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House buying in Edinburgh - what to offer?
We're just about to put an offer in on a house in Edinburgh, but we're getting mixed signals on the 'offer above' level. The offer above value is about £25k below the valuation, so we were looking at offering the valuation but we've been told that it's usual for houses to go for a lot more. Given it's fixed bid before…
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selling a rented property
post removed thanks
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Renting: 6 months up front for a 6 month contract, but still want guarantor?
I have a conundrum. A friend of mine has until the end of this month to find somewhere to rent. He owns a house outright, currently in the process of sale to be completed in (hopefully) the next few weeks. He has been renting somewhere while his house was on the market, as he relocated for a job that ended up falling…
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New Build Experience
Morning all, I am currently looking into purchasing a first home. I have already asked a question on here specific to Gleeson and it has revealed some concerning background on them. My preferred development (Calder View, Mirfield) is a Gleesons one and was very competitve. I wonder if anyone has had any experience of other…
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(UK) Keeping my owned property as main address while (mostly) moving in with my girlfriend
Hi all, (first time poster here, please be patient ) I have a residential mortgage on a flat (UK) and have two lodgers living with me there (one is on housing benefit). The arrangement works very well for all of us, but I'm looking to move in with my girlfriend in another city in the new year. My question is, is there any…
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Paying VAT on estate agent fees twice?
Hi All, Does anyone have experience with solicitors paying the estate agent fee from sale of house? We negotiated a 1.1% + VAT fee for a house we sold at £280000. Which I calculated as £3696. On the completion statement, the agents fees are listed as £4435.20 which is the 1.1% + VAT and then + VAT again! Should I be paying…
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Advice about house sale and switching utilities
I am in the process of selling my house and we are looking at exchanging contracts the beginning of next week with a provisional completion date of 6th December. To cut a long story short, the buyers of my home have already started notifying their utility companies that they are moving into our property on December 6th. I…
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Impossible calculation of ownership in deed of trust
Help! My partner and I imminently complete on a property but cannot agree how to fairly divide ownership as tenants in common. The property is £437k which we funded with a £250k joint mortgage. The rest of the capital I was able to raise by remortgaging my first property to an interest only mortgage as it had gone up in…
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House Buying for Non-UK First time Buyer
Hello lovely people, I’m a non-UK,EU citizen looking to purchase my first house in the Berkshire Area. I have only viewed 6 houses but kinda have my favourite now and would really like to proceed. I have spent days trying to read house buying guides but still have many confusions so would really like some clarifications.…
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Indemnity policies on house I want to buy
I've probably viewed every forum relating to this on the site right now but my situation has many unique complexities which I'll get into. I'm a first-time buyer and will be buying alone. I have settled on where I want to live and have had several viewings. I really love one of the properties and am very interested in…
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Buying a house in Spain?
I’m looking into buying a villa or house in Spain, for roughly 200-250k mortgage free. As a Uk resident who will ultimately be moving and going to reside in it after purchase, does anyone know roughly how simple or complex purchasing property is in Spain. I’ve got a lot of experience with solicitors and the buying and…
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property survey , which one is more suitable ?
here i am again gathering as much information as i can , to help me along the journey to buying my first home home surveys ! what are you experiences ? im buying a faily older property , im looking for a survey to reach the critrea to follow .... to check for woodworm , dry rot and wet rot , BEYOND the floor boards and…
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Commercial lease - what happens with rent reviews if the lease rolls over at the end of its term?
I wonder if there are any solicitors out there with experience of commercial leases? My friend has asked me to look at a lease for him but I am unsure of the answer to his question. It is a fixed term lease which finishes at the end of this year and contains the procedure for two rent reviews to take place on two set dates…
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Too quick to accept mortgage offer??
Hi all How our homebuyers survey through with a couple of issues on it and with the overall description of the property being in reasonable condition but money being needed to have been spent at the outset. On receipt of this, we arranged a second viewing and asked for builders to go out to look at what was highlighted.…
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Adverse Possession
I'm in the process of buying a house and have found out that the garden is physically smaller than shown on the title plan as the boundary fence is about two feet into the garden of the house I'm purchasing. My solicitor queried this with the vendors, only to be told that the fence has been like that for over twenty years…
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Buying the first home: what makes a solicitor a good solicitor?
Hi all, despite doing research online and offline, I thought I would ask the question in here hoping other users who have been through this already would share their experiences, opinions, thoughts. When it comes to buying the first home.. What makes a solicitor a good solicitor? Professionally speaking, what should be…
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Landlord demanding inspection every 2 weeks,
Hello, My flatmates and I have moved into a fully furnished rental property. The landlord has an agency managing the property and they are demanding 2 weekly inspections. Admittedly with the first inspection the house was a bit messy and not hoovered etc, but no damage to furniture. The past couple times we have made the…
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After exchange of contracts
Sorry to ask again as i can't find replies to my last post. Have exhanged contracts on a new build bought off plan Have paid 10% deposit and paid for extras, due to complete in couple of weeks Builders are showing people around even though they have a seperate show house. we are getting a key undertaking to allow us to…
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Sense checking Help to Buy stair casing calculations
I bought my flat for £395k, it was valued for £450k recently but more realistically may be £430k. I own 80% and HTB have 20%. I put in £60k deposit, so with the 20% HTB loan taken off (£80k), minus £60k deposit, my mortgage was for £255k. I want to remortgage to buy the 20% share, which would be worth £86k if the home is…
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FTB Queries
I am currently in the position of being a FTB paying with Cash received as an inheritance. Have found a house & have made an offer subject to survey - the house was on the market at 89,000 but vendors accepted an offer of 85,000. Building Survey that came back about 3 weeks ago detailled Essential Works (including possible…
