-
Money Moral Dilemma: Should I pay mum rent even when I'm not home?
This week's MoneySaver who wants advice asks... I usually pay my mum rent - but for the past three months I haven't been home. Now I'm back, she's asking me to pay up for those three months. Should I still pay her? Unfortunately the MSE team can't always answer money moral dilemma questions as contributions are often…
-
Worried that I've lost credibility with agents
Hi everyone, Well I've been a bit neurotic about buying a house for years now and it's time to get serious. Unfortunately I think I've lessened my credibility with agents through my years of searching. First started looking back in 2013. Saw dozens of houses and eventually felt brave enough to put in an offer but pulled…
-
Help 2 buy funds, how long?
We are due to complete this Thursday. I spoke to our solicitor today who said he’s requested mortgage funds and had confirmation but only requested help2buy funds on Friday afternoon. He mentioned it might take 5 working days, so obviously with the bank holiday in the mix and the fact nothing would have been auctioned…
-
Is this conveyancing fee too high?
I've just been quoted £1900 by a well respected local solicitor to handle the sale of my current home, and purchase of a new property. The fee seems high, but it's 18 years since I last moved house. Is it too much?
-
Who funds the legal ombudsman
Does anyone know who funds the legal ombudsman please
-
O'Neill Patient Solicitors
Has anyone had cause to complain to O'Neill Patient at all? They are an online firm and I am having huge issues with their complaint procedure.
-
EA won’t sell if buyer uses Purple Bricks
Hi there. First post on here but just after some advice. I have had several house valuations and as to be expected, the purple bricks standard £849 was by far the cheapest. Other agencies have a very negative view of them and state they have no after care service and once you have a buyer you get no further support…
-
Help to Buy ISA & Tax Conundrum
Hi, I and my partner have both paid in to the government's Help to Buy ISA since it opened. We have £13k in these ISAs between us (so a bonus of at least £3.25k, likely higher by the time we find a house). This bonus is only paid out on house values of up to £250k and unfortunately we are searching in some of the UK's…
-
Rightmove - Commercial Properties - are they different in any way?
Hi all I am looking to buy a rural house, something with a bit of land... Most of what I have seen and liked on Rightmove is saved normally under the "For Sale" tab in my account. However, the occasional house gets saved under the "Commercial For Sale" tab instead. Does RM do this purely for organisational purposes? Or are…
-
Just found out house we're buying is leasehold. Help!
Hi, My partner and I are in the process of buying our first home. the vendor and estate agents both told us the property was freehold before we put in the offer but our solicitor mentioned in passing today that leasehold transactions are more complex. I told her we thought it was freehold but she confirmed it is in fact…
-
Wanting to buy - Absolute NOVICE
I'm a 23 year old wanting to buy a property in the future. I'm still saving but I feel I should start educating myself about the buying process because right now I literally know NOTHING. When I say I literally know nothing, I've only recently learn how a mortgage works and how credit ratings work. My best friend who is 24…
-
Buildings Insurance - Exchange through to Completion
My wife and I are downsizing and buying a small new build property that will be completed two months after exchange of contracts. There is no mortgage involved. The Agreement for Sale states: Quote: The Property shall be at the risk of the Seller until actual Completion but the Seller shall be under no obligation to…
-
Is EA trying to get me to engage in gazumping
TLDR * Viewed flat , formulated offer and made this offer to the estate agent * Whilst on phone with estate agent discovered property was already now listed as SOLD STC on rightmove * Called agent back who confirmed other offers had been made but did not mention if these had been accepted or rejected by vendor * Now…
-
Moving in with parents in between selling and buying
Hi all, I'm faced with the prospect of selling my current house and moving in with my parents/friends/whoever will take me until I can find a new place. This isn't an entirely forced situation as I could make my buyers just wait it out until I've found a new place. However, it has already been two months and I've still not…
-
Nightmare Joint Freeholder
Hi, I currently own a ground floor flat and a "share" of freehold with the upper flat. The upstairs flat continually leaks into our flat below causing damage, and despite repeated requests for pipes to be fixed, continues to leak. The tenants upstairs do not speak English, so I am unable to have a conversation with them.…
-
Leak from my place ruining downstairs neighbour's ceiling - Insurance.
My neighbour an I both have freehold of a house. I own the upstairs and he owns the downstairs. He came back from a big holiday to find out that there were all these brown stains on his ceiling. He also claimed a crack appeared on a beam. The source appears to be my bathroom / shower as it's directly above it. The year…
-
Saving for deposit query
Hi all Looking to save for a deposit over the next year or two. Currently after all outgoings got around 500 to save each month. However, i was a little silly in my younger years taking out things on credit, and when circumstances changed, was no longer able to keep up with payments, and have defaulted on 4 accounts (3…
-
Removing name from title deed
My brothers and I are on the title deeds of our family home. I have been living in the house since my father died in 1997. I have looked after my Aunt who was disabled on my own since my father’s death. His will stipulated that the house cannot be sold until her death which was sadly on Dec 31 2016. One of my brothers has…
-
Rented property being repossessed! What's my options?
Hello, Hoping someone can offer me advice. I have a family of 5. Me, partner and 3 daughters. Youngest being 10 months old. We had been a tenant in a 3 bed house for the last 10 years. My landlord lived about a mile away but also owned the newsagents next to our property. My landlord approached us in April 2018 and…
-
Confusion over removing someone from name on mortgage
Hello everyone Sorry to ask i can see previous posts on removing someone from the mortgage but I'm still confused My father and myself are on my mortgage (it has 18 years left on it) I've always paid it for the last 4 years not him, we agreed that he can be removed so it will only be myself named on it. I can see…
