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Stuck in a chain
Hi just wanting some advice please We are at the end of the chain as first time buyers. We have all mortgage in place and have even signed a contract at the solicitors. There are two other people then the last people in the chain who are buying a new build. They have known for sometime that they are buying a new build…
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Equity Relaes or State Benefits
If a retired person buys a flat and many years later finds that they can no longer afford to run the flat, would the best option be equity release, or state benefits.
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Home buyers report- generic? Dampness etc
Hi , We are in the process of purchasing our new home. It's a 1930's detached home. We read some thing on the Internet of the most common written issues in a home buyers report. We seem to have them all! We have a category 2 - dampness State dampeners is affecting ground floor walls- concealed timbers may be defective and…
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Should we do this?
My daughter and grandaughter live in rented flat. She has a boyfriend who is not the father of her child. She has been seeing him for four years. They want to buy a house together. We are in a position to let my daughter have a lump sum for half the cost of the house. He has a deposit saved.He intends to get a mortgage for…
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Stamp duty charge
Hi all, I am trying to avoid paying the higher rate. If my property which i live in gets to exchange but not completion and i purchase and complete another place do i still have to pay the higher rate and claik it back? Thanks
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Leasehold with share of freehold
There is a flat contained in a block of flats. The freehold of the block of flats was purchased by the individual leaseholders a few years ago who set up a management company for this purpose. The individual leases of all the flats prescribe an amount of ground rent payable annually. My question is this: is it…
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Advice - Solicitors Error Stamp Duty
Evening, I agreed a fee for a new property back in January this year which will be my main house (I currently rent out a flat i own). Damp issues in the new property resulted in a delay signing the contract as we wanted quotes etc on how much it would cost to resolve the damp issues. I did not know until yesterday (doh)…
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Where's the thread about buying 9th floor council flat
Wasn't there a thread about buying a 9th floor council flat?? Something about he'd been there 22 years & a £104k RtB bung? Anyone else remember it - or remember anything else about it? Or has my mind gone (again...). Cheers!
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Urgent leasehold advice
Hi all, I hope this is the correct section to post this - apologies if not. My wife owns a small 2 bedroom flat she rents out with her two sisters (she inherited it from her late parents). Anyway, it's part of a block and we own an 87 year leasehold on the property. Shortly after we inherited the property we were…
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Loft conversion / roof repairs in 1st floor flat
Hello! I'm in the 1st floor flat of a terrace house and have share of the freehold. I don't think we own the loft space or roof etc however I was thinking of getting a loft conversion. If we don't own the roof space etc is it really complicated and expensive to do it - so not worth it? Also, the roof does really need…
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Please help! Solicitors fee for selling a property
Hello I need a very good advice please! I am in the process of selling a property which started from Dec. And the sale has been delayed up to now, and its almost close to the completion. Today my solicitor sent me the fee for the service he has done until now saying that its possible to be increased - the fee is around…
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Unusual Estate Agent Email Re House Viewing
Hi all Just wanted a bit of advice. I've requested a viewing on a property, the estate agent is online and not based locally. I received this email today: A viewing is confirmed at the above property for *******. Please knock on the door when you arrive. Misunderstandings in the past which have caused sales to fall…
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Selling: Use a local agent, or London-wide?
I need to sell a one-bed flat in Archway. From your experience, would it be best to use a local agent with just one or two offices, or one of the big boys -- Bairstow Eves etc.? I'm guessing the big ones have a wider reach, but communication seems easier with the locals (based on my experience organising valuations). The…
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Council property
Ladies and gents need advise please. A friend of mine, who has a child, has recently got a 'better' council property. this property has all cracks in the walls as it has been stripped down to the bones. It now transpires there is woodworm in the property. the council have said they will get an inspector out to look to see…
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What Income for a £100k Mortgage?
My son is looking to buy his first house in the near future. He'll have a £40k deposit and would be looking at properties in the £140k region. What yearly income would he need to be on to get the £100k morgage? Is there a website for such calculations? TIA.
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Finding a mortgage that accepts PhDs as an income
Hi, My partner and I are looking to get on to the housing market. They are in full time employment and I am a full time PhD student. I am currently in my first year and have a total of four years of funding. We are having problems finding a mortgage as most don't take my stipend as a form of income. We have been to several…
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Save for second House (home)
Hi, I bought a house last year and am a year to the day in the house. I'm lucky that i don't have a huge mortgage and i am renting out two rooms. My plan has always been to use this as an investment property and save for 6-7 years before I purchase my real home and maybe settle down! I've given my details below and…
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Deposit not protected
Have recently moved out of a flat after living there for five years. The landlady said she was keeping the full £495 bond because of damage to the carpet and microwave, both of which I have issue with. I rang MyDeposits and they said the certificate with them ended in November 2015 (At this time the letting agent changed…
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Completion day
Please can someone settle an argument for me. I believe that once the money has transferred and you've handed over your keys and picked your new keys up, you're no longer to still be going backwards and forwards from your old property to the new one. My husband seems to think we can make various trips to the new house once…
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Can Housing Association Evict Me for continually complaining?
Hi guys I have been complaining to my HA for 2 years now about heating & hot water services as in it always breaks. I've escalated several times to the point where they say they can not help me anymore. I am waiting for ombudsman to look at my case, but is there anything they can do like revenge eviction wise to get me…
