-
What to expect tomorrow - exchange/completion in a chain
We are due to exchange and complete tomorrow, we are the beginning of a chain of 4. I know for completion is just goes up the chain so our money gets transferred first etc but what happens for exchange, does it have to go all the way up the chain and then back down again before money starts being transferred or will our…
-
Confirmation from my conveyancer re. completion.
So I'm a FTB completing tomorrow, it's been a long road! However after a a few emails and calls to my conveyancer today, he has yet to confirm what time he'll be sending funds over to the seller. Is there an average time for this or is it more, "whenever they clear"?
-
Conveyancer nightmare
Hi, I know buying a property can be stressful but I seem to have made a huge mistake appointing a conveyancer to complete my purchase rather than a reputable/recommended solicitor. I won’t name the company given the sale is ongoing but the service I’m receiving does not reflect the mission statement or the majority of…
-
Home-survey and valuation: Either, neither or all?
We've got to the point where we need to consider a home-survey. It's for a house forming one of sixteen properties on a small mid-90s development, all the properties were built by a local well respected builder to a decent standard. Walking up and down the street, there appear - to a lay person - no obvious problems. I'm…
-
Guarantor - Whose Credit Rating is Checked?
I am looking at renting as a mature student. My parents can serve as a guarantor. As a result of health problems, I had to enter a DRO 4 years ago. I understand this could cause an issue if I were just renting without support. However, if the rent is with a guarantor in place, is it only their credit rating which is…
-
Post Removed
Post Removed
-
Buying a house with previous basement flooding
Hi All, I'm currently in the process of buying my first house and have just received the searches from my solicitor. After reading through the paperwork, the only real concern is that the property has had two previous occasions of surface water flooding in the basement, although fixed by the insurance I don't want this to…
-
New Build : Incentives that are acceptable to Lender
We are in the process of buying a new build using help to buy and have been offered 5% deposit contribution by builder. We would prefer to use the 5% for extras to furnish the house from Upgraded kitchen , carpets , spot lights, tiling , heated radiators , extra sockets etc. Is this permitted on the reservation that will…
-
How to fund renovations if buying a dated house
We are looking at properties, wondering what ways can we fund renovations if we go for a dated house which needs £20 to 30k spent on it to modernise. Can this be added onto the mortgage?
-
Selling and buying at the same time - Moving
Hi, We're in the final stages of selling our home and buying our next property. Our purchase is reliant on the funds from our sale (just in case that matters) so both the sale and purchase need to happen at the same time. No matter how much information I've read about exchanges, completion dates etc I still can't seem to…
-
First time buyer mortgage payment
Hi, We are due to move in to our first home middle of September. Our mortgage is set to be taken out on 7th of every month. When would our first payment be? Also, would we paya full month's mortgage and only be in the house for just over two weeks for that month? Or do they work it out from when we moved in?
-
Tenancy agreement was coming to an end but then we exchanged some messages
Hi, I am looking for some advice. Basically my 12 month tenancy agreement was coming to an end and because not many properties are on the market right now, I asked the current landlord for the possibility of renting for another 12 months. We exchanged some text messages discussing some terms but a week later I have found a…
-
Landlord threatening post tenancy professional cleaning costs that weren't in Inventory
Hi all, When we first moved into our old flat (3 bed 1 bath 1 living room, all on one floor- not big), one of our conditions of moving in was that the property, including carpets, would be professionally cleaned (as well as black marks and water stains on walls painted over which never happened). When we moved in it became…
-
Purchase price different to mortgage offer
Hi, we are due to complete on friday (tomorrow) and our mortgage company have just queried the purchase price with the solicitor. We’ve ended up offering £157250 for the house but the mortgage offer is still staying purchase price of £156000. When we spoke to our mortgage advisor she said that’s not a problem as we were…
-
Ex won't move out....
Hi My ex is refusing to move out of where we live. The house is rented, since May 2018, and the tenancy agreement is in my sole name. The Council Tax is paid in full, but doesn't name the ex on the documents. She has not contributed to the rent, any utility bills, nor paid any utility bills. I wish to continue living in…
-
Neighbouring /bordering unadopted road issues
Hello. I appreciate this may not be the right forum for this question but I thought I would try just in case!We have bought a house that sits on the corner of an adopted road and an unadopted private road that runs along the length of our property. It runs down the right Side of the house and along the entire length of the…
-
I need advice on breach of contract
This is a complicated case. 3 years ago we moved into my partners grandmas house signed a contract that the money we pay £500 a month goes into a savings and is given as a deposit to buy the house. The contract ended in June and my partners mum now has say over hers mum finances and has been dragging her feet. We have the…
-
End of long tenancy
We have rented a house for 10 years, and the landlord wants to re-decorate and re-carpet. We have moved out and thoroughly cleaned the place and are still within the notice period. The landlord wants the maintenance work to take place within the time of our tenancy. I said they have to either wait until the end of the…
-
Ex is refusing to sign sale papers
Finally have a buyer for house and ex is trying to block sale of hlise as he is now going back on our financial agreement and refusing to sign papers for sale of house and is insisting we have to go to solicitor to get an agreement of fi alcial settlement drawn up even though I have messafes (WhatsApp) agreeing to the…
-
Renting - Utility advice
Hi all, looking for some advice, have been renting in a joint tenancy agreement with my a family member since Sept and have given notice to leave at end of fixed term next month. Relationship broke down and my family member moved out in July however continued paying rent until end of fixed term, with myself covering rest…
