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Help! House is "Offers over" and we don't know what to offer!
Hi everyone I'm very new both to the forum and to the whole house-buying process - my husband and I are thinking of making an offer on a place we have found that is on the market for "offers over £169500". Looking on the usual websites the last sale was in December and the house sold for £160,000... We're not sure what…
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Survey - "some subsidence issues"
I've just spoken to my surveyor who has been to do a homebuyer's report on the house I am hoping to buy. He says it is basically OK but has "some subsidence issues". a) There is evidence of movement of the whole house, but this has been attributed to some large trees that were growing too close to the house. They were cut…
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Tenants Insurance
Shortly going to move into a rental flat but have been told by the agency we must have 'Tenants Insurance' in place before we can move in. From the stuff they sent through this basically sounds like a combination of contents insurance and cover against damaging any of the landlord's property. I'd never heard of this before…
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Santander withrawed mortgage offer completion is today
Hi, my boyfriend is boying a flat, asked for a loan at Santander, there were no problems. Offer made, contracts exchanged, confirmed release of funds last week. Monday our solicitor gets a fax they have withdrawed the offer because they need extra documents (which were not asked in the first place!). We gave them…
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New Build buying advice - especially haggling...
There's some really useful info on this site - thanks to all the contributers so far. Here's my situation. My girlfriend and I are really interested in buying a property - a new build - list price is circa £185,000, according to the agent, and has also been marketed £195,000 online. The property is in Scotland in the…
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Indemnity Policy needed??
Am in the process of buying a house which has about 3 acres of land, however a small piece is only held with possessory title and there are a few years to go before it can become absolute. We obviously need an indemnity policy to cover for the loss of value should someone claim better title to it. The snag is the piece of…
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So Close Now....
After nearly a year of waiting it is almost time for me to move into the first property I have purchased. A nice new build that as of tomorrow will be "Build Complete" Hoping to get everything sorted so that I am moving in next week. What is the procedure when the builders hit the Build Complete stage? I presume the…
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Must a solicitor be local?
I'm buying a property in London but work in Hertford, I know people say that you should use a solicitor local to the area you're buying in but if I had a London solicitor I'd never be able to actually go in to their offices as I work in Hertford, but a solicitor in the town I work in I could drop in to any day of the week…
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good areas in Tunbridge Wells to live
Does anyone know what high broom area, Rusthall area's are like and what is the best part of tunbridge wells to live? Thanks
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Estate Agents
How come the biggest purchase anyone makes in their lives isn't regulated? Why aren't estate agents regulated? They control the market by still over-inflating property prices which is geared simply so that they earn more money. Estate agents commission is based on the price you put a property on the market for, not what is…
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How do Government justifiy Stamp Duty?
One thing I'd really like an answer to from any party is "What is stamp duty for". Council tax we pay because I accept certain public services need to be paid for, but I'd love to hear how any politician can justify the reason for us paying stamp duty. We don't get anything for it. It's simply a case of "So you've work…
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Mortgage and 'bad' candidate
I was having a look through some threads in the Loans section, in particular this one - http://forums.moneysavingexpert.com/showthread.html?t=2404745 According to this list by Conrad, I am an exceptionally bad candidate :eek: 'statistically' speaking. I have never checked my score but have NO reason to think it would be…
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Are bigger chain EA's better?
If it's just about who calls after seeing it on 'right move' then does it matter who you go with? Or is it about who has a long contacts list of potential viewers? Although I'm thinking of taking mine off the market and renting out, I'm just curious as to what differentiates agents - are bigger agents better?> Would you…
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Selling a house in negative equity. Advice NEEDED!
I need some advice on a house of mine that is due to go on the market but will no doubt sell for less then whats left on the mortgage. Me and my husband are currently going through a divorce at the moment and he is living in the marital home whlist I am living elsewhere. We both just want rid of the house. It has been…
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Mortgage Help!
Can someone help me! My partner has a house that is currently on the Market. He has tenants living in there at present although it's not a buy to let mortgage. His lender knows it's rented out. The rent more than covers the mortgage. We have found a house we want to buy and our offer has been accepted. The vendors want a…
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Rent increase by text?
I renewed my AST at the end of January this year for another 6 months to take me through to the end of July, at the same rent as the previous 12 months, £750pcm. I have received a text from my LL today which reads: "Hi, will you be staying or leaving. The rent has gone up to £850pcm for the next 12 months. Let me know…
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White Goods Pack for Rental Property
Hi. Just bought our first investment property. Before we let it out we need to get the kitchen white goods; cooker, fridge/freezer and washing machine. Any moneysaving tips on purchasing these for rental properties and can anyone recommend any good sources. THanks Humayun
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Being misled by conveyancer
I completed on my house few months ago. There is an additional small piece of land in the back garden which is not registered. Previous sellers have lived there for 3 yrs and signed a statement of truth. The conveyancer told me the land registry's fee to lodge this application and registration is £50 which I paid in…
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Buying a developers px
Looking to purchase my 2nd home and seen a property on at £135K. Viewed the property and loved it. Its on at 135k with a double extension but next door is on at 125k with a single extension (one less bedroom) and in need of total refurbishment, but the one I like you can move straight into. The developer has taken this…
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Submitting a written Offer
Have heard talk about doing this on here but not too sure how it works. Can anyone explain? We thought you just write it out like a letter and send one copy to the EA and another to the vendor? We wanted to put our offer in writing as we can only match what another buyer has offered- but the reason we can only match it is…
