-
Negative Equity House Sale
Hi Peeps, my wife worked for the social services earning decent money, then 8 years ago she was diagnosed with motor nuerone disease which is progressive, as a result she lost her job and we now struggle on a quarter of our earnings of 12 months ago. We have an interest only mortgage of 150k on a house worth about 110k we…
-
Damp House Renting
Hi I had a viewing on saturday and really this house, so I paid the application fee (£240). But I found later in the day the block of flats I was about to rent have a major dampness problem. Do I just let the application fee go down the drain since it is non-refundable or take the issue upto to the letting agents? Thank…
-
Selling flat to move to a house...
My partner bought a 25% share in a 200k flat 5 years ago. We now want to move to a house, using the help to buy scheme. We can get a 280k mortgage but don't have a deposit so this works for us. Anyway, the question is, do we list the flat and sell that before looking for somewhere to move? We've been looking and actually…
-
First Time Buyer/Help to Buy Advice
My wife and I are currently looking at buying a new build home using the help to buy scheme and we're looking for some advice on a few things. We're first time buyers, never looked into mortgages or buying a house before so although we're learning this is all very new to us so be gentle.... First of all the house we like…
-
Hotpoint fridge freezer please help!
Hi I bought a hotpoint fridge freezer ff200l in October 2009. It's become faulty as the fridge keeps getting warm. The freezer works fine. The only way to resolve the issue is to defrost it. I had a hotpoint engineer out today and he said that he had to 'modify' the appliance and cut a wire behind the control panel! My…
-
Consent to Let letter
I am considering renting out my apartment and buying a new property. I have had a brief conversation with my mortgage provider in terms of obtaining a new mortgage and they mentioned that I would need to send them a consent to let letter if I decide to rent out my apartment. These may be fairly daft questions but I was…
-
Solicitor still waiting for redemption statement - problem?
I am due to complete on Wednesday and everything is in place apart from the redemption statement from my lender with the details of the final balance of my current mortgage. The solicitors claim they have not seen it today and the lender claims that they faxed it over this morning (joy!) but I was wondering what would…
-
Deciding where to live, single 30 something
Hi All, I'm a single guy in my early 30s and am looking to buy or rent in my home town of Reading. However, I am finding it difficult to decide where and not feeling that excited about it. I am selling my current flat which is out in the suburbs which I am bored of, and I'm fed up of getting buses/cycling. I don't drive…
-
HA interview for house
Evening, I was just wondering if anyone had any experience of these? I've been nominated for a house with another housing association. Thus far I've had to give everything bar a DNA sample, and now they've asked to interview me on Friday. The property is a new build, and they are 'sensitive lets', so I'm unsure whether…
-
Problems with buyer post-sale
I sold a house 6 months ago which belonged to my late father's estate. I own a piece of land adjacent to the property which has separate deeds and was not part of the sale. The then-buyer was given the option to purchase the land but couldn't afford it although numerous discussions took place to find a way for him to…
-
Advice needed re poss house move
I am after some opinions please. We currently live in a very nice 3 bed semi. We have a lovely kitchen and conservatory which I love but the bedrooms are small, one is a box room :( we have an opportunity to move to a larger 4 bed semi for not much more money than our current house. My issue is the 4bed need a lot of…
-
What are my options?
Hi, I'm looking for some advice while I try to work out what realistic options I have on getting on the property ladder, ever. In my twenties I accumulated some credit card debts, all which I have now paid off and have for the past year started to save up some money. But I'm now 35, single, living and working in London. My…
-
Covenants
Hi I have searched through the forums but cant find the answer, we are trying to find out what the covenant on our house contains, we bought it 10 years ago and shamefully i never read the deeds in detail. having just done so they say there is a Covenant in place between the original purchaser and a company called Rotheroe…
-
question for buy to let investors
is it true that before anyone can start in buy to let, they must own their own house first? i am told it's not possible to get a buy to let mortgage without first having a residential one where you live? if this is the case then surely it must take quite a few years for people to get into a position to do this, to fund the…
-
Buy or Not buy this house? Advice please
Hello everyone, I hope somebody could give me some advices. We are in the process of buying our first home. We are happy with the location, the house itself even it need quite a bit renovation work. Now all paperwork done, ready to exchange in a couple of days. So as the solicitor request, we are hunting the building…
-
Nightmare housemate kept my deposit - help!!
I posted a related topic, but it became confused as developments happened, so I'm hoping this will be clearer. We rented a flat in London. At the end of my tenancy, the landlord kept £500 for damages that were there before we moved in. I understand this has to be claimed through MyDeposits. The estate agent transferred the…
-
Is this ok?
Hello all, We are first time buyers and have been looking for around two weeks, last weekend, we found a property that we both liked. However, we hadn't made contact with any mortgage companies. We have worked out our budget and the likely cost of a mortgage using online tools, and of course how much we can borrow. (only…
-
Extension wall being used by neighbour
quick question. We have an extension (1 story) on the back of our house (semi). Our neighbour is using the extension part - he has put shelves up on the side that is near his house (where the fence would be). I dont really have a problem with this as I cant see it and its not affecting me...yet The problem I do have is…
-
Damp Proofing
Has anybody used these people: http://www.dampproofing.com/ Apparently they can do the job without replastering, which cuts down the cost quite a bit. Not sure about the effectiveness of this method, though.
-
Interest from house sale.
Hi I’m using a Fixed Fee Probate company to deal with the Estate of my late Mother. All Monies from the Estate have now been collected but the Department of Works and Pensions are still processing a few final bits and until then, the Estate is being held by the company. The question is, the Estate would be earning interest…
