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Hi George Melissa is here I want Good advice, when it comes to sell house it is difficult to choose best agent who make your task easy. it near about 3 year ago when I was in U S Nashville city I tell my friend that I want to sell my old house due to some personal issues. he introduce a company who have a lot market experience. But I was not interested to contact with them. After some days when I could not find best company agent. I was decide to choose company who sold my home in Nashville. I was sell my 2 houses were sold the same agent. But now I am in UK because I get job here in London I want to buy a house if anyone a trusted agent who help me to find a good budget house. Finding Like this company I really trust on them . But now am confused because am new here. Please Help me!

Me and my partner are desperate to move out of my mums house but also I want to save up for a deposit for a flat. What's the best way to go about this?

Hi everyone, I plan on starting up a portfolio of HMO property's in Norwich over the next few years. I would like to go down the boutique HMO route but don't really know if this model would work in Norwich. I know this works in big cities like London and Manchester, just not sure about the smaller cities. Does anyone have any experience in boutique/high end house shares in smaller cities? Many thanks Scott

Hi, Just looking for some advice on a situation we have unfortunately landed in after a very smooth first few weeks.To put you in the picture.We have a property (a flat) which we found a buyer almost instantly. The buyer is a well known property buyer in the area with an extensive portfolio and happens to also be the man in charge of managing the block of flats (the managing agent)He offered us a good price and was unsure whether he would either set it up on a buy-to-let mortgage or would use cash from his many properties he is selling currently (one being a 2.3 million house in London.)We then set out to look for a new house, which we did, and an offer was accepted by the Vendor. On we went to our Mortgage Advisor who set up our mortgage and the agreement was sent over to our solicitor along with the fixtures and fittings forms and a cheque for the searches to go ahead.Our solicitor has had contact from our Vendor's solicitor and also our Buyers Solicitor and everything was seeming to go ahead for a very smooth transaction to exchange.HOWEVER:We now have had a call from our buyer, he has said that his mortgage broker has been doing the rounds to source a buy-to-let mortgage however new rules have come into effect where lenders are struggling to offer people who have several (or lots in our guys situation) existing buy-to-let mortgages any further mortgage offers as it imposes greater risks.Our buyer then went on to say he is still keen to buy but he hasn't got the cash to hand right now to put down the full total property value but will do when the property he is selling in London (worth 2.3 million) has gone through.Our buyer has advised me it is my choice what I do, I can either put it back on the market or I wait and see what happens with his purchase of the property he is selling (he also has another smaller property in France which he is also selling as we speak) BUT he cant guarantee timescales or that it will definitely happen until the money is in his hands as anyone his end could also pull out or cause delays at any time.Where do I go from here, its gone from having no chain to alot of uncertainty...Of course I will tell the people we are buying from but is this a normal thing and am I worrying unnecessarily? We have only paid the solicitor search fees (£225.00) and also the survey for the house which was £175.00 so we havent lost out on LOADS but I am just concerned that the couple we are buying from wont want to hold out (they have a property to move into which is empty so I dont think there is LOTS of pressure to move ASAP - but of course I dont want it to be dragged out for them too much as its not fair) Any help or advice would be most appreciated.Thanks

Hi people, I will be applying for a mortgage in the next few upcoming months and just want to know what sort of things banks will look for in my bank statement. For instance, will they look at each individual transaction (whether it be a car loan or just something bought off ebay)? How much detail will they go into my bank statement? Also, my phone bill is up and down, for example: Month A: £42.99 Month B: £54.45 Month C: £72.99 Month D: £42.99 Will they query why this fluctuates and what I did for my phone bill to increase? If you could let me know this, that would be great. Thanks in advance. Dan

Hello all, I currently have a small portfolio of single family buy to lets, which I have acquired over the last 3/4 years. I now feel I am at a stage where I would like to move into the world of multi lets. However I am getting conflicting reports from more experienced landlords than myself in which area to go into. Some are saying a traditional HMO (i.e letting rooms to working class professionals etc) is the way forward and others are telling me stay well clear and concentrate on the student market. At this stage it is probably advantageous to say I am looking at buying in Hull (My local city) We have a good demand in my opinion for both options, a large university with multiple campuses and an emerging labour market with Siemens and other blue chip companies investing heavily in the area. Can anyone share their opinion on the positives and negatives of both options? Any advice and knowledge shared would be greatly appreciated. Thanks James

I believe that even for single people a house is the better proposition. No need to worry about leasehold agreements, and have grounds. Do you agree?

Hi All, I've got a quick and (at the moment) largely hypothetical question. At some stage in the future, my Mum has suggested that she'd like to change ownership of her home into the names of her children (me and my brother). It avoids any challenges when the time comes, etc. So that's that. My question then is: Would the banks accept a request for equity release given that there is a non-paying tenant, or even take that property into account when mortgaging against other properties? It's unlikely it could count as BTL (without a payment of sorts anyway), but I'm curious to know if there are any possible ways to use the value there to your advantage. To be clear, I think the idea of ramming a load of debt onto your elderly mother's house is a bad one in case of difficulty, but small mortgages to release equity for auction flips, etc would be a more financially efficient equivalent of a bridging loan? Or am I way off track here? Just curious - thanks, Jamie

had a change of circumstances and i think i now need to buy at auction keep hearing about the modern method of auction and the way ahead is to check online for the properties available then make an offer rather than bid BUT all the properties i see listed are durham/keighley/notts/liverpool and i was hoping to buy in peterborough. i did a random search online a few weeks ago and could see lots of bargains in peterborough and now they've either disappeared or i'm looking at the wrong areas my question is what's the best way to look for a flip that may become a buy to let? i am looking in peterborough and surrounding areas any help would be appreciated

I need to prove to court that I had a residential property on the market in 2008 or 2009. I can't remember dates or agents or anything useful to my case. The property is in Mansfield Nottinghamshire. I live in the US. Who should I ask? Where should I go for help? Unfortunately, the sale fell through. Would agents keep records of properties they marketed but did not sell?? Desperate need of your help. Thank you. Holly Warren

Hello, I am currently renting with my partner and we would like to get our first house together but we are far from a reasonable deposit. My parents have paid off their mortgage and I expect their house to have increased a lot in value since they purchased it. Is there any way we can use equity from their house as a deposit for ours? If so will we later be able to use equity from our new house to buy an investment property? I have only just started learning about the industry so please excuse any naivety. All suggestions appreciated. Matt

Hi All, This is my first post to the site, but I have been following for quite a few months now. There are some brilliant advice and tips I have taken from here in such a small time! I am very new to the property industry, but I am becoming highly interested in the industry and hope for it to be a big part of my life going forward. I am currently living in Europe (on a two year secondment), but my contract is coming to an end. I am planning to move back to the North of England and start investing in property at the beginning of 2016 and hope to have between £25 and £30K by this time. I do want to invest in BTL property and build quite a large portfolio, but I would prefer to increase my capital at the outset so that I can grow the portfolio quite quickly. I have been speaking with quite a few people that I know who work in the building trade and an idea has been floated by me..........Purchasing a plot from a large construction company in a sought after area, holding onto for 6 months whilst the new house / apartment is being built and then selling the contract on for a profit. To do this, I would need to be involved heavily in the decisions for the new build (which I understand there can be quite a number of different options) and I would need to make sure I have a mortgage secured in case I can't sell the property soon enough. There will be the usual risks with this.......whether we can find a buyer and whether the price of the contract will increase in 6 months time.......but does anyone else know of any other potential issues? Is this type of deal frowned upon by the construction companies? If I did sell and cancel the mortgage, would the bank be difficult / reluctant to provide me with a mortgage in future? (Possibly, I could find another property for the bank to mortgage when I have a purchase offer, but they would likely have to start the whole process again). I look forward to hearing your thoughts on this. Many thanks, Alex