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Buying a home with a culverted watercourse.
Hello. We are first time buyers and have recently fell in love with a home. It has previously had 2 sales fall through however, the vendors explained this was due to a breakdown in the chain from other buys. Today we received the report from the drainage and water search and it has been brought to light that we have a…
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My solicitor has communicated incorrect information to my lender for a house purchase
My solicitor has communicated incorrect information to my lender upon requesting funds and now my lender won't agree to lend. Essentially a restriction on a title was disapplied to allow my purchase to go through. They give you a 3 months waiver to allow completion. This restriction is a dissolved management company -…
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Statutory Lease extension - Section 42 notice served and freeholder is not replying
Hi, I've had my flat for 2.5 years now and I had a surveyor value the flat and had my solicitor serve a section 42 notice to the freeholder two months ago. The deadline for the freeholder to reply was last week so I've contacted my solicitor this week on what the next steps were. My solicitor suggested that I give them…
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Paying 12 months in advance, when to negotiate reduced rent pcm?
Just a little background on the situation: I am a UK resident that has secured work at Stansted. As this is a graduate job, i will only be earning £19,100. My partner and i have found a property that we like marked up at £725pcm. Now, my partner and i could easily afford this, and this is where it gets a bit tricky...she…
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Social Housing bidding & Offer
After 2 years in temporary accommodation and support from my MP I’ve now been offered a flat through social housing . I am obviously over the moon. The property wasn’t ready to view straight away and have waited a month for the workmen to finish. It’s ready this Friday to sign and pay my deposit BUT............ Whilst…
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First down on list for council house, we'll get it depending on our bank statements?
Hello! I am currently living in my in-laws house with my partner and 3 year old daughter along with my mother in law, father in law and brother in law. I'm pregnant with my 2nd child, due in November. We've been on the waiting list for a council property for while now and yesterday we had a phone call to ask if we would…
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Is my solicitor taking advantage of the situation?
I am first time buyer so all this is a complete new process for me. I have used a recommended solicitor to handle our case. Initially the fees were agreed at 1475£ + VAT (with possibility of increase if the case resulted complicated). During the process my solicitor highlighted the need for a deed of variation on the lease…
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housing benefit and high earner mortgage
Just started process of applying for a mortgage. I live on my own and receive housing benefit due to my illness. My fiance lives elsewhere and is a high earner. We are applying for a joint mortgage which he will pay for and I will give up my flat and housing benefit. We plan to marry next year. One lender told us they…
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Help with what’s probably a stupid question from a solo buyer
Hello all I know this is probably really stupid but i’m in process of buying a new home solo and a bit clueless on it all and nervous i’ll make a mistake Sale and purchase just agreed to now completing solicitor forms. The instruction questionnaire asks if i have the full 10% deposit available to be paid on exchange. My…
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Our Solicitors are useless
Seller Solicitors are really in to the job. but our are really slow and annoying. Several times I tried to communicate with him, but it is impossible. More than once I got a reply saying that he was busy and promising that he would call me the next day with an update, but he didn't. as far as I know all the searches are…
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Selling to the Council or other advice
Hi All, Just looking for anyone who has experience in selling their property to the council. How they found it, how quick it went, what they took and what they left etc? Long Story short, I bought my flat in 2014. It is the only bought flat in the building of 7 flats total, the rest are owned by the council. This results…
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freehold flat
For the last 12 years i've had a leasehold flat , having to deal with rip off management companies and freeholders . Moved out to the coast 5 years ago to another leasehold flat , but have decided now is the time to move and get a flat with a garden. I'm in Worthing and i've been advised by my estate agent there is a lot…
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Leaflet drops to buy a potential new home
Hello, I'm looking to buy a house in a popular area and can't find anything suitable. A friend suggested a leaflet drop but I'm unsure about the best way to do this. I want to keep the message short and was thinking of an informal approach - do you think this is best? Also should I handwrite or type? And would it be…
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What mortgage category am I in?
Hi Can anyone tell me what mortgage category I'm in please? I was on a first time buyers mortgage from 2010-2014 with my ex partner, I was taken off it after we split up (i got nothing from the transfer to him solely) and have been renting privately ever since. I'm finally in the position where I would like to buy my own…
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DWP decision making re capital
Hi, decision on
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FTB - seller delaying completion - any advice?
This is my first time posting, so go easy on me. My partner and I are first time buyers, we are in the fortunate position of purchasing a percentage of a shared ownership home outright in cash, so essentially requiring no mortgage. The seller initially stated they were not in a chain and would be available to move out…
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Deed of Covenant Subletting
Hello, 2 years ago the Borough where the flat I let is located required for properties located on certain roads to apply for a property licensing certificate. I did it and a couple of weeks ago I received the certificate. So far so good. Today I have received another letter from the freeholder saying that the council has…
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After survey estate agent passing on to solicitor
Hi All Estate agent has said the following and am not sure what it means “ must stress that enquires regarding the sale after the point of which the survey has been completed will fall on the responsibility of your selected solicitor.” Does it mean if survey picks up major issues that discussion is through the solicitors…
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Solicitor exchanged contracts before we have a mortgage offer
Hi there, Last Friday our solicitor exchanged contracts with the seller's solicitor to purchase our first home. She had alerted us that the completion date would be 13th March and mentioned that she would exchange at some point before that. She called my girlfriend and asked if we were happy to exchange, she said yes if…
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apportionments
Hi everyone Hope someone is able to help. We're buying 45% of a house (before people say anything sadly this is our only option when we're being priced out of our area) We've just seen this in an email from our solicitor.. "The Solicitors acting for the developer will also collect in an advance payment of your Ground Rent,…