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Life insurance and critical illness cover... fair price?
Hi All, Just about (hopefully) to exchange on our 1st home today, and while discussing the costs etc with a work colleauge this morning, we got onto the subject of the cost of insurances - and I told her my life / critical illness cover will cost around £120 per month for my partner and myself (around £60 per month each).…
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Mortage Offer but have to change jobs???
Hi We have just started the process of moving house. We accepted an offer on our place Monday, have instructed solicitors and about to put our deposit on the New Build home we want to buy. Spoke to Abbey yesterday re the mortgage, (we are existing customers and want to carry across our exisitng borrowing as its on a good…
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It's a buyers market - meaning what ?
Ok I understand that the market is slow and that prices are dropping and that it is a "buyers" market - but how does that affect me as a seller ? Presumably we sell ours for less but then the next one will be less ? We have been sensible and put ours up for 15K less than the valuations but what about the non-sensible…
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who gets the house after relationship break up? i want to keep house
not sure if this is correct forum but i really need some advice. I bought a house 1 yr ago with my partner. we're not getting on and we are going to break up. we both say we want to stay in house and pay the mortgage ourselves. the house price has went up about 80,000 in the last year.thats mainly why neither of us want to…
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Conyeancing Warehouse - is this correct?
Hi All I have just had a bit of a disagreement with Conveayncing Warehouse today. They still have not started my searches since i instrcuted them from thes tart of July 2007. So i questioned that and they said they dio not start doing so until the contract paperwork has come through is this correct? Another issue is that i…
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Just a quick question
A builder has estimated £1200/£1400 for the cost of repairs to the roof/wall of my proposed purchase. The vendor has offered to pay £700 towards the cost. Is this a reasonable offer?
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Make the move or keep saving...?
Well here I am, my first post. Hi everybody. I'm sure this has been asked several times or at least might help others in similar situation. My stats are: 24years old Single (though looking to get married next year) Living with parents in North Manchester Working full time in Liverpool (£24K) Don't pay any rent:j But do pay…
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Spanish Deeds - Can I get a Replacement?
I put away my Spanish Deeds but can now not find them. I really need them again for tax purposes on the letting of this property, as is now required and obviously I also need them for the future. I am panicing somewhat as I was holding them on behalf of my friend also who has half share in this property. Does anyone know…
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Survey results
Hi there, Just received the homebuyers survey results on the two bed maisonette we buying. Basically it says everything looks satisfactory, except perhaps the gutter and downpipes may need to be replaced as they are worse for wear and contain asbestos. Now obviously to replace these would require specialist asbestos…
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unadopted council road?
We are ftb and have just seen a house we are interested in but have been told the road is unadopted by the local council. The house has been on the market for 10 months and the estate agent has informed us there have been 3 offers on the house, but all fell through due to the solicitor warning them off due to the roads.…
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sign contracts tomorrow - what does that mean ?
we have to sign contracts tomorrow - what does that mean ?? how soon can we exchange then ? there is only one house in the chain we are FTB the seller moving to rented - they are ready to move when we are, also someone mentioned here that they have 100% mortgage like us - they have been asked for a deposit - why? thanks B x
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Catch 22 with council over council tax banding
6 months ago, maybe more, rang up Council to try to dispute our flat's CT banding. I was told not possible as the flat has not been correctly numbered, in that the developer in about 2000 was told not to give these flats letters (A, B etc), but to stick to numbers. Developer ignored Council and gave them all letters. This…
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Reason sellers were moving and noisy neighbours - update
We've been iin our house for a couple of months and have been having problems with our neighbours. When we looked around the house the second time, we asked what the neighbours were like. The sellers told us that they had had a couple of problems with the next door neighbours (it's an end of terrace) - mainly loud music.…
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Underpinning?
We've recently had an offer accepted on a house but were unaware until after the offer was accepted that it had been underpinned 12 yrs ago (not by current owners). We're happy with the price that was accepted / valuation compared to other properties but are concerned about what to do next to safeguard against further…
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Letting a flat with a mortgage
Hi I have brought a new house with my boyfriend and it has completed really quickly - we move in, in two weeks. I have my own flat which i brought last April so i decided to let it, i put it in the hand of the estate agent on Saturday and checks depending have rented it all ready. Now here's my problem, when i originally…
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right of access
If others have been using your land for 20+ years for example to do a 3 point turn and then drive out again. Can you just put a gate accross? If you do can they take a class action case against you and who will win. Lets assume there has been no application to the land registry for a right of way to be granted. If they…
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Shared Ownership - one wants to sell??
My question is: If a property is owned by 2 people (buy to let), only 1 pays the mortgage and other associated bills. How do you resolve the problem of the second person not wanting to sell and not being able to take on the mortgage them self, and the first not being able to continue to pay the mortgage and wanting to…
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'For sale' & 'To let' boards - can I remove them?
Hi, There are about half a dozen 'For sale' & 'To let' boards outside my block of flats (privately owned) and these signs fixed to the railings outside look unsightly. The terms of head-lease say boards can't be put up at all, but I can't ring every estate agent to ask each take down their respective board. Can I remove…
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Soon selling - install new bathroom or not???
Ok, here's the dilema. Due to a new job abroad, we are putting our house on the market in September. We've been in less than a year and have spent time redecorating and changing things around a bit and generally the place looks great (though I would say that ;) ) However, we have not really touched the bathroom. House is…
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FTB, large deposit-effects of crash?
Duplicate-ignore please!
