-
Alternative photo I.D for renting
Hi We will be renting soon and I'm told I need photo I.D not just my husband anymore. I have no passport and I don't drive and lost my provisional years ago. I saw online about the citizencard it says its suitable for different things one being to rent. Can anyone confirm any experience of this?
-
First time buyers - advice on major works
We’re first time buyers and have had an offer accepted on an ex - local authority flat in London. The agent told us there were no upcoming major works when we viewed it. It has now surfaced through documents sent to our solicitor that there are planned works for the next couple of years estimated to cost £15k + up to…
-
Is my house sellable without new windows?
Hi, so my mum is wanting to sell her house which has been well maintained and has modern decor. However, the windows in the house are awful. The front of the house is double glazed but the seals have gone on the windows and condensation accumulates along the bottom of the windows. The back of the house is single glazed and…
-
Should I have an electrical engineer inspection on a Victorian conversion purchase?
My surveyor recommended an electrical engineer inspection. He told me what he saw looked like DIY. I already knew it's not up to standards and I'm ok with it. I just don;t want to have to do a full rewiring of the place. I also know surveyors always recommend this to cover themselves so trying to decide what's best to do.…
-
Selling house. Possible issue with two estate agents.
We're in the process of selling my father's house, I am the executor. Before probate was granted, his widow had a single estate agent round to get an idea of the value of the property. As well as getting the estate agent's valuation she was persuaded to allow the estate agent to show the property to a couple of potential…
-
Is a mother living alone and rent free in a house owned by her children a legal tenant?
The family has three children each owning their own properties. They also jointly own another property which their mother occupies. There is no mortgage on the property. No rent is paid and the mother pays all running costs and utilities herself. Is this regarded as a tenancy? Are the children landlords in the legal sense?
-
Current market for buyers
Hey all. So I was expecting to see a flurry of new properties come on the market at the start of Jan as predicted by some EA’s but when I look around I’m hardly seeing any new properties come online. Is anyone seeing the same? Currently we’re in a frustrating position as our vendor still can’t find an onward property and…
-
SDLT
If i time my purchase home to complete on a Friday and the one I’m selling on the following Monday would i still need need to pay SDLT and then claim a refund or would i be able to not pay it? As by the Tuesday i would still only own one house again. Just a thought really.
-
First Party Fraud
I was unsure where to post this question so i posted it in the banking forum I am not sure how the cross posting should work so i thought it best to post a link. (please delete if this is wrong) https://forums.moneysavingexpert.com/discussion/6326060/first-party-fraud#latest
-
How do you define Landlord reasonable charges ?
Hi I have posted a few times on this issue but im having a hard time getting my deposit back from a rental property i left on the 11th of December. Ive had to constantly chase the agent over the phone and never had any written information other than my check out documents i got on the 21st. Last week i raised a claim via…
-
Mortgage affordability check
Do mortgage providers carry out any further checks before a house purchase completes? My mortgage has been in place a while and expires end of March hopefully completing next month. Thanks
-
Current home owner looking to sell, rent, then buy
I own one property which I currently live in. I am looking to sell it, then rent for a couple of months in the new area I am moving to until I find another home to buy in the new area. Are there any tax implications in the above approach? Given it is my primary residence I am selling, it is not subject to Capital Gains Tax…
-
Help on old convenant of ex-council house
Dear Wise Friends, We're in the process of buying an ex-council house and would like to get my head around convenants. The house is one of the many houses on the estate that used to belong to local council to host council tenants back in 70's. The house (also all others on the estate) was sold to its tenants in 70's under…
-
New Build Incentives
I am looking to purchase a new build property which comes with a £7000 incentive, ive been told this can be used for utility upgrades, flooring ect also been told it can be used as an upfront discount on the purchase price. Is discounting the price a financially beneficial way to go or would it be better used for utility…
-
Problem contacting MSE by email
Emailing the addresses fakead@moneysavingexpert.com and forumteam@moneysavingexpert.com have both just given a delivery failure notice. Is it their problem or mine?
-
Gambling
Hello. I currently work away in the desert and i have no outgoings on my bank account apart from a few CC transactions to keep the credit score up. I gamble on football because i enjoy it and it passes the time, i dont depend on it, i genuinely enjoy it. I have applied for a UK mortgage and have an AIP in place. I have…
-
Help to Buy Equity Loan - Second Property
I'm coming to the end of my 5 year fixed rate mortgage and also the interest free period of the HtB equity loan, and as such I'm doing some calculations to figure out what would be the most profitable way forward. One of the options I am considering is to re-mortgage, keep the loan on our house but remove some of the…
-
LR Prevent a sale or mortgage
In the latest money tips newsletter is a section on preventing HM Land Registry from registering a sale or mortgage on their property without consent. There are two parts, the first is to receive a notification if there is a search or application on the property. The second is filling in a form preventing Land…
-
subsidence and insurance on a new property
I'm purchasing a property and the building survey has noted subsidence across the front of the house. Its built on a steep slope and the front garden has hard landscaping tilting towards the house. He suspects the water from the front garden is draining into the front of the house and causing it to slip down hill. They…
-
Landlord ending Tenancy
Hi All, This is a topic that I'm reluctant to get involved with and it involves a work colleague. They've been having a difficult time both personally and professionally and at the beginning of January their landlord gave them 2 months notice. My manager has asked me to assist my colleague on this matter (I think my…
