-
Can anyone give me advice/information on the shared equity scheme?
Hi Myself and my partner are FTB (currently renting). In the last year we have managed to save approx £6000 but to be honest I am getting a bit annoyed at paying off someone else's mortgage when I could be paying my own. (Only good thing is that the house is unfurnished so I have all my own furniture etc) I have heard a…
-
Can I claim Tax relief for white goods as LL?
Hi, Been unable to sell my house, before moving date, so have decided to let unfurnished and was wondering if I can Claim tax Relief against the price of the fridge freezer & washing machine I am going to have to provide, or do I Just claim the 10% wear and tear at end of each year? Thanks :T
-
Can't get deposit back - please advise.
Hi, My partner is having some problems getting his security deposit back on his previous flat and I would appreciate it if anyone had some advice. It's a bit of a saga but I will attempt to keep it as short as possible. He paid the security deposit to the letting agents, T. They were supposed to pay it to the managing…
-
not sure what to do, purchase fallen through
Hi all, I'm hoping just gettign this down in an email will help me, but I'm having a very hard time deciding what to do. We put out house on the market a few months back, and got a buyer within 2 days, very lucky us. The buyer it turns out works with my husband, though we still need to pay estate agents fees as we didn't…
-
If HIPs "in place" - are searches still necessary
I know things have changed re HIPs but my query is, we had one done in January, our purchasers probably had one done too and they are selling to FTBs. The old searches that used to take the time when buying and selling, does this mean that they have already been done and that the whole thing might take a bit less time?
-
Charge on Property
I currently have a mortgaged house in joint names wih my ex husband. I now want to change the house over to myself and my new partner and my ex is in agreement with this. The problem is there is a Charge on the property in his name. Can I or is there any way I can make the changes on the deeds and mortgage to take my ex…
-
Boundary issue on a house I'm buying- fence moved
The house that I am buying, in the Property Sellers Information Form they refer to a fence that was moved by a few inches at the front of the property between the garage and the front hedge along the length of the driveway. The solicitor didn't really have any details. I have visited the property and spoken to the vendor's…
-
FTB - When do you send in a surveyor?
Hi All I am a FTB, and it is a bit of a mine field. My current sutuation is as follows - 1) I have appointed a solicitor (starting searches) 2) Applied for my mortgage (had AIP, waiting to sign first load of forms from advisor) 3) Offer has been accepted The estate agent has told me the buyer wants me to do the survey in…
-
more advice needed please...... HELP!!!
Hello and good afternoon, i currently own a property with a mate and have done for nearly 6 years, the house is now on the market as he wants to sell and my girlfriend is pregnant, the house will not be suitable. i have a bad credit history a ccj and missed mortage payments - due to bad finance control and poor income at…
-
Holding deposit terms and conditions
Hi there - I'm a Canadian abroad here in the UK and in desperate need of advice. I would like to get some more information on my rights in respect of a holding deposit. I agreed to rent a property on 17 June 2010 and my holding deposit of £450 was received by the letting agent on 22 June 2010. No terms and conditions were…
-
Exclusions on surveys ?
Hello all, I am looking to buy a 1930s semi, for cash, and as it is a big lump of money, I want to know the most appropriate survey to buy. As I understand it from what I have read, the report that perhaps 80% of buyers have, is of no use to me, as it is indicating to the mortgage lender, as to whether the house will…
-
Tenancy problem- can i dissolve agreement
Hi everyone this is a bit of a long story i hope someone can help. moved in to 4 bedroom house in october. in november bad weather arrived and the patio door started flooding in arggg. i reported it non stop until around feb. end of feb gets gas bill in for 450 i called provider to set up direct debit, they requested a…
-
Housing Benefit Entitlement
My mother currently lives in a council house with my brother aged 19 and is currently claiming carers allowance for my mum (aged 71) . They would both like to move into my rental property because currently where they live is too far and inconvenient for shopping, visiting family and friends. I live in a separate house with…
-
Survey- Anything to worry about?
So we had home buyer survey done on the house we are buying (its repossessed) and its come back with three problems all marked up as 3rd level problems. Everything else is okay 1. Some water pipes are lead. Suggestion these need replacing. 2. Some slight crack in bricks on external wall suggesting rusting of wall pins 3.…
-
Paying all the insurance - is this fair?
I've recently found a flat I'm very interested in buying but when I've phoned the agent they've told me as there's no management company the buyer is expected to pay the insurance for the entire block of flats! Is this a normal thing to ask? And where would that leave me in terms of ownership - would I be able to charge…
-
Landlords - is it really worth using a letting agent?
We are thinking about buying a flat for letting out. It would be local to us. My question is - is it really worth using a letting agent? From reading this forum, the only benefit I can really see is that they have access to a list of possible tenants. We are quite capable of doing a credit check, getting references and…
-
I can't sell my house...
It amuses me when I hear or read this statement, "I can't sell my house." What they really mean is "I won't sell my house." The statement is usually followed up by a bewildered commentary on how they have done everything right and taken their EA's "professional" advice. I sold my house. In the summer of 2008 my asking…
-
House sale lost because of Estate Agent - any advise please
We put our property on the market in February, we chose a well known estate agent as although more expensive than other quotes they seemed to offer the best service. House sold in 15 days - great, seems our choice was good. Our buyer was a cash buyer who wanted a quick sale, we offered to move out if need be so as not to…
-
How do I search for house in an area?
The title may seem strange but we want to look at houses within 20 miles of Lincoln but not to the North/East. Search on Rightmove and Primelocation produce loads of houses in Hull and Doncaster, not where we want to look. So is there a site that lets me narrow the search area?
-
Whether to let my flat!
Hi, I currently live in a flat and have approx 90% loan to value. I recently inherited 60K and want to use this to buy a larger house for me and my girlfriend to grow into and start a family. My initial intention was to sell the flat and it has been on the market for 6 weeks with one viewing, no offers! It is fairly priced…
