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Leasehold management company issues
Not sure if this is really relevant to this site, but someone may be able to help so here goes. I own a Leasehold flat in a block of 4. The Freeholder has appointed a Management company who have now been active for 3 years. When they took over from the last company our reserve fund account was considerably in credit, about…
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renting flat north london
hi guys, i want to rent a flat in enfield, waltham abbey/cross or chesunt. are these places good areas ? i am on benefit and most agents are quite harsh on people whom are DSS. I will have 2 guarantor but still few places accept it .
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Buy now with 5% deposit or wait?
My husband and I have been renting together for the last two and a half years, during which we have saved to pay for our wedding, about £7000, and are now saving for a house deposit. We currently have just under £13,000. We had always said we would try to get a 10% deposit saved before buying but I've started to wonder…
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damp problem
We need some help in deciding what we need to do to solve our condensation problem. Most of it related to some cracks in the outer walls We are considering two options: A). Strip all existing paint work, address all the problems related to surface (cracks etc) and get external walls repainted with appropriate coats/paints…
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Minimising Capital Gains
Hi, I currently have a buy to let property, which I've put on the market. I want to minmise the tax on capital gains before I sell. I'm thinking of moving in for a while (I'm currently living with my parents) and getting an incoming calls only landline, how long do I have to live in the property before if qualifies as my…
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Defective wall construction or no?
Does anyone know if I would be correct in thinking that exterior walls of houses done in the 20th century and made of large "brick" like blocks means that these walls are concrete block walls as I believe? If so, I can see that houses with such walls tend to have a multitude of cracks - quite crazy-paving type look in…
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At what point is one physically removed from a property if one does not pay rent?
For example. Mr A and his family rent a home from Landlord X. One day, Mr A stops paying rent. Mr A never reads any of his post. Mr A ensures all windows and doors are always locked. Mr A never lets anyone into the property, apart from the police. What happens?
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Should we change the locks
Hi We are hoping to complete on a house very soon, quick question though. Is it normal to change to locks after you have moved in? What have other people done? Does it cost much to get a locksmith out to do this, or is it an easy job I could do myself? Cheers
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Rat/Mouse droppings found while house viewing
Hi All, We are looking to buy a house. We liked one house however during second viewing we spotted mouse/rat dropping on bed under quilt in 2 bed rooms. apart from that we like the house and area etc. and price is just about right. We are not sure if the problem is just in the house or through out the street. Would it be…
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When to make an offer?
Thanks for looking in... I am looking to buy a house outright, I am due a large-ish payout from a legal case and will use the proceeds. There is no issue that I wont get the payout its all been agreed and once our agreement is rubber stamped by the courts (a formality) I have been told I will receive payment in 28 days. M…
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Upsizing - Current fixed rate
Hi all, looking for some advice and maybe draw on some of your experiences.. I currently have a fixed rate mortage with Natwest until 30/10/13 of around £70k and am looking to borrow an additional £100k to upsize. (around £75k equity) 1. Natwest have told me they will lend me the additional money but it I would need to…
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Can bank make use change to a buy to let mortgage
My husband has moved with his job for a short period of time (1 1/2 years)so our house will be empty we have some one who wants to rent the house for this period after which we would move back in .My husband contacted the mortgage company to let them know what was happening and to obtain a letter saying we could let it…
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Four Dss people sharing a house
I have a couple of questions, regarding my friends rental property. It was advertised privately as DSS accepted, 3 of them that know each other were already sharing and they found the 4th by advertising the room on spareroom. Problem is this 4th person has been stealing things, although it cannot be proven it was him (but…
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Landlord Building Insurance
My son drove into the garage door of my rental property :eek:. He has a new car and got first and reverse mixed up!! :mad: The result is that the garage door has a large dent in it. The rental is managed by a Lettings Agency and I find them not the easiest people to deal with. Is this covered by the Landlord's buildings…
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Turning semi into terrace
I have seen this quite a bit when looking to buy houses - two semi detached houses extended to the point where they are joined, effectively turning them into terraces. I assume that the increase in value as a result of the extra space is offset by the fact the house is now a terrace (despite the EA's still advertising them…
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House Selling & Conveyancing
We are about to take our house to the market (again) with a local estate agent - we recently used an online, pay up front company, but became suspicious that as we had paid already they had no motiviation to sell our property. Although we have not signed a contract with the new estate agent yet we have received numerous…
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Is shared ownership really worth it??
Hi all, The contract expires on my rental property soon and my parents suggested now would be a good time to get on the property ladder through a government scheme. I've looked at the schemes available and the only one really feasible for me is the shared ownership scheme. I have spent the last 3 weeks doing facts and…
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OPAL - one of biggest UK student accoms providers in Administration
Sunday Times and others carrying reports on the insolvency affecting OPAL, UK's "biggest" ( according to ST) provider of student accommodation. Operating Companies of the Group are in the hands of Administrators. OPAL's founder is apparently seeking compensation from RBS, who say they gave OPAL ample time to refinance…
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Using room within rented house for business
Hi all, I was just wanting some advice please. My OH and I are waiting to hear about a three-bedroom rented house that we have applied to move into. Fingers crossed we'll have good news tomorrow :) If all goes well we'll be moving in at the end of this month. The question I had was, is that my OH and I are both counsellors…
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2nd home mortgage
We would like to buy a second home to live in for a few years because of secondary schools for our children. We would like to have a mortgage that covers us living in it or letting it out, as we may swap back and forth between houses depending on which child is where. What kind of mortgage would this be? Our current…
