We're becoming buy-to-let landlords: Should we use a managing スパイ／執行官 非難する us 20% of our income, or save money by doing it ourselves?

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My partner and I are finally buying a new home with more space and a garden, having struggled in our one-bedroom flat during lockdown.

We are in the fortunate position of 存在 able to buy without having to sell and we have therefore decided to keep our flat as an 投資 and rent it out.

We are considering using a letting スパイ／執行官 to find a tenant, but are 決めかねて over whether we want to outsource the day-to-day 管理／経営 同様に.

We spoke to a 地元の letting スパイ／執行官, but they 告発（する），告訴（する）／料金 20 per cent of the 月毎の 賃貸しの income in 料金s for their 十分な 管理／経営 service, which seems like a lot.

A friend of ours has 示唆するd we would be mad to use an expensive high street スパイ／執行官, and recommended we use a cheaper online service to rent it out and manage the 所有物／資産／財産 ourselves.

We like the idea of a fully-managed service 除去するing all the 強調する／ストレス, but want to know if there are other advantages and whether 20 per cent is too much.?

And if we 選ぶ to manage it ourselves, what 選択s are out there and what else do we need to consider? 経由で email

When a landlord 選ぶs for a fully-managed lettings service, the スパイ／執行官 steps in and 扱うs everything from 言及／関連ing a tenant to arranging for 修理s to the 所有物／資産／財産

Ed Magnus of This is Money replies:?Becoming a buy-to-let landlords can be a time-消費するing and 需要・要求するing 投資.

On 最高の，を越す of finding suitable tenants, you have to consider other factors such as 規則s and safety checks, 維持／整備 costs, 無効の periods and rent collection to 指名する just a few.

Using a letting スパイ／執行官 enables landlords to take a step 支援する and 許す someone else to manage everything on their に代わって.

But it can come at a かなりの cost, on 最高の，を越す of what they are already 支払う／賃金ing in 税金 and 維持／整備.?

伝統的な high-street letting スパイ／執行官s can 告発（する），告訴（する）／料金 anywhere between 5 and 25 per cent of the 月毎の 賃貸しの income depending on the company, the 場所 and the service level on 申し込む／申し出.?

概して, there are two service levels 利用できる. As the 指名する 示唆するs, the?cheaper 'let only' service is where the スパイ／執行官 finds the tenants, moves them in and then 手渡すs everything 支援する to the landlord.

You should typically 推定する／予想する to 支払う／賃金 between 5 and 8 per cent of the 月毎の rent for this service, によれば the 所有物／資産／財産 会議, 所有物／資産／財産 中心.

The 'fully managed' service is where the スパイ／執行官 takes care of everything during and letting 過程 and the tenancy, 含むing rent collection and organising 修理s. This should typically cost between 8 and 15 per cent of the rent, によれば 所有物／資産／財産 中心.

If you just want help with the lettings and moving in 過程, there are online 選択s which are far いっそう少なく expensive.?

Online スパイ／執行官s such as Open Rent, Mashroom, Howsy, and Upad all 申し込む／申し出 cheaper DIY 代案／選択肢s to using the more 伝統的な high-street スパイ／執行官.

Open Rent for example, 申し込む／申し出s landlords the chance to 支払う／賃金 just £29 for three months of advertising on Rightmove and Zoopla, giving 使用者s the ability to 扱う viewings and enquir ies themselves.

With some of these services, landlords can then 選ぶ and choose their level of 関与 with 選ぶ-and-mix extras such as viewings 一括s and photography services.?

For example, Mashroom 申し込む／申し出s the choice of professional photography and floorplans for an 付加 £100 料金, and Open Rent 含むs tenancy 言及／関連ing from £20 and 契約 草案ing, deposit 登録 and 初期の rent collection for £49.

This is Money spoke to?Zaza Oswald, 長，率いる of Winchester lettings at high street 広い地所 スパイ／執行官 Carter Jonas;?Calum Brannan, 長，指導者 (n)役員／(a)執行力のある of online letting スパイ／執行官 Howsy; and?James 支持を得ようと努めるd, 上級の 政策 officer for the 国家の 居住の Landlords 協会, for their advice on the 事柄.?

What are the advantages of using a 伝統的な letting スパイ／執行官?

支持を得ようと努めるd replies: The main advantage should be having the peace of mind that a 所有物／資産／財産 is managed by an experienced professional who can 確実にする they 会合，会う their 合法的な 責任／義務s.

This is not always the 事例／患者 though. It is important to check that the スパイ／執行官 is up to date with the 最新の 法律制定, and has good reviews from other landlords and tenants.

スパイ／執行官s can be 高くつく／犠牲の大きい, but if the landlord does not have the time to manage the 所有物／資産／財産 themselves they are usually 価値（がある） it.?

Landlord life: Managing your 賃貸しの 所有物／資産／財産s yourself can be hugely time-消費するing

Oswald replies: A good letting スパイ／執行官 will 供給する golden nuggets of insight, helping landlords to 的 the 権利 demographic for a 所有物／資産／財産 and price rents 正確に.?

They'll also often have a 名簿（に載せる）／表（にあげる） of 見込みのある tenants on their 調書をとる／予約するs, so they are in a 広大な／多数の／重要な position to get the ball rolling even before the paint is 乾燥した，日照りの and marketing photos 利用できる.

Managing a 所有物／資産／財産 can also be surprisingly 労働-集中的な, so it is also a question of time and 専門的知識 for the landlord.

Statistically, tenants tend to stay longer in professionally-managed 所有物／資産／財産s - and it's often something that 法人組織の／企業の tenants 主張する on.

What should a DIY landlord consider before going it alone?

支持を得ようと努めるd replies:?If the landlord does not live in the area where their 所有物／資産／財産 is 位置を示すd, they should probably consider an スパイ／執行官.?

If they decide to manage the 所有物／資産／財産 themselves, they will need to be up to date on the 最新の 法律制定 and will need the さまざまな tenancy 協定s and 文書s.?

文書s such as energy 業績／成果, gas safety and 電気の safety 証明書s are all 合法的な 必要物／必要条件s and landlords need these in place before the tenancy begins.

If they are taking a deposit, this must be 保護するd in a 政府-認可するd 計画／陰謀 within 30 days of receiving the deposit.?

Brannan replies: You need to 査定する／（税金などを）課す the market and consider 最近の market 傾向s to make sure you value the 所有物／資産／財産 正確に.?

Landlords should 行為／行う an 在庫 報告（する）／憶測 before the tenant moves in, to 査定する／（税金などを）課す the 所有物／資産／財産's 条件 and 補助装置 them with any （人命などを）奪う，主張する that they may want to 追求する against the renter in the event of any 損失.?

The landlord also needs to decide how they will manage viewings, 契約s, background checks and 言及／関連s on renters to 確実にする they're suitable.

You may prefer to have the ability to choose who you rent to, rather than relying on an スパイ／執行官

You will also want a team of 信用d tradespeople on 手渡す to help you when there is a leaky 麻薬を吸う or a boiler on the brink.

You also need to think about how you will manage 公共事業（料金）／有用性s. This is 特に important during 無効の periods, and can lead to lots of admin work if not managed 効果的に.?

Finally, don't forget to think about how you will be managing 接近 to the 所有物／資産／財産 - 同様に as 供給するing a 始める，決める of 重要なs to renters, you may need to 保持する a 始める，決める for yourself to manage 接近 for tradespeople or other circumstances.?

判決??

Ed Magnus of This is Money replies:?If you 選ぶ to use a letting スパイ／執行官, it's important to do your 予定 diligence before 調印 up with one.

Word of mouth and online reviews will give you some peace of mind, but don't be afraid to 選ぶ up the phone and 実験（する） how responsive they are to tenancy enquires.

If your heart is 始める，決める on a fully-managed service, it would be wise to speak to at least a couple more letting スパイ／執行官s to compare prices ? you may find one that will 告発（する），告訴（する）／料金 much いっそう少なく.

You could also use the 料金s 申し込む／申し出d by other letting スパイ／執行官s as a 取引ing 半導体素子 in haggling another スパイ／執行官 負かす／撃墜する in price.

However, if you're comfortable with the 需要・要求するs on your time, the 規則s and the 手渡すs-on 関与 of 存在 a DIY landlord, you could find that you save yourself hundreds if not thousands of 続けざまに猛撃するs each year by using an online letting スパイ／執行官.

Other than just 貯金, there are also arguably some advantages of 存在 a DIY landlord.?

Whilst letting スパイ／執行官s often （人命などを）奪う，主張する to handpick tenants on your に代わって and will 誇る of 答える／応じるing 速く to 所有物／資産／財産 維持／整備 問題／発行するs, you are essentially 没収されるing your ability to 保証（人） this.

Were your 所有物／資産／財産 to have an 問題／発行する, such a 漏れるing 麻薬を吸う, you may prefer to be in a position where you can 答える／応じる 速く to 保護（する）／緊急輸入制限 your 投資, rather than relying on a third party.?

その上に, as a DIY landlord 行為／行うing viewings, you will likely 会合，会う any 見込みのある tenants 事前の to a tenancy 開始するing, meaning you have a better understanding of who will be living in your 所有物／資産／財産.??

最終的に it will come 負かす／撃墜する to how much you value your time, and your 乗り気 to 活発に manage your 投資.?

If you're short on time and would prefer a more laid-支援する landlord experience, it may 控訴 you to 選ぶ for a fully managed service.