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Help to buy Scotland
Hi Does anyone know the new limit for help to buy Scotland? It is currently £200,000 and should change from 31 March. I’ve seen somewhere that it is remaining at £200,000 but a salesperson at a show Home said he had heard that it was increasing. Thanks
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Home survey/mortgage lender query...
Hi everyone... i wonder if someone could offer some advice please? So i was a first time buyer and have just bought my first property. I bought in an unfamiliar area far from my friends and family so i had very little help and support through the process. I have also lived abroad for many years so i’m pretty much clueless…
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Agreement or arrangement about drains, pipes/wires
We have just received the Property Information Form about the house we are buying. The seller has ticked 'Yes' to the question of whether there is any agreement or arrangement about drains, pipes or wires, and have referred to a section in the Title Deeds. The section says: "All necessary rights of support eavesdropping…
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Mis-represented freehold/leasehold
Hi all, Me and my gf are first time buyers. We made an offer and had it accepted by the seller on a freehold property that has a flat in what used to be its basement. This caused some problems with the mortgage but is now resolved. We are in the process of conveyance and waiting to hear about a mortgage approval and our…
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TR1 form
Hello My wife owns our property in her name. We are looking to transfer 50% into my name with TR1. No money to exchange just to have joint ownership and equity. Is there are risk to either one of us, or does this solidify my own position ? Any help would be appreciated. This is part of a re-mortgage and the solicitor…
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Extending my tenancy by 12 months
Hi there I have started renting following the sale of my home. I have signed up for 6 months with the original view that I would find a property to purchase in this time. I am now 3 months into the tenancy and really enjoying renting and the house etc. I am planning on phoning up the letting agent tomorrow and asking about…
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Help! - How much should I spend on my 1st house
Hi Everyone, Me and my girlfriend have been looking for our first house since the start of the year. We had a budget of around 230K for a 2 - 3 bed house in Bristol. We haven't had any success in finding a house we remotely like and we've seen 15-20 by now. So now is my question, should I look at houses that are a bit more…
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unpaid water bill
I moved into a Flat 3 weeks ago and got my meter readings from a letting agency. I couldn!!!8217;t verify them immediately because all meters are locked in one place and only a caretaker has the key. Unfortunately, I called a water supplier and opened an account with those meter readings. A week ago, I asked the caretaker…
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Getting some incentives
Hi, Long time lurker and I've often found this website very useful. I am sale agreed on a house which is valued at around £200,000. I have only paid a holding deposit and it is an amount I can afford to lose. Our current house sale is going well and we're mortgage agreed for the new one. Such is out position, we could sell…
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Pulled out of purchase - Broker/lender fees?
Hi all I realise this may not be a one size fits all response. I am planing to unfortunately pull out of a purchase on a new build property for personal reasons. The contracts have not exchanged yet luckily - I have used the broker recommended by the developers who has organised buildings and life cover and has got me the…
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Stamp Duty
Hi My partner is about to sell his property that he lives in. I am just about to sell my property that I live in. When both are sold we then want to buy a house together. He also owns a buy to let that is on a buy to let mortgage and is tenanted. Will we pay the normal rate of stamp duty as we are both replacing our main…
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TDS deposit dispute
Please delete
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Help to buy - Santander
Hi I’m after a bit of information if possible. I bought a house 3 year ago with the help to buy scheme for £160000 and used a deposit of £10000. I have been looking at my mortgage statements from Santander recently and it states that our mortgage is a help to buy mortgage, but we still owe £145000. Does any one know if it…
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short term landlord insurance
We are selling our flat, landlord insurance is due but the tenants will only be in for 10 days before it is empty. Anyone know an insurance company that does short term landlord insurance?
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Elderly parent / selling her house
My mother-in-law in currently in a care home. We have got Power of Attorney and we need to sell her house to pay for her care as her savings won't last long. We would like her to come & live with us but we haven't got the room at present. My mother-in-law has always wanted to come & live with us. How could we legally use…
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Valuation - how much would you offer?
Hi I'm looking at placing an offer on a property with an asking price of 'offers over £180,000. I don't know how much to offer though as just dumping the price by 10% may only annoy the current owner (its been his cherish family home for 37 years). The closest similar properties seem to go for wildly different prices last…
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Just a valuation or Homebuyers report?
We've had an offer accepted on a property which is fairly recently built, around 20 years ago. Our mortgage broker has said to us its up to us if we do the Homebuyers survey, but generally said its not needed if the property is not a lot older. I'm a bit wary as the first house I ever offered on back in 2006 I had a…
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Natural Ground Subsidence
Hi all I am looking for some advice please We are currently in the process of buying a detached property and we have had the survey done, and environmental searches have come back. The property is in good condition, built in 2001, so nearly 20 years old It!!!8217;s already been a long drawn out process and I don!!!8217;t…
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Just found out house is leasehold, not freehold.
So, I'm a first-time buyer, and so I am a little clueless when it comes to the practicalities and expectations, even after having done research. I thought I'd gotten a super good deal on a house (105k for a 3 bedroom semi-detached with drive and garden, just outside a really cute and sort-after village area, with a 15 year…
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Council Tax query
Morning all, If someone is a joint tenant for a rental property yet living elsewhere (temporarily), would the remaining tenant be eligible for a single person council tax discount until the other tenant has moved back in? Equally, can the tenant who temporarily has to live elsewhere be on multiple tenancy agreements? (i.e.…
