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Post by dyertribe on May 23, 2017 20:47:12 GMT
Can't you just spend one night there every couple of months? Possibly, but then what happens to the council tax holiday? We current get an immediate exception and then a further 6 months exception after probate is granted. Would that count in the eyes of the council as the property being occupied? Only if they caught you! Exemption from council tax often relies on the fact thar there is no furniture that would make it habitable (sofa, table, chairs, bed) in the property. |
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Post by dyertribe on May 23, 2017 20:49:10 GMT
You mention theft. Is there stuff in there worth nicking? I thought properties were usually emptied after the death of the owner? Central heating boiler, radiators, copper piping, possible period features, doors, fireplaces ......... |
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Post by tonyqj on May 23, 2017 21:00:15 GMT
Has anybody on here experience of similar and how you solved it? TIA. Yes, it's very simple as it turns out. You need 'landlords insurance'. We got buildings and contents for a very reasonable cost for 18 months while we sorted out FIL's house. |
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Post by Deleted on May 23, 2017 21:03:46 GMT
You mention theft. Is there stuff in there worth nicking? I thought properties were usually emptied after the death of the owner? Central heating boiler, radiators, copper piping, possible period features, doors, fireplaces ......... Fair enough  Showing my ignorance about houses ! |
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Post by tonyqj on May 23, 2017 21:04:26 GMT
Oh, and in our case (it varies from council to council) after the 6 months grace following probate the council tax was loaded by an extra 10% for it being an "unoccupied 2nd home" until the sale went through.
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Post by Deleted on May 23, 2017 21:07:22 GMT
Oh, and in our case (it varies from council to council) after the 6 months grace following probate the council tax was loaded by an extra 10% for it being an "unoccupied 2nd home" until the sale went through. Redcar and Cleveland charge flat full rate after six months even if it's still unoccupied and even if the furniture is removed. (So I was told by them yesterday.) |
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Post by tonyqj on May 23, 2017 21:09:37 GMT
Oh, and in our case (it varies from council to council) after the 6 months grace following probate the council tax was loaded by an extra 10% for it being an "unoccupied 2nd home" until the sale went through. Redcar and Cleveland charge flat full rate after six months even if it's still unoccupied and even if the furniture is removed. (So I was told by them yesterday.) Yup, as I said, it varies. Ours was Bradford Metropolitan. Do check out the Landlord Insurance though - it was totally painless. |
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Post by Deleted on May 23, 2017 21:28:26 GMT
Has anybody on here experience of similar and how you solved it? TIA. Yes, it's very simple as it turns out. You need 'landlords insurance'. We got buildings and contents for a very reasonable cost for 18 months while we sorted out FIL's house. Surely landlords insurance only applies if the house is actually occupied? |
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Post by tonyqj on May 23, 2017 21:30:11 GMT
Yes, it's very simple as it turns out. You need 'landlords insurance'. We got buildings and contents for a very reasonable cost for 18 months while we sorted out FIL's house. Surely landlords insurance only applies if the house is actually occupied? Martin, I wouldn't have suggested it if that was the case. I was surprised too, but it's right, check it out. |
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Post by Deleted on May 23, 2017 21:31:29 GMT
Surely landlords insurance only applies if the house is actually occupied? Martin, I wouldn't have suggested it if that was the case. I was surprised too, but it's right, check it out. Ok will do when I need to. Cheers. |
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Post by tonyqj on May 23, 2017 21:31:47 GMT
I think we paid around £200 pa. We told them the house was unoccupied and would eventually be up for sale. They took it completely in their stride.
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Post by Deleted on May 23, 2017 21:33:22 GMT
I think we paid around £200 pa. We told them the house was unoccupied and would eventually be up for sale. They took it completely in their stride. Which provider please? Thanks. |
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Post by quaysider on May 24, 2017 5:18:08 GMT
not meaning to but in here, but we use Towergate (via a broker who keeps moving companies) for a block landlords policy - a couple of properties have been empty for 18 months whilst we try and sort out permission to refurb/change them (grade 2 listed).... they take it in their stride .
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Post by Clinton Cool on May 24, 2017 5:41:16 GMT
I have landlord insurance on my buy to lets. If one is unoccupied for more than a month I need to take out a supplementary policy. This costs around £500 a year compared to the normal £200, and the cover is reduced to basic. On the plus side, when the cover is no longer needed, they calculate the refund due on the basis of days insured, rather than the more usual 'short term' rip off method.
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Post by tonyqj on May 24, 2017 9:07:41 GMT
I think we paid around £200 pa. We told them the house was unoccupied and would eventually be up for sale. They took it completely in their stride. Which provider please? Thanks. Just went through the old paperwork. It was Veritass, the premium was £268 pa and it was 5 years ago. It would probably pay to shop around though - Towergate looks good from Quaysider's post above. |
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