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House buying, renting & selling

Archives for June 2011

rent lost in tranfser, what next?
What do you folks think of this. Tenant claims he paid rent to letting agent by BACS (or faster payment). Has Internet statement to prove it - looks genuine. Letting agent claims not to have received money. Has supplied photocopies of their actual hard copy bank statements and rent it not there (also look like the real…
Can I rent my house to my retired parents
Hi Any advice would be much appreciated. My DH and myself have a mortgage with Chel and Glos and have worked really hard last few years to get this down to £50,000. We really want to move and have saved up a large deposit to buy another house. But we dont want to sell our current property we would like to hang on to it for…
Roof Liability
Sorry not sure if right forum. Here goes, any advice greatly appreciated. I stay in a U shaped building. My address is the front of the building and I have always been charged for any communal (factor) charges for this area. However my flat actually is under the roof on the side (hope that makes sense!) Anyway after 12…
Urgent - Notice of Eviction advice please
Hi, We rent a house, have been here for ~21 months and have had to deal with various repossession threats due to the landlord not paying the mortgage regularly. He is always very relaxed about it if / when we can get in touch with him, blames it on some admin error and at the last minute he pays his arrears and the threat…
Advice re: making a complaint to a surveyor & cavity wall tie work
We recently purchased a property with a Nationwide mortgage and paid the extra to Nationwide to have a Homebuyer's Report Survey conducted on the property in question (a 1930s ex-local-authority house in South Wales) In the survey the surveyor reported: Upon arrival to the property we spotted the cracking in question which…
Home Report - Electrics Category 3
We are going for a second viewing on an old house. The home report has highlighted a category 3 for the electrics and states "there is no visible evidence of earth cross bonding". Can anyone advise worse case scenario cost for putting this right? Was going to ask seller if they would consent to an electrician having a look…
Is my (ex) tenant correct?
To cut a long story short, my tenant left my house one month after I'd given her two months notice. She left owing 2 and half months rent, and there was a lot of damage to the property. Carpets were left with serious stains (that I'm still not sure if they can be removed, or whether they will need replacing), the walls…
My flying freehold property is on the market.
My wife and I own part of a Water Mill. 60% of the ground floor forms a flying freehold over a bedroom and storage rooms. The situation is well documented on the land registry which states who repairs what and outlines the party floors etc. We had no problem obtaining a mortgage (16 yrs ago) but I am sure things are…
To buy or not to buy
Some advice needed please. Next door has come up for sale it is a wooden house on a quater acre. Owning next door would give access to our half an acre garden if we ever decided to sell for building, as a nest egg for our disabled child. We could probably raise 2/3rds of the asking price leaving us and the family with…
Previous tenant
I've just moved flats and it was a nightmare due to lazy incompetent letting agents but that's another story. My query is I would like to change energy suppliers to save some money but my current gas supplier tells me that my supply is in the process of being changed to another supplier that the previous tenant initiated.…
Bought a house and now found a SOLD plate attached to it
I just bought a house and now found a SOLD plate attached to it. There was no FOR SALE plate since vendor was probably objecting it. I understand agents want a free advertisement but would not it be nice to ask my permission first? I've got the following questions: 1. Would you like or not to have a SOLD plate on your…
Tenancy Deposit not being returned by Foxtons
Ok, well firstly i shall say i told my son to go nowhere near Foxtons, but he did anyway. My son exited his flat, rented through Foxtons, on the 9th June. In his tenancy agreement it states his deposit money should be returned within 10 days of him exiting the flat save any disputes, which there were none. As of today,…
Tenant wants deposit back
Hi Im a landlord and ive always been very fair with my tenants deposit giving it all back except where real damage is caused. A new tenant came to view the flat and paid the holding deposit into my account later that day, no agreement signed. We agreed over email that it was a 1 year tenancy starting 1st July and contract…
Renting What Insurance do we need?
Hi there Me and my boyfriend have just signed for and are moving into our first rented home together on the 15th July. I am sorting through the bits and bobs that we need to do for bills i,e, elec,gas and water suppliers and council tax etc but was wondering what type of home insurance we need to get? Any suggestions will…
House being Repossessed,what are our rights?
Hi We've owned our house for 6 years,last year my partner was made redundant for 3 months and missed 3 payments,after that he started working and continued paying extra every months to cover it. Everything was fine,we have a family,3 small children and a baby on the way. Few months ago he was made redundant AGAIN and…
Have two offers but which one is best?
Hi Forum, Thank you for any advice given. I've had my house on the market for a couple of months and have had two previous offers which fell through. One due to a complete timewaster and the other a young couple who changed their mind.The later happening this morning. When the agent rang me earlier she told me that I have…
Noisy neighbour
Hi there , I wasn't sure where to post this so please move if it's in the worng place. We've finally got completed and moved into our lovely new house three weeks ago. All is fab apart from the fact our neighbour is horrendous. So far we have music blasting through our house all day, it's so bad that I can't hear my own…
Leaving House Empty - Tips?
Hi, After a long hard road we have finally exchanged contracts and complete on the house we are buying at the end of next week. We had to get moved out of the area we are in and the only way to do it in the end was to get concent to let on our current home whilst we try and sell it as a seperate process to moving. We have…
Offer accepted but..
the EA wont remove the property from right move until weve had a survey .. is this normal?
Buying outright vs. Interest Only Mortgage - Am I overcalculating?
Hi all Apologies for duplicating this post. I originally posted it in the "Mortgages" section of the MSE forums, but felt it was more suitable to this section. I've been trying to do the maths on this one, and either I'm overlooking something, or my initial preconceptions that buying outright is more profitable than…

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