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Ways to purchase parents home
Is there a way of purchasing my parents family home without paying stamp duty/solicitors fees? Is it possible to just change the name on the deed and continue to pay the existing mortgage? The house is worth around 450k with a 200k mortgage. If I was to purchase the house, could my parents ‘gift’ the deposit to me of…
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Bank being rather odd - Mortgage (and deposit issues)
Posting on behalf of a friend as she called me upset and I have no idea...I have never bought a house! My friend circumstances suddenly changed for the better and she has decided to buy a house as her parents offered to pay her deposit. House offered on AIP granted all moving along well. So she pops in to the bank today to…
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Mortgage on maternity salary reference
Can anyone help me I am on maternity leave from the nhs work part time only doing 50hrs a month at weekends and evenings as I look after my two kids in the day! We have sold and bought a new house and are just porting our existing mortgage and amount over. God, who thought it would be so hard:mad: I had to supply the bank…
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Buying an investment flat with existing tenancy
Hi, Me and the missus have been saving our pennies and have enough now to buy a small flat for investment (pension) purposes. We have made an offer on the flat and it has been accepted. The flat currently has an existing tenancy with a guaranteed rental income plan which expires at the end of the year - but the owner can…
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Moved Out Before End of Tenancy C/T Liability?
Just a quick ish one. We moved out a fortnight before we gave notice, (wasn't end of fixed tenancy, as that was 6 months previous) and immediately informed the council that we'd moved. The council are trying to get us to pay the council tax for the time that we didn't live there, six weeks in all until the official…
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Public Liability Insurance - Tenants obligation
I can see why a landlord might want this - say a tenant got hurt because of ill repair but why would my new AST agrrement state the tenant is responsible for arranging this?
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tenant unable to use kitchen
Hi All Please can someone help. I started renting this house at the end of March this year. We're paying £1300 rent. The kitchen cupboards are unusable - there is mould and damp in the wall, they're broken and there's mouse droppings everywhere. It smells so bad of damp, condensation, mould or whatever the foul smell is.We…
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ccj from tennancy
A ccj that was registered in 2010 that i had no knowledge of.... If we contacted the court, today in 2013, to see where the ccj originated from etc... would it still be statue barred & drop off in 2016? 6 years from date of the ccj? Or would it be 6 years from ringing the court as they made a note of conversation in 2013?…
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Survey tomorrow How long before we hear>?
Excited and scared all at once as its the only thing really that might make us reconsider. We are having a homebuyers survey with the mortgage valuation by santander, I think they might use Eserve, Anyone know how long before we might get the report? Will santander know before us the valuation? Tia xx
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About to exchange; buyer doesn't have the deposit
Aaaargh! Thought we'd cleared all the hurdles, and were ready to exchange on our sale and purchase. Now our buyer doesn't have the deposit for his 90% mortgage - he had the money, but a family emergency means he is now £15k short. Crazy thing is, we have the money but don't seem to be able to bridge the gap. Even if we…
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buying a show house
Hi, I am interested in a 3 year old show house. The developers are asking for £400k for it, but as it is second hand, can I offer less for it? What would be a realistic reduction for the property? Many thanks
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Conveyancing Issues
I instructed a firm of Solicitors to work on my purchase approx 4 weeks ago and applying for a mortgage with Yorkshire Building Society. The solicitors assured me that they are on their panel and gave me their panel number. Yorkshire BS then told me that their panel number was dormant and would need to be reactived. I…
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Buying a leasehold flat
I'm going to view a leasehold flat today.what are disadvantages to being a leaseholder,and has anyone bought the freehold of a flat. It has 100 yrs left on leasehold
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Reasonable time to receive keys to a property
Hello all, So I am renting a new property from 1st July. I have hired a van for the weekend and have to give it back at 1pm on the 1st July. My lettings agents just contacted me to say I can have the keys to my new property at 4.30pm on the 1st July... I really don't think this is fair, especially as it is so late in the…
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How do i access equity to buy 2nd flat
I am in my 40s, living in london and working in the arts and have only recently (one year ago) managed to buy a flat due to combination of a family inheritance and a couple of unusually well paid jobs. I bought the flat for 195,ooo and having spent about 30,ooo on renovation it is now worth about 260,000 possibly a bit…
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update
well well well..... this is an update on my tenants situation. if you dont know, the tenants said that they has paid their solicitors my rent and that they will be in contact in due course. they still havent paid the rent which was due 22nd may - so i went round there saturday to check the property out and just have a chat…
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Dodgy Estate Agent?
I have just discovered from my tenant, who left on good terms after many years one month ago, that the Estate Agent that we used organise holding the deposit has not paid her the deposit and is un-contactable. She quite rightly wants her deposit back, but what am I to do? The sister branches of the same estate agent say…
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CCJ for outstanding rent against dissolved company?
Hi there! My ex-landlord took £700 pounds from me in overpayments of utilities and frankly wished me "good luck" in getting it back. I have confirmation of this from himself in the form of an email so I decided to have a CCJ put in place against him. However the CCJ names a company and address which was used to Counter…
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Undervalued House & Arrangement Fees
We're trying to buy the house that we've been renting since 2011. Due to our tenancy, ease of sale and avoiding estate agents, a discounted sale price has been agreed of £305K. This was a bargain for us and we expected to have to pay more than £320K. We've got the 10% deposit together and a mortgage agreed with HSBC. We…
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Best way to make my wife joint owner, advice please.
Hi we bought our house back in the 1990's and will soon hope to pay off the mortgage. when we bought it we were just partners, now we are married. At the time it proved easier to buy the place as a single person with a reasonable job rather than include my partner and her 2 young kids from a previous marriage as it was…
