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Shared ownership
Hi guys I am a first time buyer and have been reading up on shared ownership. It appears quite promising but being the cynical type I cannot help but thinking that there are some 'gotchas' in this type of agreement. Has anyone purchased a house via shared ownership ? And once you have purchased the house does it become a…
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Reasonable offer?
Sorry I know people are always asking the same question on here so I hope this isn't boring but... I am interested in a property on the market for £299,950. I am in rented accommodation and nothing to sell to fund the house purchase, due to family kindly offering a short term loan until my property sells. I have a large…
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Panic till Monday!
I'm in the process of selling/buying. I chose to pay all fee's at the back of the sale, here is my problem. I am unsure if i covered the fee's when applying for the new mortgage. Figures are, 33k deposit from sale of my current home this after paying off whats owed. Leaving 66k to borrow. My fee's are 2.5k for the estate…
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Backdated Leasehold ground rent
We have a leasehold house, which we purchased at the end of December 2012. The new lease managers have just done a review of ground rent, which they are entitled to do (8 years after commencement of the lease). They have sent through an invoice for the backdated increase (to Jan 2012). I assume I wouldn't be liable for…
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Tenants in common, sale of part or splitting property?
I own an piece of land as equal tenant in common with a distant relative. My relative decided she wanted to sell her half. I offered to buy my relative out, but queer old thing that she is, she has now decided that she would prefer to sell to a third party (the man who owns the land next door!). I do not wish to be joint…
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Failed Electrical Report - who pays?
Our mortgage lender requested that we get an electrical report done as a few things came up in the initial survey that they wanted to check. We got that sorted straight away and the electrician advised that the house had failed on a number of basic safety issues and some needed to be resolved immediately. We sent the…
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North facing houses (in Scotland)
Hi, I am thinking of a buying a north-south facing property. It is a three storey victorian townhouse. To the front (south) is the entrance vestibule, hallway and staircase, living room (1st flr) and bedroom (2nd flr). To the back (north) is the kitchen (ground flr), guest bedroom (1st flr) and master with en-suite (2nd…
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Landlord in receivership and letter of determination
Hello. I am new here. So my landlord went bankrupt in May and a receiver turned up. Turns out we had never met the landlord and the man we had been dealing with for our rents was running his own company contracted by the real landlord to manage the property. The house we reside in is on three floors. Each floor has a…
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Lean to without building regulations?
Hi I've seen a property I like but been told by the estate agent that the lean to doesn't have building regs. What does this mean for me if I buy it? He says he thinks it's been up about 7 years. I asked if I applied for the building regs and the council said no, would I have to pull it down and he said 'possibly'!!!!!…
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House advice - dispute with ex
Hi, have turned to advice on here as there seems to be a lot of useful help. Been to a solicitor but not really getting anywhere... Bought house with ex girlfriend, her parents gave us a 'gift' towards the deposit which they confirmed in writing (required by mortgage co). 3 years later we split up and I (naively) signed an…
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Nearly in a position to buy a house...at last
Hi all, Thankfully after renting for 7 years and saving for a house for the last 4 years. In a few months time I will have enough saved up for a 10% deposit. As of yet I've not seen a mortgage advisor and I would like to know peoples opinions on this, if possible? Do people feel they are worth it, do they charge etc? Also…
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wanting to rent out house but mortgage lender (platform) refused consent to let-help!
Hi everyone, My partner has been offered an exciting new job in Kenya and we want to go and live there in approx 6 weeks. I have a residential mortgage with Platform/Co-op and have had this since May 2013 but I have had the property for over 7 years and remortgaged recently to get a good fixed 5 year rate. I called…
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In praise of the Coventry!
Very impressed with the Coventry Building Society. The mortgage application was very straightforward and all done by post; two weeks later we got the approval. No long interviews, no 'hard sell', no BS. And when we needed to change the amount following a revised price due to survey issues, this was done in a few days. I…
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House with car port
I'm in the process of buying a house which has an open 'car port' rather than a garage. Not a big deal for me as my previous house only had street parking anyway, but I recently discovered that the car port is leasehold although the drive is freehold. There is a coach house above the car port, so I assume that this is the…
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I'm paying for someone elses private parking
I own an ex council house which when transferred to private ownership had a number of conditions placed upon it. One of which was a responsibility to 'pay a contribution on demand' for any maintenance to any common access way. One such area is a forecourt for a block of garages owned by the council. 2 signs are erected in…
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Landlord entered property for purpose other than we gave permission for
Hi All, We were recently out of the country for a month during which time we agreed to the landlord entering with an electrician to carry out some work laying a cable along the full length of the house that was a necessary activity to make the circuit safe (joining to radials into a ring). The landlord called us on the…
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My mortgage adventure
Hello! i've been lurking for a while now, thought i should get writing! I'm 21 and currently buying my first flat with a mortgage from Nationwide. Four weeks on, i've had the offer accepted, applied for the mortgage and received my written mortgage offer. All going well so far! I'm on holiday next week (the last one for a…
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Expecting too much re replacing mould on kitchen units
Hi All, my landlord finally got round to getting the kitchen having the damp course done four months after I'd told them I couldn't use the units as they were rotting with mould. The old units were taken out, put in the garden and the plastering done. The gross thing is they're putting most of them back in and will be…
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Countrywide conveyancing....
We are paying cash for our new house and the vendor is using countrywide conveyancing. We had an original completion date of 11th July because we were getting kicked out of our rented apartment on the 15th. A week before, our solicitor said we were ready to exchange and we transferred the money for the full house price. CC…
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Tempted by a house but small courtyard garden....hard to sell on??
Hi We've seen a 3 bed victorian house which we love, its in a great area and has a garage which is v rare for the area. It needs some updating throughout so we would offer accordingly. Agent says it has been on the market five weeks but no offers yet. The issue is it has a small courtyard garden, others in the area have…
