General Discussion: Property thread


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TROYBOY
TROYBOY avatar

436 posts since 28/2/12

26 Apr 2019 11:33
or residential leases, was looking into this too
Jamie
Jamie avatar

2137 posts since 20/4/03

27 Apr 2019 10:42
illwill wrote: Anyone know of there's a way of finding out when a commercial property lease is due to end?

Or do I need to approach the property owner?

Depends if it is registered on the superior title or not. Leases seven years or more in length will be registered - leases between 3 -7 can be noted and might appear on the superior title. You would need to start by identifying the freehold title number and then do some digging around on Land Registry website.
Jamie
Jamie avatar

2137 posts since 20/4/03

27 Apr 2019 10:43
joeyjojo wrote: Anyone clued up on property law / leases I could PM a question?

Yep - fire away if you haven't already answered.
stoney
stoney avatar

17291 posts since 22/1/05

3 May 2019 18:58
Any mortgage advisors/brokers in the house ???
ismvil
ismvil avatar

580 posts since 16/9/11

3 May 2019 19:41
Just used countrywide. They were top.

stoney wrote: Any mortgage advisors/brokers in the house ???
stoney
stoney avatar

17291 posts since 22/1/05

3 May 2019 19:41
I used to work for them, the are cunts
stoney
stoney avatar

17291 posts since 22/1/05

3 May 2019 19:43
That’s not fair actually, they were good to me.
Sneakysbest
Sneakysbest avatar

1884 posts since 28/1/12

3 May 2019 20:27
used Capricorn financial, can recommend
Scottishmark
Scottishmark avatar

481 posts since 25/1/11

3 May 2019 21:37
Why are people using a mortgage advisor? Just out of interest?

I have (and probably will again) but every time I have I’ve found the same deal (or better) on the open market. I only use them now for the convenience factor. If you’re not arsed about that I’m sure you could do it without and suffer no financial detriment..
sydneyking
sydneyking avatar

4409 posts since 26/9/09

3 May 2019 21:56
Scottishmark wrote: Why are people using a mortgage advisor? Just out of interest?

This
stoney
stoney avatar

17291 posts since 22/1/05

4 May 2019 05:09
Not looking for a mortgage, just some inside info.
Sneakysbest
Sneakysbest avatar

1884 posts since 28/1/12

4 May 2019 06:54
I used one as a first time buyer more out of ease than anything, I didn’t have to labour looking around, filling in all the paperwork - just had to provide the right paper work when asked. Ended up with a 2 year fixed with nationwide at 1.69%, and the advice and service cost me 250, I’d happily pay that again for how much it shrunk the stress of that part of the buy.
illwill
illwill avatar

3370 posts since 17/5/04

4 May 2019 08:09
Useful if you're non-standard (e.g. self-employed) too.
Scottishmark
Scottishmark avatar

481 posts since 25/1/11

4 May 2019 10:22
Yeah that’s true - didn’t really consider that.
ismvil
ismvil avatar

580 posts since 16/9/11

4 May 2019 14:35
Convenience more than anything, and they're the same company as the solicitors that the seller wanted us to use to get things moving quickly. The rate they offered from Halifax was the same as the high street rate so in the end I'm paying 'cause I'm a lazy shit.
Scottishmark wrote: Why are people using a mortgage advisor? Just out of interest?
swede
swede avatar

7627 posts since 21/3/09

4 May 2019 15:29
illwill wrote: Useful if you're non-standard (e.g. self-employed) too.

this is what we used ours for. they can also supposedly negotiate higher leverage (we were offered 4.85x our combined income including bonuses)
Rirawin
Rirawin avatar

9178 posts since 17/7/05

14 May 2019 21:19
People who live in hard water areas/plumbers/those living in the south. What do you recommend to help soften the water? I read salt water softeners aren't necessarily good for drinking water, especially if you have children in the household. Would you then advise having a separate water tap for that?
swede
swede avatar

7627 posts since 21/3/09

14 May 2019 22:47
my parents have a salt water softener thing. when the company installed the kit they also installed a small tap to the side of it for non-softened water (drinking water). csb
Dee
Dee avatar

11005 posts since 22/11/07

15 May 2019 07:10
Defo consider getting a tanked system and investing. We have a cartridge on the mains which tbh isn't great as you need to renew often, on top of this we use Brita filters for a jug and then another in the kettle and buy a lot of bottled mineral water. Also need to descale the hardware approx every 6 months to keep on top of it.
Rirawin
Rirawin avatar

9178 posts since 17/7/05

posted 15 May 2019 09:37, edited 15 May 2019 09:37
Thanks both.

Swede what was the company your parents used?

Also, wish I had chosen a career path as a Chartered Surveyor. Had a few quotes come in for HBR and BS… Jawdropping!

Thoughts on HBR and BS? Property we're moving into is a 1930s one and had a full renovation (including a full rewire) 3-4 years ago… one of the one's we're speaking to is steering us towards HBR as he believes a BS is an overkill for the property we're looking at.