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Mortgage product interest reduced whilst conveyancing.
Hi everyone, Pur mortgage product interest rate has reduced slightly We're in the process of purchasing, so if I told our bank and Conveyancer:- 1. Will we need a new offer sending out from the bank? 2. Would this slowdown or complicate matters?
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virgin media could cause mortgage offer to be withdrawn????
hi im getting really worried as i complete in a couple of days (have exchanged already). Virgin media who i was with in my previous property decided without my permission or me signing anything to start a new contract for broadband for my new place which hasnt completed yet. they send texts and emals about the new contract…
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Offer On A House
Hi all, So I braved it and put an offer in on a house I viewed a few weeks ago. He wanted £125k for a 2 bedroomed property. I offered him £110k and he refused. He said he wanted at least £117.5k so I worked out my finances and offered him £113.75k which he again refused today and said he would think about it but he was…
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Being force to renew tenancy for 6 months?
Hi, We are currently renting a house while we look for one to buy. We are currently renting a house through an estate agent on behalf of a landlord. We signed up for a standard 6 months short hold tenancy agreement last October which comes to an end on April 23rd. I have rented and owned houses before and in the past I…
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Homebuy direct
Has anyone had any experience of selling a home buy direct property. We have sent valuation and took 10days to reject this, we amended the issue and resent. We have received a welcome letter 10days later. What I am wanting to know is it states 6 weeks on the website until the solicitor receives the redemption figure where…
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Estate Agent Con Trick
I am currently in the process of purchasing a lease hold flat, management company- living city asset management. i am slightly confused as the estate agent has advertised the service charge for the flat at 900 per annum. however, my solicitor has noted the current owner pays £150 A MONTH. is it normal for estate agents to…
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Kettering- Area recommendation
Looking at a rental place in Kettering and going to few some round the St. Mary road/ Windmill Ave area. Is this area ok? seems close to town and not too far from the train station. Rental prices seem reasonable at about £700 pm for a 3 bed. Last time I was in Kettering was a school trip to wickstead park, this area seems…
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Bovis - Property Pulled whilst Reserving
Hi all, I am in need of some advice/ help. As a first time buyer I have been left completely devastated by events that took place today whilst trying to secure our first home. After saving and searching for a home for what seems like an eternity we were finally sent a glimmer of hope when we received an email from Bovis…
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Anything to watch out for in an Vendor's Contract?
Hello, I'm just wondering before you sign the vendor's contract to exchange, is there anything to watch out for, such as hidden clauses/conditions? Also is it the solicitor's job to check for anything or the buyer's?
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Cash buyer claims not getting survey done!
Selling our deceased son's home, took a few tips from here. 1) Knocked our preferred agents fee down from 1.2% to 1% to match others in the area. Locked in to 4 weeks (should have for less but didn't read that tip 'til too late). :) 2) Agent has a 'cash' buyer, told them to check they ARE genuine cash buyers & actually…
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Is it best to list house forsale before looking for a new house to buy
Is it best to list your house forsale before looking at homes on rightmove? . Or look around at homes then list your home forsale once you have found one?
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interior change layout
Hello moneysaving community . I bought few month ago flat and I change interior layout so I have question for you . How in legal way can I get consent for already interior change in layout of the flat . I split huge 26m2 living room to room 10m2 and 15 m2 living room (from both side were windows ). Wall is made simple stud…
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Stamp duty changes
Really hoping someone can help us with a query on the new stamp duty changes. My husband is on the mortgage and title deeds for his ex's house as she is unable/unwilling to get a mortgage. She lives there with their two children. He does not contribute to the mortgage in any way, she pays it directly to the mortgage…
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Anyone bought a home with Story Homes?
Hi I was just wondering if anyone has any experience of buying with Story Homes? Thanks
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Can my mum buy a BTL property at her age?
Hi my mum has never owned a property and currently lives with my dad in his home which he owns 100% mortgage free. Was wondering if my mum can buy a BTL property at her age (60) and without having owned a property? She earns a salary of £25k. thanks
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"Forced" to surrender tenancy earlier
Hey all, A quick question regarding tenancy. We have given our landlord (through the EA) our two months notice. We have to leave the property by 13 of May. The EA in the meantime found a prospective tenant who could only move if we could move out by two weeks before our term date. The EA enquired us about it and we said,…
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Costs pre purchasing lease property
Hi, This is my first post however I cannot find any help elsewhere on my issue. I recently bought a leasehold home in july and although works were carried out in 2014 due to the cardholder being Redbridge they have only just invoiced for the cost of the works . My solicitor did not hold a retention for this as it was not…
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Do all BTL mortgages have income requirements?
Income from some source completely independent of the property, e.g. a salary normally. It's something that only some of them mention (often 25k p.a. is required) and the others don't address, but I suspect they might require it as well. I own one house, am keen to acquire other local properties for BTL purposes, and am in…
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Meeke
My two daughters own (with joint mortgage) an apartment in Glasgow, one resides and the other rarely stays as she works abroad. This daughter now wishes to purchase her own property in Southern England and is unsure if she will be liable for the 3% "buy to let stamp duty" notwithstanding this 'new' property will be her…
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Guarantor for uni student
I have been asked to be a guarantor for my child who will be in their second year of uni. The form is very basic with a spelling mistake on the word guarantor :rotfl: I'm sure I remember seeing on this board that if a guarantor form was not set up as a deed then it is not enforceable. Am I correct in my recollection? Or…
