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Being a cash buyer
Hi all I am in the lucky place of being able to buy a house as a cash buyer, having just sold mine. I've seen one I like and am about to put in an offer. Previously I've just bought houses using mortgages etc and just followed their lead. What I want to know is what sort of survey I need, where will I find a surveyor, what…
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Adding names to title deeds avoiding probate
My mother owns a property outright, and a second property with a mortgage as a buy to let. She is currently on end of life treatment, expected to live only for a couple more months. My brother and I are to inherit equally, and have been advised to take out power of attorney, which has just been done. We have also been…
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Drafts, low humidity and feeling cold
We moved from a fairly well insulated place, such that on a wet winter's evening the humidity level could easily be 70-80% with condensation on the windows, to a place that has a few drafts and a noticeably lower humidity, usually around 50% in most of the house. We're identifying where most of the drafts are (e.g. gaps…
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Natwest turnaround time
Hi guys, what sort of turnaround time would I be looking with Natwest, assuming fact-finding + application is done on day zero? How long would it take for my solicitor to receive a mortgage offer? How quickly can they do a valuation and which surveyor do they use? Thank you.
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Returning rent money
Hello I recently took in a lodger on a Monday to Friday basis, it was short term of 6 weeks as that was all his contract was for. He had come to view the room some weeks previous and liked it even though he hadn't had the job offer, he left a cheque for the first months rent to reserve the room in case he did get the job.…
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Tax return on rental property?
Hi I started renting my property out in February of this year. I was unaware I would have to fill out a self assessment form even if I am making no profit on the property. Have tried to do this now, and the deadline for it is the 5th October will penalties for being late. What to do? any help much appreciated Thanks,
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what should a LL give me
say I was to move in to a house tomorrow, what must the LL give me or do to be legal I know the deposit has to go in to a bond scheme, but does he have to supply me with safety certificates for ele, gas, energy performance for the house, etc
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Would you get in touch with the previous owners of your newly bought house re:issues?
Just wondered about this one & wondered what others thought. The survey brought up damp issues in one room. Got the wallpaper off & saw it was bigger than the survey suggested. Got someone out to look at it which said it was bigger still. There was a big water stain in the bedroom which suggested leaky roof. Had a roofer…
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Value of indemnity clause on sale of land
My father has just sold some land and his solicitor has neglected putting in a covenant to the contract claiming a 30% charge on any uplift in land value based on planing permission being granted in the next 25 years. There's a letter confirming this requirement from the estate agent and the solicitor isn't arguing about…
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Abandoned sewer - off putting buyers?
Hello I posted about this issue once before and got helpful replies, but I have worries. I have had an offer accepted on a house. The house was built about 30 years ago (the building company is no longer in business) The owner knew nothing of a sewer underneath until a previous buyer pulled out when a sewer was shown on…
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Urgent issue with coach house owner and insurance
We are currently due to complete our house sale this Friday - 13th and our buyers Solicitor has asked that we obtain the insurance certificate showing the actual garage is insured for our leasehold garage from the coach house owner as it's situated under their home. The owner provided us with an insurance document and we…
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House buying and new phone contract
hi, I'm due to exchange hopefully before xmas on my sale/purchase. mortgage offer is in, I want to start a new phone contract, that will probably show on my credit file at the next update, is it advisable to wait until after completion?
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No keys to my new house.. where do I stand?
hi all, I was wondering if I can pick some brains, I am new to this house buying lark but understand the following isn't acceptable. basically I completed on a house yesterday, I went to the estate agents to collect the keys and they couldn't be found. in the checking out book they were last handled in November but…
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Utility Meter Covers???
Hi there, Im renting a property and currently in a dispute with my landlady. I had my utility meter box covers vandalized. One was ripped off and snapped into three pieces and other ripped off at hinges. Which I have logged with the police and they said as Its not my house I cant report it the landlady has to. Shes…
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Can you do your own conveyancing with a mortgage provider involved?
Hi Guys Just wondering the above, would be great to save some fees. I have heard from other posts on here that you can do the bulk of the conveyancing work yourself (after reading a few books on the subject) and then hand the papers into a solicitor to check them and submit them to a mortgage provider for a fixed fee, this…
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What is your preferred heating system in a rented house?
We are currently buying a house to let out which has a Parkray back boiler using solid fuel (coal). We are currently undecided about whether we change the current heating system or not. We were wondering what type of heating system tenants preferred? The choices are: a) Parkray back boiler fuelled by coal, with an…
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Buy to Let Mortgage help!
I am looking for any useful advice on Buy-To-Let mortgages :) Here is my situation: I'm 21. I currently have £5000 in savings. I work full time, although on a 0 hour contract, i tend to do 30+ hours a month at work. My wages cover where I live just now as well as living costs. Looking at flats around me to buy for let -…
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Is this garden slope of any concern?
I have seen a house and liked it. But it's garden is higher than base of house with a slope towards the house. I attached a diagram below.! Is it of any concern for rain/drainage etc?
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house with unusual layout
i viewed a house today and quite liked it. the layout is unusual ie there is a kitchen and lounge on the first floor. One bedroom on ground floor; one on first and one on second. is this likely to put anyone off if i want a lodger or want to sell in the future? The entrance is on the ground floor.
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What are the appropriate searches when buying a flat?
Hi all, what things do I need to be aware of, like chancel repair liability or lift maintenance? (yes, there are lifts!)
