House buying, renting & selling

Discussion List

• First time buyers with help to buy isas in Scotland

  Hi folks, So the situation is we are a couple with a young child looking to get on the property ladder with our first home, in the hopeful not too distance future (year or so). My first question is: I have a help to buy isa and my partner has her own LISA account, can you both use your gov bonus towards the house deposit…

• Question on equity split mortgage payments

  Just need some advice house is sold the ex has left the property. I have been paying the mortgage entirely with no contribution from him for 18 months I haven't brought it to the solicitors attention but I'm wondering if I bring it to her attention and say can half the mortgage payments I've made for the last 18 months get…

• delete 123

  delete 123

• Renewal rental agreement, another deposit required?

  I'm asking this on behalf of my Son. He's been in his flat for a year and is happy with it and wants to stay so told the landlord can he renew. He's got his renewal docs through and in it its asking for another deposit... he's not had the previous one back.... I've not rented for years so not sure if this is normal??? I'm…

• Title deeds question if wording. Help needed pls.

  Can someone please put this found on the Deeds into layman’s terms for us. Many thanks in advance. B: ‘RESTRICTION: No disposition of the registered estate by the proprietor of the registered estate or by the proprietor of any registered charge, not being a charge registered before the entry of this restriction, is to be…

• First Time Buyers- Can’t get on the Ladder

  Me and my partner have been looking for a house for two/three years and still haven’t had any luck. We are first time buyers with a large deposit, still living at home and are completely ready to go. We’re not at all picky about what we want, but for some reason our offers just never get accepted. Our continuous weekly…

• Best way to negotiate after survey?

  Hi all, Firstly, thanks to everyone who posts, as this forum has been a great help during my (FTB) process. I was wondering how you all feel the best way to negotiate after a survey would be. Essentially, I have had a full survey done which has shown a few minor issues (4-5) and a few potential issues that need further…

• Advice on St Austell area

  Thinking of buying a house in St Austell. Is it a pleasant place or grotty?

• Neighbour's Tree

  My neighbour has a water birch tree at the end of their garden close to the border with my own garden. My neighbour and myself live in joined 3 floored semi townhouses that are about 20 years old. The birch tree in their garden is now very tall without a substantial trunk, and it rocks in the wind. When it's really windy,…

• Deed of Variation for doubling ground rent

  Hi I’m wondering if anyone has dealt with having a deed of variation completed somewhere in their chain? I’m number 4 in a chain of 5 the number 1/2 people are having a deed of variation that is apparently done but are waiting for it to be signed by the property management company. This so far has taken 2 weeks to no…

• Timescale of lender approval for indemnity policy

  I’ll try and be as brief as I can. We have been having a complete nightmare selling our house. Our original buyer dropped out after 11 weeks saying it was taking to too long which, given there has been the stamp duty factor and COVID, I thought, was totally unreasonable; especially given that their offer was not…

• Accepted builders warranty

  Hello everyone, Do you know who Hodge Bank accept as providers of Building Warranties? basically alternative providers to NHBC. Is there a list they will accept? 

• Porting a mortgage

  Hello Can i check this plan to buy a £300000 house to make sure i'm not missing anything.I have a house in which i have a £100000 mortgage. If i sell the house for £200000 and port the £100000 mortgage does this mean that i am now able to add these two together to buy a house worth £300000. Is there anything else i should…

• long vertical cracks in outside brick wall

  I have viewed a house (terrace, late 19th century) which I like in other respects but I noticed a long vertical crack in the back outside wall, close to its junction with the next door house, extending right up the wall. It's in the masonry not just the plaster. There's another one inside on same side. The house is not on…

• Pressured to exchange on new build but it's the developer's solicitors who are causing the delay

  Hi, My partner and I are in the process of purchasing a new build property from a well known developer. The house is now finished and the developer wants us to complete at the end of this month. But despite the developer's solicitor having had since mid-May to reply to our enquiries, they still have not responded to…

• Non-majority shareholding director wishes to prevent/influence sale of registered property asset

  Hi,Quick one. Generally does a 49/51 company director have any control over land/property asset. ie can the majority shareholding directorer sell the land against the wishes of the other director on the Land registry TR1 form?

• Selling my sole property while also being "tenant in common" on a separate parent's house

  Hi all. As the title suggests I'm in the process of selling my house but want to know if I'm due to pay anything extra (capital gains?) as I'm also a tenant in common on my mum's house since my dad passed away last year. I know there isn't any capital gains to pay when selling a sole property but I need to understand if me…

• Is this normal?! FTB final stage nerves!

  I’m in the final stages of buying my first home (hopefully exchanging contracts in the next week or so) and I’ve started to get really nervous about making such a huge commitment on my own. I love the house I’m buying and can’t wait to get started, but there are so many unknowns! I’ve had a survey carried out so…

• Help to Buy ISA - Do fixtures and fittings count towards £250k limit?

  We've recently had an estate agent suggest to us that the £250k limit does not include fixtures and fittings. In other words you can be sale agreed at £250k, then as part of house negotiations get hundreds or even thousands added onto that in fixtures and fittings without it affecting your bonus. We can't find a straight…

• House advice

  Hi all. So i had my house valued this week and I’m happy with the valuation £110,000 on a 2 bed semi in South Yorkshire. I currently have no mortgage and I’m 34 I’ve been looking at houses at up to 200k I’d need a mortgage again for this. Only problem is I’ve not yet seen my “forever home” and the market seems crazy. I’ve…