-
Purchasing council house
If I buy council house with a friend does she have had to lived in property with me first
-
EPC and S21
https://forums.moneysavingexpert.com/discussion/6255609/is-my-s21-valid/p1 https://www.moneysavingexpert.com/?_ga=2.34727841.1285852275.1620129185-1038987866.1618916234 my landlord has asked to do an EPC as the current one has expired, after looking on the goverment website for our address, we can not find one. we know…
-
Buying a property in the UK, first time buyer
Factors to consider: 1) My name is on a family members mortgage as part of a buy to let. Done so the mortgage would be approved. 2) My income £62k (before tax),Not many bills at all as live with family/ no car. Live in London. 3) Deposit saved £100k Im looking to buy a house between £500K to £600k in London alone. My plan…
-
Mortgage amort schedule
Hello Could someone point me in the direction of a mortgage amortisation excel doc, where i can incorporate over payments (one offs/ monthly/ lump sum) too? Or if you have one, could you share? I tried creating one myself but it seems it might be more complicated that i envisioned. Apologies if this is not the right forum.…
-
Complete ASAP - Conveyencing
Good morning all, Has anyone used CompleteASAP for conveyancing through their EA? We were provided with a quite competitive quote but can't find much in terms of reviews so interested to know if anyone has used them or have opinions etc? Thanks
-
Buying a leasehold flat in the current 2021 market
Hello money savers :) I have decided to stop paying off someone else's mortgage through private rent and decided to buy my first property. I decided to buy a little outside of M25 so it is around 30-40min drive to work. I could have bought something inside m25 a little closer to work but I found the area not particularly…
-
Looking to purchase a flat with HTB - concerns about rail line, appreciation + starting offer
Hi all, First time buyers here looking to make a move on a flat we've been viewing what's available on the government's Help to Buy scheme. We've gotten an initial assessment from a mortgage broker to confirm the flat is within our price range and when we viewed the development we were impressed by the flat and facilities.…
-
Can I request a survey be repeated, or some form of recompense if its not up to standard?
Is there any recourse for a building survey that, for example: * contains contradictions regarding the structure? * fails to acknowledge the existence, let alone condition of wall
bars? * missed areas noted as ‘mandatory requirements or benchmarks’
outlined in RICs Home Standard 1st Edition 2019? I don’t feel able to…
-
Temporary renting of newly-purchased house to vendor
The vendor of the house we are buying would like to stay in the house after completion (hopefully before June 30th!) for about six weeks, until the house they're buying is vacant. They are happy to pay us rent. It's a short chain, we are not buying with a mortgage, and we're happy with the arrangement as we have somewhere…
-
Buy under Shared Ownership scheme, or just continue renting?
I'm a 41-year-old single person, living and working in London. I'm currently renting a one-bedroom flat. While sometimes I think the flat is a little small (38.5 sq.m), in general it's a nice enough flat, and not inconveniently located for work and social life. I've been here for 4 years, and have a good relationship with…
-
Solicitor Delaying Purchace- Costing me ££££
Hi all,I’m looking for some help!I’ve been having significant issues with the solicitors I instructed for my flat purchase. They take weeks and sometimes months to action anything. I have only managed to get through to them on the phone once. They were going back and forth with enquires for weeks and when they were…
-
Social housing
once your once your children move out can social housing make you down size?
-
How can be competitive and desirable tenants?
We need to find a rental property and have three young children and a dog and feel a bit undesirable as tenants. It doesn’t help that suitable properties are let agreed within a day or two and we are currently based a couple of hours away (and can’t drop everything to view). I think we’ll have to fall back on photos and…
-
Annex Council Tax/ Landlord Dilemma
Hello all, I am in a quandary that is causing me some distress. I started renting an annex back in February this year. It is a self-contained unit in the landlord's back garden. The ad advertised it as 'bills included' and so I pay a lump sum to the LL every month. However, through reading other posts on this forum, I…
-
Mortgage Offer Extension after exchange
Hey guys, This is probably a really stupid question, but as first time buyers we are pretty clueless. We've exchanged contracts on our new build home, but unfortunately we will be applying for a mortgage offer extension soon, as the build has been massively delayed. We have already exchanged contracts. Will we have to…
-
Second home stamp duty
Looking at buying a second home near my parents. We live quite far away but visit often. If I buy a second home in my name beside my parents and change deeds of our current house to my partners name - can we claim back the stamp duty? (avoid the excess second home stamp duty) I would appreciate any advice.
-
Few issues with RICS report.
Hi, Just looking for some advice really, I'm a first time buyer and put an offer in for a £280k house and I have the valuation and report done as the same time. My issue is that they valued the house at £230k, is £50k drop normal? Also in the report the house was built in 1900, they state that the house is/had wood boring…
-
First time renters
Hi, myself and my partner would like to rent so we can get out from our parents homes. We’re both 25 and earn around £45000 per year combined. How much realistically should we look at for gas, electric, council tax etc. Or per month on amenities.We would only like a one bed just to start off and ‘try’ to save some money…
-
Renting out spare bedrooms - advice / pitfalls
Hi all Firstly hope this is the correct place to post this. Currently thinking about renting out spare bed rooms. I’m on my own in a 5 bed property. I’m considering renting out a double with en-suite, and a double room. Kitchen dinner, living room dinning room would be shared. I’m aware of the rent a room scheme and the…
-
Paying £28 weekly service charge on a house expenditure seems unreasonable
My mum rents her house from a housing association in London (Peabody) and her service charge goes up annually. The housing association does own the block of flats next door as well. There is also a gym below the flats. The thing is my mum does not have access to the communal areas in the flat or the gym. There is literally…
