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FENSA - what's all the fuss about?
FENSA - what's all the fuss about lost certificates? I ask because it's easy to download a replacement certificate from the FENSA website, and it only costs £12. My solicitor was all set to hold up exchange pending production of the certificate, but if it is this easy why bother?
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Survey issues not highlighted to us
We're currently selling our house and the potential buyers have had the survey done. A major issue has come back regarding a badly supported chimney following removal of one of the chimney breasts by a previous owner. Our original Homebuyer report from 2001 states the chimney is adequately supported. I've had a builder…
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NHBC - What does it cover
Hello Everyone, Sorry for the silly question. I've just purchased a new build home in Wiltshire. I get a 10year NHBC warranty, but i can't get a straight answer what exactly is covered? Is it just the structure? Or will it cover the walls (cracks), windows, pipes etc? Thanks in advance. Darren
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Renting to family member....
We are taking out a new mortgage (interest only payments) on a new property and want to rent our old property (mortgage free) to our son. We will be asking him to pay rent to cover our mortgage costs etc. What are the tax implications? Will we have to pay capital gains tax? Advice appreciated!
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Notice period
I am currently in rented, on a statutory periodic tenancy. I am looking to buy, but the chain on the house I own jointly with my ex recently broke, a new chain is now complete and assuming our very patient buyers are still good to go, completion should be early May. Not surprisingly, give the buoyant market and the…
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Legal standing to move out at end of fixed contract
Hi all I posted once before and got some very good advice about buying my first home and moving out of my rental property, but my solicitor has just spooked me. Long story short, renting on a fixed term contract which ends on 7 April. Buying first house, and now almost ready to exchange contracts and ideally complete in…
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Section 21
We have given a section 21 to vacate our property by 12 April 2014, all ok we have found another property to rent , all references done apart from the landlord of our property, now our landlord went into receivership and our tennancy is now being handled by solictors, if they do not give us a reference soon we may lose the…
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Can I buy out my ex? Remortgage
Can I get a mortgage working part time on A house worth £130000 if I have a £60000 deposit?
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Changing names on a friends mortgage
Hi everyone! I'm completely new to mse.com and also to forums so this is my first ever post! I have a friend who has a joint mortgage with her partner, they have now separated and I was wondering whether it is possible to change his name to mine on the title deed. Although it's in both their names she paid the full deposit…
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Rental Arrears Dispute
Hello everyone i am currently having a lot of trouble after moving out of my first ever rented place. Here are the details: My partner and i moved out of my parents place on the 22nd feb last year and had a 12 month tenancy set up through a management company, i have only ever had contact with my landlord twice the whole…
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Cold Feet - is this normal?
Hello everybody! So the time has finally come, after all my pointless panicky threads, we have finally been given a completion date. Contracts all signed ready for exchange, ready to send off. Went to view the house one final time on Sunday, had a good look round and suddenly it hit me...a huge wave of complete terror. I…
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Pricing to appeal to BTL investor
Debating whether to sell our BTL flat when the current tenants leave in a couple of months. What sort of price bracket would it need to be in to appeal to a BTL investor, with a gross rental income of about £500 pcm? (Note - it's a 2 bed flat with quarter share of freehold, if that makes any difference).
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Cash buyer taking too long, should I pull out and readvertise?
I am in a real predicament at the moment.... :'( After a marriage break up, my ex promised to support me and my son by continuing to pay the mortgage. Sadly for the last 2 years he has hardly paid anything and there is arrears on the mortgage plus he asked for several mortgage holidays. After worrying about this every…
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First time Tenant help!
Hello, I've been reading this forum for years, and finally registered in the hope that some of you knowledgeable people may be able to help me out! We are looking to rent our first property, and was looking for a relatively long term let. However, after finding some properties we like, they all insist on a 6 month AST. I…
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Selling to pay off debts?
Hi all, I'm a newbie to these boards so forgive me if I've posted in the wrong place. I've basically got approx £50,000 of debts :eek:. These are no-ones fault but my own but I desperately want to get rid of them. These have built up over time and tbh are getting out of control. I own a house with enough equity in it to…
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what would you purchase
I often see 2 bedroom flats/maisonettes for the same prices as 1 bedroom houses. The flats are leasehold which is a disadvantage. So I was wondering what would you go for at the same price, a 2 bedroom leasehold or a 1 bedroom freehold?
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Solicitor problems?
Good Afternoon, My OH and I appointed our solicitor the day after our offer was accepted on the house we are buying, which was 21st Jan, filled in all the forms they sent us etc and paid the up front fee. We rang them last week for an update to be told they had not done anything because they hadn't received the paperwork…
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You Could Get A Bargain In The Innuendo
We've skirted this topic before, but now a piece of research has attempted to test whether houses in streets with rude sounding names are actually cheaper than comparables, and it seems they are: http://home.bt.com/news/uknews/rude-street-names-cut-house-prices-11363879231955 No sign of Hornyold Road in Malvern, or my…
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Shared driveway
After some advice please: I live in an ex-council house (which I have bought) it has a shared driveway with 2 garages at the end, the house next door is still council. The tenant has reported a crack in the driveway to the council. They came and said that they will need to do all of it which I am legally obliged to pay…
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Can I buy my LL's house on a rent-to-buy?
A friend of mine recently moved into a house as a private tenant, he claims to be in a rent to buy scheme with his LL where part of his rent goes to the LL and part goes into a pot that after 5 years will be his deposit on the house. Then he will get a mortgage for the rest, effectively buying the house off the LL. I'm not…
