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Evidence of leak in ceiling
Second viewing this week and we are otherwise ready to exchange. Spotted water damage on kitchen ceiling under bathroom not spotted last time. What should be done at this point to protect us? I assume any building insurance policy we take out on exchange/completion wouldn’t cover it as it’s already there prior to a policy…
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Builder won’t supply NHBC warranty
Hello, I am looking for some advice. four years ago I had a new build property built by a limited company. In the contract the builder supplied, it stated and we paid for a NHBC warranty. I have never had to use this before but due to moving homes I need this warranty, I contacted the builder asking for a copy and he let…
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End of tenancy access
Hi. I have been renting a property for 4+ years. In March I was served a S21 notice as Landlord needed to sell the property... and then COVID hit. Since the market has reopened the property has now sold. I was asked to vacate the property by 31.08. i am currently working from home as my office base is still shut and I work…
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Thinking of arranging a second viewing on a house but worried I’ll come across as desperate
Hi I viewed a house last week which I really liked however at the time felt it might be too small for me. I stupidly took the EA I liked the house and told him how much my budget was which was 20k over the asking price. I’ve viewed other properties since, but now feel I wanted the view the one last week again and perhaps…
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Homebuyer survey
I am a FTB and had agreed a price of 185000 on a flat. The mortgage valuation agreed with this. I have now had the homebuyer survey back (mainly 2s and a couple of 3s about the structure of the block) which has valued the flat at 175000. I am not really sure how to proceed with this, I assume it’s probably worth trying to…
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Leaking stopcock - home purchased yesterday, where do we stand?
Hi We have recently bought a home that was part exchanged by the previous owners who have gone to a new build. Last week we did a final viewing and we noticed the water was all turned off at the stopcock. We asked the sellers (the developers) why this was the case (we specifically asked the question, "are there any leaks…
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Temporarily buying a second home, stamp duty, capital gains questions
I am currently looking to move house, but am a little confused concerning the rules on stamp duty & capital gains tax. I am not looking to profit in any way from the house sale, just I have a lot of stuff to move/organise so will end up with 2 properties for a period. To outline my situation, I currently own my home…
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Relocating to Birmingham
Hello I will be relocating to Birmingham in Jan. I need to close to New street station as I will commute a few days every week. I am looking for a 2-3 bedroom flat in the city centre. Any recommendations on areas/ specific buildings? Mailbox seems to have spacious flats. Any guidance would be much appreciated.
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House repairs
Hi. We purchased our house just iver 1 year ago. We had a survey done and it identified damp in a certain area. We agreed to purchase the house on the agreement that the damp was resolved by the current owner. The owner was lovely and agreed to have it sorted, she paid a company to come and inspect and do the work needed,…
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No wayleave agreement for lamppost on new property
My granddaughter and her finance recently bought their first home off plan from a major house builder. When they moved in they discovered a lamppost in their front garden for which there was no wayleave agreement and no indication on the floor plan. The company's solicitor has said it is not normal to have a wayleave…
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Homebuyer valuation
I am a FTB and had agreed a price of 185000 on a flat. The mortgage valuation agreed with this. I have now had the homebuyer survey back (mainly 2s and a couple of 3s about the structure of the block) which has valued the flat at 175000. I am not really sure how to proceed with this, I assume it’s probably worth trying to…
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Building completion certificate
I’m due to exchange on Tuesday and today the buyers solicitor has requested the building completion certificate my property is 14 years old and I’ve had it since new with no changes the nhbc certificate has expired and I don’t have a copy of the other certificate is it normal to ask for this and obviously not mortgage…
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Vendor not found a house yet
Hi all, Wondering if anyone has ever been in this position, my vendor has not found a house yet, they are looking for one but nothing has been suitable, and conveyancing on the sale, and my sale has been on going for over a month, draft contracts are even done. I have put pressure on and suggested they go into rental, but…
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Shared Ownership Broker
I am looking to buy a SO property and have just been accepted as eligible. I need to find a broker for a mortgage. I had credit card debt ten years ago which I have been paying off ever since under arrangement to pay. These debts were recorded as defaults at the time but have now obviously fallen off and my credit score is…
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Notices seeking possession now need to be 6 months.
Just seen this on twitter: https://twitter.com/nearlylegal/status/1299358203449348098
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Is this normal?!
We had an offer accepted on a house at the end of May - it's no chain and vacant. We're also no chain so should have been really quick and simple. The problem we're having is that the vendor and/or their solicitor are just not responding! We had a survey booked which, granted, was slower than usual but that's supposedly…
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Deed of variation on missing Leasehold document
Does any one have any idea on how a deed of variation will work on a original missing Leasehold document? We are selling our property an the buyers solicitor has requested the original lease to answer final enquires. We have exhausted every avenue for our original lease the LR have done away with the original for some…
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this might make you think twice about a leasehold property.....
New Building Safety legislation on the way. Talks of additional costs for leaseholders. https://www.insidehousing.co.uk/insight/insight/what-is-in-the-governments-building-safety-bill-seven-key-takeaways-67235
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No DSS
Just read this article about it apparently being discriminatory for landlords to apply blanket bans to those on benefits. https://www.bbc.co.uk/news/uk-53821317 I'm to be a (reluctant) landlord shortly and I don't understand this general policy. In particular, isn't someone who is on long term disability benefits actually…
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House buying Advice Colchester
I am looking for some advice to buy a property around Colchester with good primary school. I moving into a job which will involve working at both colchester and Ipswich. Which are the area to look specially in between these two cities. Thanks
