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  • Tenants' contents insurance: The 5 need-to-knows

    Here are our top tips to help you get a policy that's right for you.  If you, your partner or family rent the home, simply buy standard contents insurance. Let's be clear: tenants' contents insurance is NOT a specialist standalone policy that's different from the one you take out if you're a home owner. So if you're a family renting out an entire house or flat –  it's generally a straightforward process to pick a policy. It's only if you're an individual (or couple) renting a room in a house-share or flat-share that you'll need to check a few key extra conditions tailored to your circumstances, see our next point.  If in a flat-share, you might have to work a bit hardr to get cover If you're in a lat-share, there are usually two categories you would fall under when trying to arrange insurance – you either insure the whole flat (or house) with your flatmates or just a room within a flat/house. Sharing a rented home with non-family members usually boosts the chances of damage, theft or items going missing simply because the numbers of different people entering and leaving the property is treated as a much higher risk especially with communal events, eg, a party or celebration – with a higher premium to pay. Because of this insurers will treat you as a greater risk. Not all insurers are happy to insure you if you're renting just a room in a house-share or flat-share, or if you're a non-family group on a joint policy when insuring a whole house, so you could find the numbers offering a quote lower than usual.

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  • 6 Questions to Ask Before Self-Managing a HMO

    Managing your own HMO property might seem like a great idea but only a few can manage the hustle involved. HMOs needs a lot of time and resources to manage it effectively that’s why you need to think carefully before you decide whether or not you are up for it. You need all of the facts upfront to decide if self management of a HMO is right for you. If you’re not going to find the right HMO agent, then here are a few questions you should ask yourself before you decide to manage an HMO: 1. Are you a fit and proper person?  It’s a rule that you must be a fit and proper person to qualify to manage a licensed HMO.This means you are not involved with dishonesty, violence, drugs, fraud, unlawfully discrimination or breaking tenant-landlord or housing law.However, the application is considered on an individual basis, therefore, you are not automatically disqualified if you are declared convicted. Also, if the property does not require licensing or there’s no selective licensing, you don’t need to be a fit and proper person. 2. Are you ready for the responsibilities involved? On a HMO you will deal with more tenants than in residential let. This comes with extra responsibilities to ensure the smooth running of the property along with the existing legal obligations. You need to ensure there is fire safety measures- adequate fire escape measures- as the risk increases with the number of occupants. You may also need to provide adequate fire extinguishers and smoke alarms so the tenants can take necessary action on the event of a fire.You will also need to ensure there are enough waste collection supplies and other needs to make the tenants better on the property. 3. Are you ready to deal with the common HMO issues? 

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  • Property Viewings After The Pandemic

    The Covid-19 pandemic has changed many aspects of our day-to-day life, from how we shop, to how we interact with other people socially and even to how we move home. For a period, home movers were unable to even look at prospective new homes, but now that lockdown is easing, home viewings are possible again. In this article we have a look at how property viewings have changed and what options there are. Viewings As of the 29th of June, viewings of properties was allowed again by the various UK Governments and certain guidelines were put in place to make them safe for all involved: In Wales only, physical viewings are only to take place if the property has been deep cleaned within or left unoccupied for 72 hours before the viewing.   Estate Agents should assess how serious the potential buyer is and only arrange viewings for those seriously interested in the property Initial viewings should be done virtually where possible        Certain precautions should be taken for physical viewings        Viewings should be done by   appointment only – open house viewings are not allowed                      Internal doors should be opened and if possible open external windows                  Limit the number of people at the viewing to a minimum, if small children are at the viewing prevent them from touching items in the propert                    Bring hand sanitiser or make it available at the property                    The current owners should, if possible, vacate the property for the duration of the viewing                     Practice social distancing and wear relevant PPE such as face masks Clean all surfaces and door handles thoroughly before and after a viewing. Ensure any towels are either disposed of or washed after cleaning                      Virtual viewings

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  • Should I dress my HMO rooms before rent? Is it worth the time and money?

    After you bought your property, refurbished it to the best it can be, but now it’s time to add some furniture to give the rooms some life. Furniture and interior design are one of the most important elements when it comes to marketing your property. You have to see the property through the eyes of the tenant, would they want to spend 6+ months living in that space and is it homely enough for them to feel comfortable in the property. The Cost Of Dressing And Staging A Room Now one of the main ways to get a room filled quicker (and at a higher rate) is through dressing and staging the room. It should go without saying, if your property has not had a good quality photoshoot – get one! A dressed photoshoot is one of the highest ROI activities you can do. You can furnish, dress and stage a HMO room for around £150-200, this considerably small investment will pay great dividends. The ROI on this is huge.

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  • Coronavirus Right to Rent Checks

    Right to Rent checks have been a legal requirement in England since 2016 and were introduced as part of the Immigration Act 2014 to help deal with illegal immigration. The law places a legal requirement on landlords to check whether a potential tenant has the right to live in England and if they don’t then it is illegal to rent a property to them. Right to rent checks have been temporarily adjusted due to coronavirus (COVID-19), to make it easier for landlords to carry them out. In this article we take a look at the advice given to landlords for carrying out right to rent checks during the coronavirus pandemic. As of 30 March 2020 the following temporary changes have been made: ·         checks can now be carried out over video calls ·         tenants can send scanned documents or a photo of documents for checks using email or a mobile app, rather than sending originals landlords should use the Landlord’s Checking

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Airsat Real Estate
336 Gloucester Road
Tel: 01173522288