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surveyor problem
We are currently selling our house and have a problem with the surveyor, the last buyer we had fell through because he valued the property at slightly less than the offer price (the couple were trying to get a 100% mortgage and wanted us to sell at the price he valued it). The house has no structural problems, however it…
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Your-move.co.uk Are they any good??
Thinking of selling my house through Your-move.co.uk. charging 1.5% commission .. no sale no fee. are they any good.. or can you reccomend me some other estate agent thats any better? What should i look for in an Estate Agent. Heard some good and bad stories about them all.
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HELP-FTB unfair negotiations
In the middle of buying my first house. After recieving my valuation from Nationwide, work needs doing on the property in order for me to get the full amount I need to borrow. The work will cost £1100 I am giving full asking price for the property. The vender will withdraw from the sale unless I cover the cost of the work…
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NHBC Guarantee
Hi We bought our property last February (2004). It was built in 2000 by Beazer homes which is now Persimmon. However one of the hinges on the double glazing windows has broken resulting in the window not being able to close properly, is this still covered in the NHBC / persimmon guarantee ? As some double glazing windows…
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Buying off-plan with discounts
I've recently been looking into buying another property, but don't want to get tangled up in a chain. I've recently found some companies that negotiate deals with property developers and negotiate large discounts (circa 10%) off the off-plan price. I've been told that there is little financial outlay - in fact just the…
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Help - Accepted offer!
HI I think I have been a bit hasty in accepting an offer on my house - is there anything I can do without making myself too unpopular!!! Last Monday I had a viewing on my property and the Estate Agent had indicated before the viewing that this person would be putting in an offer on the Tuesday. The man viewed the house and…
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Council Tax Band database
This might have been posted before. Apologies if it has but I couldn't find it. I've just found a database that lists every property's (in England and Wales) Council Tax band. You can search for a specific property, every property in a street or every property in a town! It will also detail if the property will be revalued…
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Shared ownership schemes
Does anyone know of any shared ownership schemes in the greater manchester areas especially heywood and what exactly i would have to do to get onto one of these schemes any info appreciated thanks in advance
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council tax revaluation
can anyone explain why a council tax revaluation means higher bills for everyone? surely the council tax bands are relative to each other and the tax bands should then rise in line with average house prices otherwise we will all be in the higher bands (scope for a government fiddle here!). so will there will be some losers…
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Contracts
Hi folks, I'm in the process of buying a house and my solicitor sent me the following email which I'm not quite clear about so I thought I'd ask you guys to see if it all makes sense etc. I live overseas. Thanks and hope to hear your views soon. Email:- "Dear Clive I am assuming that the Mortgage Offer which will be issued…
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Buying property abroad
I have read the queries from forum users about buying property in Spain. It can be a daunting prospect for a first time buyer and to help I have set up a website to provide unbiased advice and allow users to search for property. At present the property search covers the Canary Islands. Does anyone think this information…
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Cheap Country House
Hey guys, I've got a 3 bed terrace in London valued at 200k. I'm planning on selling it off and buying a nice country house not too far from London (50-200 Miles away). What concerns me is that i'm tight on my budget. I maybe able to ducth in another 50k for the new house. I wanted to know how I can start the search for…
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Purchasing a tenanted property
We have found an "ideal home", the property is let and the tenancy agreement ends in 2 months. The vendor would like to exchange contracts while the property is let, and complete once the tenants move out, I would like to know if anyone has been in this situation and be advised of any issues we are likely to encounter in…
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Proving Ownership of Land
My grandfather bought some land adjacent to a wood when he married my grandmother, he died about 30 years ago, my dad believes the land was passed to him but has never been in possession of any title deeds. However when anyone has needed to gain access to the land (water pipes were laid on it due to a land development a…
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Buying property abroad
I have read the queries from forum users about buying property in Spain. It can be a daunting prospect for a first time buyer and to help I have set up a website to provide unbiased advice and allow users to search for property. At present the property search covers the Canary Islands. Does anyone think this information…
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What was my house worth in 1991? How can I find out?
Would really appreciate any information that can help me. Just purchased a house and think the tax band is very high for the house. How can I check what the house was worth back in 1991? Has anyone got any suggestions? The houses in the same street are two bands cheaper!!
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Property Price Search in your area
I have come across the following site. It is free and allows 20 searches per month of property prices based on a particular post code (which can be vague ie first 4 digits). You will then be presented with a number of streets within your criteria (either 100m from the address you have searched, 500m or a specific postcode…
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Chain problems
We are in a small chain with buyers for our property and a mortgage and successful survey completed for the property we wish to buy. We put our house on the market at a good price for a quick sale as we didn't want to miss the house we really wanted, they had a house they were very keen on too, end of chain. We sold…
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Repossessed house and credit rating
Apologies to the mods if this is in the wrong forum but I'm not sure where to put it. Shortly I hope to be buying and moving into my own house (I'm an FTB). It's been repossessed and the has been vacant for approx 6 months. There is £28+ owing on the key operated electricity meter (according to the digital display) and no…
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mortgage newbie question
Hello, I am quite new here and just want to ask a question about mortgage. I need to borrow 120000£ and have a deposite 30000£ there. Is it better to put 3000£ of my deposite into ISA and borrow 123000£ instead? For ISA I can get more than 5% interest and it is tax free. If I choose a discounted mortgage which has lower…