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House buying, renting & selling

Archives for April 2021

Kensington mortgages - landlord reference
Hello, We got our DIP from Kensington on 22/04 with the full application going in 23/04. As you'll probably have guessed, we have adverse credit but do fit the criteria for one of their products. Kensington have come back requesting a landlord reference. I'm a bit concerned about this in case the mortgage falls through and…
Borrow against a foreign property
Will any lenders allow us to use equity tied up in a property abroad in lending against a residential property? I.e My wife owns a property aboard and we would like to use this to allow us to increase the amount that we can borrow on our residential home.
Didn't get survey, now house falling apart!! Advice welcomed
I bought a property 12 years ago, when I was quite young and inexperienced. Anyway I didn't get a survey at the time!!!!! I don't know why. Fast forward 12 years, and its just been pointed out to me that the walls down the side of the house are bowed. They are :-( I never would of spotted this, now I can't unsee it.…
Prices dropping after stamp duty holiday ends
Do you think that house prices will drop after the stamp duty holiday ends? If so, to what extent? Houses around my area are being snapped up for silly money currently, so much so that I'm thinking of putting mine on the market. I wasn't planning to move for a few years yet, but to my mind, when the stamp duty holiday…
Slightly short on offer - advise please
Hi everyone First time poster and first time buyer so be kind :) Myself and my partner had an offer accepted on our first flat and we're going through the motions now of getting it all sorted out. However due to reasons beyond our control (mortgage was offered slightly lower than originally agreed and one of our parents…
Selling & moving into rented
If you sell and your buyer is wanting quicker than you can do, so you’re moving into rented (or into the mother in laws), at what point are you deemed a first time buyer again? My worry is we don’t want to be looked at as ftb having been a home owner for 14 years. I might be overthinking though.
Lost in the world of 'home ownership and inheritance issues'
hey everyone, thanks for reading my post, I can't find anything similar here, so I started a new thread. Here the background information: * A couple of years ago, my father passed away, leaving my mother all alone in Lancashire, far away from my brother in London. * So we decided to sell my mom's house, and settle her…
Missing lease pages on flat
Hi all, hoping you can provide some advise. I’m in the process of buying a share of freehold flat. Searches have been completed and responses to the enquiries have been received. On the whole nothing too concerning. However, it seems the head lease and some of the pages of the actual lease are missing. I know I can get…
Shared ownership property, GDPR nightmare exposed previous attempted purchase at £48k less than me
Bit of a crazy one, I wonder if anyone can advise. I'm buying a £220k flat at 50% share, so mortgage of £110k. The property had an original buyer end of 2020, but it fell through before she could complete. The Housing Association asked me to fill in the CML finance disclosure form for first sale of the property, however…
Potentially being lied to be EA/vendor?
A house we wanted to view back at the end of March (but sold before we had chance) came back on the market earlier this week. I viewed the same day, put in an offer and it was accepted - great news after months of disappointment! I asked the vendor, who showed us round that day, why the sale had fallen through, they said…
Risks of buying a flat with an EWS1 A1 rating?
I am currently in the process of purchasing a flat - 4 storeys, brick construction, balcony. Being new to this I hadn’t really appreciated all of the issues surrounding Grenfell and the EWS1 certification. The flat I am proposing to buy has the certificate with an A1 rating, but I still want to understand what risks I am…
Is there possibility of second bathroom in house
I am attaching floor plan of house I am buying. There are multiple storages at ground floor. Would it be feasible to merge all and create one large bathroom.? There is no scope to create wndow in bathroom. Would you suggest how ventilation be done if bathroom is feasible to create replacing storages? I am also thinking g…
Deposit held due to cleaning
Hi sorry if this has been asked before. My landlord, through letting agent, has done deducted £150 from my deposit as they say the flat has some dust when i moved out. I arranged professional cleaning through the letting agent for which i paid £250 Surely if the flat wasn't cleaned to the LL standard then this is down to…
How to proceed with a house offer when it is “sold as seen” - Scotland
Hello. we are viewing a house in a few days(Scotland) that on reading the description is sold as seen. Some items that are listed as being included - 65inch tv, sound system, computer desks and screens, washing machine and tumble dryer. Gym equipment, sauna, TVs, American fridge freezer The reason we looked at the property…
Solicitor bill received when terms and conditions not signed - Do I have to pay?
Hi all, First time buyer so admit I am probably just naive in this situation.. I was going through with a house purchase but had to pull out due to do the valuation coming lower than the asking price. I had instructed a solicitor. They had read a contract and raised enquiries on my behalf. No searches were instructed. I…
PRC House advice needed
Hi there, I've had an offer accepted on a house but I didn't know anything about PRC Houses until now. The house has a certificate issued in 2002 by the City of Plymouth Building Control manager at the time. The bank I am getting the mortgage from are happy with the certificate but I have some questions about it still. I…
Flying Freehold
Hey wondering if any of you could help. I own a ex council terraced house and my neighbours back bedroom is over my kitchen and bathroom which also looks into my garden which isnt an issue. Next door is council owned, i was wondering is there anyway to buy the flying freehold (room) from the council and if so how would i…
Advice on property chain please
Hi All! My partner and I had an offer accepted on a property back in December 2020 and are first time buyers, we have done and exhausted everything we can from our point of view and are currently waiting for the vendors to find and purchase a house, this has been going on 5 months + and they are still no closer to finding…
Floor Plan from vendor way out to EPC
Purchasing a property which is listed as 265 sq metres. Standard valuation been done and just waiting for the home buyers which is happening in a couple of weeks. Purchasing from a well known agency who advertise on television. No fitted wardrobes involved or anything to alter measurements too. Checked the EPC and it has…
Responsibility for removing a wasps nest from the roof of a flat I am buying
I am buying a top floor flat in a very old building. When the survey came back, they noted that there were quite a lot of dead wasps around the flat, especially on the window sils. On further inspection of the roof space, a wasps nest has been found. I went round for another viewing today and it's pretty extensive. I was…

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MSE News

Last chance: Stock up on standard first-class stamps before prices rise by 14% next week
You've got just days left to stock up on first-class stamps before prices rise by 14%. From 2 October, the cost of a first-class stamp will be hiked to £1.25 – but if you buy stamps at their current price this week, you'll still be able to use them later.
'Unfair' standing charges need to go: MPs back Martin's and MSE's calls for energy bill overhaul
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The NatWest Group will shut at least 143 of its bank branches throughout 2023 and 2024 following its latest announcement.
Bank of Scotland, Halifax and Lloyds to close 35 more branches in 2023/24 – here's the full list, plus alternatives
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Martin Lewis: Urgent warning for savers as base rate held at 5.25%
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E.on Next's Pledge tariff costs £50 less than the Energy Price Cap – should you switch?
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Workers aged 18+ could benefit from a hidden pay rise in future as new pension auto-enrolment rules get the go-ahead
Workers aged 18 and above may benefit from a 'hidden' pay rise in future as the Government now has the power to lower the age limit to be automatically enrolled into workplace pensions from 22 to 18.

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House buying, renting & selling

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