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Slow seller risking chain collapse - options
Two of the three parties in our chain have an immovable deadline of mid-February for completion. The third has been slow to proceed throughout and now seems to be in danger of causing chain collapse. They delayed instructing for 5 weeks at the start and have been stalled on getting answers to their last 2 leasehold…
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Landlord can't afford repairs?
I'm getting sick on this landlord already. We moved in November last year with our 8mo twins and from the beginning have just had numerous problems. The 1st reception room has mould building on the walls but during the viewing we didn't notice any mould. The windowsill also had dead flies and bugs and he claims he had…
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Getting A Sky Dish Without Permission
To cut a long story short. There's 6 tenants( in different flats ) and four of which have a Sky dish for themselves. I asked my landlord if i could get sky, and they said i'd have to use a communal dish. ( we do not have a communal dish,i even asked sky ) Given that 80% of the tenants here have a discrete sky dish on the…
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To buy or rent when I already have a property?
I have got my finances back on track after paying off several debts. One thing that helped was letting out my flat and moving back in the family home for a few years. Now I want to get my own place again as I'm not getting any younger. I own 30% of my flat with a 5 year buy to let mortgage on it interest only. The rental…
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Moving money from Help To Buy ISA into Lifetime ISA?
Nearly a year ago I set up a Help To Buy ISA and a lifetime ISA. I've been putting £200 into the HTB each month with the plan of then moving it all into the lifetime ISA, however I can't remember why I decided to do this/the benefit of it. I've been tryingto look this up and can't find the answer. Anyone know? Thanks
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Test for lodgers or tenants
I rented a room last year from a woman who lived in France. The house had three rooms, two doubles and one boxy room containing a pullout sofa bed. The landlady lived in the house for a year or so after she brought it before moving to France. I think that was 5yrs ago. She keeps things in the basement and the house is…
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Stamp Duty Confusion
Just wondering if anyone can help. I owned a home from 2007 - 2018 - now sold. The property was always solely in my name (bought before I met my husband). We now are moving to a bigger house and wanted to do it in husbands name only (as he’s technically a first time buyer) and therefore pay £0 stamp duty (house under…
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Part exchange prospects
Hello, Just interested in getting any advice people might have. Myself (and partner) have been looking to move house for a short while. We have been in our property for 2 years (we were 1st time buyers). A new development launched last summer, and we were thinking of doing part exchange but decided to try selling privately…
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Houses with basement garage construction
Looked at a house that is great, apart from the fact it has a basement garage. The house is two years old, and is raised a storey from the street with the garage underneath on one half and steps up to the front door and rear garden gate on the other half. Rear garden is at main floor level as the house is built on a…
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Debt and approved mortgage with conditions
So we are currently waiting to see if NatWest approve a mortgage application. My husband has applied for a single mortgage on his own as he can afford it, but I will be living there too. I am self employed, and have a debt of about 2300 - which I have transferred to a 0% interest card and will pay almost half of with…
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Under offer
What is the limit of a reasonable under offer? Presumably if you offered 50K below the asking price, it wouldn't really help anyone including the buyer (who will probably still want to deal with other sellers and agencies and doesn't want to come across as a loon). What substantial under offers have you heard of / come…
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Splitting tile and selling house
Hey all, I wondered if anyone can advise us before we go to a solicitor so I know what to expect. We have a house on a corner plot and it is mortgaged. We have got planning permission to build a three bed bungalow on a plot on the mortgaged property. Our plan is to sell the house pay the mortgage off , live in a caravan on…
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Renovating neglected property
How much money and time do you think it'd take to make this house liveable? Removing the jungle of a garden front and back to make it accessible, replastering and decorating the whole thing, completely replacing the kitchen and shower, replacing most (or let's say for simplicity all) windows. I'm being optimistic and…
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LISA help
Hello! I have just purchased my first house and I am planning on using my life time isa as part of the deposit. Is it true that if I use the life time isa as the deposit on exchange I have to complete within 90 days or I lose my bonus? any help would be greatly appreciated as it is on a new build and they want to exchange…
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SDLT liability when moving in with partner
My girlfriend is looking to buy her first property. She will buy this with her own deposit and raise the mortgage herself. We have discussed that if, in the future, I move in with her, I would contribute towards half the mortgage costs. I already own a property myself which is my current residence. I would like to retain…
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New Build- They're changing the garden size, OUR RIGHTS?
Hi, So we reserved a property with Miller homes. They showed us the original plans and we signed to say we were happy. She verbally stated a the time due to some trees they may need to move the boundary line back by 1 meter max. We weren't that fussed, it meant we didn't have the protected tree on our site. HOWEVER we got…
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Buying a house that might not have planning permission for an extension
I wanted to try and get some advice and gauge opinion on this. I know ultimately the decision has to be mine and how comfortable I am. I am in the process of buying a new house and we are nearly there but late in the day it has become apparent that the vendor doesn't have a copy of the planning permission for the…
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Stamp duty recovery on second homes
As I understand it the higher rate of stamp duty can be reclaimed if the main residence is sold within 3 years of buying the second home. My situation is a bit different. We have bought a second home and we intend to sell our main residence and buy a new main residence however this will mean also selling our second home to…
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Restrictive covenants
Just reading through the covenants for the new build I'm potentially buying and find it extremely limiting, almost like it's not our home! From reading through other posts on here, it appears majority say it won't matter once the developer has sold up and left, unless a neighbour complains. * Not to erect or construct any…
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How to pay for work after bad survey when getting mortgage??
Hi. This is my first time posting, but read this forum a lot - just really struggling to find anything about this other than one single web page which doesn’t really talk about this explicitly. We’re buying our first house. We absolutely love it, however it definitely needs a lot of work but will be doing most of this one…
