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Buying advice please?
We've viewed 4 properties this week, got another 2 to view later today (then thats it for 4 bed semis/detached in our area and price range). The first house we viewed I've fallen in love with, but DH said we have to view all houses before he'll consider putting an offer in - which is sensible. Unfortunately the house I'd…
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HBOS Affordability and Mortgage percentage
According to HBOS, the Mortgage affordability factor is now on average 4.62, with the mortgage - earnings percentage on average 22.91% Long term averages are 4.01 and 19.57% http://www.hbosplc.com/economy/includes/15_01_09Affordability.xls
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HBOS Affordability and Nortgage percentage
Ignore thread, double post sorry
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To sell or not to sell
Hi, I bought my one bedroom flat November 2007 for £87,000 and have just moved in with my boyfriend. I am now unsure what to do with the flat...i put £9000 at time of purchase and have looked into renting the flat out...as i dont have 15% equity i am not alowed to do it. so now i am in a dilemma do i keep the flat and keep…
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buying house?
hope you dont mind but if you get a morgage then after a short peroid you get a loan securied on the house and you default-1)who owns the home 2)if the secruried loan people take possession then do you still owe the morgage peeple who really owns the house .morgage or secruried loan people sorry about spelling and if you…
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homes under the hammer??
Ive noticed now they are going to auctions for houses being auctioned in june 2008, but the format of the programme, they show you the house, then the auction happens, then they go around with whoever has won the auction, and find out what they are going to do with it. Then they go back in 4 or 6 months to see whats…
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House "deeds"
Hi, My mother bought the house she lives in last year - previously she rented it It would seem that she doesn't have a deed or other document stating that she owns the house - I asked her about this and she said the solicitor said that the deed would be kept by the 'registry'(not sure which registry :confused: ) Can…
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Cash Buyer - cannot find a property
A family friend of mine was lucky enough to get a sizeable chunk of money from the sale of some land overseas. They have been looking to upsize and get a better catchment area for their son schoolwise. They are looking around the outskirts of Brentwood i.e Blackmore, Kelveden Hatch, Navestock etc. They are cash buyers…
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Having an issue with new tennancy.
My friend has been living with us for the past few weeks whilst he gets a rented property sorted out. He went this morning to sign the contract and hand over fees. He should be going tomorrow to pick up the keys and do the inventory. He noticed tonight that the Window to the property has been broken. Now I know this is no…
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When do I need to complete on new house?
Evening all, I'm a first time buyer- just with a quick question about who decides/how to decide completion dates on my new house. The whole searches/survey/mortgage process has been amazingly quick (even the conveyancer commented that this particular sale has flown through). The seller wants to complete at the end of…
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Landlords beware demand for overpayment of rent 3 years ago
Hi Just wanted to share this with unsuspecting landlords. 4- 5 years ago my tenants rent was paid direct to me as her landlady. Just received bill from council for £3000.00 for their overpayment to me for her rent . Have spoken to the council and of course my tenant the outcome is that the debt is now in fact my…
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Government Ownhome Scheme
Hello all. I'm currently on the waiting list for a callback regarding this scheme (called start of december and I have been told it will be the end of January at the earliest) and I have looked at a lot of threads (for and against) on this forum. I'd be interested to hear from anyone in the East Midlands who has been…
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First Time Buyer .... with defaults...Any Advise?
Hi guys I'm new to this so..sorry if this in the wrong place..! I need some advice really, I have a few defaults on a three credit cards and a store card - these are about 5 years old they are settled. However my boyfriend has a good credit history. We have a deposit of a 20K and I'm really worried that we wont be able to…
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Speculative viewings (sort of)
Hi all, Don't post on here much (mainly because OH is always hogging the computer!) but enjoy reading other posts. Anyway, myself and my boyfriend are currently renting a flat in London, we have a deposit sitting in a savings account (not earning as much as it was!) ready to buy when the time/price/property is right. It's…
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HMO - help needed
Hi, I would appreciate some legal advice. I live in what is classified as House in Multiple occupation (I have phoned council today). The property is a two storey flat and there is six people living inside (all unrelated to each other, moved in at different times, separate tenancy agreements, separate room keys). We are…
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hi need to
need to track someone down only have A PO BOX NUMBER,how do i do it for free pls....
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First time buyer with no deposit!!
Hello, I'm looking for some much needed advice. First quick question - are there any current 100% mortgages available on the market at the moment? I'm a key worker - with no deposit and am really keen to get on the property ladder. I was looking into a scheme where i'd have got a 25% mortgage and the other 75% on a rental…
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help - flatshare with a psycho
I've been sharing a flat with a guy who has been showing some extremely bizarre behaviour. For example he turns the heating off or turns it right down so that myself and the other flatmate are freezing in the morning then denies it, puts his washing in with mine and nicks my cutlery. In addition I went away at Christmas…
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Should I move now............?
Hello. Ok, quite a simple question, but with a minefield of answers!! Here goes, We have been thinking of moving for some time, but other things have got in the way, now the blooming credit crunch/house price fiasco is potentially clouding our judgements. We live in the North West of England, We had our house valued this…
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Polite request to buyers
Hi there We had a viewing last Sunday - its our 9th since going on the market in Aug 08. They seemed genuinely interested - asked lots of relevant questions and stayed for half an hour. They told us they are first time buyers, keen to buy now as they are still living with parents and are keen to set up home together (aww,…
