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Council Gas Supplier
Need some help for my elderly person that live in a block of council flats. The tenants in the block have their gas meters but the council will not let tenants chose their own supplier. The only reason they give for not letting tenants choosing their own gas supplier is because it’s not their policy to allow tenants to…
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Moving to Buckinghamshire - HELP!
Evening all, I just got a job in a grammar school in Marlow, bucks, and being from France, and having lived in the North West for 3 years I know nothing about the area.Where are the best places to live knowing that I probably won't be able to afford Marlow itself? High Wycombe and Reading look more affordable but what are…
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Open day and making an offer
Hi all, I'm viewing a shared ownership house on Thursday on an open day which is likely to be quite popular, I already know someone at work is viewing it a few hours before me! If all is looking good and I like the property can I make an offer immediately? Trouble is my viewing is in the evening with the tenant and the…
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Right offer tactics when there are other bidders
Hi I viewed a property today which I knew was going to be in demand, there were three other viewings after mine. Similar properties have gone within 24-48 hours, presumably for the asking price or very near or perhaps even over. I contacted the agent when I got home and there are two offers on the table, I have to make…
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Natwest mortgage: Home report any use?
We live in Scotland and the property we're buying has had a home report carried out which is just a month old. I was however charged for a valuation by Natwest. Has anyone managed to get the home report accepted instead?
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How to split up the profit from this house sale
Myself and a friend bought a house together 1 year ago (tenants in common), and we're now selling. What's the fairest way to split the profit? House purchase price: £325k mortgage: £225k person 1 house deposit: £0 person 2 house deposit: £100k Total monthly fixed rate mortgage payments: £1,139 person 1 monthly payments:…
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Last hurdle - unadopted road, indemnity insurance and solicitors' ping pong!
We're at the last hurdle of our house purchase since the offer was put in in October 2013. The last thing that's needed is a statutory declaration by the seller over the use of an unadopted road, and a lack of easement indemnity insurance. There has been a lot of ping pong communication going on between the two solicitors…
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Crossover in moving dates - council tax liability
Hello, in order to secure a property we were keen to rent, we agreed to begin the tenancy approx 2 weeks before the end of our current tenancy. This isn't a big deal, as it means we don't need to rush moving out and putting our existing property right. Obviously, I'll be expected to pay for any utilities at the old…
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House sale about to collapse
Hello We are in the process of trying to buy a house which is on the verge of falling through. We only found out after the survey from our Solicitor that there is a 25 year lease on the roof owing to some free solar panels which the vendor had installed without consent or proper building regs. The vendor has been asked…
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Death in house
I've just found out that in the house we are buying, the vendor's partner died (suffering from cancer) in the house itself. I'd thought she'd died in hospital but turns out she died at home. Obviously it was very sad as she left behind her partner and 2 children. It's not going to change us buying the house but I don't…
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consent to let....a good idea???
Hi all! I will try to keep this brief! Basically I have a 1 bed flat, currently worth £107000, mortgaged on a residential mortgage (approx £78000) giving me 25% ish equity yay! I currently pay £300 p/m in interest @3% and overpay a further £320 on top making a total on £620 p/m repayment type mortgage (35 years remaining).…
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Insurance query on sale
Has anyone any experience on the following? I am selling my apartment which is one of six in a converted Victorian country house. My buyers' lender wants the apartment to be insured for a specific amount but the apartments are insured as a block as opposed to individually. This is making me feel uneasy about the outcome of…
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Help with property research
Hello, I am a final year university student completing my dissertation on the housing industry. I am researching the effect of government intervention on first time buyers in the UK housing market. As part of the research I am conducting a survey and I am keen to gain the opinions of 3 main groups, these are: -Those who do…
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Contract question (nightmare letting agent/landlord)
I've been having a few problems with my landlord regarding the electric metres in my flat, which still haven't been resolved. But recently a big question has come up regarding my contract. For my first year here, I paid 6 months up front at a time. At the time of resigning I requested a couple of changes to be made…
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Buying (hopefully) a house in negative equity
Hi, Just wondered if anyone has been in our situation before ! Offered on a house, offer accepted, mortgage offer done, signed contracts (our side) completion date set for last week. deposit transferred. Bubbly chilling in the fridge ! The two days from the completion date, phone call from our solicitor. Starts with - have…
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Mortgage Vs Loan
Hi Guys, Just wondered if anyone could help me with a pro's and con's to taking out a mortgage to buy a home vs taking out an unsecured loan. Myself and my wife both work full time - We *only* need around 40k for the house, So was wondering if two smaller loans would be better than a mortgage maybe? I'm not sure, so any…
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Should I buy a flat to rent out?
My wife and I are in the fortunate position to have a substantial deposit (£45,000) to buy our first house in York. We will be looking to buy a house for around £200,000 and plan to use all of the money as a deposit, as all the legal fees etc will be paid for from other funds. However, I can't help but wonder whether it…
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Pulling out at a very late stage due to no exchange
Hi everybody, So just when you think everything is going swimmingly, something else comes up... We put an offer in on our property on the agreement that it would be vacated as soon as we were ready and the current occupiers would stay with family until their purchase had been completed. I was led to believe by everybody…
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Tenant forged AST.
I have posted previously, concerning the same tenants - but things have been turned on their head so it seems sensible to start a completely new post. Our tenants left the property 6 months into a 12 month AST. They claimed they had been issued with both a 6 month and 12 month agreement, which our LA strenuously denied.…
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Buying a property near SouthWoodford ,woodford green,wanstead,Buckhurst hill,Chigwell
Hello All, New poster and FTB here, Just started house / flat search in london. My budget is Max 260k for 2 bed flat and 325k for house. I live in west london and dont know anything about East London. Visited these areas and really impressed. With my budget it is very difficult in west london and planning to concentrate on…
