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Landlords Handbook Things you need to know

A new breed of estate agency


Contents

with lots of

and useful information to help you to achieve your property’s

maximum potential.

www.freshbluesky.jpcweb.co.uk

 Step 1) Assessing the rental value of your property

Step 2) Choosing the right level of service Step 3) Marketing your property Step 4) Choosing your letting agent Step 5) Presenting your property Step 6) Getting ready for the start of a tenancy Step 7) Successful viewings Step 8) Securing a tenancy Step 9) Referencing your tenants Step 10) Completion Step 11) Looking after your tenancy

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Our services to you 14 Financial & legal elements 20 FAQ’s 24 Estate agency terms explained 26

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packed this step-by-step guide to lettings

Letting with Blue Sky The letting process


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Contents

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We’ll listen to you

In order to meet your requirements we need to understand fully what you’re looking for - and the best packed this step-by-step way for us to do that is to listen. Whatever you want, just guide to lettings tell us and we’ll do our very best to deliver. We’re taking a fresh approach to lettings and setting our

with lots of and up-to-date information Honest advice

standards high. We believe you have every right to expect commitment, discretion and personal integrity, so we’ll make sure you receive just that.

What you can expect... To hear from us regularly

You need to be able to make informed decisions about letting your property. Our experience and expertise will help us to guide you through an ever-changing rental market, and we’ve packed our website and this guide full of handy tips and useful information to help you make the best decisions.

and useful information

We want you to know exactly what we’re doing to get your property let. We’ll call, email, and text you with to help you to achieve regular updates and guidance, so we’ll never lose touch Professional standards your property’s and leave you in the dark. You’ll also have online access to We set our standards high, are full members of the your personal property account where you can:Property Ombudsman and ARLA, and follow their Codes Find feedback from all your viewings, of Practice as well as our own. You want to know you’re in safe hands, which is why all our staff are fully trained Find when and where your property is being and have, or are working towards, industry recognised marketed, qualifications. Check for future viewings, and

maximum potential.

Monitor progress of your let through to completion.

Commitment

We’ll do what we’ve said we’ll do it every step of way. Sounds simple, and it is simple. No matter which level of service you choose, we won’t let you down.

Choice Whether you are looking for a fully managed service or simply want us to find you the right tenant, we can create a service package to suit you. Choose from one of our four service levels or create your own by selecting from the optional extras.

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Letting with Blue Sky letting process The letting process explained Step-by-Step

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the rental 1 Assessing value of your property 3

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Step 1) Assessing the rental value of your property Step 2) Choosing the right level of service Step 3) Marketing your property Step 4) Choosing your letting agent Step 5) Presenting your property Step 6) Getting ready for the start of a tenancy Step 7) Successful viewings Step 8) Securing a tenancy Marketing Presenting Successful Referencing Step 9) your Referencing your property property your tenants viewings your tenants Step 10) Completion Step 11) Looking after your tenancy

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the right your ready 2 Choosing 4 Choosing 6 Getting 8 level of service letting agent for the start of a tenancy Our services to you

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Securing a tenancy

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Completion

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Financial & legal elements

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FAQ’s

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Estate agency terms explained

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Letting a property can seem like a complicated process. To make things easier for you we’ve prepared this handy guide to help you understand the fundamental process of letting a property, the choices you have and points to consider. We’ve included an explanation of our procedures, so you know what to expect every step of the way.

Th e le Fi O tt na ur nc se ing ia l & rvic pro es ce le ss to ga FA le yo G lo Q le u ss ’s m ar en y ts

Letting with Blue Sky


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The first step in this process is to get an accurate rental value of your property from local experts. It’s advisable to arrange two or three valuations with local letting agents, packed this step-by-step so you can compare their advice and rental valuations for guide to lettings the property. Estate agent

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Telephone number

Valuation

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and useful information

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to help you to achieve your property’s

maximum potential. £

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Contents

Choosing the right level of service 1 Letting with Blue Sky Not all letting agents offer the same level of service, but What’s your budget? this can be the key to a smooth and successful let. There process 2 to The letting Your agent should be able to tailor a service package

are a number of aspects to consider:  suitvalue your budget. more involved you are in your Step 1) Assessing the rental of your The property 3 own the of cheaper the fees should be. You may choose Step 2) Choosing the rightlet level service 4 to save money by letting your property yourself, or you may How involved would you like to be in the letting of your property Step 3) Marketing 5 prefer to spend a little more for extra marketing and support. To your property? Step 4) Choosing your letting agent 6 ensure you get the best value, compare not only agents’ Step 5) Presenting your property 7 Would you rather leave it all to a professional and not have fees but the levels of service you will receive for your Steprather 6) Getting ready for the start of a tenancy 8 to think about a thing? Or perhaps you’d let your money. Step 7) Successful viewings 9 property yourself just using an agent to set everything up Step 8) Securing a tenancy 10 at the beginning and point you in the right direction. Step 9) Referencing your tenants 11 How much experience do you have ? Step 10) Completion 12 The more experience you have, the easier it will be. How much time do you have to dedicate the after your Step 11)to Looking tenancy 13 However, if you have little or no experience, it can be letting of your property? invaluable to have an expert working on your behalf during The greater the role you play in the letting of your property the letting process. the more time you will need to set aside for organising and You should agree the levels of service you expect from your conducting viewings, setting up the tenancy and also the agent before instructing them, and make sure these service management of the property. If you have little spare time levels are written into the terms of business before you sign you will need to choose a service level that gives you: them.  A dedicated point of contact at the letting agency. At Blue Sky, we offer four different service packages, Guaranteed levels of regular contact. designed and priced to suit you. Each is clearly specified so Online access to all your property history and notes. you’ll know exactly what to expect from us. If you wish, you can also choose from our optional extras to create a truly personalised service package that’s just right for you.

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Financial & legal elements

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FAQ’s

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Estate agency terms explained

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Assessing the rental value of your property

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The way your property is marketed will directy affect the time it takes to let.

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To find the perfect tenant you need to cast your net far and wide. To achieve maximum exposure your property packed this step-by-step should be marketed across a wide range of media.

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Your ideal marketing package should include all the following:

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Professional, full-colour property particulars, with tempting descriptions, accurate measurements, floor plans, EPC details, directions, location maps and additional information like council tax banding, parking availablility dates and more. Attractive and prominent signboards to promote your property 24/7.

and useful information

A dynamic, informative, user-friendly website that showcases your home to its fullest using slideshow photography, floor plans and, if you wish, virtual tours, links to Google Earth, and much more.

to help you to achieve

Exposure on the most popular property websites, including rightmove.co.uk, Zoopla.co.uk and your property’s Primelocation.com

maximum potential.

Further exposure in the local press with feature listings and potential editorial coverage.

Sending details of your property by email, text and post to an up-to-date database of vetted tenants, along with proactive phone canvassing. Additional coverage in the window of our local office on our feature LCD display. We will present your property to potential tenants with slide show photography, giving more detail than ever before. Mobile access to our property database means we can show details of your property to potential tenants while away from the office, and book them in to view there and then. We will prepare a marketing plan specifically for you and your property, and review it with you on a regular basis until a suitable tenant is found.

Contents

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to you and your potential tenants. Although it can be Estate agent 1)on Assessing the rental value of your property tempting just to go with a gut feelingStep based the person Step making 2) Choosing the right Notes level of service that comes to value your property, before a Step 3) Marketing your property decision it’s worth considering these questions: Step 4) Choosing your letting agent How will they market my property to tenants? Step 5) Presenting your property What are the terms of their contract? Step 6) Getting ready for the start of a tenancy 7) Successful What terms do they offer tenantsStep and what do they viewings Step 8) Securing a tenancy charge them? Estate agent Step 9) Referencing A  sk for a copy of their terms and conditions so you canyour tenants familiarise yourself with them. Step 10) Completion Notes Step 11) Looking after your tenancy How much will I be charged?

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What levels of service do they offer? What are their opening hours?

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Will they advertise my property in the local press?

Do they have a great website that is easy to use and attracts tenants?

FAQ’s What other property websites will they advertise my property on?

Estate agent

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Notes

Estate agency terms explained

Do they use email and text to promote properties to tenants?

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Are their property particulars presented to a high standard? Do their agents have mobile access to their database, to ensure they always have the correct information about my property when they’re on a viewing, or speaking to potential tenants away from their office? Do they have a good understanding of the local area and amenities? Was their manner professional and helpful? Do they have a good reputation?

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Estate agent

Choosing your Notes letting agent Letting with Blue Sky It’s vital to select the right letting agent – one who will act in your best interests and deliver a professional service The letting process

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Marketing your property

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Most potential tenants only view a property once, so first Pleasant aromas create a welcoming ambience, so make impressions matter. The way you present the property will sure rooms are well aired – but don’t overdo it, as too have an impact not only on the level of interest but packed on the much air freshener can be overpowering. this step-by-step rent potential tenants are willing to pay. Below are some guide to lettings Getting your carpets professionally cleaned can bring useful tips to get your property looking its best. them up looking like new. Start at the front. Does your property have ‘kerb Professionally clean the property from top to bottom. appeal’? It’s the very first bit people see when viewing. Dust skirting boards, clean windows inside and out, Make sure the front of your home looks neat, tidy and clean curtains, dust lamp shades and so on. A clean well maintained; this will have a huge impact on the level property will reassure tenants and show it at its best. of interest. A garden or outside space can often be a property’s Good lighting will make your home look bright and strongest selling point. Mow lawns, cut back hedges, inviting, so make sure all bulbs are working and window clear paths, clear dead leaves, and weed flower beds. coverings are pulled back. to help you Weto canachieve recommend qualified and vetted local tradesmen, A new coat of paint will freshen up a property and your property’s should you need them. remove marks and scuffs that can be off-putting to Your agent will fix a time to visit and take photographs. tenants. Tone down dark strong paint colours with softer Make sure the property is looking its best as these pictures natural colours; this will also help to create a feeling of are the first glimpse tenants will have of your property. space. Potential tenants will often decide whether to view based on If a property is being offered on a furnished or partpictures alone, so ensure your agent provides high quality furnished basis, ensure the furniture is laid out so that it photography. makes the rooms look large and inviting (don’t leave it all pushed into one corner).

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Deal with all those ‘little jobs’. Fix loose fittings, doors that don’t close properly, broken tiles, damaged fence panels and so on.

Date of agent’s visit: With whom:

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Contents

Getting ready for the start of a tenancy 1 Letting with Blue Sky Before your tenants move in, you need to prepare the Meter readings property. The simple tasks listed on this page will help The letting process Meter readings will need to be taken and passed2 to your

ensure your tenancy runs smoothly from the outset. utility suppliers with the new tenants’ details. It will be Step 1) Assessing the rental value of your property 3 your responsibility to ensure that this has been done Step 2) Choosing the right level of service 4 Inventory correctly and liability has passed to the tenants. If we are Step 3) Marketing your property 5 We recommend that all landlords obtain a professional managing the tenancy on your behalf this will be included Step 4) Choosing your letting agent 6 and comprehensive inventory report. If you need to make as part of our service. Step 5) Presenting your property 7 deductions from your tenants’ security deposit at the end Step 6) Getting ready for the start of a tenancy 8 of the tenancy you will need supporting documentation. In Legal obligations Step 7) Successful viewings 9 the event of a dispute at the end of the tenancy, you will be Step 8) Securing a tenancyYou’ll need to make sure the property meets certain 10 unlikely to prove any damage or loss without an inventory standards and provide necessary certification. Have Step 9) Referencing your tenants 11 a taken at the start and end dates of the tenancy. Without look at the financial and legal elements section of Step 10) Completion 12this this evidence, the Independent Claims Examiner would be handbook Step 11) Looking after your tenancy for further information. If we are managing 13 the likely to award any disputed amount to your tenant. tenancy for you we will ensure that all legal requirements Blue Sky can prepare a professional inventory report are met. detailing every aspect of your property’s internal basic structure, the general decorative condition and all Maintenance and repair fixtures and fittings. It will cover all areas provided for the Make sure you deal with all repair and remedial works tenants’ use, such as sheds, garages, gardens etc, and needed, and ensure everything is in good order before will be backed up with a photographic schedule showing the tenancy begins. Apart from your legal obligations the property’s condition. Both you and your tenant will to keep the property well maintained, failure to do so receive a copy. If we are managing the tenancy on your may mean that later improvements are not recorded behalf this will be included as part of our service. on your inventory, it will become harder for contractors to gain access once tenants move on, and in extreme Cleaning circumstances your tenants might be able to withhold We strongly recommend that a property is professionally rental payments until works are complete. cleaned before the tenancy starts. This is a recognised standard and should be noted as such in an inventory, setting the standard of cleanliness for the tenant when the tenancy ends.

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Estate agency terms explained

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Presenting your property

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Successful viewings

Viewings should always be accompanied by an agent, who will have the knowledge and expertise to answer any questions a potential tenant may have. They will be able packed to promote your property’s benefits and secure the let.

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Feedback

Feedback from viewings is critical as it builds a picture of this howstep-by-step your property is performing against other properties on the market. You and your agent should use the guide to lettings feedback from viewers to monitor and adjust the approach until the property has let. We will ensure you receive To ensure viewings are a success provide your agent feedback within 24 hours of a viewing taking place! with the following:

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A full set of keys, its usually best to supply your agent with keys so they can conduct viewings at short notice. However, agents should never gain access without your or your current tenant’s permission.

and useful information

If you choose to carry out your own viewings we’ll give you all the help and support you need.

to help you to achieve your property’s Other relevant access information: we will require Alarm codes.

maximum potential.

access to all areas that will be included in a tenancy, such as garages and sheds.

Details of current occupiers and any special instructions about gaining access.

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Contents Letting with Blue Sky The letting process

When a potential tenant wishes to rent your property, Make a note of the details of the offer you have provisionally accepted: we will provide you with their basic details and offer. If in principle you are happy to proceed we will take the 1) Assessing value of your property relevant fees from the tenant on yourStep behalf, and stop the rental Tenant’s name: Step 2) Choosing the right level of service viewings for five working days. Rental offer accepted: Step 3) Marketing your property Within the five working days the potential tenants have to Step 4) Choosing your letting Dateagent of offer: provide their full application details. If they fail to do so, Step 5) Presenting your property Move in date: we will restart viewings. On receipt of their application Step 6) Getting ready for the start of a tenancy we will contact you to discuss their application in further Terms aggreed: Step 7) Successful viewings detail, and are happy to give advice and guidance to help Step 8) Securing a tenancy you decide whether to accept the application or not. Step 9) Referencing your tenants If you are happy to proceed we will move forward with Step 10) Completion referencing, and market the propertyStep as ‘Let stc’ (subject The person referencing the tenants is: 11) Looking after your tenancy to contract).

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References should be completed swiftly to avoid financial We understand that you want a fast turnaround on loss if a tenant is unsuitable. Referencing is the only way referencing to avoid delays in marketing if the application to truly know what kind of person you will be letting to. is unsuccessful. We aim to process all applications within packed this step-by-step Following a gut feeling can land you in hot water if it turns seven working days, and we will keep you updated on guide to lettings out you have been misled. progress via text or email.

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We collect the following information:

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If your prospective tenants fail the referencing process we will remarket your property and give you £150 to compensate you for time lost while the property was off the market.

and useful information

Identification checks, Credit checks,

If we are unable to complete referencing due to outstanding information, after 15 working days the property will be remarketed.

3 years’ residency checks, Employer’s reference or proof of income. Imigration checks.

Where necessary we will also collect: A personal reference,

If the tenants’ references are satisfactory, we will confirm this

to help you to achieve to you in writing, and set a date for the tenancy to start. your property’s

maximum potential.

Bank account checks on their last three months’ account activity, Pet referencing.

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Completion Letting with Blue Sky We will send you copies of the tenancy agreement for approval. It’s important that you read it carefully as it’s a The letting process

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legally binding document. If you have chosen to provide Step 1) to Assessing your own tenancy agreement, you will need ensure itthe rental value of your property 2) the Choosing the right level of service complies with current legislation andStep meets individual requirements of this specific tenancy.Step 3) Marketing your property Step 4) Choosing your letting agent Unless otherwise agreed, we will arrange for your tenants Step 5) Presenting your property to come to our office to pay all the money due in cleared Step 6) Getting ready for the start of a tenancy funds and sign the tenancy agreements. We will also Step 7) Successful viewings process any other relevant documents for you. We want Step 8) Securing a tenancy to ensure you have a stress-free tenancy, which is why we Step 9) Referencing your tenants then accompany the tenant to the property to oversee Step 10) Completion their arrival, where we will: Step 11) Looking after your tenancy Supply them with a moving-in guide which gives details about the property, utility providers, contact information in case of maintenance issues and emergencies, useful telephone numbers and information about their responsibilities as tenants.

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Show them where all the meters are and take readings.

Provide them with information such as where the stop taps are and when the bins are collected. Provide copies of instruction manuals for electrical appliances, the heating system, oven etc that you have supplied to us.

If we are providing an inventory, we will also check it off with the tenant at the property and get it signed there and then to ensure you are protected if the tenant causes any damage. Supply them with two complete sets of keys, and check they all work correctly. Answer any general questions they may have about the property at this time. www.freshbluesky.jpcweb.co.uk

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Managing a tenancy doesn’t end when we hand over the keys. Throughout the tenancy, legal obligations must be met, maintenance and repairs will need to be dealt packed this step-by-step with swiftly and cost effectively by certified and properly guide to lettings insured engineers, rent will need to be collected and monitored and inspections of the property will need to be carried out.

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Looking after your tenancy

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If you choose to manage the tenancy yourself we will provide you with information about your responsibilities, and you can opt to receive our landlords’ bulletin via email. It will keep you posted on any changes in the law that may affect you and your tenancy.

The easiest solution is to let us manage the tenancy for tothehelp you to achieve you. It is great value for money when you consider your extra services we provide, not to mention the time you property’s will save. Most importantly, you’ll have the peace of mind that comes from knowing that a professional, experienced and dedicated property manager will be responsible for managing your tenancy correctly and efficiently without you having to lift a finger.

and useful information

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You can choose from 1 of the following 4 service packages and add any of Step 1) Assessing the rental value of your property our other services to create a truly tailored letting experience. Step 2) Choosing the right level of service Step 3) Marketing your property Step 4) Choosing your letting agent Step 5) Presenting your property Step 6) Getting ready for the start of a tenancy Step 7) Successful viewings Step 8) Securing a tenancy Step 9) Referencing your tenants Step 10) Completion Step 11) Looking after your tenancy

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Finding a tenant 

Simply letting

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Fully managed letting FAQ’s

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Letting with rent collection

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G  AS AND ELECTRICAL SAFETY – We can arrange for suitably qualified engineers to complete the necessary safety checks on your behalf.

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 TRANSFER MONIES – We will collect the first month’s rent and prepare a standing order so that subsequent rental payments from your tenants’ account are paid directly into your nominated account.

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F  URNISHINGS AND FIRE SAFETY – We will help you check that all your furniture and furnishings comply with regulations, and we will help you to ensure your property has all the necessary fire prevention measures in place.

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•O  n our website freshBlueSky.co.uk, a dynamic, informative and user-friendly website that showcases your home to its fullest using slideshow photography and much more.

 REFERENCING – We will thoroughly reference tenants, which allows us to gain a much better understanding of your potential new tenants’ circumstances and ensure they meet our requirements. We guarantee to complete referencing within 15 working days and, if the tenants fail or withdraw, we will give you £150.

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 PROVIDE A TENANCY AGREEMENT – To ensure you are protected during the tenancy and to set out the agreed terms.

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 HELP AND SUPPORT – We are always at the end of the phone and happy to offer advice and help in any way we can. Feel free to pop into our office for a chat whenever you want.

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• On the most popular property portals including Rightmove, Zoopla and Primelocation.com

L  EGAL OBLIGATIONS – Letting regulations change regularly, so we can help you ensure you meet your legal requirements as a landlord, protecting you from potential pitfalls.

Financial & legal elements

 NEGOTIATION - Following your instructions, we will negotiate terms with potential tenants, looking after your interests as our client. We see our tenants as an extension of our business and wont recommend anyone we wouldn’t let into our own homes too.

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EXPOSE your property to the widest possible audience of potential tenants:

interested tenants and marketing information.

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maximum potential.

 PREPARE detailed particulars for your property, with quality wide-angle photography, room measurements, floor plans, and enticing descriptions of the property, local area and amenities.

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Letting with Blue Sky The letting process

If you are happy to manage your tenancy on a day-to-day  DEPOSIT - The agreed security deposit will be basis but prefer not to deal with setting up the tenancy, transferred to you so that you can place it in an and want to take advantage of our high marketing levels, approved Tenant Deposit Scheme – or we can arrange Step 1)then Assessing of your property 3 which are unavailable to private landlords, this is the rental value this on your behalf for a small extra fee. 2) is Choosing 4 the service for you. Finding the rightStep tenant essentialthe right level of service  MOVE THE TENANTS IN - We’ll meet the tenants at Step 3)the Marketing 5 for a smooth tenancy and if you don’t have time or your property the property, show them where the meters and stop Step 4) Choosing your letting agent 6 experience to do this yourself you can leave it to us with taps are, run through all the relevant paperwork Step 5) Presenting your property 7 and complete confidence. supply tenant with all the info they need for Step 6) Getting ready for the start ofthe a tenancy 8 the tenancy to run smoothly. Step 7) Successful viewings 9 As well as the services included in our8) Securing a tenancy Step 10 Step 9) Referencing your tenants 11 Finding a Tenant package, you also get: Step 10) Completion 12  Step 11) Looking after your tenancy 13 ACCOMPANIED VIEWINGS – We carry out accompanied viewings and give feedback within 24 hours. Our extended opening hours ensure we get tenants in to view your property as quickly as possible.

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These unrivalled levels of promotion and marketing will This service level offers great value and is suited to ensure you find the right tenant faster. experienced landlords who have time to meet prospective • Proactive canvassing of our up-to-date database of tenants and manage the tenancy. The marketing of your packed this step-by-step vetted tenants via phone, email, text and the post. property is key to finding the right tenants. We create guide to lettings • Mobile access to our database of properties means professional, detailed particulars of your property and we can show details of your home to interested provide you with high levels of marketing unavailable to tenants while away from the office, and book them in private landlords. We then pass you details of prospective to view there and then. tenants, enabling you to find tenants faster, and you can always contact us for additional help and advice. When INTERVIEW all potential tenants to ensure they meet you’ve found prospective tenants, we’ll reference them on certain criteria, using our experience to help you select your behalf and draw up a tenancy agreement so all the the right tenants. We then pass their details on to you basics are covered. to arrange viewings, safe in the knowledge that you We will: will only be meeting suitably vetted tenants, ensuring your safety and saving you time. ASSESS the potential rental value of your property in you to to help achieve current market conditions, and recommend the most your property’s  A PERSONAL ACCOUNT - Information is key and suitable type of tenant to help you maximise your you will have 24/7 access to all your property records property’s rental return. online via your Blue Sky account, including details of all

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 • With your permission we will erect an attractive and prominent ‘To Let’ board to promote your property 24-7.

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Provide electrical safety testing, including Portable Appliance Testing (PAT)

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Place the security deposit in an approved Tenant

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Carry out referencing.

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Arrange quotations and organise any required maintenence work.

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 INSPECTIONS – We will inspect the property three months after the start of the tenancy to ensure it’s in a good state of repair and the tenants are keeping it in a satisfactory manner. We’ll carry out further inspections every four months until the end of the tenancy – or more regularly if we feel it’s necessary.

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 MAINTENANCE – We’ll deal with any maintenance issues arising on a day-to-day basis and only use qualified local contractors with the correct insurance. We will always seek your permission before carrying out any work, except in genuine emergencies where we will exercise our discretion and organise any reasonable work needed to keep the property or your tenant safe. www.freshbluesky.jpcweb.co.uk

Provide an Energy Performance Certificate (EPC).

Financial & legal elements Provide a Gas Safety Certificate.

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 CHECK-OUT – We will check out your tenants at the end of the tenancy, inspect the property and can organise quotes for any work needed. We will liaise with the tenant if we need to deduct any money from their deposit to cover this work.

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 GUARANTEE TO PAY YOUR RENT – Whether or not your tenants have paid we will transfer the rent less deductions for pre-agreed fees and outgoings to your nominated bank account. We will normally do this within 2 working days.

Carry out mid-tenancy inspections.

Our services to  you Co-ordinate tenancy renewal.

 PERSONAL CONTACT - You’ll be given an individual contact responsible for the management of your property, so you’ll always be able to deal with someone familiar who has a complete understanding of your requirements and your property’s history. We’ll work hard to ensure you get maximum return on your property rental.

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INVENTORY – We will prepare an inventory for to help you to achieve  ONGOING ADVICE AND GUIDANCE – To ensure you the property and its contents, fixtures and fittings, your property’s meet your legal obligations as a landlord. together with a photographic schedule of condition. This is essential when it comes to negotiating any  NEGOTIATE EXTENSIONS TO THE TENANCY – necessary deductions from a tenant’s deposit when Including an upward rent review where appropriate. the tenancy comes to an end  PERSONAL ACCOUNT – During the tenancy you  GAS, ELECTRICITY, WATER AND COUNCIL TAX will be given a personal online account allowing you LIABILITY – We’ll manage the transfer of billing access to information about your tenancy 24/7. This liability from you to the tenant. should prove especially useful if you live overseas.

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 LEGAL EVICTION COSTS – Should the tenant fall more than X month(s) into arrears we’ll cover the costs of eviction.

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package, you will also get:

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Letting with Blue Sky The letting process

Quite simply, with this service we do everything. So if you We will not mark up invoices for work carried out on don’t live in the area or don’t have time to manage your your property, and we are happy to deal with your property effectively on a day-to-day basis, leave it to us. own nominated contractors. You won’t have to lift a finger. Step 1) Assessing the rental value of your property 3 Step 2) Choosing the right level of service 4 As well as the services included in our letting with Optional extras – charged separately Step 3) Marketing your property 5 rent collection package, you will also get: Step 4) Choosing your letting agent 6 Just add any of these optional extras to one of our Step 5) Presenting your property 7 right packages to create a truly tailored service that’s just  PROFESSIONAL CLEANING – To start the tenancy Step 6) Getting ready for for theyou. startWe of can: a tenancy 8 off on the right footing, we will ensure propertyviewings is Step 7)the Successful 9 Prepare an inventory with a photographic schedule professionally cleaned before your tenants move in. Step 8) Securing a tenancy 10 of condition. Step 9) Referencing 11  MANAGE ALL DAY-TO-DAY CONTACT WITH YOUR your tenants  Check tenants into the property. Step 10) Completion 12 TENANT – Plus all routine matters arising during the Steporganisations 11) Looking after tenancy 13 tenancy, including liaising with other e.g. your  Check out the tenants at the end of the tenancy.

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If you are happy to have contact with your tenants and want to look after the maintenance of the property but  STATEMENTS – We’ll send you a detailed monthly don’t want the hassle of setting up the tenancy and packed this step-by-step statement of account. If you wish we can also send a dealing with all things financial this is the service for you. to lettings copy to your nominated accountant or solicitor. We guide Not only will you benefit from our high marketing levels, will also text you when payments are made so you we will also set up the tenancy, deal with the deposit, don’t have to keep checking your account to see if the collect the rent, negotiate any rent increases and process rent is in. the associated paperwork on your behalf.  PURSUE UNPAID RENT – Contact with your tenant and any guarantors. To clear arrears and move on from financial stumbles. As well as the services included in our Simply Letting

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Financial Letting & legal elements with Blue Sky packed this step-by-step guide to lettings

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and useful information to help you to achieve your property’s

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The letting process

Whether you are a portfolio landlord or letting a property Maintenance and repair for the first time, rental legislation can sometimes become Under Section 11 property of the Landlord and Tenant Act 31985 you Step 1) Assessing the rental value of your a bit of a minefield, with rules and regulations constantly have a responsibility to keep the property in good4 order Step 2) Choosing the right level of service changing. We ensure we are always up to date with and repair. This includes the structure of the property, Step 3) Marketing your property 5 current regulations and can advise you on how to stay appliances Step 4) Choosing your letting agent for the supply of gas, electricity and water, 6 compliant and avoid large penalties for not staying within heating systems including the supply of hot water,7 and Step 5) Presenting your property the law. You should ensure that there 8are no Step 6) Getting ready for sanitary the startappliances. of a tenancy outstanding maintenance issues or faulty equipment Step 7) Successful viewings 9 at Consents to let Step 8) Securing a tenancythe start of a tenancy. It is important that any repairs 10 are Before letting your property you need to 9) gain the carried out quickly as the tenant may otherwise have Step Referencing your tenants 11 a following consents: legal right to reduce their rental payments. Step 10) Completion 12 11) consent Lookingand after your tenancy You must obtain your mortgageStep lender’s If you supply white goods like washing machines 13 and adhere to any conditions they may impose – otherwise firdge freezers then it is your responsibility as the landlord you may be defaulting on the terms of your mortgage. to maintain this equipment throughout the tenancy.

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You must notify your insurance companies of your intention to let the property – otherwise your policies may be void and you will be unable to make any claims. If it is a leasehold property, you need the freeholder’s permission, and any special terms in your lease will need to be followed.

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If the property is jointly owned, all the co-owners must be named in the terms of business and in the tenancy agreement.

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We can place the security deposit in one of the above schemes, register it correctly, and mediate any dispute on your behalf.

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Each local authority has its own specific rules and procedures regarding HMOs, and you may be required to register with them and apply for a licence. HMOs are subject to higher safety regulations than normal tenancies, and you will need to ensure these are met to avoid potential prosecution. In general, a property is classed as an HMO if it is occupied by three or more individuals who form two or more ‘households’ and share kitchen, bathroom or toilet facilities. If you think your property may be classed as an HMO please talk to us and we’ll give you

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All non-compliant furniture must be removed from the property before the start of a tenancy. www.freshbluesky.jpcweb.co.uk

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These regulations apply to sofas, beds, mattresses, loose covers for furniture, cushions and pillows, garden furniture suitable for indoor use, and some other items. They do not apply to curtains, carpets, bed linen, duvets or mattress covers. Furniture must have the relevant safety label (a triangle with a smoking cigarette). For guidance on which items must comply with these regulations, visit the Office of Public Sector Information website at:

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Required to use qualified electricians who comply with current certification requirements to carry out electrical works.

Before you let your property, you must ensure that all the furniture and soft furnishings complies with the provisions of the Furniture and Furnishings (Fire) (Safety) Regulations 1988 and the later amendments to the Act.

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Required to ensure that all electrical appliances, plugs and sockets are safe and properly tested and repaired or replaced as necessary.

Furniture and furnishings regulations

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Under The Electrical Equipment (Safety) Regulations 1994, The Consumer Protection Act 1987, and The Plugs and Sockets etc (Safety) Regulations 1994 you are:

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Failure to have electrical installations and equipment safety checked could invalidate your landlords and buildings insurance, so we recommend you check your policy. If a tenant is harmed as a result of faulty electrical We can arrange for Gas Safety Checks to be carried out to help you to achieve installations or appliances you may be held liable and on your behalf. Failure to comply with these requrirements your property’s sued for civil damages. If an electrical fault results in more could result in criminal prosecution, an unlimited fine or serious injury or death, criminal charges could be brought even imprisonment. against you. If you wish, we can organise all electrical testing on your behalf. Electrical safety

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existing tenant within 28 days of the Gas Safety Check being completed. New tenants must be supplied with a copy of this certificate before the tenancy starts.

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Building Regulations require that properties built since Deposit June 1992 are fitted with mains operated smoke detectors For your peace of mind we will take a security deposit and alarms on each floor. Although such regulations do from your tenants on your behalf which can be used at the not apply to older properties, we strongly recommend end of the tenancy in case of unpaid rent or damage to that you provide smoke alarms and a carbon monoxide the property. This deposit is usually equal to five weeks’ detector in any property to be let. Step 1) Assessing the rental value of your property 3 rent. From 6 April 2007, under the Housing Act 2004, Blue Sky will not let a property that does not have at Step 2) Choosing the right level of service 4 any damage deposit taken on an Assured Shorthold least one working battery-powered smoke fitted your property Step 3)alarm Marketing 5 Tenancy needs to be held in one of the three government on each floor. Step 4) Choosing your letting agent 6 approved schemes. These are; Step 5) Presenting your property 7  The Deposit Protection Service (The DPS) Energy Performance Certificate (EPC) Step 6) Getting ready for the start of a tenancy 8 Step 7) Successful viewings 9  The Tenancy Deposit Scheme (The TDS) Since 1 October 2008 it has been a legal requirement for Step 8) Securing a tenancy 10 landlords to provide a valid EPC for all properties being My Deposits Step 9)performance Referencing your tenants 11 offered to let. An EPC assesses the energy Deposits must be registered with one of the above Step 10) Completion 12 of a property, from A, which represents the most energyschemes and details forwarded to your tenant within Step 11) Looking after your tenancy 13 efficient properties, to G, which represents the least 14 days of the tenancy starting. energy-efficient properties. It must be carried out by a When registering a deposit, specific prescribed qualified Domestic Energy Assessor and will also show a information must be given to tenants in a specific format. building’s environmental impact by indicating its carbon If it is not then the deposit can be deemed as not dioxide emissions. registered properly. A valid EPC will last for 10 years and can be used for multiple If you do not comply with these legal regulations, it could tenancies within that period. You are required by law to make result in court proceedings and you may be ordered to the document available free of charge to prospective tenants reimburse the deposit to the tenant or lodge it with the at the earliest opportunity, and you must give tenants a copy custodial scheme (DPS). You might also be required to when they take up the tenancy. Failure to supply an EPC compensate the tenant by paying them an amount equal could result in a recurrent fixed fine of £200. We can provide to three times the deposit and you would be unable an EPC certificate on your behalf. to serve a Section 21 Notice upon your tenant to gain possession. Houses of multiple occupation (HMO)

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Recommended to carry out inspections on tenant changeovers, recording electrical equipment, its condition and fuses fitted. Any electrical appliances packed this step-by-step Have an annual Gas Safety Check carried out on left at the property by a previous tenant should be guide to lettings all gas appliances by a qualified gas engineer who PAT tested or removed. complies with current certification requirements. As a landlord, you have a duty of care to the tenant Keep a record of all Gas Safety Checks for at least to ensure that electrical installations are safe. It is two years. recommended that you get an NICEIC certificate and renew it every 10 years. Issue a copy of the Gas Safety Certificate to each

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Ensure pipe work, appliances and flues, including any gas appliances left by previous tenants, are maintained in a safe condition.

Smoke alarm

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Under the Gas Safety Regulations 1998 you are legally required to:

Recommended to carry out annual portable appliance testing (PAT) for all portable appliances, and ensure all plugs have CE or BSI markings. You should keep all records of testing for the life of the appliance.

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maximum potential.

Unused personal allowances, applied by HM Revenue & Customs.

HM Revenue & Customs can insist that your letting agent provide them with details of the income received by any landlord for whom they act. If you are unsure of your liabilities you should contact a specialist tax advisor/ accountant. We can recommend a great local firm that will look after your interests.

Overseas landlords Even if you live outside the UK, under the Income and Corporation Taxes Act 1988 and the Taxation of Income from Land (Non-residents) Regulations 1995, you are still liable to pay UK tax on rent received in the UK.

extent of insurance cover you need, including landlords’ liability insurance, accidental damage, rent guarantee etc. We can put you in touch with insurance firms who specialise with landlords insurance.

For your peace of mind

We are a member of the Association of Residential Letting Agents (ARLA) and the Property Ombudsman Scheme (TPOS). We take our responsibilities very seriously and follow their codes of practice as well as our own. We are confident that you will be happy with the service we provide. If anything does not go quite right we operate an internal complaints procedure, details of which can be found on our website www.freshBlueSky.co.uk. In the unlikely event that we are unable to resolve your issue internally, you may seek resolution through the above governing bodies; we agree to co-operate with and abide by any decision they make.

Our promise to you, the landlord, is that we will never become complacent about our responsibilities as your agent and we will do everything we can to get it right for www.freshbluesky.jpcweb.co.uk you every time.

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You need to insure the property and its contents

you to achieveincluding third party and occupiers’ comprehensively, your property’s liability. Ask your insurers for details of the nature and Wear and tear allowance on furnished properties.

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Step 2) Choosing the right level of service made. A good agent will work on your behalf4to A. We can save you a great deal of time, money and Step 3) Marketing your property 5 ensure this doesn’t happen and can actually save stress. We understand that you can save money by Step 4) Choosing your letting you agent 6 money, so your letting fee is actually money letting a property yourself and for some people this Step 5) Presenting your property 7 well spent. is the best option. However, there are a number of Step 6) Getting ready for the start of a tenancy 8 considerations to think about when deciding whether Step 7) Successful viewings 9 Q. Can I manage my property myself? or not to use a reputable letting agent. Step 8) Securing a tenancy 10 A. You certainly can. However, many Landlords  Experience and expertise – A good agent Stepletting 9) Referencing your tenants 11 underestimate the amount of time and skill needed to will know everything there is to know about the local Step 10) Completion 12 manage a property and tenant well. For just a slightly rental market trends. They will advise youLooking on how to Step 11) after your tenancy 13 higher fee than the Simply Letting service, we can get maximum return on your investment and steer you handle virtually every aspect of your let and provide around potential pitfalls you may not have been aware a useful buffer between you and your tenant. You still of. This experience can be the difference between make all the decisions but we do all the work for you. placing the right or wrong tenant. Many major employers and relocation agents will only Up-to-date and clear information – As a landlord take on properties that are managed by a reputable you have many legal obligations governed by many ARLA-registered letting agent. different laws which are subject to change. A good letting agent will ensure you meet your obligations Q. What sort of agreement / contract do you use? and avoid any potential penalties. A. There are a number of different types of agreement Marketing – The high levels of marketing we offer are / contract that should be used, depending on the not available to private landlords and will help you to circumstances of the tenants, the landlord and even find a bigger pool of tenants faster. the property. In the majority of cases it will be what is called an Assured Shorthold Tenancy for a fixed period Tenant vetting – Letting privately tends to attract of at least six months. We will send you a copy of our the worst sort of tenants who are trying to bypass tenancy agreement to ensure you are happy with the referencing and credit checks. A smooth no-hassle let

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Cost of repairs, redecoration and maintenance (while the property is let). to help

Step 1) Assessing the rental value your property 3 have dearlyofand quickly wipe out any profit you may Q. Why do I need a letting agent?

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Legal and accounting costs.

and useful information

1 Letting with Blue Sky is only possible with good, well-referenced tenants. Frequently askedThe questions 2 letting process The bottom line is: getting it wrong can cost you

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Your letting agent is obliged by law to deduct tax at the appropriate rate from rent received and pay this to HM All rental income arising from property in the UK is Revenue & Customs on your behalf, unless they have taxable, regardless of your tax status. You are responsible authorisation from HMRC to pay the income to you for keeping your own records for personal tax and VAT without deduction. If you are going to be living outside purposes. the UK while the property is let, you should fill in the Income tax is payable on the profit generated by the appropriate form (either NRL1 for individuals or NRL2 packed this step-by-step letting of your property, so you must declare your rental if the property is owned by a company) and send it to to lettings income to HM Revenue & Customs (HMRC) usingguide a HMRC. Providing your tax history and affairs are in good self-assessment tax return. However, you can use certain order you will be issued with a certificate authorising us to deductible allowances to minimise your tax liability: forward the rent without tax deductions. We can supply you with a copy of the appropriate form, or you can Mortgage interest. download it from: Your agent’s letting and management fees. www.hmrc.gov.uk/cnr/nr_landlords.htm Insurance, ground rent and service charges.

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terms provided. If you wish, we may be able to add additional clauses to cover specific arrangements between you and your tenants, as long as they are legally sound.

service charges and so on. You must also advise your insurance company that the property is empty in accordance with their requirements. Liability for utilities and council tax will pass back to you until a new tenant is found. As we only charge commission on rent received, we’re losing income too. Rest assured we’ll be doing everything we can to find you great new tenants as quickly as possible. step-by-step

Q. What happens if the tenant doesn’t pay the rent?

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A. As part of our Fully Managed and Rent Collection this services we guarantee that the rent is paid onpacked time guide to lettings regardless of whether your tenant has paid their Q. What are my outgoings? rent or not. Carefully vetted and referenced tenants make non-payment of rent less likely, but sometimes A. These will usually include: people’s circumstances change during a tenancy and Mortgage they fall behind in rental payments. We’ll liaise with Insurance - buildings and contents (as a minimum) your tenants and any guarantors to bring their rent Repairs to the property and contents - unless payments up-to-date as quickly as possible and advise caused by the tenants you on the appropriate course of action. You can also insure yourself against loss of rent and legal expenses; If leasehold - ground rent and service charges please ask us for further details. to achieve Managing agent’s fees to help you

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Q. Should I allow pets in my property?

When the property is empty, utilities and services your property’s

maximum potential.

A. We operate a pet-friendly policy. Landlords who exclude pet owners are missing out on a large segment of the rental market. We feel that by adopting a pet-friendly approach, you can easily increase demand for your property and attract longterm, responsible tenants.

Deciding that you are happy to accept pets does not mean you must accept every pet, and we recommend you consider each pet on a case-by-case basis. To protect your interests we take a larger deposit, include pet-specific clauses in the tenancy agreement, take up references specifically for the pet with past landlords, and ensure they are registered with a local vet. For more information visit www.letswithpets.org.uk

Q. What happens when my property is empty? A. You will still need to make all your regular payments for mortgages, ground rent, maintenance agreements,

Gas and Electrical Safety Certificate renewal.

Q. Who looks after the garden? A. The maintenance and upkeep of the garden is usually the responsibility of the tenant. However, if you have a particularly large garden or any precious plants then it may be advisable to arrange for a gardener and incorporate the cost in the rental value.

Q. Do I have to provide furniture? A. No. Interestingly enough, in most cases we have found that there is very little difference in rental values between furnished and unfurnished lettings. However, we will advise you on the most appropriate option for your property. If you are letting unfurnished you will still usually need to provide carpets, curtains and white goods. The requirements for a furnished property can vary depending on the style and location of your property.

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Estate agency terms Letting with Blue Sky process explainedThe-letting Glossary

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1) Assessing property 3 the ARLA – The Association of ResidentialStep Letting Agents, the rental will value usuallyofbeyour worded in such a way as to allow either

Stepconcerned 2) Choosing level oforservice 4 after a ARLA, is the only professional body solely withthe rightlandlord tenant to give written notice at any stage Step 3)25 Marketing your property the self-regulation of letting agents. For over years ARLA particular date or period of the tenancy, in order to 5 terminate Step 4) Choosing your letting agent agreement earlier than the end of the original 6 has been actively promoting the highest standards across the tenancy 5) Presenting 7 every aspect of residential lettings andStep management in theyour property fixed term. Step 6) Getting ready for the start of a tenancy 8 private rented sector. Step 7) Successful viewings 9 Step 8) Securing a tenancyCCJ - This stands for County Court Judgement - a 10 Assured Shorthold Tenancy (AST) - An9)Assured judgement against you for defaulting on a debt. 11 Step Referencing your tenants Shorthold Tenancy is a specific type ofStep lease/tenancy 10) Completion 12 agreement, which offers the landlord aStep guaranteed right after your tenancy 11) Looking 13 Common areas – Areas of land or buildings such as to repossess his/her property at the end of the term. AST’s gardens, hallways, recreational facilities and parking areas must be for an initial minimum term of 6 months but can be where more than one resident shares access. longer by negotiation.

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Financial & legal elements 20means Contract – When used in a renting capacity it often

Bankers’ draft - Similar to a cheque, but the money is

debited from your bank account, so unlike a cheque it is guaranteed to clear in the recipient’s bank account. You will normally need to give a bank in the UK 24 hours’ notice and they will usually charge an administration fee.

FAQ’s

the tenancy agreement or lease agreement, and is a legal agreement between the landlord and tenant of a property.

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check – A procedure by which a check is26 made on Estate agency Credit terms explained

Break clause - Also referred to as a release clause. A

clause sometimes inserted in a fixed term tenancy, typically if the initial fixed term is for a year or more. A break clause

the credit history of an applicant. The credit check will reveal history of credit card payments, outstanding debt, arrears and county court judgements (CCJs).

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Company let - Let to a bona fide company. Covenants - The terms of the tenancy agreement;

obligations and ‘promises’ made by either the landlord or the tenant.

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guarantor will be liable for rental payments if a tenant is unable to pay them, so the guarantor will need to have a regular income. Guarantors should be referenced just as a potential tenant would be.

Holding fee – An amount paid by the tenant to

packed this step-by-step temporarily secure the property, giving them time to Deposit (security deposit) – An amount of money held to lettings guide return all the information required for their tenancy by the landlord or agent for security against damage and unpaid rent. This is usually an amount equivalent to five weeks rent and is payable before moving in. At the end of the tenancy the tenant has to be notified of any proposed deductions within a given timeframe.

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Deposit scheme – All deposits paid by a tenant for an

application.

HMO - House in Multiple Occupation – A property

and useful information

occupied by a number of individuals who share facilities, or do not have exclusive occupation of the whole property.

Assured Shorthold Tenancy must be registered with a Inventory – In its most basic form, an inventory is a list of government-recognised deposit protection scheme within to help you to achieve the contents of a property. Most will also include a schedule 14 days. These schemes offer protection to the tenant and your property’s of condition and photographs. It is essential that an a way of dispute resolution for all parties. inventory covers all areas of the property that the tenants use, such as garages, outhouses, sheds, gardens etc. Dilapidations – Any disrepair or damage to a rented property. The cost of the dilapidations is usually recovered Joint and several liability - Where there is to be from the deposit, where a tenant is found to have caused more than one (adult) person living in the property, the the delapidations tenancy will say they are ‘jointly and severally’ responsible. This means that any one person within the tenancy is Draft contract – A preliminary version of the contract. responsible for fulfilling ALL the terms i.e. each individual tenant is responsible for the whole rental payment, not just their share of it, and if one person breaches a term in Energy Performance Certificate (EPC) – An EPC the tenancy ALL tenants have breached and are equally measures the property’s energy efficiency and carbon liable. output using a scale of A - G. It is a legal requirement and the landlord’s responsibility to provide a valid EPC when marketing a property to let. Landlord - A person, persons, company or body with

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Guarantor - A person who is prepared to guarantee

a formal interest in the premises and the right to let the property.

rental payments and other obligations of a tenancy. The

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Landlord reference – A reference given by a previous

landlord, which confirms the applicant’s history of payment of rent and their previous conduct as a tenant.

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Premium lease – Where the rent for the property is paid in full up front.

1 rent Letting with Blue Sky - Checking a tenant’s ability to pay the References agreement or contract. A formal legal document between and their track record in earlier rentals. This often involves 2 The letting process a landlord and tenant that reflects the negotiations contacting previous landlords and present employers (or Lease agreement – Also referred to as the tenancy

between them. It constitutes the entire agreement accountants if theproperty tenant is self-employed) and carrying Step 1) Assessing the rental value of your 3 between them and sets out their basic legal rights. out credit and imigration checks. Step 2) Choosing the right level of service 4 Step 3) Marketing your property 5 Step 4) Choosing your letting agent 6 Office of Fair Trading – The Office of Fair Trading Renewal of contracts – When a tenancy agreement has Step 5) Presenting your property 7 offers advice on all consumer matters. They aim to protect expired or will shortly expire, you and the tenant sign new Step Getting start of a tenancy 8 consumers, explain their rights, and try to6) ensure thatready for the contracts and create a new fixed term agreement to carry Step 7) Successful viewings 9 businesses compete and operate fairly. They have useful on the let. Step 8) Securing a tenancy 10 guides to consumer rights and the law. The OFT does not 9) Referencing your tenants 11 take up cases on behalf of individualStep consumers. Step 10) Completion Sitting tenant – A person occupying a property12who is Step 11) Looking after your tenancy 13 legally protected against being moved. Ombudsman - An independent organisation that investigates professionals such as estate agents or Subject to contract – An agreement that is not yet solicitors when complaints are made by their customers. legally binding, as it is subject to the terms of the contract being agreed and all parties signing to commit themselves Offer – The sum of money that a tenant offers to rent a to its terms. property.

PCM - Per calendar month.

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Superior landlord - People or person to whom the

a property might revert at a later stage. Estate agency ownership terms ofexplained 26

Periodic Tenancy - This is a tenancy which runs from

month to month or less commonly week to week. At the end of an initial fixed term AST unless you renew for a further fixed term or vacate the property, your tenancy will automatically role into a periodic tenancy.

Superior lease or head lease – Where a property is

leasehold the landlord will be governed by the freeholder, otherwise known as the head lease, and the lease agreement between the landlord and the freeholder will place certain responsibilities and obligations/covenants on the landlord.

Portable Appliance Test (PAT) – A test carried out by a competent person to ensure all electrical installations and appliances within a property are safe in accordance with the Electrical Equipment (Safety) Regulations 1994.

Tenant - A person(s), company or organisation who

is entitled to occupy a property under the terms and conditions of a tenancy agreement.

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or lease agreement. A legal agreement designed to protect the rights of the landlord and tenant, setting out all the terms and conditions of the rental agreement.

packed this step-by-step lettings

The term of tenancy – The length or period of guide time the to tenancy covers. Most initial tenancy agreements are for a minimum of six months.

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Utilities – Also referred to as services. These are normally electricity, gas, water and sewerage.

Void period – Period of time when a property is empty or unoccupied by a tenant.

to help you to achieve your property’s

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maximum potential.

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Tenancy agreement – Also referred to as the contract

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Letting with Blue Sky The letting process

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Step 1) Assessing the rental value of your property Step 2) Choosing the right level of service Step 3) Marketing your property Step 4) Choosing your letting agent Step 5) Presenting your property Step 6) Getting ready for the start of a tenancy Step 7) Successful viewings Step 8) Securing a tenancy Step 9) Referencing your tenants Step 10) Completion Step 11) Looking after your tenancy

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Landlords Handbook - Things you need to know

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