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Howard Lampe







I have a flat which I have had for about 8 years

Hi Martin,

I have a flat which I have had for about 8 years. At the moment it is rented but the tenants are due to move out beg of Sept. I lived in the property for 6 of these 8 years and the property has only been rented for 2 years. I am going to move in to do it up before putting in more tenants. I would like to try to sell in the Spring of next year depending on what is happening with the market. What is the situation with capital gains? Do I have to move in for 6 months prior to selling? The property is in my name and is residential not buy-to-let. How are checks done when properties are put on the market but have tenants in them?

Another question as well please. Could I put my name on the council tax even if not living there. Would this help when coming to sell, if it shows I've been living there and all post is still going to the address?

And one more! I am on a standard variable purely because I don't know what to do with the flat yet. What is the danger of keeping it on this and not on a fixed. Are interest rates going to jump up? what is the forecast for next year?

Thank you,

Don't lie. If there are inconsistencies from what you have said previoulsy it will create a real problem for getting a mortgage in the future. Ask as accountant re tax issues as they are persoinal toi you. most analysts think interst rates are set for a while. hope that help. m





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