House buying, renting & selling

Discussion List

• Structural Surveyor suggestion...please help its urgent

  Hello, We have found a house which we liked very much and luckily our offer has been accepted. I need a suggestion on which surveyor should I go for full structural survey?? I want to do full structural survey because house is quite old (early 1900) and it has damp on ground floor. I have got the estimate for the damp…

• Young couple looking to rent, need advice

  Hi there, me and my partner currently live in her parents house which is fine, but we'd like our own space. We both work for the same company, and pay out very little a month even though all our money is spent (Though I should add I've just cleared all my debt and am helping a family member at the moment which should…

• HELP: Dad getting divorced- Looking to buy his house & him give us a 'gift deposit'

  Hi MSE's, This is my first ever post & we have very complicated circumstances- so please be gentle :) I've only ever bought one home previously, as we were first time buyers with no chain it was pretty straight forward (although it didn't feel like it at the time) :p Okay my Dad told my step-mum (married for 10 years…

• Leasehold property help!!!!

  We own a leasehold property, it is a one bedroom basement flat, with one other flat upstairs that is owned by the freeholder which is vacant and has been for the passed year. We would like to build an extension out into our garden due to a new arrival, and approached the freeholder. We showed him what we were looking to do…

• First Time Buyer Question

  Just a quick question as interested in a house thats for sale House is for sale for offers in the region of £50,000. The house and garden has been valued at £90,000. My question is about the deposit, would this be say 10% of the £50,000 or £90,000?

• Help and advice greatly appreciated...

  Hi all, first post go easy on me! My partner and I are in a quandry about our first home. We have a seen a very nice place, ideal in style, location and such like and have paid a nominal fee to take it off the market. We are now, however, very worried about our capabilities to actually purchase the house. We have (in my…

• On mortgage or credit cards?

  Hi, I probably asking a stupid question, but I was hoping for some input before we make this fairly major decision. We've had an offer accepted for 130000. We have up to 21000 as a deposit. However the house needs work, so we were looking at only putting down 13000, and having the remainder to do the work with (wiring and…

• How does the tax work when renting out

  Hi, I am relocating, which means I have to move out of my home. My mortgage is £600 but the going rate for rental is £550. Also where I am moving to I will be paying £800 in rent. Would I still have to pay the full amount of tax on my original home?

• Can a seller say no after taking a deposit?

  i recently put a offer in for a home that was going to auction, the offer was accepted and i was told that if i put a deposit down that the property would be taking of the market. I put a deposit down and 30 minutes later i got a phone call of the estate agents saying that they needed to give me the money back as the…

• Two Different Surveys! Which is right?!

  I have had a Homebuyer survey done on a terraced property I am in the process of buying, which indicated high levels of damp in the downstairs floor timbers, and a possible breach of the damp course. The vendor has subsequently had their own survey done, which has indicated that the damp course is in tact and there is…

• 19 viewings, no success

  Good evening MSE. I'm looking for some advice on selling my flat, and hope you can help. It's a ground floor flat on Tyneside, identical layout to every other one in the area. Unfortunately I bought back in 2006 and was almost certainly conned... however, I've taken this into account and dropped my asking price down to…

• 1 month to find somewhere to live! Scared.

  Hiya, My partner and I just received a letter from our landlord saying we need to vacate the room we rent in 1 month's time. We both claim JSA and housing benefits (we both hate it and are desperately looking for a job and now looking for a home is added to the stress, so please no judgement) so no doubt this will greatly…

• Mortgage Survey Didn't Identify Japanese Knotweed

  Hi all, I'm wondering if I have any grounds for a complaint as I have bought a new house in May and taken out a mortgage with Santander. A basic survey was done and the japanese knotweed that is present at the bottom of my garden and neighboring gardens wasn't identified. It is clearly visible and from the house only I…

• I don't think I have permission

  My tenant recieved a letter by recorded delivery addressed to me and has passed it on. It's detailing arrears on the ground rent with an admin charge. When I bought the property I was told that one of the neighbours collected the ground rent but I don't think I was ever asked for it. I moved out about 18 months after…

• Renting with boyfriend

  Im a woman currently renting with my 2 children, I would like my boyfriend to move in but obviously dont want it to affect my benefits, he is currently not working due to illness but hopes to soon. Where do i turn to do it properly and have a joint tenency. Many thanks for all advice :beer:

• To survey or not to survey...

  Hi all...me again! We are proceeding with our house purchase (yay!) and the next item on the to-do list was to arrange the survey. I did a bit of research and I think the advice is that we get a homebuyer's report rather than a building survey; the house is 15 years old, is an ordinary house in what looks like very good…

• What does a surveyor do?

  Well we've been to see the part ex house I mentioned last week, and we loved it! They are willing to part ex ours and they're sending a surveyor round in the morning! My question is, what will the surveyor do? Do we need to clear the entrance to the loft? How long will it take? So excited, as from the day we sign we will…

• Renting home for first time after living with parents

  Hi, I have been living with my parents since forever. I finished uni 3 years ago and have been working hard at work ever since. I am gradually working my way up the pay ladder, saving as I go and I feel now is the time to move out, but I am not sure if my pay reflects this. (I have a sum saved up for a mortgage, this is…

• Landlords - how would you feel about tenants getting loft/cavity wall insulation?

  Our energy supplier keeps offering us free loft and cavity wall insulation, but we rent our house from a private landlord. I've emailed our agents to ask if our landlord would have any objection to us taking this offer up, but it often takes them a couple of days to get hold of him. So in the meantime, just interested in…

• potential cgt charge on divorce

  i was married approx 4 years ago, i had a few btl properties, when remortgaging 3 of them a couple of years ago i decided to put them in joint names to use 2 gct allowances when disposing of. Cost of props were 255k (morgaged) and when remortgaged each was worth approx 120k eack (360k) on paper. Wasnt aware of any cgt…