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Parent's mortgage
My mum is 73 and for the last 17 years has had an interest only mortgage currently worth less than third of her property value. She has no problem paying the current mortgage from her pensions and she has been told the capital is due for repayment in 2026. I am her only heir, have my own property owned outright and always…
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House Seller broken expensive bathroom cabinet before completion
My mother-in-law has just exchanged contracts on a house which completes on Monday. The seller phoned her after exchanging contracts to say that the expensive bathroom cabinet had been "broken" and had been just replaced with a basic one. The problem is that the cabinet was mentioned in the details as "Mirrored Cabinet…
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Permission to view when on market
Hi, I'm a tenant who just a few days ago handed in my notice to move out of the property. I received a voicemail yesterday saying a viewing had been arranged for 10.30 this morning. This wasn't convenient at all and I emailed back at lunch time yesterday to say so but offering an alternative in a couple of days time.…
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Delay in Completion😳
Hello! I was wondering if anyone has experienced this problem with completion? We exchanged over 2 weeks ago and set yesterday as our completion date and left our home. The sale of our house went through and the keys have been handed over to the new owners. However, the funds sent from our mortgage company for the house we…
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selling an inherited housing association flat
Last year a relative died intestate and a genealogy research company found myself and 2 others as beneficiaries to the estate. The flat he lived in was 100% owned by him but is a housing association flat for over 55's. The flat was left in a terrible state of disrepair and has had to be gutted. He also left a lot of debts…
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Switching to higher paid job and mortgage
Flat hunting at the moment and got a £220k budget as a first time buyer. I have been offered and accepted a job that pays £6k more than my current one. However I won't start the new job for 3 months (long notice period) In theory this would increase the maximum that the bank would lend me by £25-30k This is great news for…
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Neighbour with loud plumbing (Scotland)
Hi guys. I moved to Scotland last year and would like some advice as to how to handle a problem with my neighbours – one flat on a floor below has a faulty water pump which is causing loud vibrating noise at various times of the day and night (it happened at 3am, 7am, 23pm etc) and goes on for good 20-40mins at times. It…
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Deposit but seperating
I'm buying a house on my name my grandma as gifted me £23,000 and I am contributing £24,000. I am married but things are going due south and can not currently locate my partner. The mortgage is all in my name but my husband transfered 4000 into my account money that is owed me from holiday, in june. My issue is that I used…
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Help! First time buyer - really not sure how.
Hello, They say bying a house is one of the most stressful things. Well, I'm stressed already and haven't even started! What I am finding is that there seems to be an annoying assumption that we should all know exactly what to do and expect when buying a house. Almost as though, once you've bought your first property,…
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Mine field!
Hi. I have been living at home to save money and hope to move out in the next few months. I will have saved enough for a 5% deposit and the mortgage lender has provisionally stated they would be willing to offer a mortgage up to £85,000 if I buy independently. This realistically makes me two and one bed apartments…
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Renting alone first time ?
Just looking for some advice on how much people spend pcm on rent/bills living alone. Most flats in the area are around £550 a month i roughly make around £1000 after tax. I have also seen 2 bed houses available to rent for the same price as flats, is this common as i would have thought a flat would be much cheaper ? Thanks
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Does not signing a contract mean anything agreed in email is not legally binding.
My girlfriend agreed to rent this room as a lodger for 500 pound a month, which is very cheap for where the room is. When she agreed the rental, the woman she stayed with told her to pay 200 pound of deposit, which she paid in cash and has a received. They agreed (via text message) that if she was to move out, she will…
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House ownership question
Hi My partner owns a house which he rents out at present (he stays with a relative). I've been told that if I buy my own house, and he moves in and pays half the bills, he'd own 50% of my house, as well as all of his own. We're not marrying. Is this true? It doesn't seem fair... P x
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Buying house I'm renting - can landlord drag his heals to get more rent?
Hi all. So I'm currently in the process of buying the house I've been renting for the last 3 and a half years. My landlord has been hinting for over a year that he would like is to buy it so last year we decided to go ahead. We knocked him down on price by £5000 as having lived here we are aware of what needs doing (damp,…
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Gap in firewall
After just having a survey done for the sale of our home he has discovered a gap of about 6" in height between the top of the firewall and the eves in the attic to our neighbour. This is right in the top of the eves and about 3 meters in length. It will need to be fixed before the bank will release the mortgage. Any…
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advise needed on repairs for rented flat
Hi, Had a phone call from my son this morning, saying that the pull cord in the bathroom had broke leaving the extractor fan and light on constantly. He had to go to work placement, so we rang the estate agents. We met him at the property, where he had a look and said he would go and get a new ceiling rose pull switch. He…
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new house moved in - too low fence
is there any law saying about the fence height? it is the side i don`t suppose to change but it is so low and people living there look at us few times a day which is not confortable or is it just that we don`t like it we should change it?
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Halifax Mortgage Applications - Timescale
Hey, Go easy on me, I haven't posted in here for ages but I need some reassurance as my stress levels are maxing out as like everyone else in this situation, limbo feels nasty :eek: My boyfriend and I have applied for a Halifax mortgage. We both own properties and are each going through our own selling process (offers…
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Conveyancing - overly slow or just too high expectations
Hi folks, I recently contracted with a local conveyancing company - the firm had very good reviews locally but the person I was dealing with was new to the practice. Anyway on Monday afternoon I dropped in the "Client information Form" which was mainly just contact information etc. Tuesday at just after 9am she e-mailed to…
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Surveyors report
We would like some advice We have had a offer accepted on a 1950s bungalow which needs updating we are putting our life savings in this and are cash buyers. We had a structural survey done and surveyor thought cracks to be subsidence. We told the estate agent who advised the vendor who said she’d had a technical support…
