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Preparing to buy a house please
Firstly, I apologise for this question because it strikes me as one thats probably asked regularly but I can't find a thread right now to help :) Situation is,my husband owns a house which is rented. We bought it 7 years ago and in that time, like many, we've seen our wages plumit and can no longer afford the repayment. in…
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Property Information form - disputes
Hello, what are the pitfalls of not declaring on the PIF (TA6) a dispute i have raised with the local council regarding a neighbour? Does a buyer's solicitor do a 'search' for this kind of thing with the council? Many thanks
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How Long Does Residence Need To Be?
My best friend has quite recently moved into her house and hates it! She desperately wants to move but is not sure whether she can move this early. She has done a fair bit of work to the house (it was in a state) and it probably is worth more now though she didn't do it for monetary gain. But will selling this quickly for…
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Internal floor area measurement
Hi, When using the internal floor area for a flat, does it include external closed storage areas/cellars as well as garages, or are those typically excluded. When entering the internal area on Zoopla or other sites for a valuation, what would typically be included or excluded? If there is a 15 sq m shed, or locked storage…
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Use differnt coveyancer for Sale and Purchase?
After just under six months of being on the market, we yesterday accepted a decent offer on our house. :beer: However, we have still not been able to find a property to buy that ticks the majority of our boxes and is in our price range. Thats after 8 months of looking! And in the area we are looking , new properties coming…
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Moving Deposit Money from Ireland to UK
Am not 100% sure which section this should go into but as it's my house deposit I thought I'd start in this section. I have savings in Ireland (in Euros obviously) that I need to transfer to the UK so that I can get on that all important property ladders - it's my 10% deposit. What is the best way for me to do this?…
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someone elses title deeds?
we received a package from our conveyancer yesterday and were surprised to see it contained someone else's title deeds, etc for their house!!!! :eek: it was very interesting as it is an oldish house so there are loads of really old documents and death certificates from previous occupants etc.. i nearly didnt check them and…
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Consent to let?
I've moved away to live with my partner and whilst I have put my flat on the market it hasn’t generated much interest. Its looking likely that I will rent it out instead as I cant afford to have it standing empty. My mortgage is with the Woolwich who I know give consent to let, but only if you are going to move back into…
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first time buyer?????????????????????????
Morning all, looking for the official defination of a first time buyer. We sold our house in October of last year and now looking to re-enter the market. Both my wife and myself have had mortgages but both before we were married (the last house sold was in my name only). Question is, having had no mortgage for nearly 6…
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Renting after Repossession
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Need help with BTL mortgages
Hi I am looking for BTL mortgages but I am having big problems. 1. I am a first time buyer. 2. I earn under £40,000 3. My property value is under £125,000 Because of this I am being excluded lending. I have a 30% deposit which is not a small amount!! And I earn £32K. What can I do? None of the deals on the market make any…
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Quick Question FTB here
Hi, Just a quick question. We've had our offer accepted on the house we've seen, we're ready to instruct the solicitors but are getting confused. What I want to know is where does the surveyor fit into this? Does the surveyor come with the conveyancing fees included from the solicitors? Then obviously the lender sends out…
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Utility bills when renting
HI All Just wondering where most landlords etc stand on this - basically i am going to sign a 6 month tenancy agreement and wondered if i had the choice of Utility providor? For example getting Quidco money for switching to British Gas or Swalec etc etc??? Just wondered what the rules are on that, if its possible or any…
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legally qualifying as a FTB re stamp duty
Some ideas on qualifiying for that all important stamp duty break. The detailed guidelines are here: http://www.hmrc.gov.uk/budget2010/sdlt-qa-tech-1545.pdf 1. If you can manage to secure the mortgage needed on just the salary of the partner who hasn't previously owned, you could then transfer to joint ownership later. 2.…
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Selling house and have a query about survey... need advice urgently
Our house has been on the market since October. Had some interest but not a lot. An offer has been made of 97,500 (asking price of 114,950). Our very bottom limit was 100,000 but i am getting stressed by the process so was thinking of accepting the offer (they have upped it twice from 92,000). My question is: It is a…
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Stamp Duty after Exchange
I'm a first-time buyer, we paid £1560 in stamp duty (1%) 4 weeks ago when we exchanged along with solictor fees etc getting ready for completion. We complete next Thursday (April fools day) 1st April would we be entitled to getting the stamp duty back of the solicitor as there is no stamp duty under 250,000 for first time…
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new stamp duty rules
since the chanceller changed the rules regarding stamp duty on homes for first time buyers for homes under 250000, is anyone aware of the new rules being back dated as i brought my first home back in august and had to pay over 2000 in stamp duty. any information would be very greatful.
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Capital GainsTax issue after watching Homes Under the Hammer
On a recent programme of Homes Under the Hammer a lady was buying property (in need of total refurbishment), moving in and doing it up. The, seemingly getting bored of it and selling and moving into a different property and doing the same. If its her main residence then she wouldnt be liable to pay any tax would she?…
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Advice re new house purchase and assisted move
We have seen a new build we'd like to buy. the housing development have offered assisted move on our property. The new house will be held for 4 weeks whilst we find a buyer and then the property will be reserved for us. The HD sent round 3 agents and we were happy with their valuations, however the agents were all from a…
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Landlords do your research BEFORE your tenant moves in
Medical professional tenant turned out to be heroin addict: landlords do your homework http://wp.me/pCIxO-1d
