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Dodgy Landlord help - getting deposit back!
We're hoping to move soon but we're worried our landlords won't give us our full deposit back, as they're quiet dodgy. To give you an idea, we rent through an estate agents so have no direct contact with the landlord, just them. We moved in noveber, about a month later a lad moved in the flat beneath us. For about 2 months…
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FTB advice needed
Hello, Ok heres the story... my offer was accepted on a property a couple of weeks ago, the solicitor has finished searches, the house has been valued and the mortgage offer has just been sent to me and our solicitor. Im a FTB so i dont really know what happens next or how long it takes. Im currently renting a house and i…
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Tips to speed up purchase?
Hi, im new to the forum so please forgive me if this subject has been covered before! Right here's my story... I'm a first time buyer purchasing a house with my girlfriend. We have found a property we like and have had an offer below the asking price accepted yesterday. We immediately spoke to the co-op and applied for…
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Buying retirement flat, to rent out - advice please! (housing benefit rules)
Thanks in advance for reading - I hope this thread will prove useful for others who may be in a similar situation... My brother-in-law's wife's grandma's retirement flat is about to be sold out from underneath her and we* are in a position to buy the leasehold cash. (*my wife and I, my parents-in-law, and my father)…
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Deposit Protection
My old landlord is taking my partner to court (funny hes not taking me as I was the lead tenant but hey ho) for unpaid utilities bills. He was having a disagreement regarding with the provider and we where unable to pay it. we have proof of all this from the provider. Hes saying hes never had our contact details so his…
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Do Both People's Name's Have To Be On The Deeds On A Joint Mortgage?
Me and my GF are trying to buy my mother's house that she has rented for years, (me and my mother are on the title deeds), but only me and my GF are applying for the mortgage. Do both of us have to be on the deeds or will it be good enough that just I am? Cheers
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Ending a tenancy.
Hi all, I have a problem I hope someone can help me with. I recently split with my partner and she has moved out. I am still resident in the rental property with my 3 children. The problem I/we are having is the letting agent is saying that I cannot get the lease in my name, which I do not want, because of unemployment,…
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Is "cashback" legal???
My EA said that if we cant sell the property he could put it on as £55k with £2k cash back. He says this works by the buyer getting 55k from the mortgage company, but only paying us 53K, allowing them to keep the 2K left over. I thought it sounded like a great idea till i thought, wouldnt the bank be unhappy with that! or…
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Selling without estate agent
Hi There This week we put our flat up for sale with an estate agent. We have paid approx £400 for the home report and approx £400 to the estate agent. However today we were approached by a neighbour who is interested in buying. He said that does not plan to deal with our estate agent and suggested to us that we dont…
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Transfer of equity can tak upt to 6 months!!!
Hi Everyone, I just spoke to The Chesire (part of nationwide now) about transfering the mortgage from joint to just my wifes name and I was told this can take upto 6 months!! Is it me or does that seem a awfully long time to transfer equity, I am sure when I bought the house it took about 2-3 months from start to finish.…
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Acting as Guarantor
My 21 year old son is off to do a post-graduate course and renting a flat with his girlfriend. Very nice - but what's with all this "Guarantor Agreement" I'm supposed to have to sign? I appreciate I'm probably way behind the pace on this, but in my day if people wanted to rent out flats to young people/students then they…
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149k asking price, what would you offer...
Its a 3 bed house that has now been made into a 4 bed - 2 rooms are v.small. We would take the stud walls down to make it a better 3 bed. Next door recently sold for £125k. It has been gutted and needed heating etc. We know they need to sell and fast ish. And, the estate agent told me earlier they would defo accept an…
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can i claim for these expenses?
Hi, please could someone let me know if i can claim for these items as expenses when renting out a furnished house - i have the receipts. new carpets new rollerblind spare keys burglar alarm wear and tear 10% also i spent a couple of weeks decorating - is this something to factor in? I'm not sure if it is one or the other…
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Are we expected to decorate?
We are moving out of our rented flat next week. We're in the process of going through the inventory to make sure that everything is where it was when we moved in to save any confusion. However, in all rooms the decor is described as "fresh". The walls are all painted, however, they certainly weren't freshly decorated when…
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How not to sell a house....
A house we viewed in summer '09: On at £275k when we viewed, and had been on the market a number of months. We felt it was worth no more than £240k and the vendor wanted asking price. It went off the market a while later, and then came back on at £285k. Just had a nose, and it's now on at offers in excess of £290k (with a…
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Would this seem odd?
Im (hopefully!) going to be exchanging contracts on my first home soon. My Dad has said to me I should ask the seller if it would be ok for us to pop round after contracts are exchanged, just for him to show me how the heating/hot water system works. Also he's leaving the kitchen appliances so how they work if he hasnt got…
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FTB - Come and talk to me about fees!
House price is £149k, we are confident an offer of £139k will be accepted. What fees do we need to factor in? Our mortgage will be for £135k. Thanks.
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First Time Buyer - Low Cost housing scheme?
Hi All, I'm currently looking at buying a property near to where I currently live. As I'm a first time buyer, the properties are available for two different schemes the Governments Home Buy direct and a low-cost scheme. The low cost scheme means that the property price (for example) is £100,000 and only pay 80% of that, so…
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Ways to improve house selling?
We are selling our house and I must have aged 20 years in the past 3 months. This made me think there must be ways to improve the whole sorry process. I have 2 ideas. I am sure others have better. 1. Make both the seller and buyer put down a deposit as soon as the offer is accepted. Say £1,000 or maybe £5,000. This would…
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:d i've exchanggggged!
Sorry, bit excited! Offer accepted 31 May, exchange today, completion 06 August :D :D:D Thank God it's nearly over- I'm not moving again until I absolutely need to! :p
