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Court - Accelerated Possession - I have no paperwork
My LL is evicting me. I am seeking housing from the council. They have been very upfront, they won't do a thing until I am in receipt of a bailiff's warrant. The LL has just phoned me to say he went for accelerated possession a week ago. I received no notification of this. He says it was granted and he received paperwork…
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Ombudsmen offer no protection for house-buyers...
After purchasing our house we discovered that the existing Loft Conversion had not been built to Buildings Regulations (we have to rip it out and replace it at a cost of over £40,000 because it is unsafe). We complaint to the Ombudsman-Property about the surveyor who failed to pick up some very obvious signs (they awarded…
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So close, yet so far...
Admin Please Delete
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Money Exchange for Foreign House Purchase
I am buying a small house in Ireland. It needs a lot of work! I am transferring 30k and it's been suggested I use Smart Currency who will charge me £1.88, no fees - what do you all think? Thank you.
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mortgage added freebies (gift cards, deductions etc.)
Hi, I've just had my offer accepted on a house and after some extensive googling discovered that mortgage comparisons are even more complicated when adding in gift card offers/ lenders paying conveyancing fees etc. Can anyone share any deals they were offered? I'm a first time buyer with 15% deposit. So far, Lloyds have…
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some advice if possible please!
Hello, I'm new to this section of the forum and hoping for a bit of advice about our dealings with Bairstow Eves in Walthamstow, London. We signed our contract last week for our new 1 bed flat we found, the start date being Friday 16th October. We agreed to pick up the keys on the following Monday but was then told on…
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First Time Buyer CCJ Mortgage Application
First time buyer looking to get a mortgage. Me and my girlfriend are looking at getting a mortgage, and I've been trying to repair my credit from when I was younger and stupid. My girlfriends credit is excellent, and we have had a AIP from the bank. When looking into my credit file on Equifax everything was ok on mine not…
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Envirosearch Report - Ground Stability - Moderate risk
I have just received my Envirosearch report and under the section - Ground Stability it states: What is the potential for natural ground instability in the area within 50m of the property? - Moderate. Comment: The British Geological Survey has assessed the area of search as having moderate potential for natural ground…
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Buying a house with partner
Hello I'm going to be buying a property outright and my partner will live there with me and for the time being (whilst I am a stay at home mum and have no income) will be paying for bills and living costs. I have suggested he starts off with a 20% ownership of the property, but I'm not sure how to proceed from there? Has…
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Pen notes and Name spelt wrong on my house contract!?
Yesterday I was sent a house contract from my solicitor. I was asked to sign it and return it to them. However, the contract looks like a photocopy and contains lots of biro notes and even my sir name is spelt wrong. In some instances words have been scribbled out and new notes have been added. I questioned my solicitor…
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New leasehold title, will only be registered on completion
Hello, here's from my solicitor: "The property you are purchasing Is the grant of a new lease out of a freehold parent title, as such the leasehold title does not yet exist. However, on completion when we register your interest a leasehold title shall be created and a new title number given" Does this put me in any risk?…
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How to extend my BTL business?
I currently own outright 2 properties in the Brighton area, let to students. I would like to multiply my business and end up having 5 properties. What are my options? I've read about Let to Buy, which is raising equity on current property to fund another. Anyone knows anything else apart from this, taking out the immediate…
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first time buyer scheme
Hi Guys, I currently solely own a property and rented out and I'm mortgage free. I would like to purchase another property with my wife and trying to use the help to buy scheme. I know I cannot use this as I have a existing property. However will my wife be able to use this .... ie .. joint mortgage but property solely in…
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Chief rent on freehold property, how to trace the rentowner
Hoping someone has some experience with this....My property has a chief rent of £2.10 per year associated with it, which I'd like to buy out. However, I've never recieved a bill, and neither the land registry or the solicitor I used to do the conveyancing can tell me who the rent owner is, just there is a rent charge on my…
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Upstairs freehold only
Hi guys I have moved into what was the basement of a house which is now legally converted into a maisonette. I have a lease. The freeholder lives upstairs and although I was offered the freehold I turned it down not knowing it was a house. Long story but not relevant. The freeholder died this year and his part of the…
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Single Person 25% Council Tax Discount Question
I'm aware that when one has over £5500 of savings it may effect their benefit. I'm not on benefit as such in respect of housing or anything dole related. I've been wondering today though, if I pass £5500 could it begin to effect single person occupant 25% council tax discount?
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Bought house, still not sold the other - 2 lots of Council Tax...
As per the title. Am paying two full lots of council tax although only living in one house. Had one month exemption but this has been going on for 4 months. One thought I had was to say that I was living alone in the more expensive house, which is actually empty. This would (perversely) net me a 25% discount. Any…
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New Build Contract does not include floorplan
Hi, We are FTB and currently in process of buying a new build house. Our question is, is it usual for the floorplan not to be included in the contract? We have asked our conveyancer but they have said that the contract will only include the plan which shows the boundary but not the floor plan. Thanks.
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New House purchase - What Deal did you achieve
I am thinking of purchasing a new house from a national builder at £317k and was wondering how much the asking price can be knocked down? Obviously I want to enter negotiations armed with the knowledge of what is realistically achievable. Did you achieve a discount and if so how much? What % was that knocked off the asking…
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Why seller needs valuation report back before exchanging?
Hi everyone, I left this too late to enquire with my solicitor today and am going seriously crazy worrying this purchase will fall through and delay. I was hoping someone could educate me with some possible reasons. We were scheduled to exchange today, complete next week. This didn't end up happening because the seller is…
