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House buying, renting & selling

Archives for December 2010

Problems with my penthouse
I have a problem with my Penthouse... Respect https://www.bitterwallet.com
Would you buy a house with no central heating?
Firstly, happy new year to all posters :beer: Secondly, as the title suggests, would you consider buying ahouse with no central heating? We've seen a lovely little house that ticks all our boxes; great location, good price etc. The only thing is that the only source of heating is a wood burning stove in the front room.…
tax return for rental income - less than personal allowance
We purchased a property last year without mortgage in my OH name. Funds were from estate following the sale of the parents property. This property is now rented with an income of less than £6k. Am I correct in assuming that I need to complete a SA form for her? or is this not required as income is less than the personal…
Moving out on a low budget
I'm looking to move out of my parent's home soon, but despite being employed full time, in a reasonable job, I can't even make my wages afford a one bedroomed flat! after tax, I earn around £775 a month. Recently, I did a budget and living at home, my basic outgoings are around £320/month. I don't own a car, my primary…
Asking for a decrease in Rent
Hi guys, Has anybody tried and succeeded with this? I'm currently paying a reasonable amount of rent for a property and I want to squeeze a reduction. My main argument will be that although the flat is in a good area , that there is a certain unease about the area and I don't think I should pay as much until the issues are…
A Gypsies warning to all those landlords that enter rentals without permission
Its unacceptable, and looks like you are all going to get villified. Rightly so. There is no excuse for this sort of behaviour. Period. http://www.telegraph.co.uk/news/uknews/crime/8232412/Joanna-Yeates-murder-suspect-Christopher-Jefferies-let-himself-into-tenants-flat.html
Negative Equity - Possible way out?
Morning all, Firstly I have searched for this but with the site being so busy these days it's hard to be sure this hasn't been posted somewhere already, apologies if that's the case. I thought i'd share something i've just heard for opinions and in the off chance it may help someone. Our situation is as follows: We…
Advice about ex-quarters housing at RAF Wittering please?
Hi All I'm interested in the ex-married quarters for sale at RAF Wittering, I know many were sold off in 2000 ( as I used to live in one as hubbie was RAF ). Now they are quite affordable at around £80-100k. I really liked the area as it was close to A1 and Stamford is lovely, but I'm worried if the area has gone downhill…
Need Help Slightly Confused Quite Worried EVICTION!!!
Ok it's a long and probably confusing story but I shall try to condense it. I am still living at home with my mum as me and my b/f have not yet saved enough to move out. However it appears the decision to move is going to be taken out of our hands. My mum recently received a notice of eviction stating that we need to be…
Rented House problems. HELP!!
I am currently living in a rented new build. The house is approx one year old and it is impressive how many problems there are with it and the landlord. We have lived in it for about seven months. The day that we were supposed to move in, the letting agent informed us that the gas flue did not meet with building regs and…
Template for putting an acc't in dispute with a property manager
Hi, I want to put my account into formal dispute with a property manager - the world famous Solitaire 'Property Management' company, and was wondering if anyone has any letters or templates I could use.
Mortgage refused due to bank listed defaulter by mistake
Hi all, I would be much thankful if some one could help me to get some advice in this regard. I am a first time buyer, and I tried for get mortgage but it got refused because santander bank listed me as defaulter in 2008 with Alliance and Lancashire . Actually, I paid my money overdrawn back in 2009 but after the acquiring…
Help!
We are moving, which is a good thing, however we have a bit of a quandry. We are due to move in on one date and we are unsure when we should let the people who have bought our home move in. The reason we are unsure is simple, we want to make sure that we have the cash in hand from the sale of our current property to fund…
Renting & Heating Issues
Sorry, bit of a long story and looking for some advice. Background: The boyfriend and I live in a rented flat. We rent via a letting agent but there is a landlord that lurks in the background. In the week leading up to the 20th December, we noticed that our gas boiler was behaving badly. The pilot light would go off at…
Saving for a deposit first time buyer
Hi everyone hope this is in the right place, Basically me and my girlfriend both 20 are looking at getting a flat in a couple years, i'm currently putting 500 pound a month away in my savings account although im sure this isnt the best thing i could be doing with it was just hoping you guys could advise me on how to make…
letting/buying dilemma
If anyone has any advice/thoughts I'd be very grateful. Here's my situation: I really want to move this year, little fella is growing up and we need bigger place. I have 2 properties. 1 I rent to a family friend (great tenant) for 450 p/m with no outstanding mortage, the other we live in but been on the market for nearly a…
capital gains tax
How do I find out the market value of a property in 1996
House exchange refused but why?!
Myself and my partner currently live in a one bedroomed disabled ground floor flat and are expecting a baby in March so we need to move to a two bedroomed property, the housing list has a two year waiting list so we were advised to look for a exchange. We found a disabled lady who is shruggling to live in her 2 bedroomed…
Clueless Landlords needing a little advice!
Hi all, here's our situation. My wife and got married in August this year. She moved out of her [bought] 2 bed apartment (100% mortgage), into my [bought] 3 bed semi (which is on the market, so that we may purchase a new home of our 'own'). We reckon her apartment is worth the same or perhaps a little less than what she…
Renting Guarantor
A friend of mine is moving to London and has asked if I would stand as guarantor - again. I have previously done this for her on two occasions while she has been at university in Hereford, but things are somewhat different now, not least as DW and I have a baby due in a few weeks. I don't doubt my friend or expect that I…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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House buying, renting & selling

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