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proving the house is yours
Sorry if this sounds like a silly and pedantic question.... Now that I have the keys to the house and it is mine, shouldn't I have some kind of paperwork to confirm this? I find it odd that when I buy a car I get a 'registestered keeper' document and even when buying my grocery I get a receipt - but I've bought a house and…
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Headlines today:If your not on Property ladder now, you have no chance in next decade
So today I have heard on the new that due to properties set to rise in price and lenders being relucant to lend, the chances of a FTB being able to buy in next 10 years are pretty much non-existant. What does this really mean? Like to the people out there like me who are saving for their first property?
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Offer on House not quite what we hoped
Had an offer on my house but is less than what the mortgage is by 5k can I accept the offer? Does the mortgage company have the ability to stop the sale as it's not the full amount of the mortgage? Do I have the option of paying back in installments or a lump sum on completion? We are going into rented accommadation.…
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Estate Agents spelling mistakes
Some of these made me smile. My two favourites are "The property has an oil fried central heating system" and, (IIRC), "From the back there are views of All Stains Church" ( well, it is in a town with a seagull problem!) Any others which have amused you?
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Hi, Personal loan for un-mortgageable auction property?
Hi, Myself and my fiancee want to purchase an auction property, It's un-mortgageable, we have £10k-£15k saved but the property is likely to go for between £30k - £40k (1 bed apartment). We have a combined Annual salary of around £45k and we both currently live at home. She has a personal loan with around 2 years and £5000…
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wanting to move to wales..
hello, I am looking for a bit of advice.. my wife and I have decided that we would like to have a complete change and are really thinking of moving to wales. however, we are pretty much clueless as to go about it. we currently rent privately in the west midlands, recieve housing benefit... would it be a matter of finding…
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SHAREDOWNERSHIP is FANTASTIC!
I have been doing some research on Shared ownership & I think it is a great scheme for first time buyers looking to buy a house/flat providing.... - A decent deposit is put down on the share the buyer buys - The buyer has the ability and can afford the payments of the mortgage and the rent - The buyer is prepared to live…
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Renting - 'Making an Offer'
Hello there, I am about to rent in London - last time I rented was over 11 years ago up north, so just trying to find out what has changed. I keep hearing people refer to 'making an offer' with regard to rental property. What does this mean? I thought that the stated rent was the rent, and it wasn't up for negotiation. Is…
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Demolishing an old building to build a new one
Hi Guys First post so hope you can help I own a large old pub building it is fairly substantial and made of big sandstone blocks. There are lots of other breeze block bits with flat roof added on. It was signed over to me by my parents and I dont owe anything anything on it. Me and my wife want to make a home here but…
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Subsidence, Underpinning and Planning permission for a loft extension
[FONT="]Hi, we are looking at purchasing a flat (first floor of a house) that had suffered from subsidence. the work to underpin the whole house was completed in Feb 2010, the vendor has a certificate of structural adequacy. The cause of the subsidence was described as 'shrinkage of the soil caused by nearby trees'.…
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Is buying and reslling in 5 years feasible?
Hello there, we're thinking of buying a house for around £410,000 in Bromley. Is it feasible to buy with an intention of selling within 5 years and buying elsewhere in London, not to make a huge profit, but to at least break even (with all the taxes and fees)? I think it'll be pretty close. I think it'll be around £20,000…
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About to put in an offer - what is the correct way to do it?
I don't want to get this wrong!!! So grateful for any advice. We are about to put in an offer on a house that we like. I suspect that the first offer will be knocked back, as it is quite a bit under the asking price of £290 K - but we thought we ought to try at least one offer under £250 K. Its been on the market for about…
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Police forced door ... who pays ... Scotland ?
Hi, We have a small flat in Scotland let out to somebody on DSS. Recently we received an invoice for over £200 from a locksmith relating to an incident back in February we knew nothing about. According to the scant info we have the police went to the property with a warrent and forced the door. They must have called the…
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Parents offer to buy our house
My parents in law have approached my wife and I and offered to buy our house from us in order to rent back from them therefore the house would be owned outright by them and left to us in their will. In principle this sounds like quite a good idea. They save on fees and get their 5% return and we save around 300 a month on…
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Conservatory cracks - help
Hi or rather help, We have just moved into a rented property. We have also (prior to moving in) put in an offer which has been accepted by the sellers(landlord). I have carried out my own inspection and noticed the conservatory appears to have slipped. The blue brick foundations have mortar which has disintegrated, and to…
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Renting questions
Hi I am shortly to migrate to the US with work and plan to rent my 2 bed house. Currently I have a repayment mortgage with abbey on 5 year fixed till 2013 and they will allow me to rent. With paying a letting company and the rent it would be very close to the coat of my mortgage (80k) the house value is around 160k. Would…
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Interest Rate Rises - Predictions....??
Good Afternoon All, hope everyone is enjoying the bank holiday break. Im still quite new to the site but finding the response from members to be excellent and very informative. Please can i ask members for their views/predictions on interest rate rises (i know we cant predict the future but i just want to try and gain a…
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Renting Privately With 3 Defaults?
Is it possible? Myself and my partner are looking to rent privately but I'm worried about the credit check that letting agents take out. I have 3 defaults on my credit file, that I am currently paying off. My partner only has his student loan to his name, other than that, his credit score is fine. We've saved up enough…
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Council Tax in shared house
Hi, I am going to rent a house.We are four professionals.The council tax for the property by the valuation list is approximately 1360 pounds a year. Does it mean that every individual in the house must pay this amount or it's 1360 divided by the number of individuals living in the house? Thank you Ryan
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Giving notice
If you are a landlord with a tenant on a 6 month contract, how much notice do you have to give and when can you give it? I.E Can you give notice that you want the tenants to move out on the day the 6 months is up?
