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  • Buy-to-Let

    Gaining entry for valuation

    I have two unencumbered properties on which I want to raise finance. Obviously, the lender needs to value each property.

    When I first made the applications, the tenants for each property allowed the valuer access, and each property was valued accordingly.

    Unfortunately, the offers lapsed before I found the right property to buy with the finance raised. Hence, the lender needs new valuations.

    New appointments were therefore made and one of the properties has now been revalued. The offer on that property is now valid for 4 months.

    However, the tenant on the other property cancelled her appointment at the last minute, and now refuses to respond to all phone calls.

    Any suggestions?

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    You need to find out why and having a face to face meeting will assist with that

    Is the request for a valuation and her non communication connected or perhaps it is something different

    Give 24hrs notice of a house check via all communications media available to you /her

    Ask that she be there and if not convenient to  give you another time /day

    If no response do the house check anyway and take a witness then assess

    Ideally the valuer can come with you as well if you can arrange a match up

    If she responds then adapt to that response accordingly

    Always flag up what will happen with a tenant and record it

    By letting people know they cant say they didn`t know and your case is strengthened

    Fear drives people to ground . Give them hope and clarity and they may respond

    But let them also be aware of what will happen  if any  lifeline you offer is ignored

    This is always done better face to face in my view ( as long as you yourself are not an angry person )

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    Jonathan Clarke. http://www.buytoletmk.com

    Jonathan thanks for responding so quickly and carefully.

    I wish I had you on hand for all my BTL questions!

    Trouble is, unless and until she responds I can't know what the problem is. However, I've no reason to think its connected with the valuation itself.

    Is it usual to have the right to do a 24-hour notice check? I thought tenants ultimately had the right to refuse entry, unless and until one goes through the court?

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    They have a right to refuse entry yes but you have simply made a legitimate request

    If you did this every week that is harassing yes but you are nowhere near that stage yet

    You need just to illicit a response as they are not communicating

    Doing a house visit and asking her if convenient  puts the ball in her court

    They may have lost their phone / run out of credit

    I take  you have already e mailed before today and they have not responded ?

    Have you put a note through the door

    I personally would not  2nd guess the reason yet by flagging stuff up prematurely in an e mail

    Your  mind is racing  as to what may have happened . So would mine

    But their mind works differently to you often and races in different directions

    Assumptions are sometimes widely out

    I did a F2F yesterday for a  similar situation using my method

    His phone was simply bust and all was resolved . No £50 needed !

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    Jonathan Clarke. http://www.buytoletmk.com

    Jonathan thanks again.

    I have an agent on this, and will discuss your and Vanessa's suggestions with him.

    I'm pretty sure he has emailed the tenant, but I doubt he's tried a note under the door.

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    Yes agreed get the full story from the agent first and see exactly  what they have done to date

    You need a complete sequence of events which tell a story  - then evaluate

    The agents may have perhaps caused the problem themselves by being a lil over enthusiastic

    Is the property local to you ?

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    Jonathan Clarke. http://www.buytoletmk.com

    No. I’m in Bournemouth; the properties are in Hull. However, I will visit in a week or so.
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    Ah - sorry to say  but your dilemma  has been further complicated unfortunately

    Be guided by the agents advice initially . Hope they are good ones

    Keep an open mind for now as to why there is no communication  -

    May be innocent . May be more sinister . Only time will tell

    Good Luck

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    Jonathan Clarke. http://www.buytoletmk.com

    Thanks again. Some useful advice from you and Vanessa.
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    Tenants are allowed what is known as "quiet enjoyment" of their rental home, and are not obliged to give access, even if you have a clause in your tenancy agreement.

    I would therefore write an email to your tenant, explaining what the valuation is about and that it is nothing sinister and you are not selling up or anything that could affect the tenancy.

    I would then offer her £50.00 financial incentive to allow the valuer access, to compensate her for any inconvenience caused.  I am sure you will hear from her on that basis, but do let us know if this approach works.

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