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L&Q shared ownership
Does anyone out there have first hand experience of L&Q. My son is thinking ( nothing done so far) of buying one of their shared ownership flats. I've done a quick google and trustpilot reviews are dire, it would be good to have them confirmed or not. We have no experience of such schemes, flashy brochures are all very…
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Logistics of sister buying house with elderly mother
My widowed mother, aged 88, lives independently in the same town as my sister and her husband. The latter have decided that they would like to move south to Brighton to be near one of her children and her grandchlildren and great grandchildren. Although the original thought was for Mum to have her own house nearby, they…
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New Build or Older Home?
Hi All! I’m a newby here and wanted an opinion on wether I should buy a new build or an older house. I’ve always had my heart set on a brand new, shiny new build,m. A blank canvas I can create in to a loving home. But now I’m unsure. To cut a long story short, my boyfriend and I recently found a new build home on a…
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need to declare funds ? buying home
buying a house with money overseas ( gift from a wealthy parent ) approx 50k but i am on ESA , if my family transfer these funds to me, will i need to tell ESA or can i just put them into my UK bank for 1 week then transfer to my solicitor ? obvioulsy ESA would not know about these funds, its not like i worked for them and…
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Selling my house as 3/4 bed
Hi, I’m looking to sell my house. It’s a 3 bedroom however we converted the garage and also use it as a bedroom. When it comes to listing it with an estate agent is it better to list as a 3 bed with another reception room or a 4 bed property. Would one get me more money? Is one way likely to sell quicker ? Ive looked on…
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Agents unexpectedly wanting guarantor (and a £120 referencing fee)
Agents on my new property have, quite unexpectedly, come to me and said that they want a guarantor as I'm still in the probationary period at work. I haven't been asked for a guarantor since I was a student, am established in my career and earn a salary that's significantly above the UK average, so I was rather surprised…
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Lifetime ISA and Cash ISA for first-time buyer
Hi there, I’m wondering if anyone with much more experience than myself could help a first-time buyer with some deposit-savings questions? I’m looking to buy with my partner in the next three-four years. We both have zero savings so starting from scratch. After lots of research, it seems LISA is the better option over Help…
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Conflict of interest
Can anyone tell me if an estate agent selling a house for a friend could be classed as a ‘conflict of interest’ please. TIA
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best online estate agents
hi I've had a look around but can't see anything about this but hope I'm not being repetitive or inviting plugs from affiliates - I wonder if anyone has found one of these better and cheaper than the others? There seem to be so many, purple bricks, tepilo, modern house, yopa and I dare say others galore any ideas…
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Lease Extension Cost?
Hi there, I am a first time buyer and have seen a property I love, its worth £200,000 and the lease has 87 years left on it, I'm a bit skeptical as I've heard anything below 83 years can be really expensive to extend. Does anyone have any idea on how much it would cost to extend the lease and how many years I can extend it…
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New Build Price Release DISASTER
In May I placed an Early Bird reservation on a new build house, the site agent advised us the last house of this type sold was 162,000 and it was expected to rise by 5k in the next release which is the house we were hoping to get. We didnt hear anything of a final price for months and then this weekend they finally got…
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Who arranges mortgage valuation? (First time buyer)
I'm buying a house and have got an agreement in principle for mortgage. I'm not selling anything as this will be the first place I've bought. The next step is a valuation. They left me a message yesterday saying that I need to get in touch to arrange the valuation on 'your property'. I'm a bit confused. As a buyer would I…
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Purchase completed a month ago - now solicitor wants proof of funds retrospectively
Is there a time by which solicitor must obtain proof of funds for a property purchase? We completed a month ago. Now the solicitor is saying they need proof of funds in order to complete Land Registry registration. Is the solicitor in the right to request proof of funds after the purchase has completed and do I have to…
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Help Please! Signed lease but not happy with property state!
HI All, I wondered if someone might be able to help. I viewed a property 2 months ago whilst a tenant was still there. The agent told me that she couldn't confirm which of the furniture I was viewing was included with the 'furnished' house. The house was extremely cluttered with the tenants belongings so it was really hard…
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DIY conveyancing
Hi all I'm struggling to find a good general introduction to DIY conveyancing; something that will give a good overview of the whole process. Can anybody help Thanks in advance.
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Stamp duty tax on BTL
Hi, I'm looking at purchasing a BTL property with my girlfriend, we currently both don't have a residential mortgage though I sold a residential property in July this year. Are we exempt from paying stamp duty tax due to us not owning a residential property at this moment in time? The house purchase is £110k Any advice…
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Dodgy block paving options
Buying a house and since they owned it (approx') 2 years the current owners have changed the existing drive (paving stones and gravel) and the front garden (difficult to tell what this was as in old photos it had a low wall around it, but prob' also pavers and gravel) making it completely block paved. They haven't extended…
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Can I not view a Property after 5pm?
Dear Forumites, I am in the process of arranging to view a property for the second time. The first time I went along was a weekday afternoon and all was fine. I have asked the Estate Agent if I can go along and view it on a Saturday evening at 9pm. I am wanting to see if there is an issue with noisy neighbours (As they…
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Home Buyer Survey Report
Hello All, We just got our home buyer survey back and the following are my areas of concern, I know one have to take this report with a pinch of salt sometimes. in a nutshell should I really be concern based on the below findings? 1. Rainwater pipes and gutters are made of a combination of plastic and cast iron.The…
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FTB - LISA query
Hi all Long time viewer of these forums and in the process of buying our first home (myself and my girlfriend). Halifax mortgage offer all approved and valid until June 2019, plot reserved, deposit saved in two LISAs, conveyancing has commenced through an independent solicitor- initial searches done. Couple of queries I…
