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Lying mortgage advisor...
Our buyer has been waiting for his offer for three weeks (survey done on 24th April - all fine). Been chasing the MA at Lloyds Bank who kept promising it would be there shortly.... I wanted to exchange today, but still no offer, so our buyer visited the branch and confronted the MA, who told him it was waiting for…
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dump found on the survey - what's next?
Hello, We have the survey returned and this is what it's been written: There is evidence of dampness to ground floor walls and timbers in contact may be defective. You should instruct a damt & timber treatment contractor to investigate the full extent and carry out necessary repair work. There is evidence of condensation…
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Problems with lawyers
My husband and I are FTB. We found a place we liked in March and had our offer accepted. Our mortgage offer came through last week (Friday) and searches, etc are all done. The only thing standing between exchanging contracts are a few questions our solicitor had for the seller. These queries were sent to the seller's…
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Renting with bad reference
not me but for family Previously a brother and sister rented place together...neither particularly good with money (very young and first time renting) rent often paid late (never more than a couple of weeks) and when left property all was up to date (there was some issues with the property and they (wrongly) decided it was…
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2 separate tenancies in Wales one tenant wants to leave
Hiya My brother has split from his girlfriend but they share a flat together. They are on a periodic having completed a 6 month ast. They pay separate rent and had separate government bonds for the deposit. Rent is due on 22nd of the month. Can my brother just hand in notice? And leave? Please ask for extra info if needed…
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What survey on a 1920's house?
Hello all. Ultimately I know the decision is with me, but I would just like others honest opinions. What survey is best for a 1920's house with no visible issues? Would a homebuyers survey be sufficient? or is not worth to even risk it and get a full builders survey? Regards L.
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Buying a housing association house at auction???
I wanted to bid for a house at auction (only way to get a little house) I would have to pay about 5 thousand extra for their costs but the bit I was worried about it below: bThe Seller has applied to the Homes & Communities Agency for consent to dispose of the Property (“Consent”) to enable the Seller’s Solicitors to…
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Carbon monoxide poisoning
hi I have just found out that the newly built housing association flat . That was all signed off has been slowly leaking carbon monoxide for nearly a year and I have been ill constantly but have only now found out . Can I do anything about this . My baby was not even one when we moved in
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Change Mortgage offer term
Hi All, I have received an offer for a mortgage over 30 years - is it easy to change this to 35 years or will this mean starting the process again? Thanks
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Can I get my deposit back because they have requirements to let
As in I put a deposit down for a flat and failed credit check(to me it would be easier to do credit check first for that very reason) so they have told me if I want to take flat I have to pay 6 months in advance or get a guarantor neither of which I can do, and now they say since I cannot get this they can keep my deposit!…
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Rental Deposit - may not be secured
I will be ending my tenancy on 10 July after 2 years. I have already given my notice. I have not, however, found somewhere else to live as yet! I can't remember where my deposit was secured so I just text my landlord's agent to ask for the deposit ID etc. She replied with: Now this strikes me as odd because I should have…
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Let-to-buy
Hi all, I'm new to this forum so please be gentle with me! We currently have a mortgage on our home and have about £60k equity and owe £90k. We would like to spend some money on refurbishment including a new boiler, rent the house out and buy a new property and relocate. The new place will be aaround £80k purchase price.…
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Estate agents and contact details
Not sure what to think about this one, and too late to do anything about it now, but... I've accepted an offer on my property, and the agent have just sent out the 'notification of sale' to me as vendor, the buyer and the two solicitor. This document has my personal email address and mobile number on it! Now I realise that…
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Buying a house with Restrictive Covenant on it.
Hi All I am buying my first property and as I started dreaming about moving into the property I hit first roadblock.. So the offer accepted, mortgage approved.. I have received a contract paper from vendor's solicitors telling us about a Restrictive Covenant on the property. First of all - is this not a legal requirement…
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Life Insurance or Mortgage Life Insurace???
Hi All, I am single mother and in the process of buying my first house and would like to get some life insurance. Please what type of life insurance is best for someone buying a house? should I get the mortgage life insurance or just go for the basic life insurance? thanks you in advance.
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Asbestos Garage Roof
Hi, I recently bought a property with a small garage which has an asbestos cement roof. I have been hearing that it will cost about 800 pound just to remove the roof prob 3k to if i want a roof too. We have spend quite alot on getting the house modernised and nothing really lef tin the kitty. Does anyone know if there is a…
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Rough idea of solicitors fees to sell
Having obtained grant of probate, my partner and her brother are preparing to sell a property that was left to them, a freehold bungalow valued at around £375,000 with no mortgage on it. We've looked at online conveyancing, which has returned quotes of varying amounts between £350 and £650 but we're not sure about this as…
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Selling without a solicitor
My husband and I are selling a house we inherited some years ago. I have over 15 years conveyancing experience and, now retired, intend to do my own conveyancing. the purchasers' solicitor has informed me that their Lenders 'will not allow you to do your own conveyancing as they require the funds to be passed via a…
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re marketing after broken chain.
Hello, We recently had sold out house, there was a chain involved and due to a bereavement in the chain the sale was cancelled which is understandable. The situation now is our house is now back on the market, my concern is potential buyers will presume the sale stopped due to an issue with the house. Is it worth relisting…
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low leasehold properties
Hi, I rang up an EA today about a nice looking flat on the market, thing is its lease is 73 years. Looking at its history last time it was on th emarket was 2009 and the price has only rised 5K since then. Made me wonder about the situation of getting it and then getting a loan or upping the mortgage amount when you…
