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Ethics of Mortgage Company "rental fees"
Can you tell me if mortgage company rental fees are legal and if they are, what is a 'reasonable' amount to charge? Myself and my other half came into our relationship with each having our own property. We have decided to get married and, unsurprisingly, I would like to move in with my husband to be and rent out on of our…
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Landlord keeping deposit
Hello everyone, I've looked through the threads and from what I can gather, my Landlord is being a "bleep" which I thought he may be. He is keeping our deposit money and lists the reason as Decorating Blah Blah room at a cost of ** per hour etc Also he has charged us for Lightbulbs!!! (which reading the tenancy agreement…
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Paying off my Mortgage
Im considering paying my mortgage off early and would be grateful for any advice. I have a mortgage outstanding of approximately £53,000 but have savings which are roughly equivalent to pay it off. In addition to early repayment charges by my current lender what other charges should I consider before making a final…
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Can i reclaim Admin and Credit Check Cost
I rent a property with my brother and when we signed up we both hadto pay £30 admin fee and £70 credit check each and also another £30 admin fee each to extend our lease for another 6 months! Is there any chance of relcaiming these fees? Many Thanks,?
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New Sustainable Earthship Home Build Documentary Film
I think these buildings are amazing, a great solution to low cost and energy living. This documentary film was 3 years in the making, covering changing the property laws and helping rebuild after the Tsunami & Katrina. Trailer is now on youtube http://www.youtube.com/watch?v=2KYJ0dsd-x0 Earthship / Michael Reynolds…
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interest only then pay capital?
Hi there, I was speaking to a friend who for the first two years of her motgage is only paying the interest. After that she moves over to normal capital payments. This certainly helps in the beginning when costs such as furniture are required. Is this a common practice and is it easy to set up? Are there any dissadvantages…
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Joint mortgage or Buy to Let
Hi i am a new member. I am currently in a position where I have additional money to spare and am looking at a 2nd property to let out. I currently have a mortgage for my first property with my partner who has been relocated to a different area of the country temporarily. The property i am looking to buy would be local to…
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RE:Exchange in 3 and half weeks is this possible
Hi A bit panicked now, FTB, offer accepted on 10 February and solicitor instructed on the monday following, we filled out home purchase form on Thursday 15 February and mortgage application on same date as had AIP and this should take about 2 weeks, fasttracked and solicitor waiting on this for searches, the property is…
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Got the keys to our rental flat (and rant)
For anyone that's interested ;) Went to Farnham to sign the AST and collect the keys yesterday. Had an appointment at 1pm. Arrived there 10mins early to find that the lady I've been dealing with wasn't there. Was kept waiting 15mins whilst they tried to find the file. The boss saw to us instead and had absolutely no idea…
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conveyancing error solicitor
during a house purchase my solicitor claimed that i agreed over the phone to exchange of contracts(EOC) and end completIon(EC) on same day - i refute this, however, EVEN supposing i did agree over the phone - surely my solicitor should have put all this in writing and something that perhaps i should i signed even " i agree…
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Negotiating a sale
How many times did you have to go back to the vendor with an offer? Our first offer was £122K on a £136K house that has been on the market for 4 months with very little interest and no other offers and requires a lot of plastering work. I know we are supposed to go back in increments of £500-£1K, but surely that would take…
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Mortagage Arrangment Fees!
Hi, Excessive bank charges and claiming them back is getting a lot of publicity at the moment, but I was wondering if anyone had ever tried to claim back fees like mortgage arrangement fees. I've just taken out a mortgage, and while my arrangment fees weren't too high (£299), some of the mortages I looked at were as high…
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Offer accepted, time to instruct solicitor
Hey All I'm excited because my offer has been accepted on a 2 bed maisonette. Its time to instruct a conveyancer, but was wondering what peoples views are on this. I like the idea of a high st Solicitor, probably in the area I'm buying. The EA has pointed me in the direction of 2 local solicitors, but the quotes on a…
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Schedule of Condition
As per previous posts our landlord has given us notice as he is selling the property privately. Looking through our tenancy agreement it says we have to leave the house in the condition we found it. Well when we moved in the paint was all chipped and peeling in the bathroom, we have not done any work to this. Spoke to…
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Become A Landlord???
Age: 32 Live in #200K house with no mortgage Ideally I...... Want to move to #350K house (#2K per month mortgage) Want to rent out current house for #1K per month fully furnished, thus leaving new house with a #1K per month mortgage I have........... #20K in savings (to cover "problems") Shall I sell and move, or rent out…
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land for equestrian use
im looking for around 2 to 3 acres for equestrian use. can anyone suggest good sites to search on? the usual property ones are not really helpful. thanks
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Mortgage Question
Right well I have had conflicting answers regarding this and since we have not even sold our place yet and might not even get this other property I don't want to have to have a mortgage interview just to find out this answer to this little question that I'm sure some of you all seeing all knowing helpful folks on here…
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Should I buy house with possessory title?
I would like to ask for some advice. My partner and I have been going through the process of buying a house and are now ready to sign. However it has now been discovered that the title deeds have been lost and the property having been lived in by the vendor for so long has never been registered. This means the land…
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The property boom
The property in the late 80's very early 90's. Does any remember the exact years when they peaked and then fell drastically. I think it was 89 the very highest peak and the bottom fell out !!! Does anyone remember.
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Thinking of changing estate agents
Have you ever changed estate agents while selling your house? We are really not convinced by our agent and that they are doing enough. Is it worth it, or should we just hang on in there?
