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Looking for advice while saving
I have been saving for a couple of years now (I'm on a £14.5K wage) and I'm at a stand still. I'm not sure how much I need to be earning for it to be financially viable to move out of my parents. I'm hoping to get a mortgage, I'll be moving out by myself and if possible I'd rather not rent out a second room. I'm hoping…
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Do Halifax accept indemnity insurance on their mortgages
Hi there Buying a house, and my mortgage is with Halifax. We've learned that some time ago (not known when) a non-supporting wall was removed, and separately a new window installed, but possibly without building regs (it can't be provided). We're happy with it structurally, but solicitor talking about asking seller for an…
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Am i going wrong anywhere
I spoke to a conveyancing solicitor before I had put an offer and I told him that I will use your services when and if the offer is accepted to which, well he definitely agreed, but he kept waiting first for offer to come through which took about two weeks and then the sale memo to come through which took further one week…
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Can partner be left off the tenancy agreement
I am moving into a property with my partner, we are married. The EA want to charge us per person for reference checks. I can afford the rent on my own and have checked this with a few different rent affordability calculators. Seeing as I will be solely paying the rent out of my salary anyway and my partner will not, can my…
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Misplaced Deeds by Estate Agent.
I have just been talking to a friend who has their house for sale. There has been a bit of interest and they are optimistic of a sale. When they bought the house around 1984, for whatever reason, they left the Deeds with the Estate Agent for safe keeping and have a letter/document from the Estate Agent confirming this.…
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Solicitor brine search or independent?
My solicitor has advised that I have a brine search and says this will cost over £200. I've checked what this is (http://www.cheshirebrine.com/) and saw a cost of £32.40 inc VAT. I'm not worried that the solicitor is a cowboy or anything like that, I appreciate that his time will be added to this however:* Is this the same…
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Charging a tenant £120 for Inventory Fee
I am a tenant and have just moved out of my flat after some serious damp issues. My agency have said I have to pay £120 fee for an Inventory fee. We've had so many problems etc with this place and when the lady came this morning to do the inventory she had the audacity to ask how many bedrooms it was!!? The company name is…
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How long to wait/ how to avoid getting into a bidding war
I am a first time buyer and as such was nervous about putting in an offer, especially on a reposition but fell in love with a house which would give us everything we wanted. We put in an offer to be told they had accepted an offer £1000 more then us but that since it was still under the asking price and had only been…
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Asbestos mentioned on homebuyer's report - what would you do?
Just got a homebuyer's report back on a mid terrace 1995 built freehold property of standard construction that has had zero work done to it since construction. I've never read one of these before as we are first time buyers, but I've seen enough threads on here to not be concerned that it has raised 3's for: * Gas…
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Solicitor check confusion
I'm mid-purchase of my house at the moment, and as a FTB am a little ignorant about the conveyancing process. I've had a bunch of documents through from my solicitor and am attempting to understand them with only moderate success. Can anyone shed light on the following: * What is the Title Information Document for? * If I…
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full electrical safety check
No doubt this is coverd many times elsewhere-but can't find it . so simple question: i write as a responsible landlord but forget whether a full electrical wiring/safety check (not a simple pat test) on a rented property needs to be done every 3 or 5 years- which length of time please ? is it law or just a sensible…
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Parking in a communal yard
Hi All, Posted a couple of times now.. I've been looking at Tyneside flats to rent recently, and I think I've found one I want to move into. The flat is ground floor, with a door in the kitchen extension to the rear yard. The first floor flat has their kitchen and bathroom in the same place (former pantry/scullery).…
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Landlord taking small claims action one student not paying rent - Joint and several
5 bedroom house 5 students with 5 guarantors Lease signed January 2012 lease from 2 September 2012 to 31 August 2013 Joint and several short-hold tenancy agreement One student had difficulty getting grant and so did not take up residency. Room was advertised but no takers. Letting agents informed other tenants and…
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Buying home from parents with gift as deposit - help!
I am purchasing my deceased grandfather's flat from my father and my aunt for £200,000. £25,000 from the sale of the flat was intended to come to me to me as a gift from my father. I am planning on using this £25k as part of my deposit for the flat. This means that I can only transfer £175,000 (the mortgage money and the…
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How to separate land from a house to build on.
Apologies if this is in the wrong section. My parents have a rental property which has some land to one side. This would potentially be big enough to build a two bed property with a small garden to the rear and parking for one car. I've toyed with the idea for a while and parents will be gifting me the land however I’m…
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Tenancy Contract
Hi, my daughter moved into student accommodation in September, she paid her rent for the first term but had to move out at Christmas due to trouble with other tenants. She found somewhere else to live and is paying for that now. However her original landlord is demanding rent for the rest of the year. They say she signed…
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Research Paper - UK Property Market!
Hello friends! I am submitting a research paper on the state of the UK Property market this summer and would like to invite your opinions re. the biggest problem(s) / hurdle(s) with the property buying process? So far, I have interviewed more than 50 house buyers, 10 property agents, 2 mortage brokers and numerous MSE…
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MyDeposits - it's all backwards?
Good afternoon, I'm putting in a claim for the return of a deposit via MyDeposits. All well and good but my problem is this - I've just spent several hours putting together evidence to show why the deposit should be returned to us, comparing check-in v check-out etc. I've located, annotated and uploaded ten documents to…
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One for the shared ownership people
Hi all, A little bit of background information about me. I currently rent a room for £400 a month, and am saving towards a deposit which I estimate i'll need to do for another 2-4 years yet to get a decent sized one. To be honest i've never really entertained the idea of buying a place using any of the available scheme's…
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home adaptation I need help please
Hello everyone, I am a social housing tenant have been for the past 28 years, I need to have my bathroom adapted to a walking in shower basically I would not mind if they just remove the bath and replace it with a shower instead. For years I have suffered with rheumatism in my joints at the moment I am in severe pains with…
