-
Part rent part buy or buy outright Please help
Hi i really need some advice i have recently split with my partner, when his house is sold he will be giving me a lump sum of about £130.000, our 2 children will be living with me, i have been looking to buy a house but prices have gone up in our area so can only really afford an old house, 2 bedrooms, and not a nice area,…
-
Valuation lower than expected - anyone else seeing this?
We're currently doing battle with the crazy London property market - which, as we all know, is skyrocketing. We had the building society's valuation done yesterday, and got the report through today - and the value came through at around 15% lower than our offer price. The notes included the line "The purchase price is…
-
TV Noise - Downstairs Neighbour
Hi all Looking for some help or advice Been in my current property for 9 month now and just about had enough if my downstairs loud TV noise. We have done the following: Carpeted the whole flat Had cavity walls insulated Invested in soundbar for TV Invested in white noise machine Put notes through her door Spoken with our…
-
Right to buy help..
Good evening, I am after some advice about the right to buy and any hidden costs I may not be aware of. Background info is that I have lived in my home for 12years and am now in a better financial position to consider buying it, however as it is just my income, would that go against me on a mortgage? I am single parent to…
-
Stamp duty on multiple purchase.
Hi, Sorry this had to be my first post but I have been lurking ;) I have agreed to purchase 2 buy to let property's ( next to each other same seller) I am getting them at a hugh discount and am putting most of my savings into the deposit to secure them. The way the deal is going through is property A is valued £125000 and…
-
HMO licensing
DD leased a student property last year which we understood had a current HMO licence. lTest inspection requires quite a bit of work done within 7 weeks! Is this new legislation or chance property was not up to standard when leased. Landlord's agent is using "reasonable notice to undertake necessary works" but students are…
-
How do i deal with utility companies when moving in?
Dear all First time buyer here and me and my wife will be handed keys to our new property this Friday, we just come back from speaking to the sellers regarding various bits and I asked the question about what happens with the utility companies and the sellers informed me that they would take readings on the last day and…
-
FTB - Electoral Roll
Hi, We are on the E.Roll but at our old addresses. Our Local Authority have had our change of register forms since October 2013 but do not update the register until February 2014 (17th to be exact). We have tried everything in our powers to get this changed, everything, but they say they can do no more than send a proof…
-
Homebuyer Survey come though - Looks scary!
We have just had a homebuyer survey come through for a house we have put an offer on and it looks to use pretty bad with 9 category 3 items! The house was built around 1890 and we are first time buyers and have no idea if these sort of things are expected in a house this age. We have had an offer of £136000 accepted and…
-
Is this a good idea?
I have been trying to sell my house for the last 3 months with no joy. My sister has offered to buy a share of my property to enable me to free up some cash so I dont have to be so skint every month. What do other members think ? How would we register her share of the property? Or would her loaning me a sum of money and…
-
Find long term, rural lets, by private owners?
Can anyone suggest good places to find rental properties offered direct by the owner, preferably rural/ small holding type places, and long term lets? It's so hard to find any stability these days. We've rented for the last few years while trying to save up to buy , and keep getting forced into 6 or 12 month short lets.…
-
What to do? job or property
Hi, I have got into a tricky situation. I had been trying to buy a property since last 1 year. Have finally found one and offer has been accepted. Submitted docs to bank for mortgage and paid initial fees to solicitor. Now here's the clanger- I had applied for a job(will need to relocate to a new area) long time back and…
-
Disposal allowance for inherited properties
Hello, I need to sell an inherited property and understand I will need to deal with capital gains tax. However, I have also heard about ‘disposal allowances’ relating to selling inherited properties. Having searched I cannot find use of the phrase 'disposal allowance', does anyone know what this is? Does it combine or…
-
2nd charge on property - HELP!! Advice please
Hi I am desperate for some expert advice please. My husband and I have just sold our property and are ready to move this weekend however, 2 weeks ago our solicitor advised there was a 2nd charge on the property that had to be sorted out. The 2nd charge was taken out in 1988!! As far as we are concerned this was paid and…
-
Tenancy details issues
Hi all, I'm not sure if this is the right place for this but I'm a bit stuck. We have took on a new tenancy and the place is bare so we are looking to put up blinds etc but landlord has now said we can but as long as we don't leave holes in the walls so not sure where I start with that now? Sxx
-
Trying to find a house to buy...
Hi all. This is my first post. Have looked online, but can't find much advice on my bright idea. So, our situation; we have accepted an offer on our house and hope to upsize before starting a family. At the moment the market seems to be hysterical and we have missed out on a few houses due to open houses and 50+ couples…
-
Estate Agent problems
I have recently sold 2 houses through a local estate agent and have issues with both deals. I wonder whether anyone could advise?.... House 1 (our family home) was on the Market for 2 years during which we had several issues with the agency. The house was empty as we had already moved out so the agency held the keys. On at…
-
Landlords Insurance, what cover?
I own an apartment which I shall be soon letting out - unfurnished (no contents insurance required on my behalf). I have contacted the management agency who have informed me that they cover the buildings insurance for the whole building but that I may require 'rent guarantee/loss of rent' insurance? Please advise. Thank…
-
Rented house with mould - what are our rights?
Hi there, Myself & my partner moved in to a house mid Dec 13, about a week after moving in I noticed mould appearing on the ceiling and wall (where the two meet) and also around the windows in the bedrooms. The house is mid 1800’s so not a new build! There is no extractor fan in either the kitchen or bathroom and I have no…
-
Power of Attorney and house purchase
I'm shortly to have the power of attorney for a relative who's 87 and just moved to a nursing home. The property needs to be sold to pay for the fees but I'd like to buy it but am worried this may not be allowed. Would I in effect be buying a house from myself? Would it be advisable to have a third party involved? And how…
