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Getting married, moving out, housemate wants to stay in current house... help!
Hi, I am getting married in September and am looking to move into my new property in early August. I am currently living in 3 bedroom house with just one other housemate (i.e. just two people at present). My housemate wishes to stay in the property when I move out and get two new tenants in, but I'm getting confused as to…
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Survey liability question
Hi all. Hopefully a quick one: if you book your (buildings) survey through a mortgage lender during the application process, are you still liable for the costs of the survey if they then turn you down as an applicant? Is there an across-the-board answer to this, or is it a case of 'ask your lender'? (feel like I've been on…
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Buying - at what points do you need to 'physically' go and see people?
Hi all It probably sounds a slightly strange question but the reason for asking is OH and I work different hours/days a lot of the time and need to coordinate holiday/days off etc for any time we need to go somewhere and do any sort of admin and paperwork etc as FTBs. So during the buying process at which points do you…
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Reasonable deductions from a rental deposit
Hi all, We have recently moved house and would like some advice regarding the amounts the landlord would like to deduct from our deposit. To give you some background info, we rented a new build house and were the first ever occupants so the house was as new when we moved in. We stayed for 13mths before moving out. The…
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Being your own solicitor
I seem to remember stumbling across a link somewhere to a book that detailed how to do all the conveyancing during a house sale/purchase but I cannot for the life of me remember who wrote it or what it was called. Is anyone aware of any such book and were you then able to successfully complete the deal as a result ?
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Restrictive covenant question
This may be a stupid question but does: "That every house shall be for the accommodation of one family only" in a restrictive covenant mean that the rooms in the house can not be let separately?
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Advice Wanted
Hello All, I have an appointment to view a house this evening and was wondering if anyone could advise me of the type of things to look out for and what questions to ask? As a first time buyer i'm new to all this - only viewed one property yet! Also - in relation to buying, I have an AiP with the post office, however i…
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Disposable Income
Hi all There are lots of threads about the costs of moving and mortgage payments, plus the costs of bills etc once you've moved in. I am someone who is looking to buy soon and would be interested to know how much people budget to leave themselves as 'disposable income' every month, once they've paid for the mortgage and…
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Confused first time buyer - surveys?
Hi Please Help!!!! I am in the process of applying for a mortgage. The lender charges a valuation fee of £275 or a homebuyers report is £465. Am I OK getting the lender to carry out a homebuyers report or would any findings affect my mortgage application as they would see the report? Surely its cheaper for them to carry…
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Breach of Tennancy and refusal to pay rent?
hi, i was wondering if anyone could help me and my current situation? I am currently a student and spent last year living in private student halls. I initially payed a section of my first semesters installment and wasn't able to pay the whole amount due to this years problems with student loans coming in on time. Shortly…
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Living on my own for the first time.........
After living with my mum all my life I moved in with my boyfriend. We are now splitting up and I need to move out. I don’t see how I will be able to afford living on my own, I don’t have the option of moving back in with my mum. I work fulltime but my job doesn’t pay very well, after tax and nation insurance I’m left with…
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Stamp duty - getting away without paying it
A friend of mine has sold his house and has moved back home last week. He has now put an offer in on another house and believes he wont have to pay stamp duty as he will be classed as a first time buyer. Is this right, as im sure they must know if you have owned a house or not before.
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Anyone know bedford/elstow etc?
warm friendly people
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Buiying House - Radon test has been done.. but report lost????
Hi all as title suggests am in process of buying a house but the problem is that a Radon test has been perfoemd and (supposedly) the report has been lost. My solicitior has asked for a duplicate of the report to be obtained and delivered to them/myself. I am worrying though what the potential rammifications of a failure…
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Test post
asd ignore
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Help....Need somewhere to live
I've been renting a flat from a friend for the last year, however now he needs the flat back. I need to find somewhere to live fast but I've bad credit........in 2 weeks time I'll have nowhere to live and I don't know what to do. I only have a couple of hundred pounds of savings, could possibly borrow another couple of…
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Buying a property - does it matter what's next-door?
I've had a look at a property which turned out to be next door to a funeral directors...would this be a problem for BTL? Would people mind living next door or would it make it hard to rent out?
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advice on legal aspects of selling joint owned property
I'm wondering if someone can help me. I'm a joint tenant with someone whom I don't get along with. I am willing to sell my share to her and she has previously expressed a wish to buy, but offered a price lower than the market value. I got an independent assessment and sent it to her lawyer, again expressing my wilingness…
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Baliffs - Person they're after has done a runner
Any one give me some advice problem is the main tenant i was dealing with when it came to collecting rent. i was informed by him that he was taking a 2weeks holiday back home to germany. as the council tax was in his name. he was getting letters from council for none payments.as far as the other tenants they payed him…
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1st time buyers - Shared equity scheme
Hi, We've been looking at houses and barrats are offering a 25% shared equity scheme meaning that we only have to find a 5% deposit (£5000). We are not really sure what mortgage we will need or how to apply for it. Do we need a special mortgage and will we end up with 70% LTV. Many thanks J and S
