-
Mortgage valuation less than purchase price
We are buying a new build house from Taylor wimpey using HTB equity loan. We are semi forced into using HTB (and subsequently needing to find a new build) because we can't afford anything more than around £400k without this, and in the local area, that won't get much more than a small 2 bed flat. We used this scheme to buy…
-
New build but not necessarily HTB
Hi all. My Partner and I are looking to upsize and have hit what may be a potential stumbling block. We've had a meeting with Halifax and they have said we could borrow up to £156k (with current car on finance) or £176k (without car finance). We have around £50k equity to put down on a property and have found a selection…
-
Short term lets - where are they?!
We are buying a new build house. It won't be ready til October/November but as with most developers, we are expected to exchange ASAP. We've found buyers but they do not want to wait til then (understandably). Assuming that we complete on the sale of our flat by around July/ausgut, we (my partner, my self and our 2 year…
-
Whats the best cheap place to live in UK - wales or north/north east etc
Some of the prices of these houses in cheaper areas in uk are insane. Where i live in devon i'd pay maybe 120k for a rubbish terrace house in a crap street. I have no kids, no pets, im self employed work mostly online, thinking of just buying a cheap house for 40k-60k in a rubbish crap street somewhere else. I'm a first…
-
Misled by buyer
We have accepted an offer from a buyer who wrote a message saying "Moving date is negotiable, we are flexible as chain free" We are 3 weeks in almost and I've just noticed his details now say, property to sell - not on the market. I've asked for clarification and he has responded to say his property goes on the market this…
-
Selling my first property
Hi I am selling my first property and had an offer which I have accepted. It's still early stages but the purchaser has come back with a list of "repairs" they would like sorting. I don't personally feel like the items listed are repairs. For example, they claim a window is broken and wont shut properly. I'm not aware of…
-
How do you relocate?
My husband and I are hoping to relocate back up north, 250 miles away, to be closer to family. We've started looking at possible employers in the area. But how do you do it when you're a home owner? It seems like a logistical nightmare and i don't know how people do it. We own our house which is mortgages, in a fixed term…
-
our offer's been accepted, what's next
Finally, our offer has been accepted... 1) Solicitor: A friend of mine recommended a solicitor, talked to them gave the details and agreed for the fee (£1750) 2) Mortgage: (160k) Talked to Natwest, they're very keen to lend the money and promised to finish all less than two weeks. we will talk HSBC tomorrow, and go for the…
-
Estate agent charge for time not living in the property?
Hi, I've recently moved out of a rented house. My tenancy ended on a bank holiday and as a result the check out was the next week. As a result the estate agents are asking to deduct 4 days rent from the deposit as owed rent. Do I actually owe this? I understand their thinking is that the keys weren't back until the…
-
House ready to go on market - what next
Hi all Just had our house valued and are therefore now in position for the estate agent to put it onto the market however we haven't done anything else. We are looking to upsize and potentially double our mortgage therefore should we be doing something else before putting ours onto the market? Should we have a DIP in place…
-
red ash
Has anyone had any experience with red ash before?? or can explain more about it :) thank you
-
Need advice as a carer
Hi, I had an account on here but can't find the login so had to make a new one. If this is the wrong place to ask this please point me to a more appropriate place. I'm currently living in a council flat with my mother. I'm her carer, she's unable to look after herself due to mental illnesses. For instance if I let her go…
-
Worried about mortgage valuation. Do I stop all bids now?
............
-
Inconsistent ground rent on lease
Hi all, I bought a new build property last year, and am being asked to pay a ground rent higher than what I signed for. The freeholder has produced a copy of the lease with the higher amount, signed for by them only. My signature does not appear to be on any documents with the higher amount. The problem is, I don't hold a…
-
Ready Willing and Able buyer delays for a further 5 weeks
Hi I am currently selling my property.. My buyers should have gone into there solicitors 3/4 weeks ago to sign a contract and agree exchange and completion dates. They didnt go in and delayed until the 18th April and have since delayed again stating it will be 5/6 weeks longer no dates have been confirmed I have instructed…
-
Raising money to buy property
We are mortgage free., and would like to buy a house for our daughter. the rent she is currently paying is virtually a mortgage repayment amount. we are both in our sixties so not sure if we will be able to obtain another mortgage. would a loan be more appropiate. not convinced about equity release. cannot downsize as we…
-
Lack of Viewings - Opinions please?
Morning all, Currently trying to sell my first floor flat, and haven't had any viewings within the first 10 days of being listed. May well be too soon, but would appreciate any feedback that I could probably work with. http://www.rightmove.co.uk/property-for-sale/property-47924490.html I had 4 agents visit, all of whom…
-
Right to buy help! Living with parents!
I am in a situation where I live with my parents (and have done for over 20 years) and they are both on pension credit. We live in a council house and due to the 'household earnings' rule I have to pay the full rent as it is based on my earnings and I have to submit my pay slips to show what I earn. The tennacy agreement…
-
Auction House Buying
Hi Has anyone bought at a house action? Can you tell me your story and whether it was good or bad investment (or do you know anyone who has)? Thanks
-
EA is not responsive
Friday morning we put our final offer on a property. And the dispute is 5k. I talked to EA, kindly asked him to inform us until the end of the day. No response until now. Is this normal?or kind of tactic?? I am thinking of sending a sarcastic email. In the case of negative response, thinking to complain about him. Ftb…
