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FTB - advice on when to buy
Hi, I'm currently saving up for a deposit and I'd really appreciate some advice on when people think would be the best time to buy. So, to try and set out my situation clearly: I currently live with my boyfriend who will be a student for the next 3 1/2 years. We rent from family essentially just covering bills plus a bit…
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Leasehold flat question
I'm in the process of buying a 2 bed leasehold flat. The estate agent told me it was a 999 year lease and that only a couple of years had elapsed on it. When the survey came back, it said the remaining time on the lease was only 70 years! My mortgage lender (Yorkshire) will still lend but I am worried. I will contact my…
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shower door panel shattered
not sure if this is the right place, but will give it a go New built flat with en-suite. moved in 3 months back. owner occupied. shower panel is made of see through glass. OH was taking shower today morning and I heard a loud noise of mirror shattering. went in to see OH standing in a pile of shattered mirrors with blood…
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Confused..
I am completely confused and would like your advice/suggestion on the option I am currently a home owner and am looking at part exchanging. Option 1. Exchange with builder 1 but the problem is the catchment area school is not good and I am worried about when it comes to selling I might find it hard because of the school.…
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How to work out what a fair rental price is?
Ok, most of us know ways to work out what "looks like" a fair price in regards to negotiating the purchase of a property... but what about renting? How can we tell if a rental price is fair or not? Admitedly, just like buying, a "letting price" will be what a landlord and a tenant can agree (if a landlord overprices his…
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Part Exchange Stamp duty
We are in a situation where we want to buy a larger house, the seller of the house has marketed via an estate agent but we havnt yet. The seller would be interested in part exchanging with us. Would either of us be liable for stamp duty if all went ahead?
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Would I be mad to buy?
Ok, the facts: - I'm currently living with parents. It's cheap, but I want to move, partly to be closer to work and friends and partly... I just need my own space. - If I pick the house carefully, I have enough savings to buy a 2 bed house nearer work, with a 20 - 25% deposit and a mortgage of about 3.25 times my income.…
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Uneven floors
A house we have viewed and quite like has a rather uneven floor in the hall. I'm not talking lumps and bumps, more of a gradual slope, but you can feel it when you walk from the front of the house to the back. The owner said it has always been like that (they've been there 30 years +). It's an old Victorian semi. Any…
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Mistake in AST contract
I am in a 12 month agreement AST - every thing is fine at the flat, but Ive noticed that a mistake has been made on the end date of the agreement - it reads as follows: The Landlord lets to the Tenant the Premises for a period of 12 Months. Either side can give notice at 10th anniversary to terminate this Agreement at…
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Buy Schemes
Hi Money Expert, A friend of mine recently mentioned that she was offered a scheme to pay a deposit of £4000, to buy haf a home, a mortage repayment was £500 a month, and the govt owned half. Does this offer still apply within review of the recent market changes? Also is there any warnings to difficulties you could face in…
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co-ownership help
in n.ireland we have a scheme called called co-ownership, to help people get on to housing market . im 2years into my IVA(£254per mth) , i would like to know if i was wasting my time applying for this scheme, due to my IVA . im renting at the moment along with my wife and we have no other debts. thankyou
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Is now the time to buy? (good article)
I thought it has some very sage advice - http://www.independent.co.uk/life-style/house-and-home/property/sam-dunn-is-now-the-time-to-buy-1624577.html
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estate agent
Warning . We had our house up with a estate agent for about a year and a bit anyway we have not had one viewing apart from investors. Our houses are four bedroom edwardian Terrace houses so pretty big. Anyway before it went on the market we had lots of people knocking and asking if we wanted to sell which we didnt at the…
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Second Viewings - what to look for
I've looked around 10 potentials and am particularly interested in about 3. I have booked a second viewing on one of them. Not sure why, it seems like the thing to do be cause everyone else does. I looked pretty thoroughly last time, what else should I be looking for? I'm also bringing a friend for their opinion also.…
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Renting my right to buy House?
I exercised my right to buy on my council house and am in my second year of mortgage. I have since met a new partner and I would like to move in with him. Can I rent out my house until I am ready to sell it? Thanks
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I want to rent my home any advice?
Im looking to rent out my home and as all this is new to me any advice would be helpfull. What do i need to do? what will an agent do for me? who covers maintenance what happens if the house isnt rented for some time? Please help if you can
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Advice needed about council tax for student letting
Hi, I have a 5 bedrooms property planning to let only to students and I am (the landlord) not living in the house. Could somebody advice how could the house be categorised as student property (therefore exempted from paying council tax) instead of a House of Multiple Occupancy (which the landlord has to pay the council tax…
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Can an Estate Agent do this regarding a contract?
We put our property on the market with a local agency last year, signed the contract and let it run its 16 week term without a sale or 1 viewing. At the end of contract we decided to change agencies (not so local), gave the 2 weeks written notice etc etc and put the property for sale with the new agency. After no luck,…
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money security during completion
I understand that an individual's personal savings are protected up to £50, 000 per banking group if that bank (or group) gets into financial difficulty. I will soon be buying a house and the money from my savings account will go into my solicitor's account on the day of completion and then forwarded to the seller's…
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EA tie in period question
My brother is selling his house and has a tie in period with his EA of 12 weeks - he has the possibility of selling the house privately - if he has to wait the 10 weeks left of his tie in period and the EA continues to give property viewings, what would happen if anyone was likely to offer the full asking price (ie. it is…
