Owning your own home

I love those areaa, would love to be able to buy there... shame I am looking to buy on my own...

Is the vendor living in the gaff you're moving into?

Nope. It is empty. Vendor is as keen as we are to complete.

In that case, offer to rent it until you actually complete.

Fairly common thing to do. You've exchanged contracts, so unless there's a modern miracle you're legally bound to complete.

Very nice. I'm over the other side of the heath, but right on the A102 so I have the constant sirens etc.
I can't stop looking at the houses in Ashburnham Triangle where I used to rent.

Thats's not a bad idea. Cheers. Vendor is a good friend so I doubt there will be an issue with this. Besides, he owes me a couple of grand for something else :D

Anyone have any successful experience of reducing the impact of a neighbor in a block of flats who

i) is clearly off their rocker (drunk, shouting)
ii) letting their very young children run amok in communal garden (littering, smashing glass, vandalising)
iii) a near constant noise nuisance (hi-fi, slamming doors)

Also: single, seemingly vulnerable mum.

It's my rental flat, and I should just sell the place sharpish, shouldn't I?

No way could we afford a proper family home round there. I grew up round that neck of the woods, hoping it is as nice as I remember it.

I've seen it done on numerous occasions - unless the vendor is a really good friend then I'd keep it all as official as possible, purely for peace of mind and all that business.

Is it your tenant who's being disturbed?

If yes, they're going to have to keep an accurate diary of things and report in to the authorities fairly regularly.

There was a brass operating in the house next door to mine in Essex, and whilst I dont think that the oldest profession is necessarily a bad thing, the collection of people turning up at all hours were.

The girl was as nice as pie, but her clients were highly unsavoury characters.

The old bill nicked this selection of visitors with possession and didn't bother prosecuting her. After that she kept her hours 9-6 and almost never at weekends.

He is a really good friend. Best man at my wedding. I trust him about as much as you can trust somebody.

However, it is his company's property strictly speaking so everything would have to be formal anyway.

Are you in London's Famous London? If so, what borough? The council have a duty of care to make sure she is supported and it doesn't sound like that's happening.

hello neighbour

Was it a particularly complicated application? Mine's very straightforward (worked at the same place for years, all salary). Rates are similar to others but fees are low with them.

You also get Tesco clubcard points on your mortgage ...

Hi - thanks for the reply.

Is it your tenant who's being disturbed?

Yes, that's right.

If yes, they're going to have to keep an accurate diary of things and report in to the authorities fairly regularly.

I've asked them to keep a diary. I've indicated that I'd be willing to raise this with the Housing Assoc. that acts as the managing agent, but only after they've collected a bunch of records. Honestly though I'm loathed to kick up a fuss because it makes selling harder, should it come to that.

If so, what borough? The council have a duty of care to make sure she is supported and it doesn't sound like that's happening.

Tower Hamlets...yay.

Cool - suggest it then...

I'll see if mrs_com knows the right department to ask for. She works with Islington.

That would be awesome, thank you :)

nope it wasn't a difficult application. borrowing about x1.5 our income. both in steady good jobs in our 30s. the problem was that they told my wife that she had an undeclared credit card/line of credit that we didn't tell them about when we applied.

I then sat down with the wife and said if you've got a credit card or loan you haven't told me about you need to tell me - she swore blind she didn't. that caused a lot of stress and aggro between us. Tesco basically washed their hands of us and said you need to tell us who this credit card/loan is with and declare it. so we then had to sign up to noddle, input all her details, and hey presto, nothing more was on her credit file than what we told them about - so I literally have no idea what Tesco were on about.

because of this we endured about a 4 week extra delay which meant we went onto our SVR and ended up paying 600 quid more than we should have.

tbh I really lost my rag with them and sent an explosive letter to them - within 24 hours they had approved the mortgage. but I never did get an explanation as to why they said and acted as they did - it was all very strange..

Noddle is Callcredit, no?

Get a statutory report from Experian and Equifax too - it's likely tesco will be obtaining reports from all of the agencies.

I've been waiting 5 fucking months for the incompetent bunch of cunts at my freeholder's solicitors to sort their shit out.
The buyer's solicitors have been holding things up by demanding amendments and asking stupid questions to which they already know the answers, and every time they do the freeholder's solicitors take a fortnight to respond. Usually with the wrong thing.

fuck leasehold. I can't wait for this shit to be over.

Id not suggest renting it off the seller. If something happens before completion and either you can't buy it or they can't sell it, then it will be very awkward if you're living there. Maybe even more awkward given the personal connection.

I doubt your and their solicitor would knowingly let it happen, so you'd have to keep it a secret from them too.

If there's a couple of weeks' gap maybe stick your stuff in storage and Partridge it. It could be fun.

What could go wrong between exchange and completion? Seller won't withdraw from the sale. Our finances are good to go. What am I missing?

Technically the bank could, if they wanted to, pull the plug on your finance. I've heard of it occurring twice and in one instance the mortgage application involved fraud by misrepresentation and in the other it was a new build flat in Bradford with a long stop completion date. The purchasers exchanged on the flat, the market then took a turn for the worse and the bank used their right to go back in a revalue before completion . on that one they didn't complete and lost their deposit but if I recall the developer didn't bother to sue them for the rest.