-
New to the House Buying, Selling & Renting board? Start here
✅ This board is for... * Questions about buying or selling a home * Questions about renting a home * Questions about being a landlord 🚫 This board is not for.. * Debating the state of the economy * Debating house prices in general * Political debates Note: In order to help keep the Forum a useful, safe and friendly place…
-
Tenancies in Eng/Wales: Guides for landlords and tenants
post 1 This thread is intended to provide information to both landlords and tenants relating to Assured Shorthold Tenancies (ASTs) in England and Wales. Updated April 2020 to include the Coronavirus Act 2020 and July 2020 to include the Electrical Safety Standards Regulations 2020. Topics covered: Post 2: Repairing…
-
Letting a property help needed. First time
Hi guys Can someone help me. My sibling who is part owner of a family house wants to let it out for extra income . Which we all don't mind. She works and on a standard job paying around 26k a year. Rest of us have no objection for her to make some extra income. We don't want it. So how does her taxation work. Would her…
-
What counts as reception rooms?
In my house the rooms are arranged in a circuit. You come through the front door into the entrance hall. Then it goes: Kitchen, utility room, playroom (large), study (small), living/dining (large) and back to the hall. How many "reception" rooms is this? Someone told me once that only a room opening off the hall is a…
-
Is my moving cost estimate approximately right?
Hi I'm just trying to work out my moving costs, just as a ball park figure, realise that prices wont be exact but have used this online calculator and its coming out at £23K so I was going to budget £30K. Is there anything that the below calculator misses or looks wrong? Just don't want to under budget!
-
Paying off debt in lump sum before applying for mortgage
Hi all, My partner and I are looking at buying a house together. I own my current house by myself. Income £70,000 combined per year. In total, combined, we have around £28,000 of debt.Mine being £12,000 (2 personal loans taken out for home improvement - set monthly payments). 2 credit cards if needed but don’t utilise them…
-
Lenders valuer is factually wrong. What can we do
I am trying to sell my house. Had an interested buyer a month or so ago, everything was going well. The buyers lender sent their valuer in as is normal and expected. However, the valuer reported the presence of a steel frame, no problem, but he also reported spray foam insulation. There is no spray foam insulation. I have…
-
Looking for some tips as a parent of students who are entering letting market (Scotland)
Both children are looking to rent properties for the next academic year and looking for any tips that others can share. Thanks in advance.
-
Restriction on title delaying sale
Hoping someone might have been in a similar situation and has some advice please. I am in the process of buying a house and completion is being delayed due to a restriction on the title - this is related to a historic loan the sellers have fully repaid but have no paper work showing it's been paid off in full. Seller's…
-
Stamp duty for first time buyers
Hello, I am struggling to find online what stamp duty do we have to pay if I am a first time buyer but my partner has already owned a house. Does the standard % apply in this case or are we eligible for some relief? Thanks.
-
First time buyer land tax relief form
Hi, there is a common form to compile when declaring the land tax during the house purchase, solicitors don't provide consultations about that, so I wonder how it works. I'm purchasing an house less than 250k in England, I satisfy all the requirements to avoid the Land Tax, but does this mean that I can claim relief (FTB…
-
Surveyor not covered?
I have an exterior crack in my house. The loss adjuster has stated heat expansion. I want an independent opinion. Our policy covers the cost of surveyors if they are involved in the rectification of the work. I am told they won't pay for a chartered surveyor because that is part of the claim preparation, and not to do with…
-
House offer for dad - guaranteed-chain cash buyer - was this offer too low?
Hi all Just wondering people's opinions on an offer I made that was rejected and whether it was fair considering my dad's position. I've just been helping my dad search for a house due to his current mortgage-free house being purchased by a developer for a large regeneration project. They will tear it down and build over…
-
Land Registry questions
Hi everyone The Land Registry is here on our Forum to help answer its customers' questions. If you have a question pop it on here and it will do its best to help. Related on MSE: 50+ House Buying Tips Free First Time Buyers' Mortgage Booklet 2018 Remortgage Guide 2018 Ultimate Mortgage Calculator
-
Mortgage for house with land - making offer
Looking to purchase a house with land, This is currently marketed in 3 listings, One as the house & 7acres at £450 Then the house and land separately for £350 and £100 I have a deposit of £150 The house is a normal semi-detached cottage with a 1/4 acre garden The land is 7 acres adjoining/surrounding the garden and is…
-
Estate agent charging buyer for ID check
Hi all, I wondered what people thought Of this. my wife and I have had an offer accepted on a property. The estate agent acting for the seller want to charge us £60 per person to check our ID and performing anti money laundering checks. This is performed by a third party. I understand they are legally obliged to carry this…
-
When can I move energy supplier?
I complete my purchase on Friday and already know that I want to switch energy supplier. Current owners are with EON. What do I need to start the switch? A bill from EON or just the MPAN reference? I was hoping to start the switch pretty much as soon as I complete but not sure if that’s possible.
-
House not moved and kids starting new school - what would you do?
So, we're planning to move. Applied for new school for daughter (whos 10) and, at least, that all looks ok. BUT, this is september. We're just thinking what on earth are we going to do if the house is not sold, not moved into old one? Anyone had this? The new school is 45 mins from where we are now so, since we both work…
-
Recent house moving experiences please
I put my house on the market last Wednesday thinking it would take a while to sort etc as my fixed rate ends 31st July and needed to move as close to then as possible To my surprise I've had an offer already which I've accepted now I'm panicking that it's all going to go through early and complete before 31st July and I'll…
-
Another "what to offer" thread (sorry)
We have
been looking for quite a while to buy somewhere and haven’t found anywhere we
really like. We viewed somewhere recently that we know we could make great for
us. The problem is it’s been advertised as “high spec”/”needs nothing doing”
etc. Looking at the pictures from the listing it looks amazing but we went to
view…
-
Do we keep ours to rent out for future pension
Hi All we have lived in our house 19 years this month and only owe 10k It’s worth around 170k and we want to move house. new house will be approx 230k. We have savings of around 40k My questions are; 1. Would keeping ours so we have something for the future to sell for our pension, and would renting it out be worth it…
-
Bullying, Harassment & Criminal damage by unpleasant neighbour.
We have happily lived in our property for
many decades and had a few different neighbours without issue, however a couple
of years ago that all changed. Shortly after moving in the new neighbour
started making quite a few outdoor changes including:- - Removing wall that separated from and back
gardens to make a wraparound…