-
Mortgage broker issues
Hi, I started to use a mortgage broker last year as I could not get a mortgage from a bank. The mortgage broker found a mortgage and I paid for the mortgage providers survey to be carried out on the property and the banks mortgage fee. The property fell through and we did not buy the property in the end. Now the Mortgage…
-
please ignore
Sorry I just realised I already posted this message and i cannot work out how to delete it
-
Find out who owns a property
Hi there, first time poster long time reader here! Was wondering if anyone knows the answer to the following question; I'm thinking about making an offer on a house that I believe is possibly for sale even though it is not advertised. It's actually owned by one of two people. Now my predicament is this, If I go to the…
-
Just Exchanged Contracts.......Now What?
Hi, I am a first time buy and today exchanged contracts with a completion date of 10th January. I know we need to get buildings insurance from today which I am currently sorting. Is the anything else I need to sort as this is the first time I have done this. Does electricty, gas etc. need to be sorted out prior to moving…
-
Having a lodger who is a boyfriend - how does it work?
My sister is in the process of buying her first home. She was planning on renting out 2 bedrooms. However, from talking to her I think she will just rent one of the bedrooms out to her boyfriend. How does she protect herself in the future against any claims he might have on the house should they split up (they've been…
-
Tax rate while renting home while abroad
Hi gang - My partner and I are in the process of buying a house, which we hope to complete by Feb/Mar 2011. We plan to live in the house and then live abroad for a year while renting out this house. If we were to be away from April 2012 to April 2013, would we only pay tax on the rental income that comes above our free tax…
-
UPDATE - RE lodger
Hi all :) Just popped in to thank you all in here for ALL the support you gave me when I had to evict my dangerous lodger:eek: I really cant thank you all enough, you gave me the strength and courage to see it through:T I have had NO more issues/problems with said lodger and life is peaceful again. I am now so looking…
-
Ground rent, same flats, £50 difference...any advice?
Hi all I live in a maisonette, ground floor, 2 beds. My neighbour lives in exactly the same flat, just mirrored as the houses are exactly the same. We have always paid £60 per year for ground rent, but then chatting to my neighbour yesterday it turns out she only pays £10 a year! Does anyone know why this might be? She…
-
Leak in rental house - nightmare
So I have a boiler leak that has flooded down the hall/stair wall and the lounge carpet. The boiler had a faulty seal according to an enginner I managed to call out at short notice (after my LL claimed she couldn't find anyone). My engineer can fix the leak so I will have reliable water. But the boiler has another fault…
-
Renting a Lemon
Hi, My girlfriend and I have just moved into a flat which is turning out to be a nightmare. We moved in on Tuesday without me seeing it (I know, caveat emptor) and when my partner viewed it she missed some fairly important stuff. No central heating No boiler Damp above the header tank Mouldy bathrooms Prepayment electric…
-
Strange one - Stepmother Selling House (Dad deceased..)
Bit of a strange question, and dont know where to ask advise... My wifes mum and dad owned their house outright. Around 15 years ago my wifes mother died leaving dad on his own. He met a 'lady' and they got on well. She also owned her own house outright. Rather than live in either house they sold them both (at around £80k…
-
How can I find out who my neighbours are and if they own their property?
Hi I am having some problems with a set of neighbours on my street. And I would like to find out who the registered owners are. How can I do this and it there a free way to do it? I need to look up 8 addresses. Thanks
-
How to get stamp duty paid on a new build
Hey, we have agreed a deal on a new showhome, the mortgage offer and projected completion date is in place, but we want to try and get the stamp duty paid by the builders, but this obviously sounds a little cheeky when we ant to buy the contents of the showhome too!! any ideas on how to play this? thanks
-
buying house and swapping it with sis in law
my sister in law wants to buy my house to get on the property ladder but cannot afford the deposit, so we came up with a plan to get her this house and us a bigger one so ere it is . at the moment i have a mortage for 40 grand but the house is worth about 110 grand, so i was going to remortgage my house and get a 40 grand…
-
Soiled Furniture and Inventory
Hello, First time here! I am about to sign a contract for a new property. Up until yesterday the LL was in agreement about moving some, if not all, of the furniture in the property. Just last night we got an email to say that we had been misinformed and the property was furnished, always had be furnished and always will…
-
Renewing tenancy but no docs signed yet
Hi all, We have been in our house for just over a year now, and our landlord has been great. We asked him about three months ago whether we could stay for another year, and he said yes and that he would sort it out. Our tenancy agreement ran out last week. Shortly before it did, I asked him if the paperwork was ready for…
-
A Landlord's perspective, if you please!
How would you feel if your tenant fixed a couple of issues that were negative on the inventory i.e a broken kitchen door hinge, mouldy mastic behind kitchen sink and curtain pole problem? These are things that are marked on our inventory but easily sorted. We have already fixed the curtain pole issue as the whole thing was…
-
first mortgage payment
Hi there, Having recently bought a house everything I've read prepared me for a higher-than-usual first mortgage payment a month or more after completion. We completed about a week and a half ago and the mortgage company seems to have taken an amount smaller than one monthly payment from our account today. Today isn't the…
-
Cold winter weather and property
Has anyone regretted the type of house they have brought with respect to the amount of heating it takes. What properties do you have that are toasty warm and economical and you are pleased with.
-
moving to area/looking to buy
thanksdssdfsdf
