging is, well, staged. And it’ll help other families to picture their family living inside.

The next time you’re mooching around John Lewis, or browsing The Little White Company’s website, take a look at their homeware and accessories. It’ll give you inspiration for your new home, and anything you pick up can be taken with you once your home sells.

For larger textiles, such as curtains and blinds, opt for neutral, subtle tones, and steer clear of any bold, loud patterns. Cushions and throws can add a touch of colour to your kitchen chairs or sofas, but again, pick out the calmer colours. Fresh textiles are a quick way to add warmth and homeliness, but we want to keep a calming environment too. Anything with too much personality, or that jumps out, should be left on the shelf. These finishing touches shouldn’t be a feature, and they shouldn’t detract from the kitchen itself. They should simply compliment the room, and make it cosy.

Kitchen tables can be a feature though, and if dressed to impress, they can help bring a room to life. So if you’re tableware is a little tired or outdated, it’s the perfect excuse to indulge in a new set. Table mats that complement the decor add a nice touch too. Laying a contemporary runner down the center, and placing a delicate trail of candles, completes the elegant finishing.

Happy selling!

Sam

The post Photography Tips for your Kitchen When Selling your Home appeared first on Home Truths.

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Why you should check your credit score before searching for a new home Nottingham Estate Agents

Buying or renting a new house can be stressful enough without nasty surprises such as a poor credit rating slowing things down, especially when it may be easy to improve if you know about it in advance. When choosing to rent, letting agents and landlords want to know you are credible and can pay your […]

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