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Thank you and welcome to everyone who decided to insure with Hamilton Fraser this September and Ocotber

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October 2010

Dear ,

Welcome to Property Insight, the Hamilton Fraser E-Newsletter for our Property Insurance customers.

The Comprehensive Spending Review Could Spell Trouble With Landlords

With last week's Comprehensive Spending Review (CSR), we have seen the biggest reduction in government spending since the Second World War and it pays to be at least a little circumspect about such dramatic change. Landlords do not exist in a vacuum and anything that affects your tenants will also, by extension, have an impact on you.

To read the full article click here

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Landlord Wins Buy To Let Case Against Surveyor

A buy-to-let landlord has won a long-running legal case against a surveyor judged to have overestimated the rental income on a new-build flat, paving the way for future challenges from other aggrieved investors.

Emmett Scullion, a self-employed builder from Portsmouth, bought an apartment in Cobham, Surrey, to augment his pension. The property was valued at its asking price of 352,950 in a valuation by local surveying firm Colleys, now part of Lloyds Bank. The survey said the flat could be let for 2,000 a month.

Scullion bought the apartment in 2002, based on the figures given in the valuation, but found he could let it only at about 50% of the surveyor's estimate. He sold the property in 2006 at a loss, a full year before the downturn in the housing market.

To read the full article click here

How Landlords And Tenants Can Avoid A Deposit Dispute

mydeposits.co.uk, has released key advice on how landlords and tenants can avoid a dispute over the return of a deposit at the end of a tenancy.

Survey findings revealed the main reasons for disputes are a disagreement about how much of the deposit should be held by the landlord to cover cleaning costs or repair damage to the property. Redecoration without the landlord's permission and unpaid bills also lead to disputes.

Eddie Hooker, Chief Executive, mydeposits.co.uk, said:

"We recommend the landlord and tenant meet when the tenant is moving out, inspect the property together and come to an agreement over the amount of deposit to be returned. This avoids taking the matter through to the dispute resolution process - and the tenant will get an agreed amount of deposit back straight away.

To read the full article click here

A Great Offer For All Hamilton Fraser Customers

Need to protect a deposit from a tenant? Why not secure your money with my|deposits.

Don't forget you have until 31st October to take advantage of this exclusive offer for Hamilton Fraser customers.

Until the 31st of October 2010 all Hamilton Fraser customers can join my|deposits for just 10!* Log on to www.my|deposits.co.uk and quote TenPndReg1 to take advantage of this great offer today!

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