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Advise on first time buyers in 2023 - preferably NEW BUILDS
hi guys, I am a first time buyer and looking to buy a property in a choice of 2 cities. (where I work) though I work from home and (where my daughter lives) which is closer to London and hence more expensive. I work with software and dont really have time to renovate a property. Hence I am looking at new builds and…
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RTB in progress but discharged bankruptcy on K18
Im about to complete on a RTB purchase however the land registry K18 shows my discharged bankruptcy. Discharged 2023 The lender is fully aware of my circumstances and mortgage is agreed however I’m wondering if this will cause any problem at completion? Both solicitors are aware & have a copy of discharge certificate too.…
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Stagnant Property Sale
Thread no longer present
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RICS Level 3 Survey
I have recently had an offer accepted on an old 2-bed Victorian semi-detached property. Is there any major benefit in having a Level 3 Survey carried out? I ask because… - The property needs a lot of work and so will therefore require a complete refurbishment. - I have already had a builder, electrician and plumber…
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Buyer premium
I had a verbal offer accepted on a property but it came with a buyer premium. I paid the premium and now after having a MIP my application has been declined. I am now out £3600 premium and the house will have to go back on the market as I can't get a mortgage for it currently. Should the premium be refunded or am I being…
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Given notice to leave tenancy, no response from landlord
Short version: My daughter and son-in-law have emailed their landlord, giving notice to end their tenancy. Their landlord has not responded. What should they do? Longer version: My daughter and son-in-law have rented the home for 5 years and the landlord has always been difficult to contact and rarely responds - the last…
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Part Exchange help please!!!
Hi All After some help and clarification please! Or if I am completely on the wrong track so please do let me know if I am! I am part exchanging my home (value £500k). Developer is offering £490k plus £10k incentives. New house price is £820k. Equity in our home is £243k Financial advise via developers selected agent is…
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Deed of variation rip off
I wanted to share my experience and seek advice. I own a leasehold flat in Farnborough, Hampshire. My ground rent is £222.45 per year, reviewed every 10 years with RPI. When I tried to sell, my buyer’s lender refused to lend because, under the Housing Act 1988, ground rents over £250 outside London can technically turn a…
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Local List: Anyone had a building/group of buildings successfully removed from a council local list?
Hi Everyone, We've faced a lot of brick walls (no pun intended) with our local authority planning/conservation team over this. Our street was placed on the 'local list' 12 years ago - it's a nice street, late Victorian crescent. But none of the people living on the street were aware of the local list consultation, nor were…
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Between exchange and completion
After 16 months since starting our journey as FTBs (including one purchase falling through after a YEAR of waiting), we’ve finally exchanged to complete on Friday! We’ve already booked our WiFi installation but was just wondering what else we can get sorted and booked in over the next few days? I’m assuming we need to wait…
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Tenants rights and additional needs
Tenant has a learning disability, and their supported living property is paid for by benefits. I don’t have full details of the landlord other than it’s not council or housing association, but I am presuming any legal obligations will be the same regardless of who it is. Tenant needs to move out so that the property can be…
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Informally let
decided to change post, could this be deleted please. Thanks
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Betting deposit on bank statement
We are likely submitting a full application in the next few days. However this weekend we are at Cheltenham for the racing. This has been booked since the start of the year and at that time we thought wouldnt be buying until next year but now we are I dont really want to ruin my application if a betting deposit is going to…
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How to prove that a borehole water supply is potable and uninterrupted for mortgage valuation?
Hi there, I have recently had an offer accepted on a little rural cottage in the mid-Wales countryside and have applied for a mortgage. The lenders sent their surveyor out just after Christmas to value the property, and the report came back that they couldn't offer a mortgage on the property unless they could see evidence…
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Conveyancers during sale of house
I'm in the process of selling a former BTL property. We went with the conveyancer recommended by the estate agent, possible error, as it isn't local to where I live and they said they were great and very fast. I'm really struggling getting information out of them. They seem to forget who is paying their fees and are not…
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House buying, survey uncovered issues, looking for advice
Hi, (apologies in advance for the long post!) FTB here, I had an offer accepted on a house about 6 weeks ago, and had a survey done on it straight after. The survey flagged a large number of "very urgent" issues (14 in total), some of which are relatively unconcerning/ quick and easy fixes (e.g. missing stair bannisters,…
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Totally stuck house sale
We are selling our house and buying another. No chain either side. We are ready to exchange on our purchase but the sale is totally stuck. The buyers solicitors have said they have not had satisfactory responses to questions but refuse to clarify which responses they are not happy with. Our solicitors say they have…
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Buying a house and the kitchen extension done without proper Restrictive Covenant consent
Hi Hoping to get some advise here. I am close to completing on a purchase and the enquires have come back to say that the kitchen extension done to the front of the building in 2019 does not have restrictive Covenant Consent. (Slightly annoyed that the enquires came back so late. Not sure if this is the norm.) The seller…
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Estate Management fees
Hello, everyone. I'd like to ask for a piece of advice about the way in which I've been charged by a company managing our estate for the services they (don't) provide. There are two things. Firstly, they don't provide 9 out of 10 services they say they provide, but I keep paying the regular sum twice a year. Second, two…
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Merged: Paid for house insurance twice by mistake
This discussion has been merged.
