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House buying, renting & selling

Archives for January 2008

HIP- What do i do with it?
Hiya, i received my hip pack today but what am i supposed to do with it? I've paid nearly £400 for a book ive no idea what to do with. No one that had been to view our house has mentioned it, and no one is going to sit there for 10 minutes looking through it at a viewing. Seems just a waste of paper to me
Tenant doesn't report problems...
... with the result that they become worse. Is there any way of holding a tenant to account for, e.g. an unreported pipe leak which has eventually cost much more to rectify than it would have done if reported promptly? I don't consider it fair to tenants to be continually 'inspecting'. I regard that as intrusive and it…
Buying a house with cracks in the wall
I'm a first time buyer and I've been to my second viewing of a property I'm particularly interested in. Getting straight to the point, the house sits above 3 garages (one of which belongs to the property), I've noticed that in the two outer garages there is a 1mm to 2mm crack which runs top to bottom straight through the…
What permission is needed for an extension?
I may be jumping the gun here but was hoping for a bit of info if possible A neighbour is ready to build on the area where his garage was. I have no problems with a similar size garage being built but if any kind of bigger extension were there it would definately block out a lot of light. I suppose i want to know if he…
Which survey?
Hi, As I mentioned in another thread, we have agreed to buy this house (we're actually swapping houses!) - http://www.rightmove.co.uk/viewdetails-7794108.rsp?pa_n=1&tr_t=buy We have just instructed our solicitors to go ahead with the conveyancing process. I'm just trying to think ahead (first time I've personally bought a…
reclaim vat
i am a self-builder who has just completed a barn conversion.the barn used to be for agricultural purposes but is now a residential property.i have spent around £110K converting.can i claim the vat back.if so how much will i get back approx.
Unfair 'administration' fee?
I am a student in Edinburgh staying in a flat of five. We renewed our 12 month lease for next year today. However, we have had to pay an 'administration fee' of 30 pounds per tenant (ie 150 pounds). As we are existing tenants this does not strike me as being fair since it doesn't in any way reflect the amount of…
capital gains tax
still trying to find an answer to this.if i divide my house to form 2 dwellings will i have to pay cgt.i will be keeping 1 as my residence and using the sale of the other to clear the morgage on the 1 i keep.
Mouseholding
I am interested in speaking to anyone who is thinking about 'mouseholding', which basically means that they are thinking about buying a property in an up and coming area to rent it out and then rent for themselves in the area that they want to live in. If this is you, then please get in touch on…
when does building a new house become renovation?
Scenario, A terrace house where you want to knock down the house and build from scratch (to avoid VAT) If you connect with the next door house as it was before, is it technically a "new build"? In the event you did not want to connect and you left 2 butress' (one front and one rear) I suppose you would be liable if any…
Trying to sell my property, estate agents useless!!!!
Hi everyone... My house has been on the market for over 7 months, been trying to sell it through local estate agents and had no luck at all. I found this company a few months back --> Sell my house fast . At first thought it might be a scam, and would offer me way under the asking price, but they came out and made me an…
Survey on apartment- necessary?
Hi all I am in the process of buying a leasehold apartment- they have agreed an offer, we're all gearing up to get the solicitors on the case etc etc. I am currently sorting out the mortgage through a broker. He suggested in my discussion with him that, as the apartment is in a relatively recent conversion- its about 10…
My Girlfriend is trying to buy me ouy... Help Please!!!
Hi any help on the following subject would be apreciated. I split up with my girlfriend a few months back and now the time has finally come to go our seperate ways. We purchased the house in May-06 for £109,500 and a joint 50/50 mortgage and it has been that way ever since in terms of contributuions to the mortgage and…
Avdice for remortgage/joint mortgage
Hi all, Later this year, end of July, my fixed rate mortgage expires. My partner & I currently both own properties & he's placing his on the market in the early spring to move in with myself, we then plan looking for another house to buy jointly. Just looking for any thoughts on what I should do when the current mortgage…
where can you check up on the prices of houses on a road
free of charge? forgot the website address that was recommended. thanks
Question about Repossession?
My friend's House is being repossessed tomorrow; I just wanted some info as to what actually happens on the day, so I could try to help in anyway? Is a way to pay the Bailiffs some money to delay things? Or do they just throw you out there and then? :( Many Thanks
Move or Stay - Help required
Hi, We moved into our 2 bed house 15 months ago. We took out a 100% mortgage and since had the property valued, it has gone up c7%. We are thinking about moving to a 3 bed that can be extended in time that will cost an extra £20-£30k. My question is, should we move now or wait, obviously after fees etc the deposit will not…
Pital Gains Tax
I Own A Big House And Am Looking To Divide It To Make 2 Dwellings.the Question I Have Is Will I Have To Pay Tax If I Sell One Of The Dwellings And Keep The Other?
Joint ownership, what happens when one half dies?
I'm going to be morbid and pessimistic here, but hear me out. I am going to get married in a month's time. My wife to be is a joint owner of a flat along with her father. This was done so she could get a mortgage on the flat at a very high income multiple. Both her and her father's name are on both the deeds and on the…
First time landlord!!No clue!
Hi Due to some family circumstances, we will be moving 150 miles away from where we live now. We decided to let our house for several reasons, one of which, we are tied into a mortgage deal with hheavy penalty redemption charge. Anyway, we had our mortgage lender approval. We have some questions: ** We have contents…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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