-
Moving House, my buyers mortgage approval / survey taking ages
I accepted an offer on my house, 1 month ago. My buyers are using Natwest for their mortgage but I haven't had any survey contact or any other confirmation that my buyers mortgage is approved. My estate agent says Natwest can be quite slow as they fully approve the mortgage before the survey is done, is this correct? I…
-
Would it put you off if the estate agent had a 'personal interest' in the property
Would you be put off buying a house if you found out that the estate agent you were negotiating with had a personal interest in the sale of the property? Under these cirumstances: - the person you'd dealt with throughout at the EA was the interested party - you weren't told before you noticed - you had put in an offer and…
-
Father in laws offer
MY father in law is desperate to help us get our foot on the property ladder and is willing to help us anyway he can, his situation is this, he works full time on around £35k Per year. he owns a house that has been valued at £230,000 he only has a mortgage of £4500 left so nearly paid off. He has suggested that he would…
-
How do I change supplier on a new address
I am about to move home to a rented property in July, The current tennant is on Scottish Power and I am on Npower. The landlord has said we can change to any provider we want as long as we sort it out. Can anyone guide me what I do to change supplier ? Do I move in on Scottish power and then shop around or can I shop…
-
Solicitor's fees
Could someone please have a look over these fees and give me an idea if they're reasonable? Thanks. Cost breakdown for buying a house (Freehold) costing £ 155,000.00 Our Fees:£ 400.00 Official Search:£ 4.00 Stamp Duty:£ 1,550.00 Land Reg Fee:£ 200.00 Land Reg Admin:£ 100.00 Bankruptcy Search:£ 2.00 TT Charge:£ 35.00 Cost…
-
Cellar conversion building regulations
Hi, We are in the process of buying a victorian terrace with a converted cellar. A window has been added, there are radiators and the walls appear dry (tanked according to estate agents brochure). The current owners have loads of stuff down there including books etc which all seem dry. However, the surveyor homebuyer…
-
Gazumping on a rented property?
I'm wondering if anyone can tell me if my situation is legal, or if there is anything I can do about it. I viewed a property listed at £625PCM with my boyfriend on Saturday evening and we both absolutely loved it and decided we were going to put in an application for it. We had already picked up the application forms and I…
-
not moving in straightaway
Am hoping to have the keys to my new house soon, but I will not be moving in straightaway - instead staying with my parents while I do some work on the house. I am a FTB and was wondering what things I need to do: - tell the council for council tax purposes (does it make a difference that there will be no one living in the…
-
Been given notice to move - thoughts on how to avoid in the future
We've been happily renting a house for just over three years but a couple of weeks ago we were served notice to vacate the property as the owner was planning on moving back in. No worries from us, its one of the perils of renting, the house we live in is nice but we've had doubts about it previously so not that fussed…
-
Let Agents Duty of Care
Can letting agencies get away with letting flats out to folk who wake you and other residents up during the night (5am) on a nightly basis??. The flats are built cheaply therefore you hear every footstep and floorboard creak. They are a foreign heavyish couple and although they are generally quiet vocally etc, they really…
-
broken thermostat, does LL have to fix
hi all been in property almost 6yrs now so no EEC needed the boiler has never worked properly, have to have heating and hot water on at the same time, this was fine up untill last year as i just turned all my radiators off or on low as and when needed now all the thermostats are broke so if i want hot water or heating its…
-
Flying Freeholds
I own a mid terraced cottage (in the UK) the front and back gardens of which do not line up. i.e. there is a kink in both party walls. At some stage in the distant past, probably when the entire terrace was in one ownership, a two storey extension was added to what is now my property. Part of this backs onto my neighbour's…
-
Santander list of approved conveyancers.
My mortgage is with Santander. I was speaking to them yesterday (over the phone) with regard to some extra lending for a house move. We got onto the topic of Solictors/conveyancers and they told me I can only use ones from their approved list. I've already been recommended a local firm of Solicitors (by a Solicitor friend)…
-
indemnity insurance paperwork
Just a quick one, we completed on a house a couple of weeks ago. During the buying process it was necessary for the vendors to take out indemnity insurance against a couple of alterations to the property, i am just wondering if i should have a copy of the indemnity insurance paperwork, and would i be expected to have it by…
-
Trouble with a vendor
Hi all Hoping some of you savvy lot can help with some advice on the following. My wife and I are first time buyers, looking to complete the purchase of a flat we rather like. The problem, is that having sat down with our solicitors, it transpired that much of the information specific to the property which the Vendor gave…
-
Ghosts
We don't think we have ghosts and we defiantly don't believe in ghosts. But our very average house does emanate unexplained noises. They vary, sometimes it goes for months and you kind of forget about it. Sometimes they seem to come in batch's, the spookiest is, the sound of scratching, the kind a dog makes when he uses…
-
What would you do ?
Hello Just looking dfor a little advice. We live in a little 2 bed terrace house with a yard. We are happy here we like the area just would look a garden. We have my 14 yr old stepson who stays on a weekend and we have a 2.5 year old son and our now expecting twins. We immediatly looked into moving as we would now need a 3…
-
Landlord wants to make major repairs. help needed!
Hi guys, I rent a two bedroom city centre apartment, which has a damp problem. Both bedrooms become damp, blister and accumulate mould. The landlord had tried to fix this issue with some contractors two years before we move in. However, he has been battling with them to prove that they weren’t successful and therefore need…
-
Advice needed on Letting out property
Hello all, My situation is simple - i cannot sell my apartment for love nor money, and as we are almost at a point where we have enough savings for a deposit on another home, i am looking to rent the apartment out. My quandry however is simple - My mortgage is roughly £550 p/m, however when i asked the Halifax for consent…
-
BTL Allowable Expense Question
I’ve been doing a lot of research in buy-to-let and having searched this forum, I have found the answer to one of my questions - it is OK to remortgage my main property to finance a buy-to-let and the interest on that loan is an allowable expense that could be deducted from the rental income. See - Avoiding buy-to-let…
