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Advice please - locating a Guarantor who is awol
Hello, I have a rental property and my tenants have not been able to pay their rent in full, for a number of months and although we have been working with them, we are no longer able to continue. The Guarantor details (collected through OpenRent) are all historic as the chap has since sold his house and his email address…
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Buying house-sitting crack external wall
Hi, we are very near to exchanging contract and building survey has pointed this out. Only highlighted in amber for concern. How worried should we be? Worth paying structural engineer to have a look? Thanks for any advise. Unable to post image as new user but the report says : There is evidence of movement in the form of…
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Agreed tenancy renewal...no new contract yet
Hi, My 1 year AST ends on 14/11, the letting agent emailed asking if I wanted to renew the contract. I replied to say I'd like a 6 month extension if possible, they replied to say the LL agreed to this & we'd get our renewal agreement soon (they did say it would probably be after the end date as they're busy). Now I…
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No Viewings
Hi, We've been on with our EA for 8 weeks and have had ZERO viewings, despite reducing price and generally following their advice. The mypropertyguide.co.uk website article on "the-agency-agreement" (last para) indicates that EA T&Cs do not come into force until we have accepted the first viewing. Has anyone else had this…
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Contents insurance on unfurnished house
I am renting out my house for the first time in the next few weeks. I am currently looking at quotes for landlord insurance, as the property will be unfurnished is there any need for contents insurance? I understand it covers carpets & curtains/blinds. However, if they were damaged I would need to pay my excess and I would…
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Higher Stamp Duty
My partner and I may have to complete on our new house before his is sold (nightmare solicitors). Would we still have to pay higher SDLT if he’s exchanged or is it completion only that avoids this?
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MSE Team Blog: Tricks to boost storage and improve the look of your home
Want to save on space and spruce up your house or flat? There are lots of nifty MoneySaving tricks to 'pimp your home' for less, from low-cost ways to make your bathroom sparkle to raising your bed to create storage space underneath. Folk at MSE Towers know a thing or two about making the most of a smaller pad - after all,…
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Discovering small faults with flat/house before completing purchase
Hi all, What would you do if you discovered a small fault with the house or flat you were in the process of buying but have not yet completed on? In my example, I went for a second viewing about a week after having an offer accepted on a flat. In this viewing, I wanted to make sure everything was functional rather than…
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Life Tenancy - House in Husband's Name Only
For over 12 years, my husband and I have rented various properties from his parents. Neither of us work: I had to give up my career in 2004 to become my husband’s carer (we married later that year) and I have been disabled myself since 2009, as a result of doing all the household tasks he couldn’t. This is our second…
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Remove granddaughter from father's house.
Hello, My father who has dementia moved in with me in December 2017 after my mother passed away. I have lasting power of attorney over health and finances for him. When he moved into my house my niece who lives at her family house then decided to move into my father's house which was fine with me as the property would not…
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Flat with a head lease?
I am currently in the process of buying a flat but the process is being delayed by the fact that there is a head lease in between the current owner's leasehold and the freeholder. The freeholder is a family property management company and the head lease was granted to another member of that same family, so my solicitor is…
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Buying a share of freehold flat thats being split further
Hi Guys I have a question about share of freehold (so confusing!). I am in the process of purchasing a property that is share of freehold, it is split between the 2 flats 50/50. However, the other freeholder has decided to split his flat into 2, creating a total of 3 flats. My question is, how does this affect me? The…
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House Down valued by survey - Advice required
I have just received the report on the valuation survey by the lender on a property that I had an offer accepted on. Just a bit of history – I previously offered the asking price of £115,000, but was then asked for a best and final offer as there was another party that offered the same. I offered £116,500 and lost. Three…
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letting agent listing/rent advice
Some advice on behalf of my sister, who has been looking for accommodation after getting a job. Basically letting agent not honouring offer. We found an letting agent, who had 2 listings on their website; one for £425 p/m, with lots of description and pics of the flat. There was also another listing for £395 p/m in same…
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Self employed partner - mortgage advice
Before I talk to my mortgage provider I need to better understand the impact of someone being self-employed and anything we can do to mitigate the situation hence me posting for advice :) Background, we're looking to move house, aiming to spend around 230-300k, optimum 250k. My GF lives with me (my house, mortgaged), last…
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House Purchase Disaster
Hi, First time poster, old time lurker! Me and my better half have had a disaster recently with a house sale and I was just wondering on what people’s opinions are on our plan B? In July this year we came across our dream house and put an offer in, which was then accepted. For us to purchase the house we would have to sell…
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Online conveyancing
We're just about the sell our house and buy a new one. Can anyone recommend a good online conveyancer, or is it better to go with a proper solicitor? Thanks
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Home Value Protection Insurance - 'blight' insurance
Home Value Protection insurance is meant to guard against a decimation in the value of your home by forces beyond your control. Does anyone know if you can still get it? There was a company who provided this back in 2004 but it looks like it didn't take off in any major way.…
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Buying a commercial property
Hi all I'm looking to buy a shop with a mortgage, I was just wondering if it's better to buy it in my name or a ltd company? I'm putting down a deposit of 25k, the rest will be a commercial mortgage at 4.5%, I have very little experience in this field, what are the pros and cons? Just to clarify, I'm buying the shop so…
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Hesford Real Estate - Anyone heard of them?
Hi, I'm trying to sell a house, and in addition to estate agents, I've set up a Facebook page and paid for some local advertising. From that, someone from Hesford Real Estate contacted me, and after a couple of email exchanges, they've made an offer. I'm a bit nervous about this, as I've never heard of them, and they don't…
