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Should Your Letting Agency Be Outsourcing Non Core Activities?

Recently, I gave a talk at a regional ARLA meeting to 120 letting agents at the beautiful Lansdowne Club in London. As part of the talk, I asked the agents to raise their hand if they conducted their inventories in house. My experience of letting agents in Manchester and elsewhere in the country suggested I could expect about 60% of the agents to still conduct inventories in house. However, not one of the 120 agents there raised their hand. They all outsourced this function.

I discussed this with a few of the agents afterwards and they all expressed surprise that any letting agent would still conduct inventories in house. They firmly believed that it made better financial sense to outsource the work to a professional inventory provider.

What’s the real cost of conducting inventories in house?

So, if 100% of those ARLA letting agents in London are outsourcing their inventory requirement, we asked ourselves why are the majority of agents in other parts of the UK still using in-house staff. Clearly, the answer is that even though there are clear advantages in outsourcing, they must believe it is cheaper and therefore more profitable to perform the function in-house.

Our financial director Justin and I sat on the train on the way back and calculated what the real cost of using in house staff to do inventories actually was. We assumed that the letting agency would normally rent around 15 properties a month and took into account, salary, overhead, petrol, parking, professional indemnity insurance, the extra time for an inexperienced person to carry out the inventory and, importantly, the opportunity cost of having an agent conducting inventories rather than their core function of finding tenants.

Our results showed that for a typical agency it was likely to be costing them about 50% more to conduct each inventory than it would to use our service – and without any of the advantages.

Clearly, if an agency’s staff are being underutilised then it can seem sensible to use them to perform non-core activities. However, consider this: are you really giving your landlord clients the service they deserve by letting untrained staff perform what for the landlord is a very important task? It could conceivably lead to him losing hundreds or thousands of pounds if he doesn’t have an inventory that satisfies the adjudicators. In a market where every letting agent is looking for more landlords is an in-house service likely to give you a competitive edge and enhance your reputation?

The Property Listings Outsourcing Solution

In essence, outsourcing can reduce costs, minimize risks and ensure you are using the best qualified people for any given task. In addition to our award wining video inventory service, we can now offer EPCs, floorplans, and video tours and will be adding further services very shortly, thus providing a one stop solution for your property listings requirements.

Phone us on 0845 230 5197 or email enquiries@videoinventoryagency.co.uk for more information.

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The Truth Behind Cheap References

Guest post by Samii Boyd of LandlordReferencing.co.uk

I’m sure you’ve all heard & used the phrase “you don’t get something for nothing”. Well, this is also very true with regards to tenant referencing. I received an email today (which was spam I might add) telling me how I can get a reference for as little as £6.95 +vat. If you read on (which most people don’t tend to do) you will realise, as I did, that these companies can do this by offering discounts so they can capture your contact details and flog you their insurance policies.

Did you know that your name can be worth up to £20 to an insurance company?

Someone once told me, which is oh-so true, that anyone can buy a 49p hamburger but then they’ve got to eat it..! And, just like a 49p hamburger, a cheap reference will give you the same indigestion! With everything in this life you get what you pay for.

Because our mission is to work entirely for our landlords and letting agents to keep them safer, we believe that we should be entirely transparent about our costs. All revenue is reinvested into sustaining and growing of our community of members. The more members we have, the more data we have on tenants, which improves our free service, which in turn protects your investment and more importantly yours and your good tenants personal safety.

Let’s face it, people fall for these sales ploys all the time in exchange for receiving “discounts.” Tesco have stopped their buy one get one free deals as people have realised that it’s not buy one get one free; it’s actually buy two at half price, which is a great way to get you to buy two.

At LandlordReferencing we don’t believe you should buy your insurance/referencing packages together. Nobody in the UK, bar us, offers a credit reference (with no yearly subscription), insurance coupled withfree lifestyle reference. Lifestyle Tenant Referencing is simple; 1000s of professionals within the same field uniting their information about their tenants, both good and bad, in order to assist one another in protecting themselves against any further damages or losses on any new contract of tenure in the future. It is an important service because while Landlords can undertake references from credit agencies, employers, friends and family, it does not tell you how a tenant may conduct themselves both in payments and in their lifestyle. Their previous landlord can give a 100% unbiased and informative opinion as they have one-to-one experience in dealing with the tenant first hand.

And so The Lifestyle Reference was born; to give you the real information that you need to identify problem tenants before they try to rent from you.

Our database relies on members providing us with the information on their existing and previous tenants, which is then confidentially and safely stored to offer a match to other Landlords and Letting Agents who may search against them for the purpose of a reference in the future. No personal details are passed on to third party Landlords or Letting Agents, just the information on tenants previous Landlord or Agent – thus never putting any tenants details at risk.

The Landlord Referencing Lifestyle Reference has been designed as a safe and legal way for Landlords and Letting Agents to give and receive up to the minute references between one another on existing and previous tenants as to how tenants conduct themselves during their tenure.

And best of all, it’s free.

At LandlordReferencing.co.uk you see what you get and you get what you pay for – the best product at the best price.

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Why Interim Inspections And Updated Inventories Are Increasingly Important For Landlords

The recent news that England is moving away from being a nation of homeowners towards long term renters, with the majority of the younger generations stating they either through circumstances or choice have no intention to buy, is good news for landlords who are keen to expand their portfolios. Inevitably this will lead to longer term lets and with that, an increased importance of interim inspections and other inventory services.

Long-term lets are usually preferred by landlords and whilst time is spent negotiating rent increases and AST renewals during long-term lets, the matter of keeping inventories updated and performing interim inspections is often neglected. During the course of a longer tenancy, improvements may be made, various items replaced and without formally updating the inventory, there is no proof as to the standard of work carried out or, for example, the existence or condition of the replacement item. Tenants who know how to work the system could well take advantage of this when the tenancy comes to an end, and without proper evidence they may be able to get away with leaving the property closer to its original rather than improved condition, which will hit landlords in their pockets.

The best way of providing a supplement to the original inventory is to arrange for an independent inventory agent to visit the property during the course of the tenancy agreement (for example: immediately after any improvement works), and produce a new condition report of the relevant areas/items which includes video or at least photographic evidence. This should then be added as an addendum to the original inventory, and signed by both parties and utilised at the check out inspection as the base comparison document.

Conducting a check out inspection against an inventory that is two years old or more can be problematic if no updates have been made when they should have been. Ensuring that inventories are an accurate base for comparison is therefore very important, and will assist in a quick resolution to any issues and ensure the prompt return of the deposit to the rightful party.

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Are The Tenancy Deposit Boards Biased Towards Tenants?

Why The Legislation Was Introduced

According to the last Labour government, a significant number of landlords were abusing their position and holding on to deposit money that rightfully should have been returned to the tenant at the end of the tenancy.

To address the position, in 2007 they introduced the Tenancy Deposit Protection Scheme to protect tenant from the unethical landlords and letting agents who were unfairly withholding the return of deposit monies from the tenant.

The Tenancy Deposit Protection Scheme means that where property is let, the deposit must be controlled by an independent third party rather than the landlord/agent. That third party returns the deposit to the tenant at the end of the tenancy unless the Landlord can show that there are reasons to withhold repayment (e.g. for damages or cleaning).

The government awarded contracts to three companies to run the Tenancy Deposit Scheme, The Deposit Protection Service (The DPS),the Tenancy Deposit Solutions and The Tenancy Deposit Scheme (TDS).

Tenant Bias?

These bodies have developed a (somewhat unfair) reputation with landlords for being biased towards tenants. This has been further reinforced by the statistics released last year which show that 92% of cases have been found in favour of tenants and that landlords lost over £12M – and that’s just in the cases that actually went all the way to adjudication.

However, in defence of the deposit bodies, they are not biased in favour of the tenant. Their attitude is simply that the deposit money rightfully belongs to the tenant unless the landlord can prove that there is a justifiable reason for keeping it. To prove it the landlord must have strong evidence – and that means a thorough inventory detailing the property, its contents and their condition at the start of the tenancy and a comparative check out report at the end highlighting the differences in condition.

Good landlords have always conducted inventories on their properties – albeit fairly basic ones in most cases. But a simple checklist of contents is no longer sufficient. The burden of proof lies squarely with the landlord and the corroborative evidence must be watertight.

Without strong evidence clearly detailing the disparity and cleanliness or condition, the adjudicators will indeed find in favour of the tenant.

It is therefore essential for the landlord to have a professional (and independent) inventory backed up by visual evidence (“before and after” photographs) of the damaged/dirty item. However, the problem with photographs is that you need thousands of them to cover all the possible areas that might be damaged. It is for this reason we chose to use high definition video to support our inventories as a half hour video recording can amass evidence equivalent to tens of thousands of still photographs.

Of course landlords are being hit from all sides by charges, but when you consider (ignoring any serious damage that may be caused) even the cost of a professional clean will exceed £100…and the fact that you have no chance of claiming that money from the tenant without a proper inventory, a reasonably priced video inventory is something every prudent landlord should order each time he lets a property.

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TVIA increases coverage

The Video Inventory Agency is pleased to announce it has recently taken on new franchisees and increased its coverage in Worcestershire, Oxfordshire, Shropshire, The Midlands and East London. Franchise director, Frazer Fearnhead, comments: we now have good coverage with most parts of the country covered and are well on our way to reaching our target of 60 franchisees by 2013.

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1,000,000 more rental properties as home ownership declines

Almost one in six homes is now a private rental property, as both home ownership and social housing decline.  The English Housing Survey from Communities and local Government shows that the number of households renting privately has increased by one million in the last five years.  In 2005-6, there were 2.4 million private rental households, which rose to 3.4 million in 2009-10.

The private rented sector now accounts for 15.6% of all households in England, up from 14.2% in 2008-9 and 11.7% in 2005-6.  Capital Economics estimates that the private rented sector will be home to nearly one in five households by 2015.

Commenting on the survey, Grenville Turner, chief executive of Countrywide, the UK’s largest chain of estate agents, said: “The UK has traditionally been a nation of home owners, and whilst millions still aspire to buy their own property, current market conditions make that more challenging than usual.  Our agents saw a 17% increse in new buyer inquiries during 2010, but market transaction levels remained flat.

“Successive governments have widely encouraged home ownership, but the impact of the recession has led to a structural change in the market, with record levels of tenant demand. As the UK’s largest letting agent, we have seen a 37% increase in new tenant applications during 2010 with 4.5 tenants vying for every available property.  We are now beginning to see a shift in attitude, as a whole new generation is growing up choosing to rent long term, and the average age of a first-time buyer has risen to 37.”

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10 common reasons why inventories fail at adjudication

With over 23,500 deposit disputes last year year -  a figure that is set to increase as tenants become more aware of their rights – it has never been more important to have a professional (and independent) inventory.   An inventory is a record not only of a property and its contents but also (crucially) their condition at a specific point in time (i.e. at the date the tenancy starts).

Many inventories fail to convince the adjudicators because they fall far short of the evidential standards required. The fact that over 90% of cases are found against landlords indicates that if you do not supply the tenant with a proper professional inventory you may as well not bother at all.

These are the most common reasons inventories fail – with tips on how you can ensure your inventories are up to scratch.

Problem 1: The landlord used an old inventory that didn’t reflect the condition of the property’s contents accurately.  This is a common problem when agents or landlords try and cut costs by using an old version rather than pay for a new inventory.
Solution: Clearly a new inventory must be done at the start of each tenancy if it is to properly reflect the condition.  Some companies offer an “inventory remake” but this is undermining the credibility and evidential strength of the inventory.  Not recommended.

Problem 2: The inventory was dated significantly before the start of the tenancy (and therefore the property may have changed condition in the meantime).
Solution: Ensure that the inventory is scheduled to be conducted as shortly as possible before the tenant moving in date.

Problem 3: Photographs have not been signed and accepted by the tenant which means they could have been taken at any time.
Solution: Ideally, tenants should sign each photograph or each page the photographs are on.  At TVIA we ensure tenants sign to say they have received the written inventory and supporting DVD, and they then have 7 days to raise any objections or it is deemed to be accepted.  Each of our recordings is time and date stamped and we (an independent 3rd party) keep a copy of the recording for 12 months.

Problem 4: Items claimed for were not recorded on the original inventory.
Solution: Ensure that properly trained clerks conduct the inventories and that they follow a systematic process so all items are covered.  Ideally, they should use a video camera as a half hour high definition video at 25 frames a second is the equivalent of 37,500 still images.

Problem 5: The inventory just lists items with no schedule of condition.
Solution: All inventories should clearly state the condition of each item.  It is absolutely essential.  At TVIA we also use a simple numerical grading system.

Problem 6: Wording in the inventory was too vague (e.g. scuffs to wall) with no supporting visual evidence or poor inaccurate descriptions.
Solution: All inventory personnel should be trained to record concisely.  If you use high definition video evidence, as we do, it will provide all the visual supporting evidence you need.

Problem 7: Some clerks (especially those who do not use photos or video), write very long detailed descriptions in their inventories with lots of small print.  These have been held to impose an unfair burden on the tenant.
Solution: We suggest that the written documents arekept concise so that the tenant can easily read and understand it, and the supporting evidence is provided by video or at least a large number of good quality photographs.

Problem 8: Different systems are used for check-in and check-out making an accurate comparison difficult.
Solution: It is important that the same methods of recording are used for the original inventory and the check-out.

Problem 9: No supporting evidence is provided, or supporting evidence doesn’t clearly show the condition of the item before and after the tenancy.  Whilst having photographs is better than not having them, it is impossible to take photographs of eveything that might be damaged during the tenancy (and also the part of the item that may be damaged).
Solution: Hi-def video provides the best evidence possible as it offers comprehensive coverage, shows the overall condition of the property and its contents in the context of their surroundings, and a typical video is the equivalent of over 37,500 still photos.

Problem 10: Condition reports that hinge on unusual or unintelligible abbreviations that will probably not be recognised by the tenant will be deemed to be unfair.
Solution: Use plain English and also use trained audio typists to type up the inventory so that they can ensure everything is spelt correctly.

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From the horse’s mouth…

Extract from Cheshire East Council’s Private Landlord’s Newsletter:

Diane Cummings PSLO Macclesfield, recently asked Mr Glenn Warrington, a landlord who has properties both in Cheshire and High Peaks and is a member of the RLA, about his experience of pursuing tenants who left owing him money. He had the following advice to give and urged caution when employing a debt recovery agency.

Firstly he wanted to stipulate the importance of a good quality inventory and raised concerns over the difficulties landlords were facing when claiming through the Tenancy Deposit Schemes. Glenn understands that in cases where a tenant disputes the claim, the landlords are losing a high percentage of claims. He feels this might indicate that inventories are not sufficient to substantiate a claim and would urge landlords to provide as much evidence as possible.

Thank you Glenn!

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Tenants, protect your rights!

Here’s an interesting quote from Tessa Shepperson on her landlord-law blog giving tenants advice on the tenancy deposit:

“Finally, bear in mind that your job is easier than that of the landlord. The tenancy deposit money is yours, so it is up to the landlord to prove that he has a right to claim part or all of it. If he has no tenancy agreement or has failed to do a proper inventory, he will find this almost impossible. However even so, it is best to protect your position by providing the adjudicator with the best evidence you can.”

…we couldn’t agree more!

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TVIA announces new Business Builder Package

The Video Inventory Agency (TVIA) recently announced that all new franchisees will benefit from an intensive  marketing campaign conducted by Head Office sales staff in order to launch their new business.

The campaign will comprise highly targeted email and direct mail campaigns plus telemarketing to book appointments with quality letting agents in the franchisee’s area.  Once the appointments have been made a TVIA directory will accompany the franchisee to the meetings and help close the deals.

Additionally, the new franchisees will receive an extra day’s training on top of the existing business development course with a specialist sales trainer.

Commenting on the improved offering, founder Frazer Fearnhead, stated “As with many franchises, sometimes franchisees, whilst being able to perform the service well, are not necessarily confident with the sales side of the business.  I have wanted to add this business builder package for a while as it will solve that problem, but is only now with the recent investment from PINPoint Property Information that we have the capacity to be able to offer it. It undoubtedly makes our franchise package considerably more attractive to many potential franchisees.

For further information please contact frazer on 0845 230 5192 or via email

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