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Guarantor Issue
Hi All, Myself and my partner are on the steps to renting our first property. We've found a place and mentioned that we do have a dog living with us. As expected, we knew in some circumstances a larger deposit would be expected as was the case here. But alongside this, the agency also advised us that the landlord wants a…
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Problem solved :)
Problem solved, thanks for replies :)
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Help to Buy - DIVORCE!! HELP
My partner and I bought a brand new house 14 months ago. We took advantage of the Help to Buy scheme, and naturally have the mortgage and HTB agreement in both names. Unfortunately, we have now decided to get divorced. I wish to keep the house, and my partner has agreed to this. I contacted Santander who said they would be…
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Buying house, seller "forgot" estate charges
Hi everyone. Long story will condense as much as I can, we are trying to buy a house which a local housing association is selling, they are building two new Estates locally and trying to recoup some costs. We had our offer accepted, have had searches, valuations and survey work done, all good. It was at this point while…
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Like this house, but its been underpinned...
The house I'm interested in has been underpinned 35 years ago. Very happy with the house itself and the area is special. We've discussed price(before underpinning was mentioned), and he is prepared to accept my offer, which is 12% below the asking price. But having searched around online, I come to the conclusion that…
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Viewing property when your's is'nt on the market
Hi all What is people's stance on this? Are estate agents/vendors likely to let you view properties if your own isn't on the market? I have seen a house I like but mine isn't for sale yet. I do however think mine would sell rather quickly. Thanks
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Looking for advice buying/sell/credit rating
Hi. I'm looking some advice with both mortgage and credit ratings possibly as well. In August 2007 I bought my first house at peak to housing market with 100% mortgage and interest only. In 2011 I entered into a trust deed due o a few different issues. As of April 2015 I was signed out of my trust deed. Now due to family…
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New builds is this a new thing...
As a fan of new build houses (even though we bought one that was 26 years old) when we were looking a couple of years ago it seemed straight forward in that they were offered freehold with no strings. I read more and more new builds being sold as leasehold (250yrs) with £200 - £300 ground rent plus annual service charges…
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Torn between two ideas
Morning, I'm here to ask for your views on my future path. I am torn between two ideas relating to property and my finances in the future. I own one flat right now and I'm 35 and single. The first idea is to stick with the one flat and pay it off within 5 years. End up with no mortgage and just bills to pay but no other…
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Help to Buy Scheme on new houses
Does anyone know if the Help to Buy scheme will be extended beyond December this year? Also, will the maximum house value be increased above £600K? Thanks MJaye
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Estate agent advice
My girlfriend is currently selling her house and the estate agent we have used since January have generated next to nothing in viewings (5 in total, three no-shows and someone who was looking to rent) We have managed to find someone who is interested in the property ourselves and there has been no input from the estate…
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Shared ownership resale - completion
I was hoping i could get some peoples experience when completing on the purchase of a resale shared ownership property. Bit of background from my current situation... I snapped up the property pretty much as soon as the housing association had listed it on my regions help to buy website. This meant that i was given the…
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House we lost out on is now back on market! Help!
Me and my fianc! found out ideal house a month ago, made a few offers (asking price) but was unsuccessful! The house came back onto the market late on Sunday! Obviously we are still very interested so I phoned the estate agent to find out why it was back on and if we could view again. She seemed really off with me and…
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Unsure which rental property I should rent (again)
A few months back I was looking at somewhere to live for a few months and had some issues I ended up going for a lovely property that was single glazed and near one of if not the busiest road in the town so disturbed my sleep, it had its good points like just around corner from a Subway sandwich place so I could sit there…
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Buying from landlord
Hi I am a first time buyer and have been renting my Landlords apartment for several years, and now wish to buy it. We have agreed an offer, but one thing he wants to look into is whether or not the Letting Agency will have a right to commission if he sells to me? Do we legally need to inform them or could the Letting…
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How can I know if a flat is rented to a person or agency?
Hello! I'm going to court against my landlord and in one of the deductions I should know if he is renting the flat to an agency or another person. (I was a lodger, and my landlord, living in the same flat, was not the owner of the flat) The reason is to prove that he is lying in front of the judge regarding one of the…
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Stamp Duty: Higher Rate Confusion
Hi all I hope that someone can help me out. I had researched the rules around the Stamp Duty higher rate tax on behalf of my elderly former neighbour. I thought it was relatively straight forward based on reading the Government's consultation paper, the HMRC guidance notes and using an online calculator... however, her…
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renting out your home and capital gains tax.
Hello all, I'm looking to buy a house for myself, and rent it out for the first year or so. I might live in it for the first couple of months, or until I find tenants via an agency. Maybe I'll sell the property in 5 years, maybe more will see how life gos. I was chatting to someone at HMRC today, who said that 18 months of…
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Assisted sale
Does anyone have any experience of the assisted sale packages offered by new home builders? Would be great to hear how people have found it. We're currently trying to decide whether to go down this route or sit and wait it out on open market. I know by both routes it's the same audience just curious whether with it being…
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Permitted development on new house
We are buying a traditional terrace house. Currently it has a side return kitchen with bathroom at end and a small courtyard. We want to extend the kitchen into the side return. New extension will about 9ft x 16ft. Demolish the current bathroom to enlarge and square off courtyard Build over kitchen to make new bath room -…
