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Tuesday, July 14, 2020
Monday, July 13, 2020
Simple ways for tenants to save money in their home Nottingham Estate Agents
Residential sales and letting agent, Mansons in the North East, shares its checklist of cost cutting tips to help reduce energy and maintenance costs As a tenant, you have far less control over implementing money-saving measures in your home than the average homeowner but that doesn’t mean that the amount you spend is already set […]
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Nationwide to offer low-deposit mortgages after stamp duty move
Society reverses June decision following announcement of tax holiday on certain homes
Nationwide building society has returned to the high loan-to-value mortgage market, cutting the deposits it requests from first-time buyers following last week’s announcement of a stamp duty holiday.
But in a sign that lenders are uncertain about the direction of the housing market, it has capped loans at 90% and introduced new hurdles for would-be borrowers.
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Sunday, July 12, 2020
Can I buy a house in my name but put my partner on the mortgage?
I’m worried we won’t be eligible for the stamp duty cut as my fiance owns a flat he can’t sell
Q I live with my fiance, who part-owns a one-bedroom flat in south London through a shared- ownership scheme. He has been trying to sell the flat for two years so that we can buy a house together and start a family. However, due to issues with the fire safety of the insulation in the development, he is unable to sell the flat as no banks will lend a mortgage on the property.
The housing association with which he co-owns the property has said that he can sub-let the flat, so we can move out, then sell the property once the work to replace the insulation is finished (this has no date yet and we suspect it may take years, not months). However, this would mean that he is technically buying a second home, so we wouldn’t be eligible for the new cut to stamp duty. Our budget is already tight as we don’t have the money from the sale of his flat, so this could be the difference between being able to buy another home and not.
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Shared private roads and the potential pitfalls Nottingham Estate Agents
If you are buying a property, or own one already, that is on a shared private road, there are some things you should be aware of to avoid unnecessary expense or conflict with the road’s owner or you neighbours. This article considers the issues that can arise in relation to shared private roads and how […]
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