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Is it possible/wise to pay rent/phone contract/council tax with credit card?
Apologies if this is a silly question but is it possible or wise to pay monthly things off such as my rent/phone contract/council tax using a credit card? If it's possible, why would you and why wouldn't you? Thanks!
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Leasehold house
Hi I’m currently in the process of buying a leasehold maisonette, and have been looking at buying the freehold in the future. When researching this I keep reading that you can buy the freehold as long as you meet the criteria, but not what the criteria is. Does anyone know? Also reading through the leasehold agreement, the…
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Buy to let mortgage for the property I live in
Hi All, My two year fixed mortgage is coming to an end in three months. I own only one property and I live in it. I might have to move abroad for few years very soon (6-8 months time) and I am not sure what type of mortgage I should take. Is it possible to go for a normal mortgage and ask the lender for permission to let…
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Registering Property
My mum purchased her property in the mid 60s so it is not registered with the land registry. As she is now in her late 80s we are wondering if it is worth voluntarily registering it now to avoid any problems when the worst happens to her. Not even sure if her name will be on the deeds as I have a feeling my dad purchased…
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Home on Market Since July. Advice?
Hi all, I was hoping someone might be able to give us some advice on what to do next. Our home is currently on the market (now the only home on our road for sale), and has been for over 6 months now. To be honest we're slowly considering giving up on selling for the time being, but really we do want to move. We've had over…
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family temporary lodger
Hi My wife wants her sister and our niece to move in with us for a year. The reasoning is so she can give up her council house and save money for a new place without the burden of rent. My question is will I have a legal nightmare getting them out of my house if they suddenly decide they don't want to leave after a year?…
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Buying house from parents
Hi all, my partners parents were going to give us a plot of land in a back field of a property they own. There is a house on the land which they planned to retire and live on . Sadly in a change of circumstances failing health and not fit to work, would it be possible to purchase the house and land from her parents for…
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Barratt home kitchen
Hi everyone! Have recently reserved a plot with barratt. I'm due to see it on Monday. However I have a few questions. My house has a 'gold' kitchen/upgraded kitchen. All white goods will be included. Just wondered if these white goods are normally intergraded with a gold kitchen. Anyone know? Also if anyone could list what…
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Scottish lift
Hi! Three years ago I bought a house with the Scottish lift, now I'd like to move from the house and rent a flat, can I do it without sell the house? I have to give some communication or ask an authorization to leave the house? Thank you for any answer
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Building regs
So buying a new house and have been informed by solicitor (finally) that the sellers do not have copies of the Planning Permission and Building Regulation approval for the following works but have indemnity insurance. Should I accept this? A garage conversion which is now a kitchen - completed prior to February 2017 The…
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Renting a flat - student overdraft
Hi there, I have a query about when I can rent a flat. I've recently graduated and just got my first full-time job. I have a £2,000 interest-free graduate overdraft with Santander that I'm about £1,400 into at the moment. When I get my first wage packet the balance will be just over 0. I'm keen to move out and rent a flat…
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Renting - Leaving before the term ends?
We are private renting where the term is until August of this year. We weren't expecting to have enough for funds for a mortgage but we have saved more than forecast and both had pay rises. We expect to have enough by April and like the look of some new builds that will be ready in June/July. We could just about live with…
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How to buy our rented house...
We want to look into buying our rented house. I assume the first step is to get a valuation of the property. - Can we do this as we are not the owners? - Will doing so alert the landlord or factor to our actions? - We are talking Scottish housing market, maybe makes no difference to the above. The house is unusual for the…
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Beaking residential lease early
Hi all, hopefully someone can give me advice on this as im unsure of the best way to proceed. I starting renting a flat in November 2018 -lease is for 1 year with no break clause. I work mostly from home and only go into the office once per week so its important to have a quiet work environment (something the landlord…
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Homeless with an IVA
Hi I am posting about a friends situation, I want to support her in the best way I can and am asking for some guidance please. Summary: single female, currently working full time but at risk of losing job because of sickness absences (due to stress and anxiety). Declared a IVA from June last year, housesitting for a friend…
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7 viewings but 0 offers
Hi everyone. I am arranging to view a house to buy. I have viewed another property and made an offer but was rejected because they thought the price reflects the work need doing. It really needs a lot of work. So I’ve put that out my mind and found another house I like. I know the area as it’s around the corner from my…
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Traditional Estate Agent or Purple Bricks or similar
Hi, Preparing to put our house on the market in a few months time - just wondering whether to use Purple Bricks (or similar), but feeling a bit unsure. Has anyone used them and what do they think? Or, shall we go the traditional estate agent? We will be buying in another part of the country - and I am thinking of…
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Help To Buy Government Valuation
Hello Has anyone re-mortgaged at the end of their initial 5 year Help To Buy equity loan interest free period and had a government valuation? Interested to hear experiences in process, government valuation v market valuation, ease of which re-mortgage was sought/obtained, time frame, other costs involved, etc. Thanks in…
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New build Snagging report Vs Level 2 Survey
I am about to purchase a new-build house and am looking into survey options. I cannot decide whether I should use one of these 'snagging specialists' or if it's better to just get a level 2 surveyor in? The level 2 surveyor is coming up as cheaper. The snagging company states: This snagging inspection report has been…
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Buyung Into Partners home with no mortgage involved
Getting slightly confused here. I've been living with my partner for a while now and have recently sold my house. I now want to buy half my partners house with the receipts from my house sale, so she can retire.. There are no mortgages involved. Is it simply a matter of amending the deeds to become Tenants in common? Any…
