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Our buyer holding off completing
Hi. Not sure if this has been asked before but we need some advice. We put our house on the market in January and accepted an offer in Feb. Since then we have reserved a plot and had a mortgage application accepted for a new house. Since the social distancing measures brought forward by the government, our buyer has put…
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What is the legal position for a Landlord when your tenant requests a rent holiday?
Private landlord letting one property in Scotland.The tenant has been in for 3 years and is a good tenant. But now, due to Covid 19 she has lost most of her income. I have just had a letter from her saying she "requires a 3 month rent break"What are my legal obligations under the present circumstances? Do I have to say yes…
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Tell landlord not renewing, just leave or roll over to periodical ?
My partner has a tenancy that expires on mid June. Due to corona - he left that house and moved in with me when Jenny Harries suggested that. His son remains in the house because as a key worker he is more risk and my partner is immune suppressed so safer all round. Agents wrote to him today “delighted” at offering him new…
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Landlord vs Covid19
Hi, Is it good idea to rent my property to tenant in current situation with Covid19? I was usually using agency, but it looks like they are not working. Can I please get some advise regarding private letting and checks I can do myself to verify tenant? Thanks.
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Property auction problem....help !!
Long story but stick with me please. I rang about an auction property that was ongoing and offered £110k to stop the auction an sell to me early. The lady said she couldn't so that verbally and emailed me a form to sign to make the offer. The vendor rejected the offer and I said I couldn't offer more so was 'that that'…
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Buying a flat in London with indemnity policy
Hello, I am planning to buy my first buy to let property and have placed an offer for a flat in Central London (EC3N area) for a price of £542,000 which has been accepted. My solicitor has notified me that there is no mortgagee protection clause within the Lease and the seller is is happy to reduce the purchase price or…
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My neighbours - Season 3
Season 1: https://forums.moneysavingexpert.com/discussion/5997978/issue-with-shared-front-garden Season 2: https://forums.moneysavingexpert.com/discussion/6078128/walking-noise/ So, yet again another issue with my wonderful neighbours from downstairs. Before you all answer "time to move", yes, I know, but due to lots of…
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Broker misspelled the street name.
Hi, Our mortgage broker left out an 's' in the street name. We received the misspelling on our mortgage offer so I rang the mortgage company up and they told us that the broker has to do a PCV and it looked as if they were aware and in the process of doing this. So just to double check I rang the broker and they assured us…
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Left leasehold but just received bill?
Hi there, We sold our leasehold, completing on 26th March this year. During March we received a service charge bill for 2020/21 (March-March). As per our exchange letter from solicitors we were told to stop paying any bills, the bill wasn't due until end of March so we didn't pay. The bill from management company to our…
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Liability for council tax
If a tenant has a minimum term rental but leaves before term without the agreement of the landlord, does the liability for paying council tax revert to the landlord or does it remain with the tenant? I appreciate that after term, the landlord will be liable.
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Ready to exchange on house purchase - should we reduce our offer due to COVID-19?
We have been in the process of buying a house for over 5 months now and we were finally at the point of exchange when the coronavirus pandemic really kicked in over here in the UK. Everything was placed on hold - however the sellers have now found a removal company willing to take their stuff, meaning they can leave the…
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Broken fence due to Storm
Hi all, hopefully someone can help clarify. I am soon to be purchasing a property whereby some panel fencing has broken due to the not-so recent storm that hit the UK earlier this year. The fencing panels are not within my boundaries and therefore unable to fix myself. I am concerned that as this fence leads on to a…
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Just had confirmation of first mortgage - any advise/thoughts
Hi All I am just posting to see peoples thoughts on my sons current conundrum.. My Son and his GF had an offer accepted on their first house just before COVID-19 hit, they have a nice tidy deposit and today had confirmation the 5yr mortgage offer has been approved. Both my son and his GF are currently on furlough until…
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HTB - Part Ex
Hi, I’m after some advice please as I can’t find a clear answer. My current property has a HTB equity loan on it and I want to part exchange it for a new build (not taking out another HTB). Therefore the loan would be redeemed in full upon selling to the developer (based on the valuation). Does anybody know if this would…
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Tenant arrears and potential problems with tenants - how often does it happen?
Hi Guys, I have been thinking about BtL as I have got some cash that is only losing the value due to inflation sitting in my bank. BtL + Interest Only repayments + high enough deposit to sleep well sounds like a nice idea to me. At the moment I am looking for information about this business, eventual costs and problems and…
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Buying a unique property with a private mortgage
Hi, TLDR: * Want to buy a property for 500k, where landlord has a 164k mortgage on it still * Want to buy directly from the landlord and have a private mortgage where I repay him at a low interest rate but in 'chunks' where possible * Unclear if we can do this without agreement from his mortgage provider * Would prefer to…
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New property right next to fence - old planning permission
Hi All Does anyone know what the law is with regards to building a new property within a metre of a boundary line/fence? From what I can find, the planning permission was granted in 2004 for four properties in a strip of land at the back of my property. Three properties were built long ago and it seems now the fourth has…
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Price correction on newish houses in last financial crisis
Hi All, We are in process of buying a house in North East. We have not exchanged yet but everything else is in place. I am getting slightly concerned about the house dropping in value after COVID impact is felt by the housing market. However, the house we are buying was built 4 years ago and only raised in value by circa…
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Tenant -partner moves in-New agreement
I am interested in feedback/thoughts from others on following situation . have a reasonable sole tenant . Without advising us in advance has just moved partner into the property citing CV issues and two can live cheaper than one. wants her partner on tenancy agreement ,so we need new tenancy agreement-which of course under…
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Aggressive neighbour damaged my fence
I have a problem with the fence in my rear garden. One of the fence panels keeps falling out in wind and it looks like this is because the concrete fence post has moved. I called a maintenance guy to come and have a look at fixing this and he showed me that all the posts are out of line and will all need replacing or…
