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Potentially paying the stamp duty a week late
Hi there, Me and my partner are in the middle of purchasing a new property and had our mortgage AIP and also a mortgage offer. The problem is we will be slightly short of money for the property stamp duty (even though we have managed to reserve it - new build). Does anyone know if it's possible to delay paying the stamp…
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When to put house on the market
I’m new to buying and selling. Our current house was our first home and a new build so it was pretty straight forward. Wait for it to be built and continue out tenancy agreement. But we are looking to relocate with 2 very small children this time around. My husband and I have new jobs for September so ideally would like to…
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First time Landlord fees
Hi, I am a first time Landlord and have been given these fees from an estate agent. I was wondering if they were expensive before I sign anything. Thanks
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Buying a property to let
Have cash to buy a property? Is this a good time to buy? Any tips for a first timer and what is best to buy a one or two room flat for example? Does property generally rise in value ? Thanks
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Refund on rent deposit
Hi, I made a deposit payment on a house I was applying for on the 12th of March after viewing property on advice of the agent. On the 14th the agent asked for ID documents to do a credit check. On the 16th I changed my mind and requested a refund. Now agency are claiming £300 out of £625 as costs. Is that appropriate? Mind…
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Cavity wall insulation guarantee. Borescope required?
Hi all, In the process of buying a house. The level 3 survey showed some damp but he commenced that the readings weren't significant (even though the photo of his damp meter showed it was flashing the highest red) anyway....the house has cavity wall insulation and the guarantee has expired. House was built in 1950 and…
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Property underpinned in the 80's no documents
Hi everyone, We have found a Victorian property in the UK. The vendors have informed us that the property was underpinned in the 80's but they do not have documentation for these works. I have contacted the council to see if they had any information with no luck, they advised they do not keep documentation before 1990 . I…
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Possessory Title
I am in the process of purchasing a Freehold property - After Searches it shows the Driveway down the side of the property and land behind the property is Unregistered. The Sellers have stated the next door Neighbour can use the Driveway to move their bins from back to the front of the property but that is all , it is not…
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Ventilation unit - Landlord or tenant responsible for replacing filters?
I have a MVHR ventilation system installed in the apartment in rent. The system has indicated in needs its filters replaced and I'm wondering if its my responsibility as tenant to replace them or if this is the landlords? I've looked through my tenancy agreement and inventory and it doesn't mention who's responsibility it…
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Local searches
Does anyone have a rough idea of how long local searches are taking in kirklees? Ftb with no idea of what's going on
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Purchase Taking Longer Than Expected. Cashing in Mortgage before it expires. Where to put money?
So our house purchase began back in August of 2021, then we finally got the mortgage approved and lender's offer (sub-1%) which expires at the start of April 2022. Unfortunately, the property our vendors are purchasing (a probate) is dragging on and we may find ourselves not completing for another month or two after our…
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FTB: Flat Grade 2 building. Help with section 20 roof repair, subsidence and leasehold with CoE
Hello Forum, I am writing to the Forum as I am always amazed at your support for FTB. I need some help to decide about buying my first flat in London. The flat is in a grade 2 church conversion, with the Church of England as the freehold owner. I am buying a flat in southeast London, but we discovered that the vendors…
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Buying flat with no EWS1
A shared ownership flat in a block of 30 flats, less than 18m. No EWS1 - not required, but the fire risk assessment of the internal building (fire alarm, fire exits etc) was fine. FRA does not mention external walls, however. Housing association said the building will have its external wall system investigated as part of…
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Offering to pay buyer's final month rent
We have just found out today our buyers need a month's notice between exchange and completion, as they cannot afford the rent and mortgage to overlap. However, we need this purchase to go through faster for personal reasons. Is it okay to offer to pay for their month's overlap of rent and mortgage to speed it up? I can't…
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Extra credit before exchange/completion AFTER mortgage offer
Hello, first time positing. I appreciate that there are lots of threads in this, but some are old and contain varying levels of debt, etc. Selling my flat and moving home...mortgage offer was recieved. At the time of the mortgage offer, I had an overdraft of £400 or so that I was in a bit of a vicious cycle with, and…
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Vendors unwilling to Chainbreak, is there anything we can do?
Hello, me and my partner have purchased our first home at the start of December. We were told by our solicitors that end of March beginning of April is a realistic completion time as everything was going smoothly. But we then found out that the vendors original home they were buying “fell through” and they have now…
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Sinking fund exit fee
Hi all After some advice I have contacted LEASE to see if they can advise yet wondered if anyone had the same experience. 14 years ago I bought a shared ownership apartment in the lease (which wasn't pointed out) embedded were the term 0.5% of the market value for each year capped at ten years will be due on sale for an…
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Fair
Please consider your actions carefully. It must be recognised that your contribution was 40 and your partner 5. Anything beyond that is split 50/50. There are 2 types of ownership. The one that isn’t equal split , has different rules and suits your situation best, I think. Thanks
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Gauzamped
So, we have been gauzamped, and feel very low just now. 4 weeks since offer was accepted (also chain complete), my offer of 560k which was 10k above the asking guide price, got gauzamped by someone who apparently left a letter via the postbox. They offer 600k. My mortgage is ready, survey done, luggage packed! I'm in a…
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When buying a house goes pear shaped
So a relative of mine & their partner (not married, not engaged) are looking to buy a house this year.Relative's partner earns twice what relative does as they've a decent paying job. From bits they've said to me, there's various red flags. Now I hope my suspicions are wrong & they go on to live a wonderful long life…
