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Taylor Wimpey
On the BBC news. What a shambles: Homeowner on how he had 140 problems with his new house http://www.bbc.co.uk/news/uk-39484565
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Skirting board and gaps, do they need to be fixed by landlord?
On behalf of a friend, just asking as a few times lets say you spill some water when mopping up the downstairs neighbour says the water comes down wall, which seems strange, I myself did this today by accident when mopping up floor and have been there in past when neighbours have mentioned water coming down walls when…
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The dream house becomes a nightmare.
So after 7 months of searching, I finally found the right house. Hours spent every day going through rightmove, walking past potential houses, viewing etc. Finally I found a house which is in an excellent location, reasonably priced for its size(4 bed link detached) and a quick exchange. I actually increased my budget and…
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Help! Second property and London stamp duty
Hi everyone, I'm wondering if anyone can help. I own a buy to let property in Plymouth from my time in the military with my ex (split 50/50) and I now currently rent in London. I have saved enough for a house in London now and have been cleared for up to £425,000 with my current partner. I have now, however, just learnt…
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My journey. Self employed and want a new final home. It's complicated.
There are many threads about saving for a deposit or buying a house but my scenario is complicated. This is more of a journal so I can track progress and also gain advice and insight from others. I'm 36 (37 in a few weeks) married with 2 kids and run my own business. Even though it's a Ltd co technically I will be classed…
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Should I get a survey on a 2 year old new build?
We have put an offer in on a 2 year old new build which still has 8 years left on the warranty. Even though it's still fairly new is it still worth having a full survey done?
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NSI and house sale funds
Is the NSi Direct Saver the best place for house sale proceeds It is paying 0.8 at the moment and 0.7 from May. Do not want to open up current accounts as still need mortgage for new house which will be ready in sept/october. TIA
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Selling part of garden
The house we are in has a very large garden and we are thinking of selling off a plot with planning size is roughly 12mx19m we would still be left with a good size garden ourselves. It is in an excellent location one of the best areas of the town and 150m from the beach so don't think it would be hard to sell. Never done…
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FTB - Difficult Sellers
Hello all, I've been keeping an eye on a property for over 10 months, finally decided to seriously look into buying and went to see it just over a week ago. As expected, I loved it as I knew I would. The sellers are a couple in their late 60's, and told me they want to move because the wife has had ankle surgery and can no…
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Deposit dispute
Hello, We have recently moved out of a property and the check out inventory has brought up 3 extremely minor cleaning faults. Dust on 1 light fitting, a sticker on the kitchen floor and a cobweb in a corner. The property was left in a higher standard of cleanliness than what it was handed to us in. They have also flagged…
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Vendor purchasing freehold before sale - FTB
Hi, New to the forum and also a FTB so please be gentle;). We have had an offer accepted today on a semi detached house which is currently a leasehold. The vendor is willing to purchase the freehold for us before completing any sale and the offer was made on this basis. She receives offers from the freeholder on a yearly…
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How to decide how long to fix mortgage for?
How do you decide how long to fix your mortgage for? We've always just done 3 years for peace of mind, and had been considering doing 5 years this time. The difference between 2yr - 5yr though is around £100 a month and I can't decide how to work out what makes the most financial sense!
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Cancelling mortgage application to start a new one?
We were intending to rent our current property so used a mortgage broker to apply for a BTL mortgage on our current property, and a mortgage with a small deposit on new property (early days, applications submitted last week). Things have changed and we are now selling our property. We will be requesting that the above…
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Shared Ownership - Maximum Permissible Percentage
Hi there, I have a "Maximum Permissible Percentage = 80%" clause in my Shared Ownership Lease. This means that I can only ever buy up to 80% of my flat. My current mortgage provider refuses to give me a remortgage, as I cannot staircase to 100%. Does anyone know how I go about amending my lease to remove this "Maximum…
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Shared Ownership Stamp Duty Future Liability
Hi all - I wonder if you can advise on a question I'm struggling to find an answer for. I'm purchasing a shared ownership property. The current owners own 40%, and it is currently valued at £540,000. The flat was new 2 years ago, and they purchased it from the housing association - to my knowledge this is their only…
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Valuation Report - Barclays
Hi, Our Solicitors are asking for a Valuation Report so they can submit to Orbit Housing for the HTB element of our mortgage (first time buyers, buying a New Build). However Barclays (who we have been accepted by for our mortgage) haven’t supplied to our Mortgage Broker as this was a ‘free’ valuation. Is this something we…
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Advice re: notice of tenancy and contact
Hi there, I would very much appreciate some advice from anyone who reads these forums who ‘knows their stuff’ regarding rental notice periods and tenants’ rights once notice has been submitted. I am currently renting a house from a lettings agent with my other half (we have been living at the rented property for about 2…
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First Time Buyer, but name on deeds previously
So I'm a bit confused with this one, and I have found articles online that give very different answers. Basically I consider myself a first time buyer - however several years ago myself and my siblings were put onto the deeds of a property my parents owned and were renting out. I was on the deeds for maybe a year or so,…
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Using loft conversion as a bathroom
Just putting it out there.... We are due to move into a detached 3 bed property which has a loft conversion, we have had a thought of turning the loft into the bathroom, thus freeing up the bathroom which is very large and turning this into a fourth bedroom, there is a toilet downstairs so no one will have to be traipsing…
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Derby lettings agent recommendations please
Hi Folks, My partner and I are taking over part ownership of a property in Derby from her parents who are moving abroad. They are currently using a management company but have not been impressed with their communication or performance. We don't live in the area so I am relying on Google for my research. Results from…
