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Motgage and bank loan advice needed please
never mind
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Need help with making an offer
Hi, I and my partner are both FTB's with a tight budget and have been looking for a property for a while. We found one that we really liked in a nice area and decided to make an offer on it. It is on the market for £113,500 and we have been told there have been a lot of viewings on the property. Due to changing jobs and…
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Putting up tenants rent
Hi there I am a BTL landlord. I have rented out my 2 bed house in expensive part of the country for best part of 3 years at same rent of £795. Tenant has been great and part of not putting it up was to keep them. However, looking around I am struggling to even find 2 bed flats renting at this amount. Even houses in less…
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Council charges becasue they feel like it?
Hi, I would appreciate some advice if anyone could. Just came home from work and my partner has told me that her dad has just recieved a bill from Newcastle City Council to the sum of £900. Her parents moved house about a month ago and the coucil claim the property is damaged. I know for a fact that he spent hundreds…
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Holiday Restriction
I own a property that has a converted out building with a 10 month holiday restriction.......how easy is it to change to full residential (not very I assume) and how can someone be prevented from living in it full time with a restriction in place...can't really see how they can check up ! I can understand the reasoning…
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How to take equity from house to fund BTL venture ?
I’m looking at ways to finance a second home as a BTL investment and it seems to me my best option will be to take some equity out of my current house. The house is worth £350K with just under £300K of that as equity. How much will I be able to take out of the equity ? Will it matter to the lender that it’s for a BTL…
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Buy before I sell?
Hi everybody, (sorry its long) My kids have grown up and fled the nest. Sad as it is, it does mean that I can finally move away from this area - I moved here when I got married, and then wouldnt take the kids out of school or familiar surroundings just because me and ex were getting a divorce. I tried to sell my house in…
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The powers of estate-agent brokers and a question about HSBC
URGENT I think this is posted on the wrong board, so I've re-posted it on the Mortgages and Endowments board instead. Please ignore this one. Hello, I'd appreciate some advice on a mortgage issue. Similarly to a a few threads earlier, my partner and I were pressurised into seeing an estate agent's in-house mortgage…
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Help! - Putting in RIGHT offer!
Would appreciate any advice or help as i am a first time buyer in serious need of some objective guidance! I have seen a property which has been put on the market at 109 950.It is an old terrace property in very good decorative condition. My first offer was 90k - yes, i know abit cheeky but i thought if you don't ask..!…
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Recommend a good estate agent?
Hi need help! I have bad experiences in the past when moving home and the boss (the wife) want to move. We live in Birmingham, can someone recommend an Estate Agent? :beer:
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Delaying completion after exchange of contracts
We are due to exchange contracts on the house we're selling this week. The buyers have agreed to the exchange date, but asked to delay the completion until November, to tie in with their finances. This was too late for us so we eventually agreed to mid October. How are we fixed if, after exchange, they decide to delay the…
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Bid accepted for flat, but no HIP available ?
Above says it all....
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Urgent help nhbc
We are selling our home which is 3 years old and still under the 10 year NHBC warranty.The problem is we don't have the certificate,we was never sent it and the solicitors who dealt with our buying the property 3 years ago said it may have been sent to another solicitor by mistake. I've phoned the NHBC and given them our…
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which search engine do you use
Which search engine would you look at for houses in scotland. I moved from England to Scotland 5 years ago and used primelocation and rightmove but found out about the sspc after i moved. My argument is that if you live in England you probably do not know about the sspc and would use the other main search engines. My…
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would you sell?
hypothetically speaking... If you were a family in your 30's with 2 children and you needed to move quickly (redundancy and got another job far away) and another house in your street was for sale for the exact same price (exact same layout and space) would you accept an offer like this from a FTB for a quick move? Bare in…
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Urgent help nhbc
We are selling our home which is 3 years old and still under the 10 year NHBC warranty.The problem is we don't have the certificate,we was never sent it and the solicitors who dealt with our buying the property 3 years ago said it may have been sent to another solicitor by mistake. I've phoned the NHBC and given them our…
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Letting my home ,please any advice would be welcome
Well where do i start , I split from my ex a couple of years ago and am divorced but still get hassle I feel like i cant do what i want in my own home.I have to keep in contact because we have a son together , although he still thinks he can tell me what to do because he lived her , nothing whatsoever is in his name. the…
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want to buy an nvestment property to rent out but can't cover rent
OK - our house isn't yet ready to sell but we would like to buy a house in .the area we want to move to now - whilst prices are still reasonable. We would then want to rent this house out until we sell ours and move in. We can get together the 25% deposit that a buy to let mortgage would demand but still don't meet the…
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Mortgage offer not tied to property??
I'm hoping someone can shed light on our vendor's mortgage situation. We are in a small chain (three including us) and have been ready to exchange since end of July. The vendor's purchase fell through and they have moved into rented accomodation. They want to complete on the sale straight away but they intend to transfer…
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Hidden Costs
Hiya, My Boyfriend and I are currently saving to buy a house hopefully early summer next year. We are both saving hard, but i have been trying to look into the hidden costs of buying a house but everywhere i look it tells me differently. We're hoping to get a house for about £70,000-£80,000 as we are lucky that where we…
