-
Contents Insurance between Exchange & Completion
Please could anyone help? We had building and contents insurance on the property we were purchasing and between exchange and completion the place was flooded. Insurance are paying out on all building insurance but they say: 'I would remind you that when the burst pipe took place you had only exchanged contracts and did not…
-
Nuisance Neighbours? What can be done
Morning all So my better half and myself have decided to sell up with the intention of moving to a bigger house, and put our house on the market. Its very early days yet, but with the recent viewings we have had, all seems positive about the house but our neighbours have always been brought up for the reason of no offer.…
-
Buying a Flat- service charge doubled in the last 4 years
Hi and great to find you again. Decided I would like to buy a flat(as a house is out of budget). Viewed 5: A) 2 flats with 78/81 yrs of lease(ex council) B) 3 flats with +900 yrs left on lease I'm interested in B) as more years on lease , plus better environment , peace and quiet, as opposed to council blocks(where very…
-
Landlord pulled out of tenancy agreement, do I have any rights?
I recently found found a house to rent that my partner and I both loved we put down a £500 holding fee and started referencing, our current letting agent charges £75 for referencing and so we will now have to pay that too, referencing had just passed yesterday and next thing I know the LA for the new house called to let me…
-
Tips for taking on a lodger?
After a few years without a lodger in the UK (had several in the US), I've decided to rent out a room in my new house. Part of the motivation is the tax-free Rent a Room Scheme aspect, and the other motivator is a niggling social conscience every time I listen to news pieces about the housing shortage. As it turns out, I…
-
Building on leasehold land
Hi all, I wonder if anyone could help me. I have a leasehold Persimmon homes property on a site that is still being developed. On my title deeds there is a small lawned area to the left of my front door (separated by a small path to a carpark) that is clearly marked as mine. I would like to turn this area into an extra…
-
Sell house half finished?
Hi Ive recently bought a house that needed a complete renovation. However - for 'reasons' - I want to sell it. Im committed with the builders to finish the electrics, plumbing, kitchen bathroom install etc... Whats the best time to sell: When its a 'working' house with electrics etc... put in? Or when the full house is…
-
Mortage requirements - previous accommodation?
Hello, Myself and my girlfriend are looking to be first time buyers. I currently rent privately and she lives at home with parents. I have a tenancy agreement, pay rent every month, good landlord etc. She obviously has none of this. When it comes to applying for a joint mortgage will it be an issue that she wont have any…
-
Developer sold off part of the managed estate as defined in TP1..can they do this?!
Hi, I'm a director of a Residents Management Company on a housing estate that's about 15 years old that took over management of the estate 2 years ago. We've recently found that the housing developer that built the estate recently sold a building (that originally only had temporary planning permission) and land that has…
-
Vendor loan deposit
Hi, Our Vendor has agreed to loan us £160k to allow us to buy the house which we are currently renting. We have agreed a purchase price of £1.14m and had hoped to give them a second charge on the house. However we seem to have hit amassive stumbling block in that the main mortgage companies don’t seem to allow vendor…
-
Financing a Property Mid-Renovation
Hi all, Hoping someone will be able to answer a question on what I assumed would be a very popular kind of transaction, but can't find any info online! We have put in an offer for a property which is almost completely renovated, however we have recently found out that it does not have its building regs compliance…
-
Need advice
I'm 2 weeks away from when I'm supposted to be moving, the sellers checks were taking a long time on their purchace so the EA told me a month ago when I got served with my rental eviction that they would pay privately, and she confirmed that they would be back last fri, when I hoped to pay the deposit and set a date, but…
-
House listed for sale - Owner not signed anything to agree this
Hi all here is my original question - on behalf of a friend who is having a horrendous time. PS - apologies to those I offended for trying to delete the post originally??!!! Hi a friend of mine has a home and her ex hub has thrown her out recently, changing the locks and not allowing her entrance into her home (the ex is…
-
Victorian house floor issues
Hello Recently moved into a Victorian (1900) house, just about detached so air-bricks all around, which has a few odd floor issues. Neither my surveyor (or the sellers surveyor prior to that) found any significant cracking, current settlement/subsidence or structural movement + no indication of foundation problems. Floors…
-
Are we being unreasonable?
Hi All, I'm new to the forum so please bear with me! We are in the process of buying our first home and our vendors had already put an offer in on a house before we viewed and offered on theirs. We had our mortgage offer, homebuyers survey and searches all done as quickly as we possibly could to ensure as smooth a…
-
SDLT first time buyer
My partner and I recently bought a house but are unsure if we can claim back the SDLT relief. My partner inherited property last year but this was with 4 other people so essentially he herited 1/5. In the guidance it says you needed a major interest - would he still be classed as ftb as he only had 1/5? His name was on the…
-
Shared Ownership - Mortgage Term
Hi guys, Two weeks ago,I had an appointment with my Mortgage advisor,because I was offered A Shared ownership Property which is 50% share £95000 and the other 50% is rent.We have done the decision in Principle.She has sent me via email Halifax Illustrated.My lender will be Halifax,however I have chosen Mortgage terms…
-
Ready to Exchange
Hi We had our offer accepted on 6th March, mortgage application done with Nationwide and all gone through (expires September), surveys done, meeting with solicitor done and all searches and enquiries done, we have paid the 10% deposit. The chain is us (FTB), our sellers and top of the chain the lady is moving in with…
-
Care Home Investments....Good Idea ?
Someone I know has become interested in investing in a care home scheme, if I'm honest I'm also curious. As I understand it you buy a room in a care home. The company that sells the rooms guarantees rent from the room for a period of 5, 10 or 15 years. They guaranteed the rent even if the room is empty. Once the term is up…
-
Land Registry - Removing a restriction - Help
Hello, Last year I gained agreement from my ex husband to sign my house over to me, however when this went to the solicitors to be put through, I discovered there was a restriction on the Land Registry against his name only. I have contacted the company and they refuse to speak to me because it is not in my name. My ex…
