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House buying, renting & selling

Archives for April 2016

Advice on moving out.
Hi all, sorry if this has been asked or answered else where but I'm a little lost and could use some advice. I currently live with family and I'm nearing my thirties, I would like to move into my own place but I don't know where to begin, I know about housing benefit but I am currently in the work group on ESA and I don't…
House Inheritance
I am in the process of inheriting my mothers house due to her passing & I'm thinking of keeping it for the benefit of the rental income. I am wondering other than the Capital Gains Tax that I'll have to pay when I do sell the property I was wonder what the tax liability will be for me? The Rental value has been estimated…
Buildings Insurance cover
Hi everyone, I've got a quote for my building insurance for the property I'm going to purchase. The cover will start on day of exchange. But one thing I'm not clear is that do I need to take out the cover for the whole year or just a few days until I complete and then have to renew it?
Waiting game
So we recently made an offer on a house. We're in rented so no chain, mortgage all set up subject t val. Lots of interest in the property so when our first offer was rejected, we went offered full asking, and.... Not accepted!!! Feeling kind of despondent at the mo :-(
Share of freehold - lease extension.
Hello, We are in a chain of 4. Ourselves and our buyers are ready to exchange for 3 weeks. Our seller is buying a flat that has a share of freehold and the lease needs extending. Our sellers solicitor is being really vague as to where they are in the process of this and how long more we can expect to wait. As far as I…
Could you live with pylons close by?
http://www.rightmove.co.uk/property-for-sale/property-40630155.html?premiumA=true Seen this house and its stunning but for the pylons! Anyone have any experience of living by them? Any issues with noise or interference with satellite tv or anything.
Anyone live on a new build estate with Social Housing?
I'm looking to buy a home and have seen some good deals on some new-build estates. After having a chat with a sales advisor i noticed the houses across the road from a plot i was interested had SH on them? I asked and she said its social housing and all new developments have a certain portion of them put aside. I had never…
freehold purchase has restrictions making house unsaleable
My husband owns a leasehold house and is attempting to buy the freehold and sell the house at the same time. There are currently 30 years remaining on the lease. However restrictions have been placed on the purchase of the freehold regarding mining rights and only using as a residential property. The buyer's mortgage offer…
Shared ownership resale
Hi, I am buying flat through shared ownership scheme on the resale market. The agent had applied shared ownership mortgage calculator. That calculator limits my affordability. So in reality my affordability is higher on the open market even including rent on the share and other charges. The shared ownership affordability…
how to buy a house with equitable charges
Dear all, me and my family are actively looking into buy our first property, but facing difficulties as in our location (Cambridge) there is an incredible speculative property market, with cash buyers, investors and the basically all houses sell way over the asking price, in just one week! Off course agencies go for the…
Offer put in for ahouse marketed by an estate agent but seller works at same agency
i have got a unique scenario where by the house is being marketed by an estate agent...the seller works in the same agency as a sales negotiator.. i have been turned down twice with my offer and its feels as if they are trying to get best price for their friend in a sense... i normally expect estate agent to play a role in…
Freehold Property and Property Management Company
Hi Everyone, First time buyer and could really do with some advice. I'm in the early stages of purchasing my first property which was a commercial building now converted into two residential homes both of which the property developer/seller own. The property developer/seller also has built flats on the…
Lending money to son and partner to help them buy first house
Hello :) Just wondered what your thoughts are on our situation. Basically my husband was made redundant last year and received a reasonable package. We are managing ok, though I only work pt and have no pension. Husband is 60 and I'm 53. My son and his partner want to buy a house (need a lot of help re their deposit) and…
Help To Buy Isa Help
Hi , I have read a few articles on this over the past few months and finally got one setup with my bank (halifax) my partner is going to set one up aswell within her bank (ulsterbank) does it matter if the help to buy isa are in different banks ? or do they need to be under the same one ? i dont want her changing to my…
How long does it take to rebuild my credit score for renting?
Hi I am a single mum to two children and I'm starting work in September assuming I pass my third year at university this year. I already have a job in writing with a salary of 22k after tax. I haven't checked my credit report yet but I can only assume it isn't great, since all this happened I haven't done anything else to…
£225 for lack of Fensa Indemnity?
We're selling our house for £315,000 and we don't have Fensa certificate. The windows were installed 6 years ago by a friend who has passed away, but i know he wasn't Fensa registered, despite being ex-Everest. Our purchasers solicitor is insisting on an indemnity for the windows and our solicitor says £225. Seems very…
Notice of transfer and charge
Some advice from someone with some experience of this would be much appreciated. I completed on the sale of my leasehold buy to let flat in mid March. It is an ex-council property. My solicitors told me that the buyer's solicitors were responsible for serving notice of transfer and charge to the council. However, I am…
Another help to buy ISA question... Sorry butI'm really confused!
Hello I wonder if anyone can clarify something as my solicitor is away until Tuesday and I'm anxious for an answer? We are buying a new build property and need to pay £8800 deposit. We have £4400 in help to buy Isa's which should total £5500 with the government bonus. The builder needs £5000 on exchange with the balance of…
Lower house offer before exchange?
Hi looking for some advice.i am due to exchange on a house in a couple of weeks and considering whether to offer a lower asking price than our accepted offer.we originally offered asking price on a property and offer was turned down as a lower offer was accepted from a first time buyer.our house is sold to a couple…
Something for the legal experts to pick apart
Scenario: Parents buy property outright (no mortgage) in their own name and allow son and son's girlfriend to live there (parents live elsewhere). Son and girlfriend pay council tax and utilities (both contributing according to their means), but pay no rent to parents and there is no formal tenancy arrangement between…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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House buying, renting & selling

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