How agents can support tenants with rising energy bills
Rik Smith, Head of Tenant Services at Goodlord, outlines in this tips piece how agents can support tenants with rising energy bills as the UK's energy crisis continues to bite.
Amid reports of soaring energy prices and collapsing providers, tenants are likely to be worried about rising costs and the implications of their current supplier going bust. And whilst the government has assured it’s not an issue of supply, tenants may need guidance from their agents during this period of uncertainty.
Here, Rik Smith, Head of Tenant Services at Goodlord, outlines his suggestions for how agents can support tenants through the months ahead.
Point fuel-poor tenants towards the financial support they’re entitled to
If your tenants are struggling to keep up with the bills, it’s important that they are aware that most suppliers do have support available for low-income and fuel-poor households. This includes the Warm Home Discount, which provides eligible households with a £140 discount, as well as Winter Fuel Payments and Cold Weather Payments, which will help ensure those most vulnerable are better able to heat their homes over the colder months.
Having an open and honest discussion with your tenants can help you to gain an understanding of their situation, allowing you to offer the right level of support. Some of these payments will be made automatically, but others need to be applied for, which means speedy action could make a big difference. As a first port of call, tenants should contact their energy supplier, who will be able to help tenants access financial support and ensure they’re on the cheapest available tariff.
Outline what happens if their current supplier goes bust
Nine energy suppliers have gone bust so far this year, affecting 1.9 million households, and the reality is that more energy suppliers will go under this winter. Let your tenants know in advance that there's no need to panic if this happens, and their power will not be cut off.
The government and Ofgem have stated that the current crisis "is not an issue of supply" and "the UK benefits from having a diverse range of gas supply sources with capacity that can more than meet demand”. Instead, within a few days, a new supplier will be appointed and your tenants will be switched over to a new "deemed" contract, with energy supplies continuing as normal.
Advise your tenants to take a meter reading as soon as they hear about their supplier going under (or better still, take a photo of the meter with the reading and serial number visible) and then to sit tight until the new supplier gets in touch. They should do this rather than looking to switch suppliers immediately, as this could create additional complications.
Encourage your tenants to find out what price increases mean for them
As the price of energy continues to rise, advise your tenants to check who their supplier is and what tariff they are currently on, using a recent energy bill. If your tenants are on a standard variable tariff or prepayment meter, they will be subject to the Energy Price Cap increase on 1 October 2021 of 12% on 1 October 2021.
This will affect approximately 15 million households (over 50% of UK households), according to Ofgem. Those on standard variable tariffs paying by direct debit will see an average increase of £139 from £1,138 to £1,277. Prepayment customers will see an average increase of £153 from £1,156 to £1,309.
If possible, Ofgem recommends "shopping around for a better deal", although these will be hard to come by at the moment. But if they're on a fixed rate tariff, the price per unit of energy is locked in for a specific period, usually 12 or 24 months, and as such, they are probably best to remain on their existing plan until the end of their contract. Ensure that your tenants are making informed decisions about their next course of action.
Improve the energy performance of your properties
Despite properties needing energy to be comfortable, there are other steps that landlords and agents can take to ensure their properties are as efficient as possible, keeping costs down for tenants. Making sure that the windows and doors are fitted properly to keep heat in is an easy assessment to make, and routinely servicing boilers and heating systems can be beneficial in avoiding costly repairs and recognising when improvements are needed.
The energy performance of properties is so often determined by their ability to retain heat. Smart meters and low-energy bulbs can also help to make a difference, so check in with your tenants to see if any extra steps can be taken to improve the energy efficiency of their home or the appliances within it.
Disclaimer:
This blog post is reproduced from an article originally published on Letting Agent Today titled How Agents Can Support Tenants With Rising Energy Bills, written by Graham Norwood. Full credit is given to the original author and source. This content is shared for informational purposes only and does not constitute professional advice. Readers are encouraged to consult relevant experts or legal professionals for advice specific to their circumstances.
Many tenants are becoming 'unrentable' says leading figure
A significant number of people seeking properties to rent are finding themselves excluded and forced to live in temporary accommodation, it has been claimed, as landlords become more risk-averse.
Ross McColl (main image) who runs Link Property, a firm specialising in guaranteed rent for landlords but which operates a property portfolio too, says his ‘coalface’ experience reveals that landlords are becoming increasingly worried about giving tenancies to high-risk tenants, prompted by the eviction courts backlog, the looming Renters’ Rights Bill and the ending of Section 21 ‘no fault’ evictions.
McColl also says more smaller landlords with one or two properties are leaving the sector ahead of the Bill, and this has been reducing supply, pushing up rents, and making homes to rent more difficult for all tenants to find.
“A number of these tenants are doomed to live within council-provided temporary accommodation for prolonged periods because private landlords are either unable or unwilling to give them a chance,” he says, labelling them as a new group, the ‘unrentables’.
“If you were to go back ten or fifteen years, then landlords were less risk-averse about this group of tenants because, if things went wrong, they knew they could repossess the property within a set time frame.
Court delays
“But now that we have huge delays within the court system, and the looming abolishment of Section 21, that will no longer be true.”
McColl says the situation is a ‘perfect storm’ and will only get worse once the Renters’ Rights Bill goes live.
“What people also forget is that the removal of Section 24 and therefore landlords’ ability to claim mortgage interest rates against their tax bills has, while it’s been a factor in persuading some landlords to quit the sector, more recently become a major problem as interest rates have risen."
Rent guarantees
He also says the situation is being made worse by rent guarantee insurance providers.
“I’ll give you an example – we had a tenant who got behind with their rent and so we had to report that to the guarantee provider as per its rules, but in the meantime the tenant caught up with their rent,” he says.
“The company offering the cover said the tenants would have to be re-referenced for the policy to continue, and the tenant, because of today’s higher referencing hurdles, failed referencing, leaving our landlord with a difficult decision – so they chose to evict the tenant.
“That’s a real-world example of what’s happening at the moment as landlords become more worried that risky tenants are becoming more difficult to evict.”
Disclaimer: The content in this article is sourced from LandlordZONE, written by Nigel Lewis. For the original article, please visit LandlordZONE - Many tenants are increasingly becoming untenantable, says leading property figure. All rights to the original content belong to LandlordZONE and Nigel Lewis.
Is Buy-to-Let Still a Good Strategy in the UK in 2024?
My Landlord Cares has firsthand experience in the property market and understands the challenges faced by landlords. With evolving economic conditions and regulatory changes, many property investors are questioning whether buy-to-let remains a viable investment strategy in 2024.
In this blog post, we will explore the current state of the buy-to-let market, key factors influencing its viability, and insights for potential and existing landlords.
The Current State of the Buy-to-Let Market
The buy-to-let market has experienced significant changes over the past few years. Various factors, such as increased regulation, tax changes, and economic uncertainty, have influenced the attractiveness of buy-to-let investments. Despite these challenges, the rental market continues to show resilience, with strong demand for rental properties, particularly in urban areas and university towns.
Key Factors Influencing Buy-to-Let in 2024
1. Economic Conditions
The UK economy is currently facing multiple challenges, including inflation, interest rate fluctuations, and the lingering impacts of Brexit and the COVID-19 pandemic. These factors can affect both rental yields and property values:
- Inflation and Interest Rates: Inflation remains a concern, prompting the Bank of England to raise interest rates. Higher interest rates can increase mortgage costs for landlords, impacting profitability. However, inflation can also lead to higher rents as landlords pass on increased costs to tenants.
- Property Prices: Property prices have seen significant growth in recent years. While this can mean higher initial investment costs, it also offers the potential for capital appreciation over the long term.
2. Regulatory Environment
The regulatory landscape for buy-to-let properties has become more stringent:
- Tax Changes: Recent changes, such as the phasing out of mortgage interest tax relief and the introduction of additional stamp duty for second homes, have reduced the net income for landlords. Investors need to carefully consider these tax implications when evaluating buy-to-let opportunities.
- Energy Efficiency Standards: New regulations require rental properties to meet higher energy efficiency standards, which can involve significant refurbishment costs. Landlords must be prepared to invest in property upgrades to comply with these regulations.
3. Demand for Rental Properties
Despite regulatory and economic challenges, demand for rental properties remains robust. Factors contributing to this demand include:
- Urbanization: Continued migration to cities for work and education sustains high demand for rental properties in urban areas.
- Affordability Issues: Many potential homeowners are unable to purchase due to high property prices and mortgage restrictions, increasing the pool of long-term renters.
Pros and Cons of Buy-to-Let in 2024
Pros:
1. Steady Rental Income: With high demand for rental properties, landlords can expect a steady stream of rental income.
2. Potential for Capital Growth: Property prices, while volatile, tend to appreciate over the long term, offering potential capital gains.
3. Portfolio Diversification: Buy-to-let properties can diversify an investment portfolio, providing a tangible asset that generates income.
Cons:
1. Increased Costs: Higher interest rates, tax changes, and regulatory compliance can increase the costs associated with buy-to-let investments.
2. Market Volatility: Economic uncertainties and fluctuating property values can affect the profitability and value of buy-to-let investments.
3. Management Challenges: Being a landlord requires time and effort to manage properties, deal with tenants, and ensure compliance with regulations.
Tips for Successful Buy-to-Let Investment in 2024
1. Research the Market: Stay informed about the local property market and economic conditions. Areas with strong rental demand and potential for capital growth should be prioritized.
2. Plan for Costs: Factor in all costs, including mortgage payments, maintenance, taxes, and regulatory compliance, when calculating potential returns.
3. Consider Professional Management: Engaging a letting agency like My Landlord Cares can help manage properties efficiently, ensuring compliance and maximizing rental income.
4. Focus on Tenant Needs: Investing in properties that meet tenant preferences, such as proximity to transport links, amenities, and good schools, can reduce vacancy rates and increase rental yields.
While the buy-to-let market in the UK faces challenges in 2024, it remains a viable investment strategy for those who approach it with diligence and preparation. Understanding the economic conditions, regulatory landscape, and tenant demand is crucial for making informed investment decisions.
At My Landlord Cares, we bring our experience as landlords and letting agents to help you navigate the complexities of the buy-to-let market. Whether you are a seasoned investor or considering your first property, we are here to provide the support and expertise you need to succeed.
Feel free to reach out to us for more personalized advice and insights tailored to your specific circumstances. Our commitment is to help landlords and tenants thrive in any economic climate.
Navigating the Cost of Living Crisis: A Landlord's Perspective
As landlords, we understand the challenges and responsibilities that come with property ownership. From managing tenants and maintaining properties to navigating legal obligations and financial considerations, being a landlord is no easy feat. However, the ongoing cost-of-living crisis has added a new layer of complexity to an already demanding role.
In this blog post, we explore the significant impact of the cost-of-living crisis on landlords and offer insights into how landlords can navigate these challenging times.
Rising Expenses and Financial Pressures:
One of the most immediate effects of the cost-of-living crisis on landlords is the rise in expenses. From increasing mortgage rates to higher property taxes and insurance premiums, landlords are facing mounting financial pressures that can eat into their rental income and profit margins. Additionally, the rising cost of utilities and maintenance services further adds to the financial burden, making it increasingly challenging for landlords to maintain their properties to a high standard while keeping rents affordable for tenants.
Rental Arrears and Tenant Financial Hardship:
As the cost of living continues to rise, many tenants are finding it difficult to keep up with their rental payments. Job losses, reduced hours, and inflation have all contributed to financial hardship for tenants, leading to an increase in rental arrears for landlords. Dealing with tenants in arrears can be a stressful and time-consuming process, requiring landlords to navigate legal procedures and eviction processes while also trying to maintain positive relationships with their tenants.
At My Landlord Cares, we understand the importance of compassion and empathy in these situations and work closely with both landlords and tenants to find mutually beneficial solutions.
Regulatory Changes and Legislative Challenges:
In addition to financial pressures, landlords are also contending with regulatory changes and legislative challenges that impact their ability to operate effectively. From changes to tenancy laws and eviction procedures to new energy efficiency standards and licensing requirements, landlords must stay informed and compliant to avoid penalties and fines. However, keeping up with the ever-changing regulatory landscape can be a daunting task, particularly for landlords who may not have the time or resources to dedicate to staying abreast of the latest developments.
At My Landlord Cares, we provide landlords with the support and guidance they need to navigate regulatory changes and ensure compliance with all relevant laws and regulations.
Support and Solutions:
Despite the challenges posed by the cost-of-living crisis, there are steps landlords can take to mitigate its impact and protect their investments. At My Landlord Cares, we offer a range of services and solutions designed to support landlords and help them navigate these challenging times. From financial planning and budgeting assistance to property maintenance and refurbishments, we provide landlords with the tools and resources they need to succeed in an increasingly complex market. By working together with landlords, tenants, and key industry partners, we can weather the storm of the cost-of-living crisis and emerge stronger and more resilient than ever before.
The cost of living crisis presents significant challenges for landlords, from rising expenses and rental arrears to regulatory changes and legislative challenges. However, by staying informed, proactive, and adaptable, landlords can navigate these challenges and protect their investments.
At My Landlord Cares, we are committed to supporting landlords through these difficult times. Together, we can overcome the challenges of the cost-of-living crisis and build a brighter future for landlords and tenants alike.
Responsible Landlord: A Blueprint for Ethical Property Management
At My Landlord Cares, we understand the pivotal role that landlords play in shaping the housing landscape and fostering thriving communities. With firsthand experience as landlords ourselves, we recognize the challenges and responsibilities that come with property ownership. In this blog post, we delve into the essential steps landlords can take to embrace responsibility and uphold ethical practices in their property management endeavors.
- Prioritize Tenant Well-being: Central to responsible landlords is prioritising the well-being of tenants. This encompasses ensuring safe and habitable living conditions, promptly addressing maintenance issues, and respecting tenants' rights to privacy and peaceful enjoyment of their homes. Regular property inspections can help identify potential hazards or maintenance needs, allowing landlords to take proactive measures to safeguard their tenants' welfare.
- Transparent Communication: Effective communication lays the foundation for a positive landlord-tenant relationship. Landlords should maintain open channels of communication with their tenants, providing clear and timely information regarding rent payments, lease terms, and any relevant property policies. Transparent communication fosters trust and mutual respect, facilitating smoother resolution of any issues or concerns that may arise during the tenancy.
- Fair and Consistent Rent Policies: Rent affordability is a pressing concern for many tenants, particularly in areas with high housing costs like Sheffield. Responsible landlords should adopt fair and transparent rent policies, taking into account market conditions, local affordability standards, and tenants' financial circumstances. Implementing reasonable rent increases and providing advance notice can help alleviate financial strain for tenants while ensuring a sustainable income for landlords.
- Proactive Property Maintenance: Regular property maintenance is essential for preserving the value of the investment and ensuring tenant satisfaction. Landlords should schedule routine inspections and address maintenance issues promptly to prevent minor problems from escalating into major repairs. Proactive maintenance not only enhances the tenant experience but also demonstrates a commitment to property stewardship and longevity.
- Compliance with Legal Obligations: Landlords are subject to various legal obligations and regulations governing the rental housing sector. From safety standards to tenancy agreements to deposit protection, compliance with relevant laws is non-negotiable for responsible landlords. Staying informed about legislative changes and seeking professional advice when needed can help landlords navigate complex legal requirements and avoid potential liabilities.
- Community Engagement and Responsiveness: Responsible landlords actively engage with the local community and respond to community concerns. This includes being considerate of neighbors' interests, addressing noise or nuisance complaints promptly, and contributing positively to the neighborhood's social fabric. Building strong relationships with local stakeholders fosters a sense of belonging and collective responsibility, benefiting both landlords and tenants alike.
At My Landlord Cares, we are committed to promoting responsible landlord practices and promoting positive landlord-tenant relationships. By embracing ethical property management principles and prioritizing the well-being of tenants and communities, landlords can contribute to a more sustainable and inclusive housing market. Together, let us strive to create rental experiences that are founded on respect, integrity, and compassion.
Unveiling the Best Investment Properties in the UK for 2024
As we step into 2024, the landscape of investment properties in the UK continues to evolve, presenting both challenges and opportunities for landlords and investors alike.
At My Landlord Cares, we understand the importance of staying ahead of the curve, leveraging our local expertise in Sheffield, South Yorkshire, to identify the most promising investment avenues for the year ahead.
1. Sheffield's Regeneration Zones: Sheffield is undergoing a remarkable transformation, with several regeneration projects breathing new life into neighborhoods across the city. Areas like Kelham Island and Castlegate are experiencing significant revitalization, making them hotspots for property investment. With improved infrastructure, cultural attractions, and growing demand for urban living, properties in these zones offer excellent long-term investment potential.
2. Student Accommodation: As home to two major universities, Sheffield boasts a thriving student population, making it an attractive market for buy-to-let investors. Purpose-built student accommodation continues to be in high demand, offering stable rental yields and the potential for capital appreciation. Areas like Ecclesall Road and Broomhill are particularly popular among students, presenting lucrative opportunities for investors targeting this demographic.
3. Housing Developments Near Transport Hubs: With commuting patterns evolving and an increasing emphasis on sustainable transportation, properties located near transport hubs are becoming increasingly sought after. In Sheffield, areas such as Hillsborough and Meadowhall, with their proximity to train stations and tram lines, are witnessing a surge in demand from both tenants and homebuyers. Investing in well-connected properties not only ensures steady rental income but also enhances long-term capital growth prospects.
4. Residential Properties with Garden Space: The ongoing trend towards remote work and a renewed appreciation for outdoor living has sparked a growing demand for residential properties with garden space. In Sheffield, where green spaces are cherished, properties with private gardens or access to communal green areas hold significant appeal. Areas like Dore and Fulwood, with their leafy surroundings and spacious properties, are particularly attractive to families and professionals seeking a balance between urban amenities and outdoor tranquility.
5. Conversion Opportunities: With a shortage of housing stock and increasing demand for unique living spaces, conversion projects present an enticing investment opportunity. Properties with potential for conversion into multiple units or mixed-use developments can offer excellent returns for savvy investors. In Sheffield's city center and former industrial areas, there is a wealth of properties ripe for conversion, catering to the growing demand for contemporary urban living spaces.
At My Landlord Cares, we recognize that successful property investment requires more than just identifying lucrative opportunities. It demands a comprehensive understanding of local market dynamics, a proactive approach to property management, and a commitment to delivering exceptional service to both landlords and tenants. As landlords ourselves, we bring firsthand experience and unwavering dedication to every aspect of our business, ensuring that our clients receive the support and guidance they need to thrive in the dynamic world of property investment.
In conclusion, the best investment properties in the UK for 2024 are those that align with evolving market trends, cater to changing tenant preferences, and offer sustainable returns over the long term. In Sheffield, where opportunities abound and innovation thrives, investors can find their perfect match by partnering with a trusted agency like My Landlord Cares.
Together, we can navigate the complexities of property investment and unlock the full potential of the UK's dynamic real estate market.
Is Property a good way to get rich in 2024?
“I want to make money fast!”
“I want to scale my property growth.”
“I want xxx from my property investments within the next four years.”
We hear these comments often, and it's not our approach to investing in properties. For us, properties are all about slow-burn regular cash flow.
Now, let me correct you. This might not be the highest form of cash flow, and there are better ways of doing it. But we don't want to live millionaire lifestyles. We are content with what we have, and we just want more financial independence. This means we get to choose how we spend our time, and we get to choose what we do with our day. This only comes from being in a position of financial freedom. This means a lot of savings, spending less, and using your saved money in a way that works for you.
Now I know this is not most people's bag, especially in the Property world where money is seen as quick and fast. But we would always say that nothing good will be achieved by quick and fast goals, and slow and steady is the way to go. It means we sleep better at night, and we lower our risk threshold. By this, we avoid churn and invest in the safest way in properties such as houses for people looking for long-term properties.
This is what we mean by ethical property investments. Property doesn't have to be scary! Property doesn't have to be an out-there strategy, and it certainly doesn't have to be high-risk.
At My Landlord Cares, we help you to de-risk it as much as possible, and we help our landlords do this. If you're looking into Property and are unsure of the way to start, contact us, and we will be able to guide you in the right way.
Is Property a good way to get rich in 2024?
“I want to make money fast!”
“I want to scale my property growth.”
“I want xxx from my property investments within the next four years.”
We hear these comments often, and it's not our approach to investing in properties. For us, properties are all about slow-burn regular cash flow.
Now, let me correct you. This might not be the highest form of cash flow, and there are better ways of doing it. But we don't want to live millionaire lifestyles. We are content with what we have, and we just want more financial independence. This means we get to choose how we spend our time, and we get to choose what we do with our day. This only comes from being in a position of financial freedom. This means a lot of savings, spending less, and using your saved money in a way that works for you.
Now I know this is not most people's bag, especially in the Property world where money is seen as quick and fast. But we would always say that nothing good will be achieved by quick and fast goals, and slow and steady is the way to go. It means we sleep better at night, and we lower our risk threshold. By this, we avoid churn and invest in the safest way in properties such as houses for people looking for long-term properties.
This is what we mean by ethical property investments. Property doesn't have to be scary! Property doesn't have to be an out-there strategy, and it certainly doesn't have to be high-risk.
At My Landlord Cares, we help you to de-risk it as much as possible, and we help our landlords do this. If you're looking into Property and are unsure of the way to start, contact us, and we will be able to guide you in the right direction.
There is no magic bullet and no fast-track property success
Many others can, though. Well, if you really want to throw thousands away, then go ahead and check them out. But there is no magic bullet and no fast-track property success. My risk appetite is low, and my ambitions are pretty modest. Yes, there are loads of property strategies that I could engage in, but I want a consistent income that is regular and pretty passive.
Plenty of people are worried about the economic climate and whether people should still invest in Property in 2024. I believe it is important to have a diverse income strategy, and Property should be one of your methods of earning income. If that means slow and steady is the way to grow, then hey, book me on! I won't give you fancy acronyms and crazy numbers. I am all about low-risk growth. I definitely play the long game. And if you aim to be financially independent and not a millionaire, and you want to have an opportunity to invest ethically, then you are the right kind of person for us!
It is super important to undertake a goal-setting exercise pretty early in your financial empowerment journey. Work out how much money you would like to live the life of your dreams. Make this achievable, and start breaking down how you will make this. So say, for example, my monthly outgoings are £2000 for my ideal life. This includes food, rent, clothes, holidays, etc. Then I need to work out how I will make that £2000 per month.
This is what I will do for you if you are new to Property Investing. Learn how to create a steady income source.
P.S. If you are looking for high growth, then I am not the right person for you. But if you want low-risk and steady growth, then drop me a message.
Should I purchase property through a LTD company, or personally
This straightforward guide will go through our own personal journey and hopefully will provide some food for thought. It is real and our experience, in its rawest form.
Now we had a very similar predicament last year, when our portfolio was growing. My partner and I were both working as well as managing properties (and people think we have the easy life!)We were worried that the peanuts we make on our profits would get penalised, especially if we fell under the higher income bracket.
So we did the sensible thing and decided to do some research. Google was absolutely awful. It is like when you are self-diagnosing your cough, which Google tells you is the first sign of cancer! One page told us it is the bees' knees, and the other said there was so much extra work that it was not worth it (remember, we are both working, have children, and managing properties). The thought of more work frightened the life out of us.
ALWAYS seek out professional advice, pay the money. We spoke to accountants who explained the process a bit more, which included lots of accountancy geeky words (such as cash flow, shareholders, I have forgotten many of the rest lol) Setting up the business was relatively straightforward, by the way remember that your personal address will show up (so if you can afford to buy a address please do so). Also, there will be regular yearly reports to fill in. You will need to open a business bank account (you can use a personal one, but it gets messy).
CRAP BITS
There is no stamp duty relief for people who buy properties through LTD companies
The mortgage rates are awful for LTD companies
Be prepared for everyone to hike up their prices when they find out you are a business – no leniency for start-ups
The government really doesn’t care about you. Look at the recent debacle over unpaid rent, and everyone else is getting support but not landlords.
BETTER BITS
The liability is on an ‘unnatural state’, so for example, we had a very awful experience at an auction house (This will be covered in another blog BUYERS BEWARE!) and the idiots wanted to charge us £5k for their sellers ’ fees. Due to the charges being on the company, they will have to sue the company rather than us – this is not looking very much like it should be part of the better bits!
You can claim salaries through the company and take dividends to reduce your tax bill. If you put in a director's loan, which you most likely will do to inject the company with cash to purchase properties, this will mean you can take these out via da director’s loan with no tax implications. This is not possible if you buy a property personally.
If you have children whom you would like to pass property to, with the current capital gains tax and inheritance tax, you end up paying a massive whack to the government. Now we pay our taxes like everyone else, but we have worked hard to purchase these properties. Through a business, you could make your children directors; they can have a stake and pull an income. A good plan for them to love US and keep in our good books, haha.
Now we are struggling to think of better bits, and we are very early in our venture. Maybe more positives will come to life, maybe it will be so tough and hard that we end up dissolving…who knows! Lockdown gave us time to think things through rather than just acting.
The decision is purely personal, and please do seek professional advice before embarking on any route. Use our experience as a personal reflection to help you make a decision, and best of luck in all your endeavours. And this is our plug: if you are a landlord in Sheffield and Rotherham and sick of letting agents, give us a call. We will provide honest and helpful support.
Contact us for a chat.