Anyone share any guidance on Conveyancing?

Recently been promoted at work and other half got a job that has doubled slavery, so in the market to move but no idea how it works when it comes to translating the current property and equity we have sunk in to.

I'm hoping you mean salary…

Anyone done any soundproofing in a terrace house?

Yeah, in essence - so long as your circumstances have not changed during the application process you should be all good at getting your loan at the promised value.

They will want to see your payslip and whoever else is on the mortage application for Mar2021

Try with Lloyds as well btw, they seem to be offering the highest income multiplier on the market atm and their rates should be competitive based on contribution %

Nice, Halifax are part of the Lloyds group, so the process is the same. Have a laptop/tablet to hand, as you will have to join a 'Zoom style' meeting, but the communication will occur over the phone - they just use it to share screen of the mortgage documentation that they run through and a couple of videos.

You'll have an application interview, which you literally just confirm what you stated in obtaining your agreement in principle (so long as nothing has changed the loan value will be as initially quoted)

A hard credit check will be ran on the applicants on the profile.

Once successful, they will give you a range of products to choose from (I.e. you can discuss length of mortgage or monthly repayments). They will painstakingly go through each aspect of the document (ensure you have a hour+ or so for the application interview).

Then they will want to know which solicitors you're working with, or they will provide you with reccomendations.

Then finally, they will ask the type of valuation survey you want done, level 1 or level 2. Level 1 is free, but it's highly reccommended to go for level 2, it's an 'in-depth' report on aspects of the house.

The level 2 valuation costs £250 or so.

All the best man! Good luck with it.

lloyds had a shocking rate, guy chatting us through it said to be honest I wouldn't go for it if I was in your situation.

Halifax was decent enough with the benefit of being my existing bank.

meeting with listed is on the to do list now we are in, we dont really want to do anything structural and we brought the place for its largely intact features, so hopefully we will be on same page but still somewhat dreading the complications it could throw up.
even just in the restoration of windows etc (and replacements of ones that previous owners have put in without approval…) will be worth it when done and will be part home part holiday let but reckon it will take 2 years to do

Any electrician recommendations (Islington/North London)? Recently moved into a new place and RCCB is tripping at random, tried unplugging/disconnecting things but no luck

I had the same thing before Xmas. They recommended to keep isolating things on the fuse box to see which circuit the error was on. Then when you’ve isolated the circuit then you can do the unplugging etc to isolate what it is causing the problem.

I thought it was my lights in the extension doing it but in the end turned out to be the fridge/freezer. Had an electrician in and he couldn’t work it out and recommended to do the above.

That seems very high; I’m 2 years into a 5 year fixed at 1.9 (also Halifax) and I’m considering remortgaging to get it lower. Last time I checked it was possible to get to 1.4ish without too much effort.

I’d also get your broker to go through the different term lengths in more detail; if you can handle a slightly larger payment you can get the term down and save a ton in interest payments.