Do I need a mortgage & solicitors in place to make an offer?
You should always consult a financial adviser to establish what you can afford to borrow and what it will cost you, before you start to look for your new home. This is information we will require when we put forward an offer on your behalf to a seller. We are duty bound to put all offers forward and we are required to substantiate them.
Similarly, it makes sense to obtain quotes for the conveyancing work in making a purchase. Whilst not needed at offer stage, a memorandum of sale cannot be issued without them.
We can help you to find a good local Mortgage Adviser and Solicitor
How do I view a property?
We, as agents, will make an appointment for you at a mutually convenient time. We will generally accompany you to the property.
Do I need a survey?
You are not obliged to get a survey done on the property you are buying. However, a survey can help you avoid expensive and unwanted surprises, like an unexpected rewiring job, as well as giving you peace of mind by telling you that those hairline cracks, for example, don’t mean the house is falling down!
It is important to understand the condition of the house that you are considering buying.
There are several types of property survey, ranging from a Valuation report (required by a lender) to a full structural survey.
How much is stamp duty?
Stamp Duty Land Tax (SDLT) is based upon property or lease transfer value
Rates for a single property
You pay SDLT at these rates if, after buying the property, it is the only residential property you own. You usually pay 5% on top of these rates if you own another residential property.
Up to £125,000 - Zero
The next £125,000 (the portion from £125,001 to £250,000) - 2%
The next £675,000 (the portion from £250,001 to £925,000) - 5%
The next £575,000 (the portion from £925,001 to £1.5 million) - 10%
The remaining amount (the portion above £1.5 million) - 12%
You can use the Gov.uk calculator here
How long does a sale take to complete?
Lots of factors affect the timescale – the length/complexity of your chain, local authority search timescales, mortgage providers and of course the quality of your solicitor. Not to mention who’s going on holiday, having a baby or getting married 😊
Should I find then sell, or sell then find?
The majority of home movers will require the equity from their existing home in order to purchase a new one. In this instance the best advice is to secure a buyer on your own property first. At that point, you become a much more desirable option to a seller. It doesn’t stop you looking though.
Many sales and purchasers are tied in to ‘complete’ on the same day.
Of course first time buyers, genuine cash buyers and those not needing to sell a property are a much more attractive proposition to a seller, and we will, of course, require confirmation of their funding.
However there are always those occasions when your dream home catches you eye unexpectedly, and you do everything in reverse!
What are tenants responsibilities?
Pay your rent on time
Pay the agreed amount, on the agreed date
Follow the payment method in your tenancy agreement
Late or missed rent can lead to eviction
Look after the property
Keep it clean and tidy
Avoid damage (beyond normal wear and tear)
Use fixtures (heating, appliances, plumbing) correctly
👉 Example: A worn carpet = OK. A broken window from misuse = your responsibility.
Report repairs and issues
Tell your landlord or agent about problems quickly
This includes leaks, damp, broken heating, etc.
If you delay reporting, you could be responsible for worsening damage
Allow access for inspections and repairs
Your landlord must give at least 24 hours’ notice, but you should:
Allow reasonable access for repairs, safety checks or inspections
Follow the tenancy agreement
This is the contract you signed. Common rules include:
No subletting without permission
Not running a business from the property
Restrictions on smoking
Restrictions on pets in certain circumstances, for example where a head lease in an apartment block prevents it
Respect neighbours
You’re responsible for your behaviour and your guests:
No excessive noise (especially at night)
No anti-social behaviour
Serious breaches can involve the local authority or police.
Pay bills (if you’re responsible)
Depending on your agreement, you may need to pay:
Council Tax
Gas, electricity, water
TV licence
Check your contract to confirm.
Keep the property secure
Lock doors and windows when leaving
Take reasonable steps to prevent burglary
Inform landlord if locks or security are faulty
Don’t make changes without permission
You usually cannot:
Decorate
Install fixtures (e.g. shelves, satellite dishes)
Alter the property
…unless your landlord agrees in writing.
End the tenancy properly
Give correct notice
Leave the property clean
Return all keys
Remove your belongings
Failing to do this can affect your deposit return.
What are Landlord's responsibilities?
Keep the property safe and in good repair
Landlords must:
Maintain the structure (walls, roof, windows, doors)
Keep plumbing, heating, and electrics working
Fix issues like damp, mould, or leaks
Protect your deposit
If you pay a deposit, it must be:
Placed in a government-approved scheme within 30 days
Accompanied by “prescribed information” explaining where it’s held
Carry out safety checks
Landlords must ensure:
Gas safety
Annual check by a qualified engineer
Provide you with a Gas Safety Certificate
Electrical safety
Electrical installation checked at least every 5 years
Give you a report (EICR)
Fire safety
Smoke alarms on every floor
Carbon monoxide alarms where required
Provide key documents
At the start of a tenancy, you should receive:
Energy Performance Certificate (EPC)
Gas Safety Certificate (if applicable)
Electrical installation report (EICR)
Ensure the property is fit to live in
Under the Homes (Fitness for Human Habitation) Act 2018, the property must be:
Safe
Free from serious hazards
Suitable for living throughout the tenancy
Respect your right to quiet enjoyment
This means:
They cannot enter whenever they want
Must give at least 24 hours’ notice (except emergencies)
Cannot harass or pressure you
Harassment or illegal eviction is a criminal offense.
Handle eviction legally
Landlords must follow proper legal processes, usually under the Housing Act 1988:
Serve correct notice
Go through the courts if you don’t leave
Deal with repairs in a reasonable time
Once informed, landlords must:
Act within a reasonable time frame
Prioritise urgent issues (e.g. no heating in winter)
Follow licensing rules (if applicable)
Some properties must be licensed under the Housing Act 2004:
HMOs (houses in multiple occupation)
Certain properties in council-designated areas
Provide contact details
You must be given:
The landlord’s name and address (or agent’s details)
How much deposit do I need?
You’ll be required to provide the equivalent of 5 weeks’ rent in order to secure your property. This must be paid upfront before you move into the property and your landlord or landlords agent is required to register the deposit with a government-approved tenancy deposit scheme. This means that when you move out of the property, as long as all the terms of your agreement are met and there is no damage or outstanding bills that need to be paid, your full deposit will be paid back to you. However, if there are damages to the property or overdue rent or bills, this will be taken out of your deposit as payment.
How to report a maintenance issue?
If you are in a fully managed property, you will talk directly to us. If your landlord manages the property you will report to them. All the contact information will be given to you at the start of your tenancy.
What to do in an emergency?
Firstly ensure that you and other occupiers are safe. In the event of fire, burglary or serious injury, call the emergency services on 999.
In the event of a suspect gas leak then call the National Gas Emergency number on 0800 111 999.
Please familiarise yourself with emergency exits from your property, and the location of the water stop valve. In the event of a burst pipe, turn off the water as quickly as possible.
What should I do if I have condensation?
Condensation treatment can be as simple as opening windows throughout the day, turning on extractor fans whilst cooking and showering, and drying clothes outside rather than inside. Minor condensation and black mould problems can be solved with simple lifestyle changes. Activities such as showering, cooking, drying clothes indoors, using the tumble dryer and even breathing release moisture into the air. Obviously these activities are essential - we all breathe - and fortunately their impact on your property can be minimised by increasing ventilation, using extractor fans and avoiding putting wet clothes on radiators. Tenants are responsible for correctly ventilating the property.
Can my partner move in?
Any change to the permanent occupancy of a property must be agreed with your landlord and 'Right to Rent' checks carried out.
Can I rent out a room?
No. You are not permitted to rent out a room under the terms of your agreement without permission from the landlord. Any person over 18 years of age living at the property must be named in the tenancy agreement as a permitted occupant and complete a 'Right to Rent' check.
What to expect from a checkout?
A final inspection will be carried out by either the landlord or us as managing agent.
This checkout will record the condition of the property and make a comparison to the condition recorded when you moved in. Make sure you leave the house clean and tidy, take meter readings for final accounts and return all of the property keys.
If there is anything you are worried about then talk to us or your landlord for guidance ahead of time.
I'd like to rent out my house, why do I need an agent?
Being a landlord is possibly a lot more complicated than you think.
Avoiding costly mistakes by taking professional, informed advice is by far the best way to make your landlord experience positive, profitable and compliant.
Can I sell a property that is tenanted?
Yes you can sell the property to another landlord during the term of the tenancy, but you cannot sell to an owner occupier as you would be unable to offer vacant possession. In order to sell with vacant possession, you will need to give your tenant the requisite notice.
Jackie Oliver & Charlotte Borton Berry
Jackie Oliver & Co
148 Watling Street East
Towcester
Northamptonshire
NN12 6DB
01327 359903
hello@jackie-oliver.co.uk