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House buying, renting & selling

Archives for May 2018

Impending end of tenancy questions - old house, no written inventory
Hi all, got a few questions regarding an upcoming move I'm making from a shared house. The house has been a constant revolving houseshare for around ten years. I have been there for two, and we are leaving en masse after our quite nice letting agents were taken over by a larger and distinctly less friendly lot who…
Personal equity release by friend
My partner and I would like to setup a personal equity release/home reversion or similar, on my property (flat). Will it be easy to get one drawn up by a solicitor or is there a better scheme? The plan is that she lends me say £100K and I leave her the total property and contents valued at say £190K. I get to live in the…
What to offer!
When searching for advice tips in conveyancing, its mentioned that members can get advice on properties and even possibly what to offer. The following 3 properties are what I'm interested in. 1) rightmove.co.uk/s6p/53705130 2) rightmove.co.uk/s6p/72987584 3) rightmove.co.uk/s6p/53280438 My favourite is number 1). It has a…
Buying on possible contaminated land
Hi everybody, I am looking for some advice regarding buying a house in London on a possible contaminated land. It is a Victorian end of terrace property and the environmental search has brought up that the land has a high risk of contamination due to a gas holder and industrial site within 100 metres of the property. Our…
Buying a freehold
We are a block of 5 flats. We have 125year leases. (Starting last year) We have been offered the opportunity to buy the freehold between us. Estate agent says it will not add value to each property as we have such a long lease. I thought it would. Can anyone advise? The freehold is around £6000 each on flats worth £125000…
Shared Ownership -Single Applicant
Hey! I've noticed that although there are many threads regarding Shared Ownership, most of them relate to people applying as couples. Has anyone had experience applying as a single applicant? I am finding it really difficult, as all the times I have put my name down for a resale property I am being out prioritised by…
Credit Score Check Problem...please help!
Hello Me and my partner are applying for an Agreement in Principle this Saturday for the second time. The first time we signed up to Experien free trial to check our credit scores then cancelled. The second time round obviously we couldn't do this so we have used Equifax instead. I registered fine and got my report. When…
Buying a friend out a mortgage
I've been living with a friend for 2 years. We both pay 50/50 on the mortgage and bills etc and both paid half for solicitor fees and stamp duty etc. The only difference is that I put in a deposit of 50k and he put 0 in, this is protected by a clause in the contract. The property was purchased for 200k. Now I'm at the age…
Not a FTB after inheriting
So some of you would've seen my post over the weekend. I inherited and promptly sold a part of a house I inherited. I believed the solicitor dealing with the sale had done it so that I would still be a ftb. The stupid woman had me and my sister sign an AS1, which we now know assented the property to us at the same time as…
Dealing with unreachable conveyancer
I’m due to complete over the next 3 weeks and I’m just wondering what would be the best way to deal with my unapproachable conveyancer. Getting to exchange was a miracle, especially as seller was now threatening to withdraw from sale. It honestly feels as if the conveyancer is working against my interests. Leading up to…
Is it worth buying for 2 years?
Hello, Would you buy a property if you knew you would likely need to move in the next few years? I am a FTB and can only afford a one-bed flat, but due to my personal circumstances would likely be looking to move fairly quickly, within 2/3 years. I'm worried it might not be a good idea as : a) the cost of buying and…
Buying a rented house
Hi All i need some advise we have been privatly renting a house for the last 6 years, and the owner has to now sell, he has agreed a good price to us, but i have never had a mortgage before and was not prepared to do this now, I have a few credit cards and car loans so dont know how this will effect the mortgage decision,…
Choosing max budget
Hi, I have a deposit ready and am looking to start my serious house-hunt soon. I'm wondering how to pitch my Min and Max house prices - is it better to have a bigger deposit (lower LTV) on a cheaper house? Or aim for a more expensive house but therefore have a smaller deposit (higher LTV)? I've used mortgage affordability…
Entrance to house with no permission
I am wondering if someone can help me. We started renting a property me and my girlfriend in December 2017. All good, no problems and we like the house very much. The letting agent was supposed to arrange a time to suit us to carry out non emergency repairs (a cooker splashback that had cracker). Girlfriend had specified…
s106 parking management clause
Hi everyone, long time lurker, first time poster, only goes to show how extensive are all the topics already covered, so you can find almost anything without the need to post. I'm about to pull the trigger on a purchase of a Flat in a large multi-phased development. The only major downside is the lack of parking spot…
Home buyers Survey advice
Hi All, I'm a first time buyer and recently had a home buyers survey done on the house we want to purchase. The survey has come back with some issues and am not sure whether to negotiate with the seller to bring the house price down/pay for the things that need to be fixed, or whether to just pay to get the issues resolved…
Damp, woodworm and lower valuation- survey
Looking for help as a clueless FTB. We have just had the survey back on our house, which we offered at £120,000. It has been valued at £117500, so £2.5k under. Reinstatement costs are £155000 There are various category 3s, the ones which are most worrying to me are damp and the windows. CATEGORY 3 Electrical safety test…
Good area to move into in Peterborough
Hi All, My new job is in Cambridge town so I have decided to move to Peterborough with family (wife and 2 kids). I just know that its multi-cultural city which I do like and feel comfortable to fit into it. Also there is a train to Cambridge which taken an hour, its hell expensive but have to do it there is no other…
Rent charge extinguished...
We purchased a house in 2014 and there is a lane at the bottom of the garden. There has been a right of access over this lane for neighbours since the 1800's, but when we purchased the house our solicitor included the lane in the sale. This is showing on our Title Deeds as now belonging to us. There is one house (split…
Putting house on Rightmove for £99. Catch?
I've found a company that I can put my house on the market with for £99. I've got pictures and floorplan already so don't need the higher package, but what else do estate agents do that can be a pain in the rear? (Link incase anyone is interested in what you get for £99: https://www.99home.co.uk/pricing/sellingprice/) A…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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House buying, renting & selling

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