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Structural Engineer or Chartered Surveyor, Mortage Retention issues
Hi I am a newbie looking for some advice please all welcome I have just had an offer accepted on a 3 bed victorian terrace i Erdington Birmingham. I just recieved the mortgage valuation which states there is a recommended 2500 retention though accordining to the small print they will still lend me the full amount. The…
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Renting two flats for work: possible implications?
My partner has accepted a job in Sheffield which will start in a few months; I will be staying in my current job in London. Its a great opportunity for him, and we've agreed that being apart mid-week for a couple of years will hopefully improve our shared prospects in the long run. We're hoping to keep renting our current…
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Areas to buy in North London
Myself and my partner are looking to buy a 1-2 bedroom flat in North West London. Our budget is in the £300-350k price range and close proximity to a tube station is vital. We are confident that putting in that money should get us a place in an area that will safely increase in value over the next 3-5 years+. We are…
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EA ethics
I have noticed that a couple of houses that I woud like to view are being sold through an estate agent who are also the letting agent for the flat I rent. It's a small company, the left hand almost certainly knows what the right hand is doing. So if I ask to view these places, the letting agent will discover that I am…
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Right To Buy Scheme - Questions
Hi there, I'm looking to purchase my council house using the right to buy scheme and one of the rules is that you must have been a council tenant for at least 5 years to qualify. My question is does being a council tenant mean the number of years living in the council property or the number of years actually paying rent,…
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A bit of advice on tenant's rights after a break in
Hi All, Last week, my sister in law had a break in at her apartment. She lives with another girl in a ground floor flat in a rough area in the midlands. They had everything of worth stolen; ipads, cameras etc. They foolishly didn't have any contents insurance, and have accepted the fact they won't get their belongings…
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Trying to find out who owns strip of land next to house
Hi all, I am hoping someone can come along with some advice for me... Basically there is a strip of land next to our house that we are interested in buying and so need to find out who owns it. I have had tried the council, but been told they do not own it and been referred to Land registry. However when I look on the land…
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Buying Repossession: Owner unaware property for sale?!
We initially looked at this property (some farm barns) last August, but unfortunately weren't in a position to buy. Subsequently the property was repossessed, and the Agent accepted our offer last week. They want us to complete in 14 days! But the agent has told us they are not going to tell the former owner until the 11th…
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Freehold purchase : Block of flats.
After a fair bit of research I have establishedthat in order to purchase the freehold of an apartment block of more than 2flats, at least 50% of the eligible leaseholders must participate. Question 1: Where 8 out of 24 flats are sharedownership/Housing association – does the 50% rule only apply to the remaining16 flats?…
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Being messed around?
Hi - we had an offer accepted on a house over six weeks ago (on the basis of everything going through quickly as our house is sold and we have had one vendor pull out on us which has delayed everything once already) and our solicitors have still not received any paperwork from the vendors sols! The vendors sols have…
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Experiences Living Next Door to A Shop
Hi All, FTB looking at a house today. It seems lovely from all the pictures but its next door to an off-licence and I was wondering if anyone has lived this close to a shop before? Its a residential area in a suburb so its not like its on a busy high street. its just a corner shop in the middle of two houses. I think we'll…
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Buying in a not so great area-is it worth risk?
When you're trying to buy in an area of your preference but find it harder do you then try for the not so nice area in the hope there will be that ripple effect? My dilemna is whilst struggling to buy a 1/2 bed flats in South/East croydon with private garden on ground flr I've now come across a 3 bed house which needs a…
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conveyancing + surveys in Manchester
Hi, Can anyone recommend, a decent honest company/ individual for a buildings survey in the Manchester are? Also looking for a conveyancing solicitor. I thoughtI had one sorted (someone who's done the job for family before so can be trusted) but he's not on the mortgage lenders board. It seems that nowadays most mortgage…
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Structural Work on house undergoing subsidence claim
Hi All, I need some advice on subsidence claims. We are currently on the 'monitoring' period and I have come across an opportunity do carry out some renovation work for a reduced cost. The subsidence is on the front corner of a semi-detached property. I was thinking on removing two supporting walls from the ground floor…
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Not an ast?
Can someone help me out please? I used spareroom.com to try find a new place, the first place I saw the LL was a live-in but her insurance wouldn't allow anyone with a criminal record ( which is very broad term and I've never seen anything like this ) but anyway I understand that in that circumstance I'd be a lodger. The…
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Fixed Fee Conveyancing, being charged extra fee. Advice wanted
I received the following today from solicitors acting for my house purchase. Another firm acted for the sale. Both on fixed fees. Surely can't be fair to ask for money when this was not of my making??:mad: Any Advice? I have today received a letter from the solicitors acting for your sale. As you are aware there was a…
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White goods in rented house??
HI All I have after many years on my own met a lovely man to share my life with. We are moving into a new home soon, and I am going to rent out my house unfurnished. I keep getting told different things about what items you would expect to find when renting an unfurnished house. First I was told curtains, blinds and…
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Income Protection
How does the unemployment part of income protection work? I am a first time buyer and like most will rely on my income to pay my mortgage. Therefore I am going to get some income protection. My mortgage will be 3.5 times my salary. What happens if I receive a pay cut (I don't think this will happen), but I like to prepare…
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Seller's delaying?
This should read buyer's delaying I'm the seller. I've never sold a house before so if this sounds stupid sorry, but here go's we are selling are home we accepted an offer back in October was asked if we'd be happy to complete before Christmas we said yes. Well its still going on now I was told we'd exchange this week but…
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why isnt councils and HA's building 1 bed's?
Just watched a (now bit dated) dispatches documentary on the bedroom tax, there was numrous parts of the program which had my interest specifically and that is when they were talking about one bed properties availability vs bigger properties and how many were been built. After I watched it I did a search on the net and…
