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House buying, renting & selling

Archives for November 2018

Building plot worth the risk ?
I found this property on the Rightmove Android app and wanted you to see it: http://www.rightmove.co.uk/s6p/77114333 This looks a great plot at a good price. It's a good size and would have stunning views over open rolling countryside. BUT. There is the potential for its stunning views to be ever so slightly changed by a…
Moving to Warrington
I'm looking at moving to Warrington, although I know very little about the area :( Does anyone know if Lingley Green is nice? (near Great Sankey) I saw they're building a new train station near by which is a plus!
Tenant vacating question
I have a tenant who wishes to vacate a flat I own. He's been there lots of years, and he's been sub-letting a room to a friend of his. They have both been there maybe 10 years. And, yes, of course the tenancy agreement forbids subletting. The tenant now wants to leave and just thinks that's fine, leaving me with his…
What do you consider fair?
We checked out of our property on 21st November with the letting agent. They have taken a week to come back to us with their issues, but no costs at all. We've requested costs, they say they may not get the quotations back prior to next week therefore it will have to go to arbitration at that point but they really hope we…
Fleecehold - Helen Goodman MP: New home Maintenance charges "looking like another PPI scandal"
SOS MSE People buying homes on new build estates are being forced to pay maintenance charges to private companies... in addition to their council tax to maintain open areas out with their actual house or garden area thanks to a shuffle of land ownership on title deeds. You could have two identical housing estates adjacent…
Land Registry Alert - Application Lodged on my property deeds no idea what it is?!
I have received an email alert from HM Land Reistry on my property deeds reference number today at 16.49 by Newton’s Solicitors Ltd with a customer ref number. I have no idea what this is as not selling. I can’t get hold of anyone as all now closed until Monday. Anyone know what this is and how someone can lodge an…
Feels good man
The following stage is now complete... Purchase Completed Completed on: 30/11/2018 FEELS REALLY GOOD.
Is it possible to get a mortgage? Freehold/Leasehold
I would be really grateful for some advice please on a property that I have had an offer accepted on. There appears to be a concern from lenders about owning the freehold for the property and owning one of the leasehold flats. Any advice or links to further information would be really appreciated. Background A semi…
Buying a flat with 17 year lease
So I’m a first time buyer and I found a flat up for auction in London that I can actually afford but the catch is, it’s only got 17 years left on the lease. There seems to be no way of finding out how much it would cost to extend the lease, from my research it could be anything from 70k to 150k. Also the price of the…
Glasgow Converted Garage without building warrant and need to sell
My garage was converted without a building warrant, the garage hasn't changed in size at all but now a basically a room not that we use it for that it's used as a office space. We didn't get a building warrant now we want to sell the house but unsure what to do. 1 Should we have got a warrant? 2 Can we get one after the…
Land registry delays
We are in real despair as the property we are buying was not registered although deeds and a OS map of the property are available . Our vendors solicitor made an error on the first registration omitting the back garden. Land registry advised to do an amendment on an expedited request as our buyers had to exchange. This was…
Tenant rights re inspections
We're just starting a rental, and we've gone through an agent for the first time. They said they do inspections every 8-12 weeks. I'm a bit worried about them potentially coming in when we're not home, as we have a house cat who must not be allowed out. I worry about them opening the front door and letting kitty out…
Disappeared Downstairs Neighbour
I hope someone can give me some advice. We are very frustrated and helpless. Our flat is the first floor flat 50/50 sharing freehold with the ground floor flat neighbour guy. The neighbour lives on his own abroad, rarely comes back to his flat. The last time he was back was about a year ago. The flat is left in a shocking…
Solicitor Fees - Cohabiting and protection of Asset
Hi I am new to MSE threads and forgive me if I may be posting in the wrong place. I'm a first time buyer and will be moving into my property with my partner. My solicitor has advised that she needs to complete a form waiving interest for protection of the mortgage lender. I'm fine with this, and I'm sure she will be too.…
Mortgage & catalogue credit
Hi all, First post in here so hoping I have done it right! Basically we have a mortgage application which has been approved, valuation approved also and now just waiting for our mortgage offer so we haven't exchanged contracts and house isn't built until May 2019 so completion is a while. I've seen lots of posts about…
Agent falsly stating inspection
Ok, here goes: Me and my wife rent a property from our landlord(LL), he uses a letting agent(LA), we usually get inspections every 6 months as per our tenancy agreement. apparently we have had 2 inspections done in six months with another due next week as the last one was a fail. apparently we left it untidy and…
Legal Boundaries Shared Drive
Not sure if posting in right place, please forgive me if it isn't. In process of buying a house, we're almost at completion and just waiting for the last few bits to trickle through from the seller. We have been aware since viewing that the property has a shared drive with the adjacent property. When we were discussing…
Getting a sole mortgage with partner using deposit
Hi all, Please can u have some advice. This will seem crazy it sounds it but i need your help. I am getting a mortgage on a house in my sole name withoit my husband as we are taking a break for 12 months, and he has gifted me the majority of the deposit but wint be living with me obviosily. I started the application…
Post Office Mortgage with Free conveyancey question?
Hello, Been looking at mortgages available to me, and just wondering if anyone here has had a post office mortgage with the 'free conveyancey' What's the service like, and how much did you end up paying with all the extra fees? Unsure if I should go with the the free conveyancey or the £400 cashback option! Thanks
What to offer...
Any ideas of what to offer and why? I'm new to this forum so it won't let me post links. 3 bedroom house in Barry on Jenner Road for 182,500 Thanks in advance!

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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House buying, renting & selling

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