Finance & Investment Questions

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Sticky: Mortgage News by loanarranger Started by loanarranger, 23-12-2015, 19:43 PM	490 responses 29,892 views 0 likes	Last Post by loanarranger 20-05-2022, 17:00 PM
Freehold purchase by landing Started by landing, 12-08-2022, 00:25 AM	7 responses 92 views 0 likes	Last Post by Section20z 15-08-2022, 21:15 PM
Current mortgage dilemma by blinko Started by blinko, 31-07-2022, 12:35 PM	11 responses 174 views 0 likes	Last Post by theartfullodger 12-08-2022, 09:59 AM
Is now the time to sell up? by humptydumpty Started by humptydumpty, 11-07-2022, 23:11 PM	26 responses 865 views 0 likes	Last Post by gnvqsos 11-08-2022, 19:42 PM
Buying property number 1... by Azzurri85 Started by Azzurri85, 21-07-2022, 13:41 PM	23 responses 378 views 0 likes	Last Post by gnvqsos 11-08-2022, 19:40 PM
Rental Yield Calculation by garrymac Started by garrymac, 10-08-2022, 15:20 PM	6 responses 64 views 0 likes	Last Post by gnvqsos 11-08-2022, 19:35 PM
Unfair competition by Codger Started by Codger, 06-08-2022, 14:41 PM	12 responses 222 views 0 likes	Last Post by jpkeates 08-08-2022, 12:37 PM
Next recession? by SouthernDave Started by SouthernDave, 18-04-2022, 19:43 PM	67 responses 2,514 views 0 likes	Last Post by SouthernDave 06-08-2022, 18:14 PM
Landlords Trapped in £7000 EPC Funding Gap by loanarranger Started by loanarranger, 26-07-2022, 11:03 AM	9 responses 286 views 0 likes	Last Post by loanarranger 02-08-2022, 06:14 AM
White Paper Consultation and now What to do! by Smudgie Started by Smudgie, 26-07-2022, 10:31 AM	3 responses 126 views 0 likes	Last Post by Smudgie 28-07-2022, 00:52 AM
Finance Advice for a Property Newbie! by Hopeful Future Landlord Started by Hopeful Future Landlord, 25-07-2022, 16:54 PM	8 responses 120 views 0 likes	Last Post by jpkeates 26-07-2022, 10:24 AM

Reply to Freehold purchase

by Section20z

If you both exercise the right to buy then you would share the freehold, otherwise none (unless the freeholder informally agrees to sell to you)...
- Channel: Finance & Investment Questions
15-08-2022, 21:15 PM
Freehold purchase

by landing

Hello

What are the advantages of freehold vs leasehold for a house (not flat)?

I can only see disadvantages in the leasehold:
- property depreciates as lease passes
- have to pay service charges and ground rent
- need to renew after several years...
- Channel: Finance & Investment Questions
12-08-2022, 00:25 AM
Reply to Freehold purchase

by gnvqsos

I bet this is on leasehold to local authority, and they will not sell....
- Channel: Finance & Investment Questions
15-08-2022, 18:23 PM
Reply to Freehold purchase

by landing

Thanks!
If I buy a leasehold maisonette and there is a flat above that, am I entitled to buy the freehold of both or only the share of freehold or none?...
- Channel: Finance & Investment Questions
15-08-2022, 15:52 PM
Reply to Freehold purchase

by Gordon999

1. If you buy a leasehold house and hold for two years, you will be qualified to make compulsory purchase of the freehold title.
2. Buying the freehold title is better than extending the lease.
3. The freehold costs will depend on the years on lease and the annual ground rent.
...
- Channel: Finance & Investment Questions
15-08-2022, 13:07 PM
Reply to Freehold purchase

by doobrey

Agreed. I wouldn't consider buying a leasehold house....
- Channel: Finance & Investment Questions
12-08-2022, 12:36 PM
Reply to Freehold purchase

by Gordon999

If you purchase a house under leasehold title, you become the leaseholder and subject to the terms of the lease. ( paying annual ground rent , building insurance and service charges etc).

But leaseholders also have right to enfranchisement ( purchase of freehold title) under the...
- Channel: Finance & Investment Questions
12-08-2022, 12:33 PM
Reply to Freehold purchase

by gnvqsos

Hope that is OK
- Channel: Finance & Investment Questions
12-08-2022, 12:31 PM
Reply to Current mortgage dilemma

by theartfullodger

Very true,+1...
- Channel: Finance & Investment Questions
12-08-2022, 09:59 AM
Current mortgage dilemma

by blinko

the current situation will have sorted itself out, in 2 to 3 years unfortunately my mortgage comes off it's fixed Jan 2023

Base rate likely to be 0.23% higher Jan 2023 worst case 0.75% in the middle 0.5% (also looking at the recent US rate movement)

My options are I think...
- Channel: Finance & Investment Questions
31-07-2022, 12:35 PM

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