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To Survey or not to survey??????
Hi all, Am in the process of a buying my first house and am using Mortgage Advisor. MA suggested I don't do a survey on the property because its just 20yrs old. Please what are your thoughts on this? Thank u
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Parking space with leasehold flat - should it be shown on plan?
We're buying a leasehold flat in a converted property (one of three flats in the house). There is space for three cars at the front (one each). The three leaseholders all share the freehold. Where does it need to say in the land registry / lease docs that we have a parking space in order for us to be confident that we do,…
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Help on next move as buyer
9 days ago we've put in what we thought was a more than reasonable offer on a 2-bed terraced house. What makes us say it is reasonable is that a 3-bed on the same street has sold 4 months prior for only 5k above our offer, and around 14 months before a couple of 2-beds for around 50k less. An outsider estate agent also let…
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Bought house, Moved in , lots wrong
Hi guys A bit of advice pls. Bought a house and moved in7 days ago. 1st time buyer, and lots of issues, Wondered if ne have any recourse. Oven broken and had to have gas turned off, horrible smell not vanishing after a few days and discovered after lifting a floorboard that we have rat problem so bad we had to drill holes…
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Apply for a Window License!!!
A friend has just bought a flat and the old double glazed windows need replacing some won't even shut. She rang the managing agents who said she must send in a covering note as to what she wants to do along with an estimate and a spec of the windows to be used so as to get a window license from the landlord at a cost of…
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2 months from Exch to Comp.....
Just wanted to gage views on this.... This would suit us.....the certainty of knowing the sale was definite, coupled with the extra time to get our other property ready (we already own it). I appreciate this would not suit all buyers, but just wondered what your thoughts are.....
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Use of garden blocked after year's of using it
I am in the process of trying to buy a ground floor flat. The back bedroom has double doors into a garden and there is fencing from where a section of this garden had been used solely by this flat. The garden is demised to the basement flat in our leases. The owner of the basement flat owned the whole building before…
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Buying a New Build for Beginners
I have recently relocated for work and I am now in the process of looking for somewhere to buy. There are a lot of new build estates in the area and I really have no idea where to start with them. With a traditional property sale it's more straightforward, but from what I've seen developers don't always make it clear what…
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Bad credit shared ownership mortgage?!
Hi, I think you guys will tell me what I already know... I have about 5k in defaults (credit cards and bank accounts) and £1600 in overdrafts that I 'live in'. The defaults are from 2011 but i have a family member who has offered to pay them off. Will this help? The mortgage advisor that I've spoken to says approximately 6…
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business lease
Hi, I have a commercial lease on my premises, the lease ended on 31st December 2014 and I have now received a letter from the company acting for the landlord, they are prepared to offer me a new three year lease as from the 1st April 2015 but with an increased rent and service charge, am I right in thinking that they…
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Rental dispute / my deposit / unreasonable lamdlord
Hi money saving experts I need some help. I'll try and be as succinct as possible. We rent and are moving. We found a new house, got referenced, passed and put in our notice to our current house. So I said 4 weeks / month notice and we are out. However, the agent pointed to a clause in the contract that said notice needs…
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Minor damp issues: homebuyer report
Hi peeps Apologies in advance for the long post! In the process of buying a house (sold STC now) and before we move in I would like some feedback regarding our homebuyers report. The house is approx 100 yrs old and as well as ongoing maintenance issues, it identified some damp issues (see below). We were wondering if this…
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Buying Freehold- Advice Please
Hello, I have inquired about buying the freehold on my house. It has over 900 years left, my ground rent is £75 (just gone up from £50 this year). My house is valued at 110,00 to 115,000. They are asking £2,625, I counter offered £1,500 via my solicitor and got a short answer no that's the price. Is this a fair price, has…
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Mortgage valuation higher than purchase price
What are the chances of the mortgage company (Santander in this case) valuing our new property higher than what we have paid for it? Would they then offer us a lower rate if it dropped us into a lower LTV percentage? We are put in this scenario because we believe we have bought it at a discounted price because the inside…
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Worried about overpaying
I've had an offer accepted on a house for £260K (asking price was 270). The area is a Cross rail town, and thus the market is a little crazy at the moment. The worrying thing is that zoopla estimates the house at £190k, although a similar almost identical property on the same road is valued by zoopla at £230k. Mouseprice…
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Buying first property - Advice on specifics
Hi all, We are thinking of buying our first house, we are both 22 with decent full time safe jobs. We are looking at this apartment: iananthonyestates.co.uk/more_details.php?profileID=100829003483#header The apartment has been on the market for some time now, it is in a pretty much central town location and I am not sure…
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connells survey, good or bad?
Hi All We are about to have the valuation and home buyer report done on the house we are purchasing. I have just had the letter to say it being carried out by connells. Does anyone have any experience with them that they can share. I have come across many valuers being mentioned on here and how slow, awful or good they may…
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Should this work be covered the the Service Charge?
Block of flat's built in the 70s. One of our 1st floor flats resides over an archway (similar to a coachhouse style). All the ground floor flats in this block do suffer from a bit of humidity. The flat over this archway is particularly bad. It has been identify that some of the beams underneath the property (the roof of…
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MSE News: Budget 2015: Help to Buy ISAs to launch
First-time buyers will get £50 for every £200 saved up to a maximum of £3,000, under the new Help to Buy ISA scheme... Read the full story: Budget 2015: Help to Buy ISAs to launch You might also find our fully researched Help to Buy ISA guide helpful. Click reply below to discuss. If you haven’t already, join the forum to…
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Property under offer - blocked sewage drain
Hi guys, After a bit of advice regarding the following situation: I had an offer accepted on a share of freehold ground floor flat in West London last week. The mortgage application was submitted last Thursday and the survey has been booked for tomorrow. I went to see the property for the 2nd time last Saturday with a…
