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Nothing on deeds of who pays buildings insurance
Im in the process of selling my leasehold flat, and my solicitors today have called and said there is nothing in the deeds about who is responsible for paying buildings insurance. I've lived here for 10 years and its always been part of the ground rent/service charge (and is broken down in the 6 monthly invoices) but…
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Landlord Demanding Guarantor! Allowed?
Hi all My partner and I are in the process of applying for a rental property following the sale of my property. The rent PCM is £550 and between the two of us our gross annual income is around £38,000. The letting agent has said that the landlord asks all his tenants for a guarantor which we don't have a problem with, but…
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Can I insist on a boiler service for my house purchase
Hi there, I've hoping you can help, I'm a FTB due to exchange on a property next Friday. The property is approx 28 years old and one thing my solicitor has suggested, the vendor should get the boiler serviced. There is no record of it ever being serviced so can only assume it is as old as the property!! I'm just concerned,…
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Garden office as fixtures and fittings?
Would offering £20k for a garden office as a fixture and fitting cause any problems? It has heating, lighting and insulation, and apparently cost £26k a couple of years ago. I ask because we are trying to find ways to negotiate a price reduction with the house we are buying - our chain broke down and the offer we have…
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Many questions - remortgage, bad credit, equity transfer etc etc
This might take some time. What I want to do is simple..I suspect the process of getting it done will not be. I own a flat jointly with my ex. He hasn't lived there for 10 years. My current chap moved in 4 years ago, and although he paid a small sum to cover council tax and some of the bills, I have been paying the…
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Offer accepted subject to vendor finding a property?
Finally had an offer accepted on a house that I love-got that tingly feeling when I viewed it :) I accept that the sale is subject to the vendor finding a property to buy. What concerns me is the EA said there isn't much about at the moment for what he is looking for. This is right as I have looked and there just isn't…
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If I make large purchase using my debit card will
That affect my receiving mortgage funds? I'm only looking to spend like £700 using my debit bank card to pay for appliances so wondered it wouldn't affect my credit as I'm not using credit card but just normal bank debit card as I have funds in my account to pay for these.
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Land registry fee?
Hi I am going to be gifted a property and am not sure what LR fee should be applied - the property is worth around £700k, has no mortgage and 100% of the property is to be gifted. Any ideas?
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How many mortgage advisors did you see when you bought your first house?
How many mortgage advisors did you guys speak to before settling one to deal with for your mortgage application? I've spoke to one broker at London & Country through recommendation of a friend and they have been mega helpful so far and very convenient. A local estate agent convinced me into talking to one of their brokers…
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Ex buying me out. How does it all work?
I was with my ex for 7 years before we split in 2009. After a few months of awkward living, we've essentially been flatmates now since then. All bills are split 50/50 and its come to a time where I need to leave the property. Its all very amicable (I guess up to now!) Where he is going to buy me out of the house and he's…
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Buying a freehold holiday home plot
We are looking to buy a freehold plot of land on the South Coast, the seller doesn't want to use a solicitor, I am happy not too as long as I find out all I need to do. He is not doing anything, I'm not sure he is even that bothered about selling, which is another reason I don't want the expense if he is going to drag his…
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Landlord taking deposit in lieu of one persons rent
Hi, Apologies in advance if this is a frequent question, but I thought it would be best to share the specifics of my situation. I'm looking for advice on how to best proceed in this situation. I have lived in an HMO flat on a short assured tenancy agreement with 5 people, one of whom moved out in January and did not find…
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Safety glass in rental property
Hi Just wondered if anyone can help? My husband and I are about to become first time landlords.We have had the survey on the BTL property we are buying,all is well,no issues that the mortgage co are saying need fixing as condition of mort,but one point was mentioned was that there are a couple of ground floor internal…
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Paying sellers lease fees?
Hi, Just wondered if I could have a little advice. Just about to buy a flat leasehold. I have one query which is on the contract(not the lease) that the seller is asking me to pay £125+ vat as a contribution to supplying my copy of the lease. Is this the norm? Thanks Chris
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Vendors solicitor trying to tie us into unreasonable T&Cs on house purchase!
Hi everyone, We're practically at the point of completion on purchase of a bungalow. The problem all the way through this purchase is that the vendors did not have the necessary building regs cert. They have tried every way to weedle out of getting it, mostly by saying we're the ones with the problem and we should just…
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s21 question
If a tenant is served an s21, and chooses to live before the date specified, do they then have to give notice to leave?
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buy a house with company loan?
-issue solved-
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Disabled wife, cant get in or out of our home or attend to hygiene, no joy with counc
Hi all, I'm looking for some advice regarding our local authority in Scotland and my disabled wife who has been on their transfer list for over a year now. My wife has been unable to get up or down the stairs to our house for a few years now and has had increasing difficulty managing her hygiene and although our…
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2 months notice penalty fee - Terminate Tenancy Agreement
Hello, My first tenancy agreement will expire in one and a half months. I will not extend this contract because my fiancee just got a new job far from our current house, so we will move out. Y informed my agency about terminating the contract, but the have informed me that because I should have given them 2 months notice I…
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Deed of variation to leasehold flat
Hi I'm currently in the process of selling my leasehold flat. About 6 weeks ago the purchasers solicitor requested my solicitor draft a deed of variation in relation to forfeiture provisions in the lease. Only now has my solicitor mentioned that they will charge me for this (£250 + VAT). The freeholder hasn't yet agreed to…
