-
Saving more than expected for a house; where to put the rest?
Hello everyone. So I started saving for a house in March, and after doing some research went for a Lifetime ISA so that I can make use of the £4000 a year cap compared to the £2400 of the Help To Buy. Averaged out that is £333.33 a month, which was easily done once I had some direction and a goal. However, I knew I could…
-
Homeless and need force of sale help
Hi all, I want to know is there any help on solicitors or any solicitors who will assist me to take my ex to court for force of sale of property. I and our 6 year daughter will not have a fixed address from 16th December has i have to given notice on the property i rented since the split over a year ago. All i want is to…
-
Non Resident Landlord Scheme
Hi All, I am a tenant of a flat that I have been paying rent on for a bout 3 years now. The other other day I received a letter in the post titled Non-resident Landlord Scheme: notice to pay rental income with no tax deducted. I have no idea what this means for me? I have tried googling information on this but did not…
-
FTB advice on potential house - living with small upstairs
Hi everyone, we are first time buyers and we have a house we both really like, downstairs is great and we have a seperate annex which is of a very high standard. Downstairs is great - kitchen smaller than I wanted but I can live with it until we are able to knock through and have it open plan. So the upstairs is much much…
-
Estate agent misrepresentation
Hi, We’ve recently been looking at houses for our first property together and visited a number of houses over the past few weeks. We went to view an end terrace house at the weekend and the current owner had showed us around. We noticed that the side of the house had a door and a couple of windows bricked up with breeze…
-
Ceiling fell down
Hi all, Looking for some advice on my current situation. I currently rent on a periodic tenancy in England. I have on 2/3 occasions reported a suspected leak from my bath as water was coming down the ceiling from the bathroom. ( all officially reported in writing to the letting agency) each time they sent a handy man round…
-
Rogue landlord trying to set aside their CCJ. Adding costs to defending it.
The rogue landlord who I was granted a CCJ against some months ago (see my posted thread history if interested, though it's somewhat irrelevant and slightly boring!) has applied to have the judgement set aside. I will be taking a couple of hours out of work to attend the hearing to defend the CCJ, and wish to add the costs…
-
Retaining wall problems
I have just had a home buyers survey completed on a property. This has raised issues with a retaining wall in the garden which holds up a drive way (not mine) and there are other properties above this. A low section of the wall has collapsed (it was fine when I viewed the property), the surveyor suggests other parts of the…
-
Right of way dispute
Hello everyone, I am looking for some advice. My family and I live at the end of a small cul de sac which has an unusual layout. Our cottage is at the end of a row of 3 houses. We own the driveway in front of the houses which leads to a small parking area for our car, to the right of our drive. We are the only people who…
-
Newbuild property - extras on res form guaranteed?
Hi, I'm hoping for some help! I'm a first time buyer in the process of purchasing a newbuild property (have exchanged and am due to complete shortly). On my reservation form I have fitted wardrobes listed as an extra along with 2 other items, but the developer is now saying the inclusion of wardrobes on the form was a…
-
Home Buyer Reservation Fee - do I legally need to pay this?
Hello I am a first time buyer, and the estate agent managing the property I intend to buy has asked me to pay £240 reservation fee and on their website it states that:... It’s a non- refundable amount, made by a buyer to ensure the exclusive rights to a property, under certain conditions and at an agreed price. Reservation…
-
Taylor Wimpey changed price on another Plot
Hello, We are currently in the process of buying a new build property from Taylor Wimpey. We have not yet exchanged contracts or put a deposit down other than the £500 reservation fee. Our bank has carried out its survey on the property and the mortgage has been approved. Our solicitor is also in the middle of its mines…
-
Waste pipe caused flood...
Hi, So my wife and I are in the process of buying a house. Offer was accepted in August. Last week, we got the questionnaire back from the vendors regarding fixtures/fittings etc...and in there they mentioned that they'd made a claim on the house insurance as there was a "flood caused by broken waste pip". The wife has had…
-
Joint ownership - fraud prevention
Hi, I am looking for some advice. Hopefully you can be of assistance. I bought a property jointly with another person. I wanted to buy it alone but could not secure mortage by myself. The other person is not a trustworthy character unfortunately and are in a position to steal my identity relatively easily if they wanted…
-
Appropriate compensation for no hot water and central heating
Hi everyone, We live in a very nice shared flat. However, two weeks ago the boiler stopped working. The agency has been sending workmen to fix it. First it had a new thermostat installed which gave us central heating for a few hours then the boiler failed and hasn’t been working since. Apparently it needs rewiring. I saw a…
-
Fellow leaseholders have gone missing
I live in a leasehold building containing four flats. The leaseholders have the Right to Manage, ie the freeholder does not manage the maintenance of the property. Instead, the four leaseholders form a management company and maintain the property ourselves. We are responsible for maintaining the communal areas only. The…
-
Newcastle Etal Park - Good place to live?
Hi, Was wondering if someone can help me with a question regarding an area in Newcastle. We're in the process of looking for a property to buy, and we found one that we like (good size, clean, etc). I just wanted to ask about the location. We currently live 5 minutes drive from the house we found. Our current area is…
-
Ground rent and Service charge on a freehold property
I am looking to purchase a property which is one of 4 flats. The post said that is property is a freehold. I inquired about this with regards to ground rent and service charge and the estate agent has come back with: The house is share of the freehold – 1/4 Under lying lease – 112 years left Ground Rent - £125 per year…
-
debt and mortgage reposession
Hello all, This is my first thread so please be kind :) My partner went through a messy divorce back in 2015 and as a consequence through the court, it was ordered that the ex wife has the house transferred into her sole name, the endowment policy as a lump sum to act as spousal maintenance and all marital debt to be paid…
-
Buying a second home/ Renting out old one
Hi all, first time posting, basically I bought a house two years ago, to get on the property ladder I bought the house for 120K me and my brother are both on the mortgage. Basically my idea was to rent it out in a couple more years so I’ve just remortgaged and got a cheaper deal on another two year fixed. My question is am…
