Renting out your home through AirBnB could be in breach of your mortgage or lease agreement.
Many mortgages do not allow you to sublet your home without your lenders consent.
If you are are a leaseholder, you might also be in breach of your lease.
The risks were highlighted in the Nemcova v Fairfield Rents Ltd Upper Tribunal (Lands Chamber), which found an AirBnB host to be in breach of her lease.
House Saver's advice - The law is still catching up with the sharing economy so take precautions. Let your mortgage lender know if you are intending to rent out your home through AirBnB. If you are a leaseholder, also make sure that check the terms of your lease.
David
House-Saver
Showing posts with label sharing economy. Show all posts
Showing posts with label sharing economy. Show all posts
Sunday, 12 February 2017
Saturday, 7 January 2017
Clarification for London Homeowners on Renting your Home through Airbnb
To keep on the right side of planning laws in London, as of this month Airbnb is automatically limiting "entire homes listings" in Greater London to 90 nights a year.
The change only applies to London. The change will not affect those who let spare rooms in their home or who let their entire home for fewer than 90 days in a year.
Even with these restrictions, renting your London home through Airbnb continues to be highly lucrative. According to the real estate valuation firm Propcision, rents for Airbnb properties in London are on average more than double the rents paid on longer term tenancies.
David
House-Saver
The change only applies to London. The change will not affect those who let spare rooms in their home or who let their entire home for fewer than 90 days in a year.
Even with these restrictions, renting your London home through Airbnb continues to be highly lucrative. According to the real estate valuation firm Propcision, rents for Airbnb properties in London are on average more than double the rents paid on longer term tenancies.
David
House-Saver
Saturday, 20 February 2016
The growing pains of the sharing economy
The sharing economy has the potential to deliver great benefits to communities.
But it will only become mainstream if regulators give it a chance according to bosses at AirBnB and Uber who both delivered TED talks this week.
Forbes gives the lowdown on the latest TED talks on the The Sharing Economy / Giving Economy.
David
www.house-saver.co.uk
But it will only become mainstream if regulators give it a chance according to bosses at AirBnB and Uber who both delivered TED talks this week.
Forbes gives the lowdown on the latest TED talks on the The Sharing Economy / Giving Economy.
David
www.house-saver.co.uk
Thursday, 9 April 2015
Repeal of 1973 legislation enables Londoners to rent out their homes on a short-term basis
Until last week, under a law dating back to 1973*, any Londoner who wanted to rent out their home for a few days had to apply for planning permission, or else face a fine of up to £20,000 for each ‘offence’.
The Deregulation Act 2015 repeals this legislation. Londoners can now take advantage of websites allowing short-term rents without fear that they are committing an offence.
About time too! 1973 was the year that the UK entered the European Economic Community, the Vietnam War ended and the Watergate scandal erupted. Much has happened over the 42 years since.
London residents can now participate in the sharing economy, and enjoy the same freedom and flexibility as the rest of the country to let their homes on a temporary basis.
Whilst red tape continues to hold back the sharing economy at least we are moving in the right direction.
David
House-saver
*The restrictions on short-term lets were contained within Section 25 of the Greater London Council (General Powers) Act 1973
The Deregulation Act 2015 repeals this legislation. Londoners can now take advantage of websites allowing short-term rents without fear that they are committing an offence.
About time too! 1973 was the year that the UK entered the European Economic Community, the Vietnam War ended and the Watergate scandal erupted. Much has happened over the 42 years since.
London residents can now participate in the sharing economy, and enjoy the same freedom and flexibility as the rest of the country to let their homes on a temporary basis.
Whilst red tape continues to hold back the sharing economy at least we are moving in the right direction.
David
House-saver
*The restrictions on short-term lets were contained within Section 25 of the Greater London Council (General Powers) Act 1973
Sunday, 5 October 2014
Relaxed planning rules are supporting home businesses
Relaxed planning rules mean that it has never been easier to extend or adapt your home to accommodate a home business. A recent Government report suggests that:
"New figures show planning reform and cut red tape have enabled thousands of homeowners to make improvements."
Recently published figures show how efforts to cut red tape in the Planning System have enabled thousands of householders in England to make improvements to their homes.
Since last year, new "permitted development" rights have given households more power to extend their homes without having to apply for planning permission.
The Government figures show that in the 3 months to June, Local Authorities across England received 7,700 applications for home extensions – 6,500 of which got the go-ahead without needing to go through the formal planning application process (submitting a formal planning application is an 8 week process that incurs a £172 fee).
These country-wide figures mask a contrast in activity across different local authorities. The London Boroughs have generated the most activity as shown in the Table below. Meanwhile, a number of authorities elsewhere in England have received no applications under the new "Larger householder extensions" scheme.
Table showing Councils that have received more than 100 applications for prior approval under the "Larger householder extensions" scheme in the period April to June 2014
Local Authority Number of applications
| Hounslow | 188 |
| Hillingdon | 184 |
| Birmingham | 174 |
| Brent | 165 |
| Redbridge | 150 |
| Ealing | 138 |
| Barnet | 127 |
| Harrow | 118 |
The Full Table is provided at the end of this post.
The new figures also provide good news for home improvement proposals that still require planning permission. The Government's figures show that planning application approvals are at a 10-year high, with authorities granting 350,200 permissions in the year to June – 2% higher than in the previous year. 91% of householder planning applications are now being granted by local Councils.
Further Information
For advice on whether you require planning permission to work from home check out www.house-saver/home-business
For further information on the above planning application statistics check out the www.gov.uk website.
Table of decisions by Councils on applications for prior approvals under the "Larger householder extensions" scheme in the period April to June 2014
Planning
authority
|
Larger householder extensions
|
|||
Prior approval not required
|
Granted
|
Refused
|
||
Adur
|
14
|
1
|
0
|
|
Allerdale
|
18
|
0
|
0
|
|
Amber Valley
|
6
|
0
|
0
|
|
Arun
|
14
|
1
|
0
|
|
Ashfield
|
17
|
17
|
0
|
|
Ashford (1)
|
..
|
..
|
..
|
|
Aylesbury Vale
|
17
|
0
|
7
|
|
Babergh
|
0
|
12
|
1
|
|
Barking and Dagenham
|
60
|
3
|
6
|
|
Barnet
|
127
|
18
|
38
|
|
Barnsley
|
18
|
1
|
0
|
|
Barrow-in-Furness
|
6
|
0
|
0
|
|
Basildon
|
22
|
3
|
4
|
|
Basingstoke and Deane
|
20
|
0
|
0
|
|
Bassetlaw
|
6
|
0
|
2
|
|
Bath and North East Somerset UA
|
13
|
0
|
4
|
|
Bedford UA
|
18
|
0
|
1
|
|
Bexley
|
22
|
3
|
7
|
|
Birmingham
|
174
|
8
|
11
|
|
Blaby
|
5
|
3
|
0
|
|
Blackburn with Darwen UA
|
11
|
1
|
1
|
|
Blackpool UA
|
13
|
0
|
0
|
|
Bolsover
|
7
|
0
|
1
|
|
Bolton
|
0
|
18
|
4
|
|
Boston
|
3
|
0
|
0
|
|
Bournemouth UA
|
19
|
3
|
0
|
|
Bracknell Forest UA
|
3
|
1
|
0
|
|
Bradford
|
64
|
0
|
16
|
|
Braintree
|
18
|
2
|
0
|
|
Breckland
|
4
|
0
|
0
|
|
Brent
|
165
|
3
|
24
|
|
Brentwood
|
11
|
1
|
1
|
|
Brighton and Hove UA
|
39
|
4
|
5
|
|
Bristol, City of UA
|
33
|
5
|
12
|
|
Broadland
|
17
|
0
|
0
|
|
Broads Authority
|
0
|
0
|
0
|
|
Bromley
|
54
|
3
|
29
|
|
Bromsgrove
|
0
|
0
|
1
|
|
Broxbourne
|
13
|
2
|
0
|
|
Broxtowe
|
0
|
0
|
0
|
|
Burnley
|
8
|
0
|
0
|
|
Bury
|
8
|
0
|
8
|
|
Calderdale
|
18
|
1
|
1
|
|
Cambridge
|
7
|
6
|
2
|
|
Camden
|
3
|
0
|
1
|
|
Cannock Chase
|
7
|
0
|
2
|
|
Canterbury
|
9
|
8
|
4
|
|
Carlisle
|
12
|
12
|
0
|
|
Castle Point
|
7
|
0
|
1
|
|
Central Bedfordshire UA
|
32
|
3
|
3
|
|
Charnwood
|
18
|
0
|
0
|
|
Chelmsford
|
28
|
1
|
2
|
|
Cheltenham
|
0
|
0
|
0
|
|
Cherwell
|
10
|
2
|
1
|
|
Cheshire East UA
|
39
|
2
|
2
|
|
Cheshire West and Chester UA
|
24
|
0
|
4
|
|
Chesterfield
|
13
|
12
|
1
|
|
Chichester
|
0
|
0
|
0
|
|
Chiltern
|
7
|
1
|
7
|
|
Chorley
|
0
|
14
|
3
|
|
Christchurch
|
4
|
1
|
0
|
|
City of London
|
0
|
0
|
0
|
|
Colchester (1)
|
23
|
1
|
1
|
|
Copeland
|
11
|
0
|
0
|
|
Corby
|
0
|
1
|
0
|
|
Cornwall UA
|
10
|
2
|
3
|
|
Cotswold
|
1
|
0
|
0
|
|
County Durham UA
|
37
|
4
|
0
|
|
Coventry
|
30
|
3
|
8
|
|
Craven
|
5
|
0
|
0
|
|
Crawley
|
7
|
0
|
1
|
|
Croydon
|
0
|
63
|
24
|
|
Dacorum (1)
|
11
|
0
|
6
|
|
Darlington UA
|
9
|
2
|
0
|
|
Dartford
|
12
|
0
|
5
|
|
Dartmoor National Park
|
0
|
0
|
0
|
|
Daventry
|
7
|
0
|
0
|
|
Derby UA
|
24
|
1
|
2
|
|
Derbyshire Dales
|
5
|
0
|
0
|
|
Doncaster
|
30
|
1
|
0
|
|
Dover
|
12
|
0
|
2
|
|
Dudley
|
31
|
1
|
8
|
|
Ealing
|
138
|
22
|
51
|
|
East Cambridgeshire
|
3
|
2
|
0
|
|
East Devon
|
0
|
0
|
0
|
|
East Dorset
|
0
|
13
|
0
|
|
East Hampshire
|
4
|
0
|
0
|
|
East Hertfordshire
|
8
|
0
|
5
|
|
East Lindsey
|
4
|
0
|
0
|
|
East Northamptonshire
|
0
|
0
|
0
|
|
East Riding of Yorkshire UA
|
1
|
36
|
2
|
|
East Staffordshire
|
8
|
1
|
0
|
|
Eastbourne
|
4
|
0
|
1
|
|
Eastleigh
|
13
|
0
|
0
|
|
Eden
|
3
|
0
|
0
|
|
Elmbridge
|
15
|
2
|
9
|
|
Enfield
|
87
|
5
|
21
|
|
Epping Forest
|
23
|
3
|
4
|
|
Epsom and Ewell
|
17
|
1
|
7
|
|
Erewash
|
12
|
0
|
0
|
|
Exeter
|
11
|
0
|
0
|
|
Exmoor National Park
|
0
|
0
|
0
|
|
Fareham
|
16
|
3
|
1
|
|
Fenland
|
6
|
0
|
0
|
|
Forest Heath
|
4
|
0
|
0
|
|
Forest of Dean
|
0
|
7
|
0
|
|
Fylde
|
8
|
0
|
0
|
|
Gateshead
|
10
|
1
|
1
|
|
Gedling
|
11
|
0
|
0
|
|
Gloucester
|
12
|
11
|
1
|
|
Gosport
|
17
|
0
|
0
|
|
Gravesham
|
8
|
0
|
0
|
|
Great Yarmouth
|
0
|
10
|
0
|
|
Greenwich
|
0
|
3
|
5
|
|
Guildford
|
12
|
1
|
10
|
|
Hackney
|
8
|
6
|
0
|
|
Halton UA
|
6
|
0
|
1
|
|
Hambleton
|
5
|
0
|
0
|
|
Hammersmith and Fulham
|
7
|
4
|
2
|
|
Harborough
|
5
|
1
|
0
|
|
Haringey
|
22
|
0
|
11
|
|
Harlow
|
0
|
0
|
0
|
|
Harrogate
|
13
|
0
|
3
|
|
Harrow
|
118
|
14
|
45
|
|
Hart
|
3
|
0
|
2
|
|
Hartlepool UA
|
4
|
1
|
0
|
|
Hastings
|
0
|
1
|
0
|
|
Havant
|
0
|
0
|
0
|
|
Havering
|
55
|
7
|
11
|
|
Herefordshire, County of UA
|
4
|
0
|
0
|
|
Hertsmere
|
0
|
0
|
0
|
|
High Peak
|
9
|
0
|
1
|
|
Hillingdon
|
184
|
9
|
74
|
|
Hinckley and Bosworth
|
11
|
1
|
1
|
|
Horsham
|
12
|
3
|
2
|
|
Hounslow
|
188
|
124
|
64
|
|
Huntingdonshire
|
0
|
8
|
0
|
|
Hyndburn
|
6
|
0
|
1
|
|
Ipswich
|
0
|
20
|
0
|
|
Isle of Wight UA
|
4
|
0
|
1
|
|
Isles of Scilly
|
0
|
0
|
0
|
|
Islington
|
1
|
4
|
5
|
|
Kensington and Chelsea
|
1
|
0
|
0
|
|
Kettering
|
3
|
1
|
0
|
|
King's Lynn and West Norfolk
|
6
|
0
|
3
|
|
Kingston upon Hull, City of UA
|
13
|
0
|
0
|
|
Kingston upon Thames
|
44
|
5
|
51
|
|
Kirklees
|
29
|
9
|
8
|
|
Knowsley
|
12
|
0
|
0
|
|
Lake District National Park
|
0
|
0
|
0
|
|
Lambeth
|
21
|
25
|
2
|
|
Lancaster
|
7
|
0
|
0
|
|
Leeds
|
65
|
1
|
3
|
|
Leicester UA
|
28
|
0
|
11
|
|
Lewes
|
0
|
10
|
1
|
|
Lewisham
|
41
|
41
|
10
|
|
Lichfield
|
15
|
1
|
0
|
|
Lincoln
|
6
|
2
|
0
|
|
Liverpool
|
7
|
0
|
1
|
|
London Legacy Development
Corporation
|
0
|
0
|
0
|
|
Luton UA
|
59
|
7
|
5
|
|
Maidstone
|
20
|
1
|
2
|
|
Maldon
|
2
|
0
|
0
|
|
Malvern Hills
|
4
|
0
|
0
|
|
Manchester
|
18
|
8
|
8
|
|
Mansfield
|
6
|
1
|
0
|
|
Medway UA
|
0
|
20
|
2
|
|
Melton
|
0
|
1
|
0
|
|
Mendip
|
1
|
0
|
0
|
|
Merton
|
75
|
8
|
17
|
|
Mid Devon
|
0
|
6
|
1
|
|
Mid Suffolk
|
14
|
1
|
1
|
|
Mid Sussex
|
11
|
4
|
1
|
|
Middlesbrough UA
|
14
|
0
|
0
|
|
Milton Keynes UA
|
19
|
1
|
1
|
|
Mole Valley
|
18
|
1
|
1
|
|
New Forest
|
0
|
10
|
7
|
|
New Forest National Park
|
0
|
0
|
0
|
|
Newark and Sherwood
|
8
|
1
|
3
|
|
Newcastle upon Tyne
|
8
|
2
|
3
|
|
Newcastle-under-Lyme
|
7
|
0
|
0
|
|
Newham
|
42
|
0
|
13
|
|
North Devon
|
2
|
2
|
0
|
|
North Dorset
|
3
|
0
|
0
|
|
North East Derbyshire
|
17
|
0
|
0
|
|
North East Lincolnshire UA
|
6
|
7
|
2
|
|
North Hertfordshire
|
12
|
0
|
1
|
|
North Kesteven
|
1
|
1
|
0
|
|
North Lincolnshire UA
|
10
|
0
|
0
|
|
North Norfolk
|
0
|
7
|
0
|
|
North Somerset UA
|
14
|
0
|
2
|
|
North Tyneside
|
8
|
0
|
0
|
|
North Warwickshire
|
2
|
0
|
0
|
|
North West Leicestershire
|
14
|
14
|
0
|
|
North Yorks Moors
|
0
|
0
|
0
|
|
Northampton
|
13
|
1
|
1
|
|
Northumberland UA
|
27
|
2
|
0
|
|
Northumberland UA
|
0
|
0
|
0
|
|
Norwich
|
7
|
1
|
0
|
|
Nottingham UA
|
16
|
0
|
1
|
|
Nuneaton and Bedworth
|
9
|
7
|
2
|
|
Oadby and Wigston
|
8
|
7
|
1
|
|
Oldham
|
5
|
6
|
2
|
|
Oxford
|
25
|
0
|
6
|
|
Peak District National Park
|
0
|
0
|
0
|
|
Pendle
|
11
|
1
|
0
|
|
Peterborough UA
|
14
|
2
|
1
|
|
Plymouth UA
|
8
|
0
|
1
|
|
Poole UA
|
13
|
1
|
0
|
|
Portsmouth UA
|
20
|
0
|
0
|
|
Preston
|
18
|
1
|
2
|
|
Purbeck
|
0
|
0
|
0
|
|
Reading UA
|
11
|
0
|
4
|
|
Redbridge
|
150
|
72
|
85
|
|
Redcar & Cleveland
|
12
|
1
|
1
|
|
Redditch
|
7
|
0
|
0
|
|
Reigate and Banstead
|
18
|
4
|
4
|
|
Ribble Valley
|
2
|
1
|
3
|
|
Richmond upon Thames
|
23
|
30
|
9
|
|
Richmondshire
|
3
|
0
|
0
|
|
Rochdale
|
15
|
0
|
0
|
|
Rochford
|
14
|
1
|
0
|
|
Rossendale
|
3
|
3
|
0
|
|
Rother
|
2
|
1
|
0
|
|
Rotherham
|
15
|
0
|
3
|
|
Rugby
|
12
|
1
|
0
|
|
Runnymede
|
16
|
0
|
11
|
|
Rushcliffe
|
19
|
2
|
0
|
|
Rushmoor
|
2
|
0
|
0
|
|
Rutland UA
|
0
|
2
|
1
|
|
Ryedale
|
0
|
8
|
2
|
|
Salford
|
0
|
11
|
2
|
|
Sandwell
|
41
|
2
|
2
|
|
Scarborough
|
8
|
1
|
1
|
|
Sedgemoor
|
9
|
0
|
0
|
|
Sefton
|
22
|
0
|
2
|
|
Selby
|
11
|
2
|
3
|
|
Sevenoaks
|
9
|
2
|
1
|
|
Sheffield
|
23
|
2
|
3
|
|
Shepway
|
10
|
0
|
0
|
|
Shropshire UA
|
15
|
0
|
1
|
|
Slough UA
|
62
|
6
|
9
|
|
Solihull
|
27
|
2
|
0
|
|
South Bucks
|
16
|
2
|
2
|
|
South Cambridgeshire
|
8
|
5
|
0
|
|
South Derbyshire
|
8
|
0
|
0
|
|
South Downs National Park
|
0
|
0
|
0
|
|
South Gloucestershire UA
|
30
|
0
|
0
|
|
South Hams
|
2
|
1
|
1
|
|
South Holland
|
2
|
1
|
0
|
|
South Kesteven
|
8
|
0
|
0
|
|
South Lakeland
|
7
|
0
|
0
|
|
South Norfolk
|
6
|
5
|
0
|
|
South Northamptonshire
|
11
|
0
|
0
|
|
South Oxfordshire
|
1
|
0
|
0
|
|
South Ribble
|
16
|
0
|
0
|
|
South Somerset
|
9
|
1
|
0
|
|
South Staffordshire
|
6
|
2
|
0
|
|
South Tyneside
|
14
|
1
|
0
|
|
Southampton UA
|
12
|
9
|
3
|
|
Southend-on-Sea UA
|
4
|
14
|
8
|
|
Southwark
|
7
|
2
|
0
|
|
Spelthorne
|
2
|
16
|
6
|
|
St Albans
|
24
|
3
|
10
|
|
St Edmundsbury
|
9
|
0
|
1
|
|
St. Helens
|
20
|
0
|
0
|
|
Stafford
|
10
|
0
|
1
|
|
Staffordshire Moorlands
|
2
|
2
|
0
|
|
Stevenage
|
6
|
2
|
1
|
|
Stockport
|
4
|
27
|
0
|
|
Stockton-on-Tees UA
|
16
|
16
|
0
|
|
Stoke-on-Trent UA
|
13
|
12
|
1
|
|
Stratford-on-Avon
|
8
|
0
|
1
|
|
Stroud
|
0
|
8
|
1
|
|
Suffolk Coastal
|
16
|
0
|
0
|
|
Sunderland
|
22
|
0
|
0
|
|
Surrey Heath
|
13
|
0
|
3
|
|
Sutton
|
88
|
6
|
28
|
|
Swale
|
0
|
0
|
0
|
|
Swindon UA
|
23
|
0
|
0
|
|
Tameside
|
11
|
2
|
0
|
|
Tamworth
|
12
|
0
|
0
|
|
Tandridge
|
19
|
1
|
1
|
|
Taunton Deane
|
11
|
1
|
0
|
|
Teignbridge
|
4
|
2
|
1
|
|
Telford and Wrekin UA
|
3
|
5
|
1
|
|
Tendring
|
12
|
12
|
0
|
|
Test Valley
|
7
|
1
|
2
|
|
Tewkesbury
|
0
|
7
|
1
|
|
Thanet
|
23
|
2
|
0
|
|
Three Rivers
|
18
|
5
|
2
|
|
Thurrock UA
|
37
|
0
|
2
|
|
Tonbridge and Malling
|
6
|
0
|
1
|
|
Torbay UA
|
5
|
0
|
0
|
|
Torridge
|
0
|
1
|
0
|
|
Tower Hamlets
|
6
|
0
|
1
|
|
Trafford
|
20
|
2
|
3
|
|
Tunbridge Wells
|
11
|
0
|
2
|
|
Uttlesford
|
9
|
2
|
2
|
|
Vale of White Horse
|
0
|
1
|
0
|
|
Wakefield
|
30
|
1
|
0
|
|
Walsall
|
27
|
1
|
6
|
|
Waltham Forest
|
80
|
0
|
35
|
|
Wandsworth
|
31
|
5
|
10
|
|
Warrington UA
|
12
|
1
|
4
|
|
Warwick
|
18
|
0
|
4
|
|
Watford
|
21
|
2
|
7
|
|
Waveney
|
6
|
6
|
0
|
|
Waverley
|
8
|
1
|
6
|
|
Wealden
|
12
|
0
|
1
|
|
Wellingborough
|
2
|
0
|
0
|
|
Welwyn Hatfield
|
16
|
13
|
3
|
|
West Berkshire UA
|
0
|
1
|
2
|
|
West Dorset
|
6
|
0
|
0
|
|
West Edevon
|
0
|
0
|
0
|
|
West Lancashire
|
7
|
0
|
3
|
|
West Lindsey
|
4
|
1
|
0
|
|
West Oxfordshire
|
4
|
0
|
0
|
|
West Somerset
|
0
|
0
|
0
|
|
Westminster
|
1
|
1
|
1
|
|
Weymouth and Portland
|
1
|
0
|
0
|
|
Wigan
|
33
|
3
|
0
|
|
Wiltshire UA
|
4
|
8
|
0
|
|
Winchester
|
10
|
0
|
0
|
|
Windsor and Maidenhead UA
|
16
|
0
|
2
|
|
Wirral
|
33
|
4
|
0
|
|
Woking
|
3
|
2
|
0
|
|
Wokingham UA
|
18
|
0
|
0
|
|
Wolverhampton
|
21
|
1
|
1
|
|
Worcester
|
0
|
7
|
0
|
|
Worthing
|
16
|
2
|
1
|
|
Wychavon
|
0
|
8
|
0
|
|
Wycombe
|
11
|
2
|
9
|
|
Wyre
|
12
|
2
|
0
|
|
Wyre Forest
|
0
|
12
|
1
|
|
York UA
|
0
|
33
|
5
|
|
Yorkshire Dales National Park
|
0
|
0
|
0
|
|
England (1)
|
5
278
|
1
256
|
1
130
|
|
..
= figure not provided
|
||||
(1)
Estimates have not been made for questions where the planning authority has
not provided a figure
|
||||
Source:
PS1 returns to DCLG
|
||||
David
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