-
Where to buy a first home as a couple in London?
My partner and I are looking for a 2 bedroom freehold home in London but we do not know where to look. We are looking for advice from anyone who's been through this / has 2 cents to share. We have a deposit of up to £200K and we can get a mortgage for ~£250K. This is a total budget of ~£450K. She needs Waterloo or Vauxhall…
-
Lodger - Notice Period
I have a lodger who's been with me for 3 years. No problems always paid rent etc. Last year I told her that my boyfriend would be moving in - I gave her a months heads up on this. She asked me if I wanted her to leave and I said no she's more than welcome to stay but the choice was hers. Over a year later she's now decided…
-
Ex-landlord involving solicitors
Hi all, My flatmates and I (3 of us in total) are university international students, who have been renting this house for 2.5 years (from August 2015 to March 2018), have recently moved out. Throughout the 2.5 years in the house, the landlord did not pay the bills (as part of our contract) and was threatened by the gas and…
-
Proof of deposit for house purchase
Hi, my wife and I are first time buyers and have today had an offer accepted on a house (with having to move out of our rented place today its been a mental day!) The estate agents have asked us for proof of deposit and mortgage in principle by Tuesday. The deposit will be made up by some savings we have and will be topped…
-
150k house 20% deposit
Hi. I have 30k to put towards a house worth 150k. Do I need to put the whole 30k towards the mortgage, or only 10% - so 15k? Would putting all the 30k increase my chance of getting the mortgage? Just don't want to spend money upfront when I don't need to. - first time buyer - thank you.
-
Burgarly - tenant
*burglary Hello! So I am currently renting a place with 4 other tenants and was recently burgled. A lot of things were taken from my room which was devastating. My question is, the door lock on my door was faulty and left me unable to lock my door. I reported this to the estate agents 2 months ago and they acknowledged the…
-
First time buyer - possible without starting my job?
Hi, My partner and I have been saving for a good few years now and are in a position where we really want to buy a house. However, I am currently a trainee teacher studying a PGCE. I finish in July and have a job already lined up for September. Is it possible to get a mortgage before I start getting my payslips? I would…
-
Transfer of Equity
My fiancee is the sole registered owner of the house we live in. 60% of the money used to fund its acquisition came from her mother and 40% is mortgage. I am just in the process of selling my house with the intention of buying into her house. My name is to be added to the title deeds and I will pay my fiance's mother her…
-
Ending Tenancy - Overlapping HB?
Hello. I viewed a flat on 8th February this year. They said I could have it. Housing association called me on Friday 4th of May to tell me they want me to sign a AST on Friday 11th of May to start my tenancy on Monday the 14th of May. I said I have to give a months notice but they said I should ask for overlapping HB 'for…
-
Allegations and invalid eviction served by housing association
Hello - new to these forums but wanted some advice. I moved into a private rented HA home around a year ago, just as a new tenancy was due to be issued, the housong officer served an invalid notice to evict with various concerns of ASB - all untrue. Sought advice from local council, they contacted HA and suddenly the…
-
Experience applying for Letter of Comfort?
(Never heard of it? Neither had I until recently) Am in the position (living in Scotland) of needing to apply for a Letter of Comfort to the local authority, and wondered if anyone either has personal experience of this, or is knowledgeable about it. Background: Roof ties were raised by the original owner in my house back…
-
A slightly complex house buying question
yesterday i read about several schemes where you can use your parents help to buy a house if they are mortgage free (which mine will be in a few months) however personally i have a terrible credit score so would never get a mortgage (ill freely admit im not great with my personal finances but ive never missed a rent…
-
Stamp duty when adding FTB on remortgage
Background my now fiance bought a flat in 2017 as a ftb (unfortunately before they abolished stamp duty for FTB) on a 2 year fix and we both moved in to the flat. Now we are around a year from the end of the fix and discussing remortgage possibilities. I still have FTB status. If I was to be added to the mortgage / deeds…
-
Access to driveway blocked
Hi We are considering a house for which there is a space at the front that could be a potential driveway, but access to it is blocked by the pavement (image should make this clear). The pavement with grass (or whatever it is called) extends to block the potential driveway and I am not sure what purpose it serves?…
-
Shared Manhole Problems
Dear All, I am hoping someone can please help me with advice and pointers out of this terrible nightmare. My neighbour and I share waste pipe out of our houses with the manhole right inside his own house. Once in 2 years, we would experience blockage that will require Thameswater who is our water provider come round to…
-
Another question about where to live in London
It’s time to move out of the central London flat, away from the bars and restaurants, and into a grown-up house, and I’d appreciate reading oeople’t Thoughts about where to go. I’d like a good sized family home, an easy commute into the square mile, good schools, and a village feel to it. I’ve an aversion to early 20th…
-
Driving license sent to our address - owner moved over a decade ago!
A driving license recently arrived at our address for the previous owner who left way over a decade ago. (You could feel it was a license!) I sent it back with a letter saying this person hasn't lived here for x years. It apparently belonged to the son of the people who previously owned the house. They recently asked if it…
-
Disclosure of faulty appliance when selling
My house has just gone on the market (Scotland) and already we have had some interest. However, a potential problem has just dawned on me. We have a built-in electric double oven with two separate compartments. The top part is a grill but can also be used as an oven - the bottom part is bigger and is the main oven.…
-
Selling- Tenants in common
Hello everyone, I am just looking for some advice. My husband owns half of a property with his mother (left to him when his nan passed away). The relationship is very strained and we had to leave the house in 2003. My husband has not been allowed in the property since. Cut a long story short, she has done a lot of work to…
-
Make the Seller Pay for Lock Change?
We have just moved in to the property and the Seller has neglected to leave the patio door key. They have admitted to accidentally packing this, and said they would post it on. Unfortunately the key they have posted is not the right key (no idea what it is!) so we are still stuck. It's probably lost in their move so no…
