Landlords Guide 2019-11-19T12:43:18+00:00

Landlord’s Guide

M & M Properties have developed a reputation over the last 30 years of letting and managing homes in Leighton Buzzard and the surrounding area as honest, reliable and professional.

We work to the highest industry standards, and are a company proven to achieve results. We have dedicated maintenance, contracts and accounts departments, ensuring that all aspects of your let are dealt with promptly and efficiently.

In a time before the internet, social media and large corporate property portals, M & M Properties built its foundations on word of mouth and recommendation. Both Michael Smith and Steven Root are fully licensed ARLA agents (Association of Residential Lettings Agents) operating from our town centre Leighton Buzzard office. If you combine this with the exposure that all rental homes are given to the market and the way in which each tenancy is carefully and expertly executed within our showroom you have a truly unequalled service in the Leighton Buzzard market.

ARLA Licensed Agent

The Association of Residential Letting Agents (ARLA/Propertymark) is committed to providing the highest standards of letting and management services through its licensed agents. Being licensed ensures your agent is following best practice. They provide you with consumer protection and ensure the service provided is of the highest standard within the industry.

How you are better protected with a licensed agent?

A licensed ARLA agent is qualified and is required to keep up to date with the latest developments in the market, and with the ever changing legislation affecting letting and property management.

Without this knowledge and expertise, whether you are a tenant or a landlord, you may be badly advised or misled – or you may even suffer financial loss as a result.

By choosing a licensed ARLA agent you are protecting your money because it is covered by a Client Money Protection Scheme. A licensed ARLA firm will also have professional indemnity insurance in place for your protection.

A licensed firm abides by a code of practice as well as rule of conduct. This means you can be assured that the service you receive is to the highest standard, and your enquiry will be dealt with professionally and fairly.
In the unlikely event that things go wrong, a licensed ARLA firm has a written complaints procedure and is a member of the Ombudsman for Lettings.

Marketing

At M & M Properties we utilise much of the technology that exists in today’s society to ensure that a property lets promptly. M & M have extensive marketing on major property portals including bespoke premium products on 
www.rightmove.co.uk, advertising here at www.mandmproperties.co.uk. M & M have also been regular advertisers in the Leighton Buzzard press for the last 30 years ensuring that your property is always seen. We believe that with all the above in action we have the virtual and media world covered for our clients, however, we must not forget the importance and prominence of our office, and the value of face to face contact with Landlord’s and tenants.

M & M have the largest showroom in Leighton Buzzard, displaying properties on LED pocket displays. On the streets our prominent To Let boards are easily recognisable and ensure your property stands out from the crowd.

Letting process

At M & M our service is bespoke to each and every client and our work begins from the very first time we communicate with you, in fact that might be now! We have utmost pride in ensuring that we tell you the whole story all of the time, and that the success of every property and tenancy is totally in parallel with our own success and progression. If our client’s experience is positive and successful then we have built another trusting and long lasting relationship.

M & M have established themselves as the market leader in Leighton Buzzard by identifying our client’s individual needs, treating them with respect and working together, and on their behalf, to achieve a specific property goal. In return for our dedication our clients have come back to us again and again, and have helped us to continue with our progression.

Our Services

M & M Properties offer three levels of service, which are as follows;

Full ManagementRent CollectionTenant Find Only
Tenant Referencing
Preparation & Execution of Tenancy Agreements
Arrange optional rent protection policy
Organise gas safety certificates & EPC 
Prepare Inventory & Schedule or condition 
Provide Monthly statements of rent
Collection of rent
Transfer of Utilities 
Arrange Repairs & Maintenance
Managing the check IN & OUT Process
Advising on deposit deductions 

Assessment of rent

The level of rent, which can be achieved on a property, will be determined by the current level of demand for rental accommodation in your area. A prospective tenant will also consider the location of the property, the quality of furnishings/fixtures that are being left and its general condition. One of our Property Managers will visit your property and evaluate its rental value based on these things. It is normal that furnished/unfurnished properties are let at a rental inclusive of buildings insurance, and in case of leasehold properties, ground rents/service charges. The tenant is responsible for council tax, water rates, gas, electricity and telephone.

References

As our Property Manager will point out to you every possible precaution is taken to ensure the tenant placed in your property will provide a trouble free tenancy. A prospective tenant will be interviewed by one of our property managers, and if deemed suitable for a tenancy, M & M Properties employ the services of a professional company specializing in the vetting of tenants for residential property. If a tenant wishes to proceed with a property they will be charged an administration fee, and complete the appropriate application form, providing information including employment details, salary and where they have resided for the last three years. Once all checks have been carried out we will make our recommendations for the tenancy to be formally granted, or the property placed back on the market, depending on the findings of the outside reference company.

Inventory and schedule of condition

A detailed inventory and schedule condition will be drawn up prior to the first tenant moving in. It is important to maintain a certain standard expected by landlord and tenant, and therefore it may be necessary for us to instruct gardeners and cleaners prior to the commencement of the tenancy. This would be carried out after obtaining the appropriate instructions from the landlord, and charged at the cost agreed. The detailed inventory will be updated and methodically checked before each tenancy commences. This document will form part of any claim for dilapidation against future deposits.

Furnished or unfurnished

There is now more demand for unfurnished than furnished property. When leaving the property unfurnished you are required to leave carpets and curtains throughout, and we advise leaving three main kitchen appliances i.e. cooker, fridge and washing machine although this is not essential. Any kitchen appliances left at a property will remain the responsibility of the landlord, unless otherwise specified.

Property maintenance and maintenance reporting platform

The implementation of an online repair reporting service in 2018 is helping to provide a much improved service to the tenant  and help  protect our Landlord’s property around the clock and save them money. Handling maintenance issues is an integral part of our service to our Landlord, The new ‘fixflo’ system ensures we provide the highest levels of service to our landlord and tenant. During the tenancy, your  tenant will report online any maintenance issues occurring at your property. The online maintenance platform is multilingual, easy to use from either a smart phone or  desk top computer providing critical information including photos.If it is of an urgent nature e.g. burst pipes, it would be repaired by our chosen maintenance engineer at our discretion to avoid further damage, and or cost to yourself. For less urgent defects we would contact you and gain permission before proceeding. This is of course for defects caused as a result of normal wear and tear, and is your responsibility as the landlord. Any fault caused by the tenant will be repaired at their own cost. We would request that details of all service contracts and current guarantees are given to us at the time of instruction. If the property is fitted with a central heating system we would recommend arranging an annual service contract to avoid expensive breakdown costs.

Routine Property Visits

Our management team will visit your property and view both the inside and outside. This is to gain an understanding of how the tenants are living in the property, and to also look for possible defects that should be addressed (it should be appreciated that any overview can only extend to apparent or obvious defects and would not amount in any way to a survey). We cannot accept responsibility for hidden or latent defects. M & M Properties are not qualified surveyors or structural engineers. A written report can be provided on request after a property visit has been carried out. Routine visits are provided within the fully managed service only. *

*This service may vary if any discounted rates are negotiated and agreed. Please ensure you confirm what routine inspections are being undertaken at the point of instruction.

Transfer of services

We will read the gas and electric meters and arrange for the transfer of the services at the commencement of each tenancy. However as the telephone providers will not deal with managing agents you will need to arrange disconnection and your final account before leaving the property. Incoming tenants will make their own arrangements for the reconnection of the service. Water meters are generally transferred by us into the tenant’s name; however, in some situations it will be necessary for the landlord to remain responsible. Where there is a water meter M & M Properties will notify the water company, and an estimated bill will be raised. M & M Properties do not read water meters without prior agreement with the landlord.

Collection of rent and accounting

At the commencement of the tenancy we will collect the first month’s installment of rent in advance in cleared funds. The tenant will thereafter pay the rent on the first of each month by standing order. The landlord will be paid into a designated bank account by the twentieth of the same month. Our accounts department will provide a detailed monthly statement showing the rent received, and any deductions including our service charge and other expenses. The forwarding of statements to accountants or another third party is carried out by us at your request. We will, if instructed, settle the landlord’s closing accounts for gas, electricity, water and council tax.

Tenancy Agreements and Notices

Your property will be let under an assured Shorthold Tenancy Agreement as defined in the Housing Act 1988, as amended in 1996, 2004 and 2015. The Agreement will be for a term no less than six months and would not end sooner, unless both the Landlord and Tenant were both in agreement. The rent would remain the same during this set period with any increase, if requested, being obtained at renewal of contracts for a further term.
Assuming that no breach of the Tenancy Agreement has occurred the provisions for recovery of possession in section 21 of the Housing Act would apply. The landlord would be required to serve a minimum of two months notice prior to the end of the agreement when looking to recover possession.

Security Deposit

We will take a deposit of not less than one month’s rent. We will hold the deposit as stakeholder. This means we will hold the deposit on both the landlord’s and tenant’s behalf. We are members of the Tenancy Deposit Scheme and we hold the deposit under the terms of that scheme. Full details of the scheme are available on request. At the end of the tenancy, we will provide a fair service to ensure the deposit is distributed to whom it should be paid, or to assist in determining the amount due to both the landlord or the tenant.

Nil deposit scheme

This is an alternative method of providing a deposit. It works by way of the tenant paying a non-refundable Nil Deposit service charge, significantly less than a traditional deposit, this can be as low as two weeks rent plus vat. Offered by let Alliance, the Nil Deposit service manages payment of any entitlement for any breach of a tenancy agreement up to six  weeks rent. Throughout the tenancy the tenant will have tenants’ liability insurance in place – this will protect against accidental damage to fixtures, fittings and furniture. This scheme provides wider choice for the tenant and may help reduce void periods between tenancies.

Going Overseas

M & M have developed a dedicated department for dealing with the letting and management of properties for overseas landlords with a “one to one” service aimed at creating a feeling of security, reassurance, and above all else confidence whilst their landlord client is thousands of miles way.

M & M currently manage property for landlords who are located in every continent and multiple time zones. They range from senior executives, serving members of the armed forces, and those travelling the world for recreation. They all have one thing in common – they rely on M & M to look after their home.

When you entrust your primary residence, and often your most valuable possession, to a managing agent, you need to know that your interests are being upheld to the highest standards in your absence. At M & M we take this responsibility extremely seriously, and have listened to our many hundreds of clients over the years to tailor a service that promotes the upmost confidence. The service will include tax assistance, reporting and a dedicated ARLA licensed personal property manager overseeing the entire process of the management, from the very first day we meet with you to the day we hand back possession on your return.

Village & Country

M & M understand and identified many years ago that higher value town homes, listed buildings, farm houses, large village properties and Manor Houses need a much greater in depth knowledge of property maintenance and specialist management. We are no strangers to tree preservation orders, protected staircases and wood panelling, cess pits, oil and solid fuel fired central heating systems, agas and rayburns, to list just some of the differences, and challenges, that such properties provide. Over our time in business we have dealt with many types of period properties overseeing maintenance from lime mortar re-pointing, to locating a dripping underground pipe in the paddock of the grounds of a 400 year old converted monastery. We acknowledge that the management of such properties can often extend to landscape and grounds maintenance including swimming pools and tennis courts, and can sometimes take us out of the ordinary. This is exactly what we love and enjoy here. M & M also realise that such properties require the correct marketing, we will accentuate your properties assets but we also ensure that prospective tenants understand that taking on certain properties comes with responsibility and understanding. In many ways like a classic car, we must stay on top of everyday maintenance for them to be able to fully appreciate, and enjoy their stay at fine older homes. We believe that our extensive knowledge, and experience in this area of the market has seen us build very trusted and long lasting relationships with many local land owners and farmers since the mid 1980’s. Naturally references are available on request in this regard, so please speak to one of our ARLA qualified property managers to find out more.

Electrical Safety Regulations

There are a number of pieces of legislation including the Electrical Equipment (Safety) Regulations of 1994 which relate to the supply and maintenance of electrical equipment, household appliances and/or the cables plugs and sockets which connect them. We recommend that before a tenant takes occupation of your property a Fixed Wiring and P.A.T. (Portable Appliance Test) is carried out by a qualified electrician. Common electric items included in rented properties are: electric cookers, microwave ovens, electric kettles, vacuum cleaners and table lamps.

  1. GENERAL SAFETY – Electrical appliances should be checked before every let. If there is any doubt as to the safety of any electrical item it must be removed. Therefore be vigilant when you see worn or cut flexes, broken casings or other safety defects. The regulations stipulate that appliances need to be checked by a qualified electrician.
  2. REPLACEMENT – whereas once it was common for landlords to use second-hand appliances in properties to save money, the new regulations make this inadvisable. If clients insist on putting in second-hand electrical goods, then they must be tested by a qualified electrician.

Whilst at present there is no specific statutory requirement placed upon landlords to prove that such items are regularly checked or tested by a qualified electrical engineer (IEE wiring regulations BS 7671 Standard) M & M Properties strongly recommend to landlords that appropriate ongoing checks of equipment should be scheduled and kept up to date.

Smoke and Carbon Monoxide detectors

From October 10th 2015 a Landlords must fix working smoke and carbon monoxide alarms in every home they rent out.

Landlords will be required to install smoke alarms on every floor and test them at the start of every tenancy. We strongly advise mains connected smoke alarms to avoid misuse or management by the tenant. Rooms which are at a high risk, such as those where a solid fuel heating system is installed will need to have carbon monoxide alarms installed.

Legionaires Disease

Health and safety legislation requires that landlords carry out risk assessments for the Legionella bacteria which cause Legionnaires’ Disease and thereafter maintain control measures to minimise the risk. Most rented premises will be low risk but it is important that risk assessments are carried out and control measures introduced.

Landlords are under a duty to ensure that the risk of exposure to tenants, residents and visitors by is properly assessed and controlled via a risk assessment from a competent person. For further information and who to carry out this assessment please ask one of our property managers.

The Gas Safety (Installation and Use) Regulations 1994

ON THE 31ST OF October 1994 the Gas Safety Regulations came into force. They are designed to provide standards for the installation and maintenance of gas appliances, meters, pipework etc. Landlords should be aware of the general provisions in the regulations for all new gas pipework and appliance installations and conditions for on-going maintenance.

  1. GENERAL SAFETY – Appliances should be safe. Work on gas appliances and fittings must only be carried out by a qualified gas fitted (GAS SAFE Registered).
  2. FLUES – All flues should be correctly fitted and checked for blockage every twelve months. No open flue appliances are to be installed in bedrooms or bathrooms.
  3. PERIODIC INSPECTIONS – Landlords must ensure that all gas appliances in rented property are checked for safety at least every twelve months. Records must be kept of such checks, date of inspection and any defects noted and rectified.
  4. INSTRUCTIONS – Instruction booklets should be available for all gas appliances.

Our recommendation: As the above regulations stipulates you, as the owner, are responsible for gas appliances left at your rented property. We recommend that you employ the services of British Gas, and take advantage of their various service contracts or use a local GAS SAFE registered plumber.

The contact telephone number of British Gas or a local plumber are available on request, and if you have any queries regarding these regulations you should raise these with our property management team, who will be delighted to assist you.

Furniture and Furnishing Regulations

On the 1st of March 1993, the Furniture and Furnishings (Fire and Safety Amended) 1993 regulations came into force. As from the 1st of January 1997 any furniture supplied as part of a new let must comply with these regulations. These regulations directly affect the way in which you, the Landlord, may furnish your rented property.
All upholstered furniture or furnishings must meet the Fire Safety Regulations. An exclusion to note, however, is furniture manufactured before the 1st of January 1950. Apparently defective flammable materials were not used prior to this date and therefore “period” or antique furniture is exempt. Generally, items manufactured in the UK after 1990 are likely to meet the required standards and display the appropriate permanent label confirming its compliance.

ITEMS THE REGULATIONS APPLY TO:

  1. Three piece suites, sofas, arm chairs
  2. Scatter cushions, seat pads, bean bags
  3. Convertible sofa beds, futons
  4. Loose covers on upholstered furniture
  5. Conservatory furniture, garden furniture suitable for indoors

EXCEPTIONS:

  1. Antique furniture or furniture manufactured prior to 1950
  2. Carpets and curtains
  3. Duvets, Pillow cases and Linen
  4. Mattress protectors

These regulations make it an offence to supply in the course of business any furniture that fails to meet the cigarette test and ignitability test. Currently the offence carries a punishment of six months imprisonment or a level 5 fine (currently £5000). These penalties are only for non-compliance and should there be a fire, the landlord could be held liable to greater penalties.

Energy Performance Certificate (EPC)

A landlord is required by law to provide an Energy Performance certificate (EPC) with an energy efficiency rating of E or above, which
must be made available free of charge to all prospective tenants at the point the property is entered to the market to let. Under the Minimum Energy Efficiency Standards 2015 (MEES ), from the 1st April 2018 all properties with an energy efficiency rating of F or G will be identified as sub standard and subject to potentially large fines if offered to the PRS (Private rental sector). If a property is exempt from the MEES regulations the landlord will be required to present M & M Properties with the appropriate certificate of exemption.
Immigration Act 2014 and 2016
Under the Immigration act 2014 a landlord is unable to offer a tenancy unless the person applying is a British Citizen or a national from a country within the European Economic Area (EEA), a Swiss national or has a right to rent in the UK.

Fully Managed Service

  • The service charge per month for a property where the landlord resides in the United Kingdom is 15% plus vat (18% inc. vat).
  • The service charge per month for a property where the landlord resides outside of the United Kingdom is 16% plus vat (19.2% inc. vat).
  • Discount for a portfolio landlord is available with 5 or more properties. Please request separate quotation.

To secure your first tenant

Marketing fee – £144.00

  • To prepare a description of the property with accompanying photos
  • To draw a detailed floorplan
  • Enter the property into the market via the internet on mandmproperties.co.uk and any major property portals we are using at that time
  • To accompany all viewings of prospective tenants
  • To negotiate on the landlords behalf the agreed rent level

Start of tenancy fees – £270.00

  • Referencing for up to two tenants (ID checks, right to rent check, financial credit checks, obtaining references from current and previous employers/landlords and any other relevant information to assess affordability
  • Referencing of guarantor covering credit referencing and preparing a deed of guarantor as part of the Tenancy Agreement
  • Permitted occupier, explaining to any permitted occupier their rights and responsibilities towards the named tenant(s) and landlord
  • Contract negotiation and preparation of Tenancy Agreement
  • Transfer of services

Additional referencing fee – £54.00

  • As per start of tenancy fees for additional referencing

Preparation of inventory & schedule of condition

The cost of this service will depend on the size of the property and how many bedrooms. Please ask one of our property managers for further information.

The above charges are deducted from the first month’s rent. These charges are to secure your first tenant only and will not be charged again.

Renewal of tenancy to existing tenant – £150.00

  • Renegotiation of New Contract and Execution of Tenancy Agreement
  • Contract negotiation
  • Amending and updating terms
  • Review rent in accordance with current prevailing market conditions

Renewal of tenancy to new tenant – £294.00

  • Securing a new tenant
  • Referencing for up to two tenants (ID checks, right to rent check, financial credit checks, obtaining references from current and previous employers/landlords and any other relevant information to assess affordability
  • Referencing of guarantor covering credit referencing and preparing a deed of guarantor as part of the tenancy agreement
  • Permitted occupier, explaining to any permitted occupier their rights and responsibilities towards the named tenant(s) and landlord
  • Contract negotiation and preparation of Tenancy Agreement
  • Preparation or updating of inventory and schedule of condition
  • Transfer of services
  • Check in of new tenant and check out of old tenant

Additional referencing fee – £54.00

Rent Collection Service

  • The service charge per month for a property where the landlord resides in the United Kingdom is 12% plus vat (14.4% inc. vat).
  • Discount for a portfolio landlord is available with 5 or more properties. Please request separate quotation.

To secure your first tenant

Marketing fee – £144.00

  • To prepare a description of the property with accompanying photos
  • To draw a detailed floorplan
  • Enter the property into the market via the internet on mandmproperties.co.uk and any major property portals we are using at that time
  • To accompany all viewings of prospective tenants
  • To negotiate on the landlords behalf the agreed rent level

Start of tenancy fees – £270.00

  • Referencing for up to two tenants (ID checks, right to rent check, financial credit checks, obtaining references from current and previous employers/landlords and any other relevant information to assess affordability
  • Referencing of guarantor covering credit referencing and preparing a deed of guarantor as part of the Tenancy Agreement
  • Permitted occupier, explaining to any permitted occupier their rights and responsibilities towards the named tenant(s) and landlord
  • Contract negotiation and preparation of Tenancy Agreement
  • Transfer of services

Additional referencing fee – £54.00

  • As per start of tenancy fees for additional referencing

Preparation of inventory & schedule of condition

  • The cost of this service will depend on the size of the property and how many bedrooms. Please ask one of our property managers for further information.
  • The above charges are deducted from the first month’s rent. These charges are to secure your first tenant only and will not be charged again.

Renewal of tenancy to existing tenant – £150.00

  • Renegotiation of New Contract and Execution of Tenancy Agreement
  • Contract negotiation
  • Amending and updating terms
  • Review rent in accordance with current prevailing market conditions

Renewal of tenancy to new tenant – £294.00

  • Remarketing of property
  • Securing a new tenant
  • Referencing for up to two tenants (ID checks, right to rent check, financial credit checks, obtaining references from current and previous employers/landlords and any other relevant information to assess affordability
  • Referencing of guarantor covering credit referencing and preparing a deed of guarantor as part of the tenancy agreement
  • Permitted occupier, explaining to any permitted occupier their rights and responsibilities towards the named tenant(s) and landlord
  • Contract negotiation and preparation of Tenancy Agreement
  • Preparation or updating of inventory and schedule of condition
  • Transfer of services
  • Check in of new tenant and check out of old tenant

Additional referencing fee – £54.00

Tenant Find Only Service

  • Equal to one months rent including VAT will become due on the day the tenant introduced by M & M Properties takes possession of the property.
  • 6% plus vat (7.2% inc. vat) of each subsequent 6 months rent payable under a renewed tenancy.

Preparation of Tenancy Agreement – £150.00

  • To include ‘how to rent’ guide, Energy Performance Certificate, Tenant’s Dispute Service certificate and any other prescribed information

Protection of deposit, annually – £90.00

Preparation of inventory & schedule of condition

The cost of this service will depend on the size of the property and how many bedrooms. Please ask one of our property managers for further information.

Renewed tenancies

A renewal commission will become due in respect of any renewed tenancies and/or periodic tenancies that take effect at the end of the initial tenancy term where the original tenant introduced by M & M remains in occupation of the property. Renewal commission is payable to M & M by the landlord at the rate of 6% plus vat of the total rent reserved under the terms of that renewed tenancy, whether negotiated by M & M or not. We will, at your request, invoice you monthly or according to the rent period but otherwise an invoice for the period of the renewal term will be sent to the landlord at the start of the renewed term and is payable to us within 14 days of receipt. This rate of renewal commission shall only apply to renewed tenancies and is not transferable between properties if M & M may manage other properties on behalf of the landlord. By signing this agreement the landlord confirms that they have agreed that our entitlement to charge a renewal commission is reasonable. M & M Properties will arrange payment of the deposit direct to the landlord or the landlords designated scheme under the Housing Act of 2004 from the tenant. The first month’s rent will be paid to M & M Properties. All fees agreed and due will be deducted from the said rent and a statement of rent with copies of application forms and results from referencing will be forwarded to the landlord after the tenant has taken possession.

Additional Fees and Charges

Right to rent follow up check – £60.00

  • Undertaking a repeat check in person on time limited visa in accordance with the Immigration Act 2014 and 2016.Notifying the Home Office should an illegal overstayer be identified. This does not apply to tenant find service.

Tenancy dispute fee – £120.00

  • The costs associated with the preparation of all evidence and submitting the case to the tenancy deposit scheme as well as dealing with all correspondence relating to the dispute. This only applies to fully managed properties.

Landlord withdrawal fee before move in – £240.00

  • To cover the costs associated with the marketing, advertising and tenancy set up should the landlord withdraw from the tenancy before it has started.

Issuing a 6a Notice via Section 21 of the Housing Act – £96.00

  • To cover costs of preparing and executing notice in line with Section 21 of the Housing Act 1988.

Annual income and expenditure report – £54.00

Quarterly submission of non-resident landlord’s receipt to HMRC – £30.00

Additional HMRC reporting fees, per request – £12.00

  • Responding to any specific queries relating to either the quarterly or annual return from either the landlord or HMRC.

Same day payment fee – £18.00

  • Should the landlord request a payment faster than the agreed timescales within their existing terms of business, this covers the costs of providing a same day payment service.

Court attendance fee (per hour) – £54.00

Applying to the court for an accelerated possession order – £540.00

  • Preparation of all documentation, completing and filing court paper, executing possession request, applying for baliffs.

Vacant property management fee, per visit – £54.00

  • To cover costs associated with visiting the property to undertake visual checks on the inside and outside at a frequency mutually agreed with the landlord.

All fees are inclusive of VAT at the current rate of 20%.
Please ask or go to www.mandmproperties.co.uk for our landlords guide providing a 
full and comprehensive guide to our letting and management service.

Our Services

 YOUR CREDIT RATING

If you’re applying for rented accommodation, a loan, credit card, mortgage or even a mobile phone contract, your credit rating matters.

CHECK YOUR CREDIT RATING

INSURANCE QUOTES

Protect your property portfolio with comprehensive building and contents cover, and protect your rental deposit with our contents insurance for tenants.

GET AN insurance quote

MORTGAGE ADVICE

We’ve partnered with Sarang Kalelkar from the Mortgage Advice Bureau to give you exclusive rates and guidance on your mortgage.

Click here and find out more