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university accommodation costs
My youngest daughter is going to university in glasgow next year. She has a childhood friend and they are considering sharing accommodation. At the cost of rental, I feel it would be a waste of money to rent but my share of a mortgage would be 75000. Assuming that I can borrow that amount in addition to my existing…
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Your house as seen by
Your house as seen by...
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Survey required?
The mother in law is in the process of selling the lat she currently lives in and buying a retirement flat. She won't need a mortgage for this and the retirement flat is one where she pays the management company that owns the flats for building insurance so they pay for new windows roofing etc As there will be no mortgage…
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Buying Ex-Council Flat - FTBs - Wise Move?
Hello there, My girlfriend and I are in the process of buying an ex-council owned flat from a private developer. We are first time buyers. The flat we found attracted us initially because of its location (being in a suburb which is one of the most pleasant, affluent and exclusive areas in the entire country) and it has…
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Protection against drop in value?
I am going to be selling-up from the SE next summer, but am concerned that UK house prices could have fallen by then. I've heard that there are spread-betting services such as CityIndex where you can put money on the national house price index rising or falling. So I could put money on the price index falling, the gain on…
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Irregularities in Home Buyers Report
Hi, if anyone can offer any advice i would be most grateful. We have had a HBR on a property we are in the process of buying. The surveyor was appointed by the lender. When we received the report back it claimed that he couldnt inspect the stairs as they were carpeted (there is no carpet in the entire house), and that he…
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Bad Surveyor Report, problem after 3 years
Hi Guys, I normally post in the Get out of Debt Thread, but urgent advice needed on my house. I bought it 3 years ago and I had a basic homebuyers surveyor, the only problem was damp. However, it appeared that the chimney stack (i think that is the correct term) was not built properly in the loft and is now collapsing. The…
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STAMP DUTY on house + building plot
We have put an offer in for a house with a building plot which were being sold together or separately. Anyway, we put an offer in for asking price for each. This was accepted. What we want to know is, now the combined total is over the £250,000 mark do we have to pay 3% stamp duty or can we take them as separate…
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First Time Rental?
Moving in with my partner and we want to rent as house/flat prices are very high at the mo. We are looking for a house/flat of around £400PCM, now at this price you dont get much when you search, but if the property is up for say £575PCM, do you think landlords would come down? or would it be better to find out who the…
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URGENT ADVISE imdemnity insurance
we sold our house 5 weeks ago the survey has been done now the sol rings my husband today and the buyers soli wants us to pay for an indemnity policy on the conservatory which was already on the house when we purcahsed 8 years ago when we bought the house this was never a problem. and our soli never mentioned any of this…
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What price flat should I look for?
Hello - this is probably going to sound a stupid question, but although I bought my flat 5 years ago, I have no experience of selling AND buying a home at the same time. I am thinking of moving flats next year, within the same area. As a ball park figure, estate agent valued it on Saturday between £180,000 and £190,000.…
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Anyone know what percentage of asking price
is currently the average being got at the moment? Would be interesting, obviously a lot of houses are overprices and varies wildly from area to area.
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Any buy to let tips for north of England?
Hi, I am looking to purchase a buy to let property in the north of England, anyone any tips where would be a good investment for something under £100k. I have been told that Newcastle, Wigan, Leeds worth a look?
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Is it possible to "drag out" the sale process?
Hi All, A accepted an offer on my propety one month ago. The buyer has had a survey done and ive instructed solicitors etc etc. Ive completed the SPIF and fixtures and fittings etc and returned to solicitor. Ive sold to a FTB and im not looking to buy somewhere else, infact im temporarily moving back in with parents :eek:…
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Transferring House to Children
I Need Help with the following, Myself and my wife are both 65 years old with no mortgage and would like to know if we can transfer the ownership of our house (worth about 200k ) to our 2 daughters without any tax implications. Also would like to know what the max amount of money you are allowed to gift to someone each…
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anyone ever sold a retirement flat?
do they move extremely slowly or am i just being unlucky?
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what next???
Ive been on the council list for 6 months now as i could seme and my partner deteriating im on 1 housing list as i cant get on any others as there always closed. Its at the point now where i need to go but where to council want me on the streets before they will help and ive been offered nothing from the housing i have 2…
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Why do you need a mortgage broker?
I ask this question since I bought a flat last year without using a mortgage broker, as I didn't see why i needed to pay them commission. I will soon be helping my girlfriend buy a new house and once again, I don't see the need to go through a mortgage broker. Am I missing something here? What do they actually do that you…
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The Leaseholder's 'Right to Manage'
I'd read a bit about it on the Leasehold Advisory Service website here: http://www.lease-advice.org/rtmframe.htm Basically any owners of leasehold flats can take the managing of the building away from the managing agent. It sounds simple in principle but the more your read on, the more daunting it becomes. However, a quick…
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Unruly tenants, where do we as neighbours stand ?
If there's anyone with any knowledge of where we stand with this one, I would greatly appreciate your input. We are a fairly quiet road, on a newly built estate, and for the most part we all get along rather well. However, there is one household that is creating some cause for concern (and more!). The house, it seems, was…
