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Tips: Visiting Property Before Completion
Apologies if there's already a thread on this, but I have searched and couldn't find exactly what I was looking for. We are due to complete near the end of September - everything is in place just a matter of waiting. However, we are due to visit the property on Saturday to take some measurements and take some pictures to…
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Stamp duty
My partner and I are selling our homes and buying a home together He has sold his but mine hasn't as yet .Our solicitor is pushing through the property we are buying but as mine isn't sold she is putting £7000 in stamp duty on as she now's say we will have a second home .which is out intention Mine is a shared ownership…
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can this contract be valid as proof of address ?
Hi, in few days I'm going to rent a room/studio in a house. My situation is the following:https://england.shelter.org.uk/housing_advice/private_renting/occupiers_with_basic_protectionthat is a middle way between a lodger and a tenant. I want open a bank account, do you think that this type of contract is enough as proof of…
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Two houses into one
I'm planing to purchase a property adjacent to mine. What does one need to know to combine the two properties into one, in the sense of a single council tax / utilities? We plan to make an opening on the upstairs landing and remove the kitchen (its an open plan living room / kitchen, so that space will be reclaimed into a…
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Developer holding up exchange with HTB
Post deleted.
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How much do you estimate we could borrow?
Current monthly joint income £3,200. - hoping to see that rise by £800 - £1200 once moved but cant prove that before we move. (new area) This current includes partners student finance and grants - she is going into final year of undergraduate - before going into teaching. Deposit £120,000 Are we in dreamland thinking we…
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Selling a victorian terrace house, should I try to sell it myself (e.g. purplebricks)?
Rightmove link: https://www.rightmove.co.uk/property-for-sale/property-77698990.html Been trying to sell my house for months but without much success. I think the problem is twofold, that it's generally first time buyers who say they like the size/layout but they don't want to buy it because of the colour/decor/floor or…
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How are agents conducting valuations and viewings at time?
Hoping to get a valuation done soon - but didn't know if this was going to be a general online estimation or they come out? Same for viewings?
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Direction Law? Slow or just my bad luck
Has anybody used direction law recently? Sigh
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Share of freehold - no lease
Hi, FTB here so please excuse any ignorance or misunderstandings! I’ve put an offer in on a ground floor flat (not accepted yet). The flat is a Victorian property which was converted into 2 flats. Both flats have share of freehold, but only the FFF has a leasehold; meaning the flat I’ve offered on, does not have a…
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Shared Ownership - should we do it?
My Fiance and I are looking to buy a house. We have been looking and there are plenty of Shared Ownership houses around, this seems great as we could buy a bigger place than originally thought and own 40-50%. My worry is selling. After googling I cannot seem to find people talking about selling their shared ownership…
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Certificate of Lawfulness - Where to Start?
Hi, I have a house that has a roof extension that is bout 50 years old with another bedroom - done well before I was born and I'm now looking to sell. I understand some people think applying for a certificate of lawfulness due to the 4 year rule and that an indemnity policy would be sufficient, but I'd like things to go as…
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First right of refusal - Freehold
The block of flats of which I own the lease for one is being offered first right of refusal to buy the freehold. The offer from the landlord is extortionate, do I have any rights to challenge the price? Ie have it externally valued? There is a commercial property within the block also included, if we were able to buy the…
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Any benefit to paying off existing mortgage prior to moving?
Our existing mortgage has a small amount left on it (maybe £5k) and the early repayment charge is now minimal. Being curious, is there any benefit, financially or otherwise, to clearing the mortgage prior to going into a house move? Paying it off wouldn’t impact our funds for moving.
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Violent neighbours and selling my house
I have a 1st floor flat I just put up for sale. The young woman who lives underneath me has lived there 18 months and we were polite to each other until a C-19 street party she got violent and started beating up a neighbour. We called the police and now she is threatening my wife and myself. It's sheer hell. Just threats…
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Gazumping
We had our offer accepted on Friday for our dream ‘forever home’. Instructed solicitors, mortgage in principle etc and all info provided to the vendors agents on the same day. When we viewed the property earlier in the day we had been told others were interested but had not sold their homes so it in a position to proceed.…
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Numerous lost offers on our property - what to do?
Our property has been on the market since early June 2020. Since it has been on the market, we have had over 15 viewings, 3 of which have resulted in offers, all of which we have lost. The couple who made the first offer disappeared into ether, never to be seen again. The second couple ‘changed their minds’ about the…
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Complex stamp duty question
Hi, so, I have a question about stamp duty that I can't seem to find the answer to, & hoped someone might have some relevant experience? I own a single property in Scotland (purchased for less than £100k in 2016 as my first home, so, no stamp duty paid) where I've been living until recently. I am a UK national, working and…
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First time buyer or should I rent in Northern Ireland?
Hi All, I will soon be in a position to purchase my first house as a first time buyer in Northern Ireland. I am turning 40 next year and am currently living with my parents to help save up the remainder of my deposit etc. I just dont know whether buying a house as a single person is a good idea now with the current…
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What is the average difference between listed price and accepted offer? £250k budget
i have a mortgage in principle from natwest, and the most i could afford is 250k (40k deposit). My question is this; given that 250k is my maximum budget - is it expected or reasonable for houses priced at 275k to accept offers of 250k? Is that unusual, is it normal? What is the general gap between listed price vs offer on…
