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Self Cert Brokers Fined
I wonder if this is just the beginning? A MORTGAGE company based in Bexleyheath has been publicly censured by the Financial Services Authority (FSA) and two of its directors fined. The FSA found Abbey Mortgage Ltd directors William Evans and Gary Howes had failed to check whether the information provided to them by…
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Renting without paperwork?
Hi there, In June last year my boyfriend and his friends rented a house privatley. The only thing the landlord gave them was a napkin with his bank details and phone number on! He said he didn't want a deposit and didn't do an inventory check apart from to say he knew about a leaking pipe inside the living room…
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help lodger deposit..
Help.. My landlady (I’m lodging with her and her husband – he is fine!) has started leaving me passive aggressive notes (having a few issues with her in the last few weeks) I’ve started looking around elsewhere for different accommodation and have possibly found somewhere (viewing next week). I need to give a months notice…
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What's happening to rents?
I'm renting at the moment, but hoping to buy in the next couple of years. I've just started watching the market for houses to buy in the town where I live. I wasn't really thinking of moving to another rented property, but this evening I thought I might just take a look at what's out there and how my rent (unchanged in 3…
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Renting with Agent - Can I go without credit checking me, and straight to Guarentor?
I have recently agreed verbally to let a Property with 3 friends. The LA's forms state a series of criteria that mean we will each need a Guarentor. The credit check on each of us is £96. And Guarentor is £26. Seeing as we will all fail the credit checks for various reasons, within the law, can we just skip that and go…
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Are first time buyers going to benefit?????
Ive been looking at the house prices by me and a lot of the expensive properties have dropped a fair bit, but its still only about 10%. Now the average joint earnings are about 30,000 pounds, and ive worked out if you are earning that and you have a 12,000 pound deposit you can borrow for a house about £123,000. Now i have…
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Sound Fundimentals?
Remember Mr Darling? The U.K is in strong position to weather the global downturn. 1) low interest rates, 2) low unemployment, 3) SOUND FUNDAMENTALS. The Governor of the BOE said yesterday that at the beginning of October the banking system in the U.K came close to collapse. Who do you believe Mr King or Mr Darling?…
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Financial Gift to buy a house - Who pays what Tax?
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Difference between semi and detached and part exchange?
Hello all - would be really grateful for your views/comments. What do you think the difference in price should be between two comparable properties in terms of internal size, the only difference being that one is detached and has a bigger garden, and the other is a semi-detached (both reasonable areas)? Also, can anyone…
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When is a rental a buy to let?
what are the rules re mortgages when renting out your main residence? If you decide to rent out your house for a year or 2 but not as long term let do you need to change to a buy to let mortgage?
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dodgy tennancy agreement? advice please
can anyone please give me some advice regarding my tennancy agreement? firstly is my agreement legal?? my partner recently lost his job and we have had to apply for housing benefit. when we showed our tennancy agreement to the council they seemed to think it wasnt right. this is because, when we first began renting our…
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My landlord wants ro raise the rent
Hi there, I have been living in a private rented flat for 1 and half years. After my first year's tenancy agreement ended, I and landlord VERBALLY agreed to extent the contract. Considering my first Tenancy agreement was for 1-year, I took it for granted (as agreed verbally with landlord) that the following verbal…
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is it a good time to buy my council house?
I need some advice, I would like to know if it is a good time to buy my council house. I am getting mixed information but im told that the value of the council house will drop and if i waited i would save money, can anyone give me some good advice?
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Permission to Let
I've just been into the Halifax today to fill in a permission to let form. They have informed me that I may be forced to change my mortgage at my cost to a buy-to-let mortgage... the ins and outs are below, does anyone know information about permission to lets they could let me know before I speak to Halifax on Friday?…
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Cheltenham & Gloucester mortgage
We've agreed an offer on our house, our purchaser put an application in for a porting mortgage to the C&G. They took 3 weeks to instruct the survey. But, for some reason they are really stalling on the offer (it's been 4 weeks now since the survey was done), they seem to be just `sitting' on it. His lending credentials are…
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Shared Ownership-Heating Problem
:cool:I own a 50% share in a housing authority property, and my central heating is not working, although the hot water is fine. I was wondering whether the housing association would be liable for at least half the cost of getting this sorted out, as they do own half of the property?? Or am I going to have to sort this one…
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Giving tenant back his deposit with DPS
Hi guys, I'm trying to give back a (full) deposit to a tenant who has just moved out. This was the first tenant we've had where we had to use DPS. The problem is it requires his RepaymentID. I didn't even know he had one (or even that one was needed to give him back his money)... the problem is he has left the country for…
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Council Houses
Hello does anyone know how long it can be before you can buy your house? and do they have to offer it to you or can you ask to buy it? Thanx
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Council Tax Banding
Hi ..after reading about this some while ago on here i challenged the local council on my tax banding,,i considered it to be too high, and i was expecting it to be in the band lower.On top of this council tax i also pay 90.00 per month management fee,but this isnt the main reason why i am querying(sp) it,which covers our…
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tenancy agreement contract renewal fees
our letting agent/landlord (same company although they like to say they are separate) likes us to have 6 month tenancy agreements and then charges for a new agreement every 6 months, basically £60 for a letter i paid this 6 months ago as i was half way through the final year of a degree, and being kicked out would have…
