-
septic tank regulations
New environmental rules which came into force in 2015 created a deadline of 1 January 2020, which require all systems to treat waste water and sewage or connect to the mains. If you currently have a septic tank that discharges to surface water then your sale of the property automatically triggers the requirement on you to…
-
Who pays to empty septic tank? Landlord or tenant?
So we rent our old house. The septic tank is due to be emptied. Who pays? The Tenant pays for their water charges (here in Scotland, included with the council tax bill) If the house was on mains sewage, that too would be included with the council tax bill, and so the tenant would pay. So we think the tenant should pay the…
-
Holding deposit, refundable?
Hello everyone. This morning we placed a holding deposit of £500 on a flat in London. Due to a change in circumstances we no longer wish to go through with this tenancy. Now, it's my understanding that companies are allowed to recover their out of pocket expenses from a deposit but essentially not profit from the situation…
-
How long will it take to complete?
Hi everyone we had offer on our leasehold flat around 6 weeks ago. We got our management pack really quickly and have answered all the buyers questions etc. The person buying our flat is also selling a flat (to a cash buyer). Their management pack has apparently only been received today. It took us ages to find a house,…
-
Getting House Viewings
Just wondering if any critiques out there can have a look at our right move advert for our house. Been on the market for a couple of weeks, but only had 2 viewings, which seems a bit slow to me? UPDATE So I have asked the agent to update some of the photos. It turns out that they took most of the ones that were missing, so…
-
Landlord deposit retention
Hi all, I'll try to keep this brief!! Agent acting on behalf of landlord has sent through our exit report and are basically seeking to retain our entire deposit. I'm dismayed to say the least as the agent inspected prior to placing the property on the market, clearly deeming it fit to show potential buyers as viewings…
-
Plug Sockets when moving house
Hello, I need a little advice please. I am soon to move house with the sale coming to its final stages ready for exchange. About 2 years ago we fitted a very large number of chrome plug sockets and light switches all around the house. Ideally we would love to take these and we have all the original white sockets in the…
-
Shared ownership loophole
Hi all, We've seen a new build property (off-plan) which we are interested in. The whole block will only be available as shared ownership. We can get up 75% of it and then within 3 months can staircase to 100%. Banks will lend us the full amount for the 100% of the property so is there anything stopping us from…
-
Question about flying freehold and house deeds
Hello If you owned a property which had a small cupboard space which was flying freehold and this was putting buyers off. Would it be possible to simply block off this cupboard and re write the deeds to say that this part of the house now belongs to the neighbouring house and thus eliminate the 'flying' part of the…
-
Buyers Vs Seller Balance of Power after exchange
If you wrote a textbook on worst cases of buying a house I’m convinced ours would be up there. We first offered and were accepted back in December 2017 - HORRAY! Come January the process moved to an unexpected crawl as we waited weeks and weeks and weeks for the management pack to be created - this may have been an excuse…
-
Home Improvements Loan advice
Hi, I am a first time poster on here and was hoping for some advice. I am due to complete on my house in the next few days (FTB) and am looking at getting a home improvements loan on the day of completion (the house was a good price but because it needs a lot of work new kitchen, bathroom, electrics etc). My question is on…
-
Bad tenants!
Is there a site where landlords can name and shame bad tenants?
-
Renegotiating after survey
Hello, I was hoping you could offer some advice to help me with my next steps. My survey came back with very high damp reading And suspected rising damp in all downstairs rooms. It also noted signs of active woodworm. The property was an ex student rental and the seller has done work to get it up to scratch to sell…
-
Do I attract higher stamp duty?
Hi, I'm a first time buyer. I have my help to buy accepted . I'm the ONLY mortgage applicant and also the only owner of the property. However, my wife is owning a property with her parents where her parents live. The new property we are moving to will be our only residence. Should I be paid the first time buyer land stamp…
-
How to buy a second house?
Hi all, I'm not interested in becoming a property magnate with a huge portfolio but I do have a question regarding buying a new home by borrowing against equity I have in the original house (100% owned) for a deposit and then renting out the current home and using the rent towards paying a mortgage on a new home. Ideally I…
-
Buying and letting
We are planning to buy a house with a BTL mortgage which, in the first instance, we will rent out. Eventually we hope to sell other property, pay off the BTL mortgage and move in ourselves. currently looking for advice as to what kind of property attracts the best tenants, we are mainly looking at 4 bed detached houses. We…
-
Buying house having old extension with no permission (Scotland)
Hi, my offer to buy a house in Scotland was informally accepted, but while doing his job my solicitor found out that a ground-floor extension built around 2003 was never asked a planning permission neither a building warrant for. The original ad for the property didn't feature a floorplan; they never provided one on…
-
Can I buy into my partners house using Help To Buy?
I’m currently living with my partner in his house which he has a mortgage on. Can I use my Help To Buy ISA (which is full) to buy into the property, and will I receive the government 25% bonus? Thanks,
-
Defer Stamp Duty
Hi Everyone, I should probably set the scene here. So a few months ago,i purchased a property in Newport South Wales but my job has subsequently been moved to London and i am in need of a second home within striking distance of London. Whilst i can afford the 10% deposit at 35K, the stamp duty is an obstacle due to it…
-
Preparing to buy a house
Good Afternoon After finally clearing our debts and working on improving our credit file and accepting we are likely going to be need a subprime lender I am looking at what we should or shouldn't do to help our application when the time comes in about a year or so. We have approx £1200 on credit card each - a 0% credit…
