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Help think I've made a mistake on which mortgage to get!
Hi all, having abit of a panic. We are FTB's my husband is leaving the RAF on april 16th with a nice lump sum and pension. We have found a house, mortgage in place, surveys and searches complete. We are using his most of his lump sum for our deposit £45000. Now my problem arising now is we cannot pin the MOD down to a date…
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Who will carry out the Energy Certificates?
In only 3 months time, Energy Performance Certificates (EPC) will become mandatory for every property coming to the market. I’ve not met anyone who is yet qualified to carry these out. The implications of this could be disastrous with sellers having to wait weeks or dare I say months before someone can be commissioned to…
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Advice Needed - Bids
Any advice offered will be appreciated... I am in the position of a first time buyer. Sold my existing House, at the moment living with parents but working abroad during the week. I need to relocate near my son.... I am very flexiable, as long as the house is fairly new I am not bothered where as long as it is in a 10 mile…
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Leaky roof in rented house
Hi, any advice on my problem would be greatly appreciated.Sorry it's a bit long! About September last year we noticed a small leak in our garage ceiling which was starting to turn the ceiling mouldy so contacted our letting agents who sent out some plumbers. They went back to our agents and told them a roofer needed to…
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Mortgage valuations?
About to buy a flat in edinburgh at the moment however I would like clarification on a few matters first. whats the deal with the mortgage valuation? say for example I want to buy a property which is offers over 87000 but the going rate for this property is around 110000 are the mortgage people likely to value the property…
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Advise Please: Should we rent while waiting?
Ok, Heres the situation. We had our property on the market for one week and had an offer at the asking price. The buyers are very keen to get on with this ( as they are due to get married in June) and would like things to be sorted by end of April/ beg May. We haven't found anything to buy and unlikely to find something…
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deposit off buyer
Just had 2 offers on my house at asking price.The guy who is in the strongest position to proceed.Has asked that we accept no further viewings etc.He has only just had an offer accepted on his own property ,but seems to think he can call the shots. We are in no rush to sell and there is no upward chain.Am I within my…
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Would love a second home,how to fund?
Advice required please although I realise this may be an impossibility I would love to buy a second property ( in another city) to use now for breaks and then move into when we retire (maximum 10 years) The house I would like to buy costs around £215000 We live in a house valued at £200000 with a mortgage of around £85000…
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Help with getting deposite back.
need a bit of advise for my mate: "Basically I am living with 2 other girls and one of the girl's parents own the flat. We are all in different years ie i am 2nd yr medicine, the other girl 3rd year biochem and the one who owns the flat is 4th year medicine. Anyways just last night i found out the parents are gonna redo…
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Inside Track
eeeeeeeeeeeeeek
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bidding war for property, is agent playing games?
Just got off the phone with (EA) Estate agent regarding property I have bid for (there are other interested parties). The convo went like this EA - “Oh hello Mr x, I just wanted to phone to confirm that the best and final offer you made was Y+V (Y= my offer; V = extra amount (in this case quite small)” Me – “Er no, I bid…
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Property in Consett, Co Durham
Hi can anyone recommend good areas in Consett? is Delves alright? thanks
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What happens next?
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Charging order
I am in the process of buying a flat, and our solicitor has discovered there are charging orders against the property. We are currently awaiting confirmation from the vendor's solicitor that the funds from the sale will cover the debts, but has anyone been through this process, and are there likely to be any delays linked…
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put an offer on for the loft conversion .. Accepted
Got the offer accepted on a loft conversion flat at poundbury , for 162500, got accepted. My question ... (originally on market for 167) , Am I doing right thing . Would you pay this much for a property in a good location . Last few sales have been above 180k + but they were not loft conversions. Also the building is only…
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Negotiating on New Build
Hi Everyone I'm new here. Just after a bit of experience/knowledge/advice. I've seen a 4 bed detached new build by a reasonably large builder in Yorkshire. The house is also complete - roof is on - I think it could be ready for completion in a couple of weeks. I've sold to an FTB and am ready to go in a matter of weeks.…
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Which offer to accept?
We put our house on the market 2 weeks ago at "offers in excess of" £90k. We've asked for best and final offers to be in by 12pm tomorrow, but currently we have 6 offers between 100k and 103k. We then have another offer that was originally at 105k, then was upped to 110k without prompting. This person has a 15% deposit and…
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Building regs for structural alteration
Hi, hope someone can give some advice. House we have put offer on has had a chimney breast removed in the downstairs lounge. when we went to do the 2nd viewing, the vendor said "oh not to worry it was a builder they know who did the work and when pushed said oh yes he put some steelwork in there." So while a little…
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Wimpey no-fines houses - any experiences?
Morning All, Just wondering if anyone has any experience of getting mortgages on, and/or living in a wimpey no-fines construction home? It's a long story, but my wife and I have found the house of our dreams. Our sale is going through nicely and so was our purchase - until now. The valuation and our HBR was done last week…
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Buying Housemate out of Mortgage Help Needed
Hi All I need some advice on behalf of my sister-in-law. She bought a house with a friend 2.5 years ago. They bought with 100% interest only mortgage with separate endowments The friend has got herself into financial trouble with her business and currently owes over £26,000 (though she has only admitted to owing £8000 to…
