#562

One of the houses we liked was on an unadopted road. they said that if we’d put an offer in we’d have to join the management group to maintain the road. not sure about the sewer.

interestingly, we later found out by going on knocking on doors that many on the street weren’t in the group, and it had been set up after a failure to get the road resurfaced. it was in a terrible state. then we found out that there was a plan to do some resurfacing, and of the ten houses four were paying for it, and we’d be one of them.

we sacked it off shortly after that. the road is still unsurfaced.

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#563

By any chance were the other six houses privately rented?

#564

I don’t know, but it didn’t seem like it.

#566

That’ll be the Scot/E&W difference kicking in, then.

Here, Councils are required (by the Roads (Scotland) Act 1984), to publish a list of Public Roads (i.e. ones that they maintain). Anything not on the list is, by default, a Private Road (and therefore maintenance is not the responsibility of the Council).

(The very specific cases of motorways, trunk roads and ‘Special Roads’ are an exception to this.)

Ownership, rights of way, and rights of passage are separate issues which don’t determine (and aren’t determined by) the Public or Private Road status.

Have we surpassed concretegate yet? :upside_down_face:

#567

What was the basis for being in or out? Did all ten jointly own the road, with something in the Land Certificate or Title Deeds compel those four houses to maintain the road on behalf of all ten?

Cos if not, I’m wondering if it was just a case of six house owners saying ‘nah, you’re all right, I don’t mind having a knackered private/unadopted road, but go ahead and upgrade it if you want’, with the three ‘payers’ baggsying you for their team.

#568

From what we worked out, that’s pretty close to the truth, and that the previous owners had signed “the house” up to the management group, and that we “had” to join it. Of course, unless it was in the deeds (and I can be pretty sure it wasn’t) there was pretty much no basis for this, so you’re right, but we just decided to dodge it totally and sack it off, telling them exactly why.

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#570

I’m going to sell my flat, rent for a while.

#571

Did you work all this out with your boi man?

#572

I’ve got sick of the whole situation and decided the easiest thing is just to exit.

#573

Ah man I’m sorry to hear that, was hoping things would work out. For what it’s worth I think you’re doing the right thing.

#574

Cheers, dude. I’ve got my eye on a couple of lovely rental properties though, one of which is just around the corner from my flat.

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#575

The missus moving in?

#576

Nein.

#577

i’ve not read this thread and its probably all been covered but it is easier to just ask again, think I’m going to try and buy something next year, just got a mortgage agreement in principle, seemed a bit too straightforward, when it says they will lend you a maximum of £x is that number realistic or is it actually hard to get that maximum amount?

also ball park figure of what the additional costs, tax, fees etc. would be on a place that costs about £185k

cheers

#578

If they say that’s what they’ll lend you then that’s what they’ll lend you (assuming when they visit the property that they are happy with the valuation).

Stamp duty will be £1200
Legal fees about £2k (or in that region)
You will probably have to pay a mortgage fee of £500-£1000 but that can be absorbed into the mortgage so you don’t pay it upfront.
Surveyors fees - should you wish to get this done. I didn’t so don’t know how much it costs. £500?

Then removal costs, then buying things like furniture and decorating stuff.

#579

You can get a basic valuation survey for about £250, more extensive for around £425, and the proper full on one is around £700 I think. Depends on the property which one you go for.

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#580

thank you very much. that is doable, if I focus on getting my deposit up the help to buy isa bonus should cover a big chunk of that

#581

this is useful information, I would have had no idea about that

#583

Does anyone have any experience of buying someone out of a share of a house/mortgage?

My bf owns his flat with his brother and we’ve decided that the best thing to do for everyone would be for me to buy the brother out. This can’t happen til April for some reason (dunno) and they only would have had the flat by then for 2 years.

What is the process on this?

I have absolutely no clue. Like I wanna know what I’m doing and why they’re doing it and why it’s costing whatever it costs. It’s feeling like A Big Deal.

#584

Well I know this sounds obvious, but the first thing you do is talk to their current lender.

I’m guessing completely here, but my money would be on their position being something that looked a lot like a simultaneous closing of the old mortgage and opening of a new one (which no doubt would have lots of lovely rake-off for them).

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