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How much decorating did you do once you moved in?
Did you spend quite a bit on making your place your own? How long did it take? While I'm in planning stages on how I'd like the place to look I don't want to go crazy. For the past decade+ I've been stuck in magnolia walls, which have only ever been painted twice in all the years I've been in my rental flat, I have a rusty…
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Property Auction
I´m looking at buying a house at auction, to be used as Buy to Let I have cash for the purchase and because its auction won´t be able to raise mortgage finance (utilities switched off and 15 day completion) Is there any way of buying the house using a company structure or me giving cash to a (very good) contact, to then…
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Putting house on market for one possible house to buy
We currently live in a very ‘hot’ area for property prices and have been in our house for five years and have been tentatively looking forsomewhere a bit bigger. The problem we have is that, although out house value has increased dramatically, so has everywhere else and we still cannot afford to move to where we really…
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Transfer ownership to lock in capital gain
Hi, My wife and I have lived in our current flat for 7 years with the property being held in my name only. We are considering moving to a new house and converting our existing property into a buy-to-let. As with many London properties the value has risen considerably over the past year. I don't believe this rise to be…
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Newbie BTL landlord to be - any tips appreciated
Hello everyone, I am a stay at home mum and have a husband & two children. We currently live in a small 3 bed house which is worth around £135k and our mortgage (after some overpaying) is now around £89k. We have lived here since Oct 2012. When we moved here we got a five year fix as with me not working we needed to know…
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Is this a massive service error on behalf of an estate agent?
Hi, hoping you can help. Me and my wife are currently letting the above property through an Estate Agent. We feel we've been led completely astray with regards to the misinformation we've been provided regarding our electricity supplier. The paperwork we recd from the agency when we signed the lettings contract stated the…
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Sold STC
Is it just me or are many people finding that there isn't much on the market lately? Also, many estate agents websites have lots of homes with the SOLD STC banner across it. Does this mean there is no point viewing or enquiring about the property if it is sold? If so, why keep it on the website?
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Negotiation following..survey.
Hi All We're selling our house and have recently accepted an offer. The chap who is buying it is himself a surveyor, and has picked up on some issues with the roof structure. Specifically, he reckons one of the main roof timbers across the width of the roof, the ones that span from the gable end to the party wall with next…
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Help to buy extended until end of 2020
If you are not on the property ladder and are located in London & the south east By the end of this year then with this and the influx of Chinese & Russians you have missed the boat. I sit here typing smugly in my property which as increased £75k in 7 months so bite me suckers!
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Land / Right of Way
hi all, I'm not sure if this is the right forum section but it was the closest I could find as it is to do with house. I have a semi detached house which has a vehicular right of way to the left of the house which runs alongside a lawn area to the rear of the house. here our neighbour has a small garage and we have an…
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Architects' Cert / Survey
Hi, I'm a first time buyer, purchasing a 2 year old property. It's one of a terrace of seven, which rented out for the first year before being put up for sale. Couple of questions have come up... 1. The property developer did not get NBHC warranty, despite this being the norm for 80% of new builds. Should this be a…
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Selling a house with the tenancy ending
Evening all. I currently have a tenanted property which I would like to sell at the end of the tenancy (end of May). I would like to put the house on the market as soon as possible because I don't want it empty while a potential sale is (or is not) going through. I will be asking my lettings agent (been pretty poor so far)…
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1883 built flat okay?
I know most new build flats are garbage when it comes to noise bleed-through, and was wondering, if a flat is situated in an old building, is there a lot better chance it will be okay in this aspect? I currently am in a new build flat and it's horrible, I hear everything from the other tenants, to their kid running up and…
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Pulling out of my sale
So unfortunately I've just split up with my boyfriend. The sale of my flat was to give us the freedom to move in together and be on a even keel in another flat, rather than him feeling like a lodger in my flat. I was initially looking to exchange and complete next month just before Easter, but what with the split, this has…
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Sash wiindows & child safety????
We're moving in to our new home in a couple of weeks. We went to the property today to measure up etc. In my daughters room (they're 2 & 4) there is a single glazed sash window. It's only single glazed and is on the 2nd floor! We're getting the windows replaced in a couple of months but what can we do to make it safer…
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Shared ownership yay or nay? (given my circumstances)
My current circumstances are: single mother of one on part time income of £12 000 I have lump sum of £70 000 I live in West sussex and cannot get a 2 bed flat for £130 000 (which is what I can afford based on a mortgage of say £48 000). Average 2 bed prices here are around £200 000 I'm considering shared ownership ..…
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Share OF Freehold - How would the remaining flat obtain this?
Hi Everyone If a converted house has three flats but only two of the flat owners has a share of the freehold how difficult would it be for the remaining flat owner to obtain part of the freehold too? If you own part of the freehold do you still need to renew your lease if it become too short, if so, would it be cheaper…
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exchange tomorrow & new house insurance
So we exchange contract tomorrow (completion 28th march) & our solicitor has said that we needs house insurance before she can sign off the contracts. My question is how can i get insurance in place if we are not at the registered address? we are 1st time buyers so a tad wet behind the ears
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28%/36% rule
My bank says I can afford my mortgage if my total debt is not 35% of my income. My mortgage will be about £560 PCM. I have no other debts. Therefore: 560/0.35=1600 1600*12=19,200 Therefore I can afford my 115K mortgage on a salary of 19,200? This doesn't sound right to me. On the 28% side: 560/0.28=2000 2000*12=24,000 This…
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How to end a tenancy agreement early
My partner and I have been renting a house for 6 months on a 12 month lease. Since we moved in (our first home together) we have had quite a few problems and have realised this house is most definitely not right for us. Added to that, I have got a new job much further away and where we live now is not so ideal as it was…
