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Quick Question on Moving in - Energy
Moved into a house, the person before was on a higher tariff than when I switched to (switched to old supplier). They're charging me for a month (give or take) as that was while the switch was happening. Bill breaks down as: ELECTRIC: Usage: £5.73 Standing Charge: £16.44 +VAT = £23.28 Tariff is "Variable Price v1" - which…
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Bidding on a repossession house
Hi there, I will be a cash buyer and I've bought a few flats in the past in move in condition. I'm fairly familiar with this market. However repossession/renovation is new to me. I'm after a slightly bigger 'stepping stone' property to live in for 3-4 years whilst I plan to self build my own house, and I have seen a…
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Is selling a help to buy home in the first 5 years pay off the equity loan?
Hi all. If I were to sell a help to buy property in the first 5 years when the government equity loan is still interest free, would I be making a sensible decision? I feel help to buy is a good foothold but I am concerned about the implications of the long term equity loan interest. In my calculations model I can't find…
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leasehold property maintenance cost- is this reasonable?
Hi I bought a tiny leasehold flat in a converted Victorian house about a year and half ago. The freeholders live in one of the other 3 flats and are lovely if a bit chaotic. They rent out the other 2 flats so I am the only other owner occupier there. They "run" the place so no management company etc. I now got a bill for…
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Leaving a rented property before contract is up with arrears
Hi, So basically we are renting a new property since the end of august and ever since then it has been one thing after another - the previous tenant left fleas in the home so we had leave for a week until the landlord sorted something - she never did so we went back into the home and got it sorted ourselves. She promised…
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House purchase for over 65s
Hi, I'm 67, wife is 61. We currently share a rented house with my daughter 31, and granddaughter aged 2. I am still working for employer of last 40 yrs and intend to work for at least 3 more years. I have 2 index linked final salary pensions in payment plus an annuity, plus my State Pension Wife and I own a shop, which is…
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Where to buy near Imperial College with 500-600 budget?
My mum’s close friend is looking to buy a property in London for her son to live in during uni. I’m clueless as I only know the urban areas of London can anyone give me some suggestions and reason? It needs to be: Near to Imperial College <— most important So..Within 15 minutes by tube or walking distance is good 500-600K…
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Shared Ownership Stamp Duty
Hi All, I know similar questions have been asked many times, but I haven't found anything which answers my current situation yet so was hoping someone could give me some advice, apologies if it's elsewhere. I purchased a 50% share in a shared ownership property valued at £500,000 a few years ago, and am now looking at…
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ISA Bonus - Help to Buy Scheme
Hi, hoping someone has the answer because me and my partner are stumped. Just in the process of buying our first house and have been using the government's help to buy isa. now we've put in an offer at 118,000 with a five percent deposit which has been accepted but we could have put more down (just not enough to get us to…
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Inherited property with tenant - selling
I have recently inherited a property that belonged to my late aunt. When she was alive she never mentioned the property to me and obviously no mention of tenant. So all a bit of a surprise when I was told about it all by the executors. I have not intention of keeping the property as I now live and work in Spain and…
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Pets in leasehold with share of freehold
Hi all, having a bit of a difficult at the moment, currently selling my property, it is a leasehold with a share of the freehold (of three flats). I have a purchaser who (with just a few weeks to go) has read the leasehold agreement and raised the point that she has a dog. The lease agreement states that "no bird or other…
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Upsizing and ownership advice
Hello all, I currently have a mortgage on a one-bed flat. My family is growing and my wife and I would like to upsize. I'm fortunate enough to earn a releatively decent salary and I hasten to add that we also live well within our means. My wife does not work and therefore the mortgage lender would not allow her to be on…
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Error on section 13
A couple of months ago we received our yearly section 13 rent increase letter with the usual unfriendly cover letter. For the first time ever a small decrease had been applied. We were quite surprised but the amounts had been highlighted with highlighter pen on both copies of the cover letter and section 13 so we duly felt…
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Housesimple.com - House Viewings
Hi All, Im looking at selling my house with house simple.com, I'm away for 10 days possibly during the listed time. They have offered a service for £35 per visit to do house viewings while I'm away (or £295 for 6 months on unlimited viewings). I was wondering if anyone had used the service before and had any feedback? Also…
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Landlord not allowing access after check out so we can change light bulbs!
We weren't present at check out, where they found (amongst other alleged and disputed things) 3 light bulbs that need changing. They want to charge £25 per bulb. We live very locally and have offered to go in and change them but they are refusing and it's going to arbitration. Is this reasonable behaviour?
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Redrow new build - storage and flooring
Hi All Would appreciate the thoughts and input anyone in the know; a couple of areas I culd do with some help so will try and split it a bit (albeit they are somewhat related) We've 'early birded' a redrow newbuild (the 'oxford' https://www.redrow.co.uk/houses/weaver-park-hartford-022335/oxford?isshowhome=true ) in…
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Dilemma big house with small garden vs small house with big garden
Hello experts, I am in the process of purchasing a house in Cambridge. I have already made an offer for a semi-detached house which has been accepted - however, it is not of the traditional build - It is a 1950s Wimpey no fines concrete built. A former council house which was in 90s sold to council tenants. And as you have…
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Landlord Energy Saving Allowance?
has this been abolished? can this still be "claimed"? if so how? and does it apply to commercial property?
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Pulled out at the last min !
So hate the English property system. We accepted an offer on our house back in July, the buyers were really eager to move in. Said their buyer was a first time buyer and desperate to move. So we agreed if we had not found somewhere and completed by the time their paper work was ready we would go self catering. They were…
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Repairs in a shared ownership leasehold flat - who pays?
Hello MSE, I have a question regarding repairs in a shared ownership leasehold flat. My block has 5 or 6 flats managed by a housing association and partially owned by the leaseholders on shared ownership basis, of which I am one. We have recently received a service charge bill for the year, and the cost of repairs to a…
