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House buying, renting & selling

Archives for August 2021

EWS1 B1 rating non-chartered engineer
Hi everyone, I am in the process of buying a flat in London (had an offer accepted and instructed solicitors) and have applied for my mortgage as well. Prior to offering on the flat, i made sure that the property had a completed EWS1 form - it had got a B1 rating. However, I got rejected from the mortgage as the lender is…
Who to sell to?
Hi everyone, first time poster and new to the whole house selling thing! We began the process of selling our house back in May. We found a buyer quickly and made an offer that was accepted on our next house. Last week our buyer pulled out unexpectedly, apparently after a few issues with the survey - this buyer offered 15k…
Purchase of an unregistered recently built property
We are looking at purchasing a relatively recently built property (sellers purchased 1.5 years ago). Our solicitor has identified that first registration of this property has not yet taken place, despite being submitted at the time of purchase to the land registry of Scotland. We are due to move in this week and so the…
Question about viewing a property let
Hi all,Just a quick question which someone might be able to answer.I've been given notice on my current property, which I've been renting for 12 years, due to the landlord wanting to sell it.Having looked around, I saw a property that I liked and contacted the letting agent the same day of the posting and filled out a…
Renew fixed term AST tenancy or go into periodic tenancy?
Hi all I have a tenant on a 12 month fixed term AST expiring end of October. The tenant will come up to 2 years at the property, so this being the second fixed term AST. The tenant being a contractor opted not to have a credit check but instead paid 12 months rent in advance on both occasions for the ASTs. I have asked the…
Retirement housing options?
Hello everyone, I've learnt so much from reading the threads on this forum and I'm hoping you can share some more of your wisdom regarding houses and retirement. My mother is mortgage free and is due to retire in two years, she lives in a 2 bed terrace that she paid £74k for in 2015. She will only receive a state pension…
Website to compare which surveyors should I use?
Is there a website to compare which surveyors I can use? I have a house offered and want to do a surveyor.As for the solicitor, I used the "my home moving" website for comparison.
Buying holiday home in france
We are looking at buying a property in france. It will be cash and not mortgage but we are not entirely sure how things are since brexit. We are looking for advice post brexit and also other people’s experiences. This is something that is in the initial stages but any advice positive/negative will be taken on board Thanks…
Can Landlord change energy supplier?
Long story short, we have been renting almost last 2 years and found out last week LL wants to sell house. From my previous threads you can see some of the events that have gone on. We have received our section 21 notice today, with the notice expiring on 29th December. There is a letter from the letting agents at the…
HELP FTB -Just made an offer, need advice
Edit: have uploaded report on 2nd page. Hello I'm a FTB who has just made an offer on a property. I do not have anyone else family, friends etc that I can ask. Most either do not own their own homes or are not close enough for me to ask for detailed advice. I have done extensive research however, so hoping people will…
Should Building regs certificate cover electrical work sign off?
Just checking with those in the know and anyone’s experience - if there is no separate electrical installation certificate but an extension has been signed off by building control, would this be considered acceptable? There is a new fusebox in a different area of the house and I believe rewiring has been done but the only…
Neighbours land acquisition
Hi There is a possibility that I will be getting a small amount of land off my next door neighbour in order to build a garage. The current wall dividing our properties is fallig down and is his responsibility. The deal (almost agreed) is that I will foot the rebuild cost for the land. Wht do I need to do legally. Im…
Estate agent credit checks - where do I plough my last money?
Good afternoon all, <3 PLEASE could you offer advice. I am in a bit of a huge life pickle atm!! :( :# Long story short: Relationship break down - I break down - I lose job - I need to find a place to live - best bet is private renting So... My ex wants me out of the house (his property, he owns it) asap.... I think my best…
Satellite TV and lease
In my lease, it states that: The Included Rights 6. The right (in common with all others entitled to the like right) to connect any wireless or television set in the Demised premises with any aerials in the Building for the time being provided by or on behalf of the Lessors Provided that nothing herein contained shall…
Estate Agent we're buying new house from query
Just wondering where I stand with the details I give the agent I'm buying the house through. Sold my property and the buyer's details was given to the agent of the property im buying through. He's been in contact with my buyer and was the one who informed me he's been looking at other properties essentially pulling out the…
Back dating Section 21 notice
Hi all, We are awaiting a Section 21 notice from our landlady. I have received a call this morning from the letting agent to say the LL is not happy with the date on the notice and will have 29th December on it. Notice to be delivered today in person. My understanding is that the notice is valid from the date we receive…
Freeholder's responsibilities - Fire
I live in a block of freehold flats and we have 5 directors in the Freehold Ltd. We have done a fire assessment 2 years ago which highlighted some things that are super high priority and should have been done within 3 months, such as changing most of the flat's front doors, because the current ones aren't fire-rated, and…
Parking, only 1 space?
I’ve found an almost perfect 3 bed semi that ticks all boxes except parking. It’s a corner property with 1 space (also a garage). Many of the nearby properties have parking for 2/3 cars so parking a 2nd car nearby shouldn’t be an issue. Im currently single so the 1 space isn’t an issue? I’m inclined to offer as I could…
Am I liable for repairing damp internal walls caused by some dodgy roof tiles?
Hi all I share the freehold with the flat above and unfortunately there are some damp issues. The tiling and gutters were a bit dodgy so we jointly paid someone to fix and replace them. The problem is there was quite a lot of water that ran down his internal walls meaning the ceiling will have to be repainted and various…
Refund of reservation fee
Hello My partner and I reserved a new build in March 2021 and paid £2000 deposit with a move date of January 2022. We signed paperwork and were taken through the plans for the estate which at that time hadn't been started. We signed some forms confirming our reservation and got a copy of one which has little in it aside…

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MSE News

Bank of England cuts base rate to 4.25% – here's what it means for your mortgage and savings
The base rate has been cut to 4.25% from 4.5% by the Bank of England. This rate is used by the central bank to charge other banks and lenders when they borrow money, so the move can impact mortgage and savings rates.
Is now a good time to fix your mortgage or should you wait? Brokers answer as rates continue to fall ahead of expected Base Rate cut
Interest rates on fixed mortgage deals have continued to be cut ahead of this week's decision by the Bank of England on whether to change the Base Rate. But will fixed rates move much further – and should you fix now or wait?
Fixed-rate mortgages continue to fall ahead of expected Base Rate cut – so do brokers think now is a good time to fix?
Interest rates on fixed mortgage deals have continued to be cut ahead of this week's decision by the Bank of England on whether to change the Base Rate. But will fixed rates move much further?
Martin Lewis: How to call your bank by dialling just three numbers
How to call your bank by dialling just three numbers… simply dial 1-5-9. Then you know it's legit. Watch MoneySavingExpert.com founder Martin Lewis' video below, which explains it. And please share – the more people know, the fewer will be scammed.
Martin Lewis: How to call your bank by dialling just three numbers – as 'anti-scam' phone number called over a million times
One million calls have been made to the '159' anti-scam phone number since its launch in 2021, new figures reveal today (Wednesday 30 April). MoneySavingExpert.com founder Martin Lewis – one of the well-known faces most used in scams – explains how to call your bank by dialling just these three numbers.
Martin Lewis: How to call your bank with just three digits – as 'anti-scam' phone number called over a million times
One million calls have been made to the '159' anti-scam phone number since its launch in 2021, new figures reveal today (Wednesday 30 April). MoneySavingExpert.com founder Martin Lewis – one of the well-known faces most used in scams – explains how to call your bank by dialling just these three numbers.
Revealed: Holland & Barrett's supposedly cheaper 'Subscribe & Save' often costs more – it's promised a review after our investigation
Holland & Barrett's 'Subscribe & Save' scheme claims to offer regular shoppers "the best value" – but it failed to do so in the majority of cases MoneySavingExpert.com checked over a five month period. The retailer has now promised to review the scheme after our research found it was often more expensive.
Don't get your passport by post – 360,000 paid more than needed last year
If your passport is due for renewal, apply online if you can – it'll save you £12.50. More than 7 million Brits did just that last year – but over 360,000 missed out on savings by using a paper form instead, MoneySavingExpert.com can reveal.
Sainsbury’s Bank customer? NatWest takes over this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.

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House buying, renting & selling

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