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Changing owner of house years after they died
Hi all - try to make this simple as possible. My father has been diagnosed with terminal disease, so we putting his affairs in order now with his involvement of course. My mother and father divorced in 2007 so he could remarry same year (they were separated for a long time but still married). My dad's dad (my grandfather)…
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Regulated BTL Mortgages?
Hi all, I'm looking to shop around for a FCA regulated buy to let mortgage (I'm planning to let to a family member). However, saying they are rare seems to be an understatement! I've found this: mansfieldbs.co.uk/buy-to-let-mortgages the 4.19% one and that's it so far. I'll look into brokers closer to the time (later this…
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Buying unregistered land
Hello all. I am currently renting a small industrial unit to work on cars. There is a large area of land next to the yard that has been sitting empty for some time. It is full of scrap car tyres and rubbish and is overgrown. Apparently it was an old gasworks and I have been told by some of the old boys in the area that it…
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Prostitution in my area.
Hi, I have some obvious prostitution happening on the corner of my road which seems to be a perfect place for them. I have looked out the window tonight and seen three being picked up and it seems to be getting worse.Very obvious.I can't believe there being picked up within 15 mins. I can see the cars number plates but…
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Would this be a realistic timeframe?
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Home Report - Mortgage Valuation Report or not
Wonder if anyone can help because for the life of me I just can't find an answer to this anywhere. In short I'm selling my apartment in Scotland and I'm therefore required to provide a home report. Now I have two options: 1. £230 + VAT - all the requirements of a home report without the Mortgage Valuation Report, which…
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Cheeky landlord
Just a couple of questions to check this is all legal, sadly I expect it is. I'm ending my tenancy, I live in a house with a number of others, we all have separate contracts - we rent our rooms and use of the communal area. My landlord is charging me a £30 administration fee for the return of my deposit. This is mentioned…
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Help calculating CGT on house sale
My partner purchased his house 15 years ago under the right to buy. He and I moved just over 3years ago, during which time we rented the property out. We're finally in a position to sell the property and buy our own home. My first question; when calculating, do we use the market value at the time, or the price he paid for…
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Leaking pressure combi boiler
Hi, I recently bought a flat and originally the boiler leaked from the flu on the outside.It is a 1 year old glowworm combi. Now I have to fill it up manually about every two weeks.It starts at 1.5 bar when full and after about 12 days it is now on 0.5 bar. I originally had a plumber out to look at it and solved the…
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Tenants moving out at end of month, no inventory/deposit
Hi, I have tenants moving out soon. I didn't take a deposit as I didn't want to deal with the hassle of registering it and I forgot to do an inventory list. I have wrote to tenants detailing my cleaning specification but they have yet to confirm or reply. How can I make sure they leave the flat as they found it/make sure…
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Pay rent to letting agent?
Hi I've been renting through private landlords all this time but I'm about to switch to a letting agent. Typically, when a letting agent manages the rental property on behalf of the LL, who should I pay the rent to - directly to the LL or the letting agent? Thanks
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Mortgage chances after dro for shared ownership
Hi all my dro is about to finish and hopefully my debts will all be clear I'm looking at getting at the property market and have seen some homes that are shared ownership and 25% would be about 23k I was wondering what is the odds of getting a mortgage for that I'm hoping since it's not loads of money they will say yes but…
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High ground rent
Hi All, I'm a first time buyer, trying to buy a leasehold flat. As part of the sale the current owners are extending the lease, currently the ground rent is £25 a year With the new lease it will be increased to £150 a year, and will be at least doubled every 20 years. This seems high to me, and I'm concerned that it could…
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Leaving flat, rights confusion
Hi all I sublet a room in London and I have informed the people I rent it from I will be leaving. I have given them the required notice and it all seems quite amicable. The arrangement I'm not sure about though, the people I rent the room off do not own the flat, they got the flat through a housing association and they pay…
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To sell or rent
Just need some advice, I owe £38000 on a house which as dropped in price from £100 000 in the good times to a value of £55-58000 due to area, according to estate agent who says to advertise at £65000 and see what happens. This is Lancashire lol. Renting max I will get is £425 per month and I pay a mortgage of £365 for the…
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High subsidence risk, please help
Hi everyone. We have today been sent all the reports on the property we are looking to purchase. It has come back as high risk subsidence, stating that 10 houses out of 1104 within a 500m radius have claimed for subsidence. What do i do next? Do we just take it as the chance of us being affected could still be slim as its…
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Am I being conned?
Hi, my house is worth £160,000 but I am selling it to my ex for £120,000, that way he gets back the money he invested in extending it by way of equity already in the house. He asked me to also pay the stamp duty which he says is £1,600, I agreed to this as I didn't want any animosity (it's been hard enough dealing with…
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Should I buy? Or continue renting? Advice please
Hi I'm a single , 28 year old, employed male and I have been privately renting for a good number of years now. I'm wondering whether to take the plunge and try and buy a local property rather than renting, so that I have something to show for my money and also a place of my own. My current rent is £300 per month, I have…
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First home & pregnant.
My boyfriend and I have been looking on and off for our first house together since October 14. He had a personal loan to pay off so although we were seriously looking and made an offer on 1 house, we were laid back about it. I have recently found out I'm pregnant and although it would be nice to start the process before…
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Help To Buy Questions - Flexclusives Mortgage
I'm looking to move to a new build house using the Help To Buy equity loan in England with a Nationwide flexclusives mortgage. On the page for downloading the property information form (PIF) is says not to apply for a mortgage until you get the authority to proceed (ATP) from Help To Buy. However, you need to fill out…
