Angel Posted January 31, 2012 Author Report Share Posted January 31, 2012 your apparent proposed course of action.. I have no proposed course of action which is why I was asking for INFORMATION. So god knows how it's apparent because not even I know what my proposed course of action is. Link to comment Share on other sites More sharing options...
Scorrie Posted January 31, 2012 Report Share Posted January 31, 2012 Angel, don't worry about it. Good luck in your search and ignore the endless paragraphs of self-important bluster and pish from Statler and Waldorf. Link to comment Share on other sites More sharing options...
Ghostrider Posted January 31, 2012 Report Share Posted January 31, 2012 Angel, don't worry about it. Good luck in your search and ignore the endless paragraphs of self-important bluster and pish from Statler and Waldorf. You live in your world, I'll live in mine. A screechin maa upoa a clett is juist sum tuh... @Angel: As has been said by several posters, ask around the neighbours, local mailman, nearest shop, P.O. etc and see what you can find out about it, then then take things from there. There is no quicker or easier way without more info than you have. Good Luck. Link to comment Share on other sites More sharing options...
unlinkedstudent Posted January 31, 2012 Report Share Posted January 31, 2012 Angel The information you seek isn't necessarily straightforward. Firstly, are you a cash buyer? If not, have you got a mortgage agreed in principle and do you know what types of property the bank/building society will lend on? I say this because, as I said earlier, some will not lend on certain types of houses dependent upon their construction (some, for example, will not lend on wooden houses where others will) and the state of disrepair. Edit, well, I actually said something along similar lines (oops). Secondly, regarding the croft house; again, it depends whether it is even a registered croft (not all are) or whether it is "croft house style", whether it was a tenancy up for sale, etc., or de-crofted. (And if I've got the wording wrong, no doubt someone will step in). Before even contemplating the purchase, you could perhaps have a word with a local surveyor to ascertain if the property is one he is familiar with and if you are not a cash buyer, whether it would be suitable for mortgage purposes. The surveyors are more than familiar with the properties throughout Shetland and might even know who the owner is (but under data protection, can't tell you but may be willing to pass a message on). In essence, even if you do find the owner, their first question may well be along the lines of "What's the colour and amount of the money you're offering?" Link to comment Share on other sites More sharing options...
unlinkedstudent Posted January 31, 2012 Report Share Posted January 31, 2012 ... and ignore the endless paragraphs of self-important bluster and pish from Statler and Waldorf. I wasn't aware I'd had a sex change operation! Link to comment Share on other sites More sharing options...
paulb Posted January 31, 2012 Report Share Posted January 31, 2012 i would personally wait before spending on a survey. the best deal would be to get a non decrofted it will be cheaper and if it was to come with a few acres it would qualify for some grants to repair or rebuild. unlink a croft has nothing to do with the house. best to think of it as a pile of stones on the croft. your right about some morgage companies running when they find that you have farm land with the house. trying to convince a morgage company that 25 acres was just a big garden did not work. when buying a leased croft your buying the improvements that the previous tenants have made. the rent that is paid to the land owner is based on a bare croft hence the odd pound per acre. some times its better not to decroft. but that will depend on each person. it was only in the last year that the commision/payments agency have started treating owner occupiers as the same as tenants. crofting law is a very specialised area it maybe wiser when the op is ready to buy to go to a specialist firm. a simple transfer is ok for the local firms but the bills start mounting up if there are mistakes or omissions. the crofting commision can get annoyed if they don't get there paper work in the right order. ours cost us about 800 more in legal fees because of a mess up by the sellers solictor. Link to comment Share on other sites More sharing options...
unlinkedstudent Posted January 31, 2012 Report Share Posted January 31, 2012 i would personally wait before spending on a survey. Just for the sake of clarity, I wasn't suggesting a survey (that's way down the line), merely a 'friendly chat with a surveyor'. Some may be willing and look upon you as a future client and it may well be the case that they are aware who the owner is. Others may take the view that they are not interested unless you want them to carry out a valuation for mortgage purposes - you don't have to have a survey, you can have a Major Defects Report. If you are getting a mortgage, all the lender is interested in is the bare essentials so to speak (sq ft/sq m of house, it is 'okay' for them to lend on), etc., hence a bank valuation (And that is a very brief outline of why they do it). It is your choice if you want to know more fundamental details of the condition of the property by getting a Building Survey, a Major Defects Report, etc. Of course, the OP may know all of this already. Right, I'm orf to finish off typing up a building survey for a firm of London surveyors ... Edit: And you may find there are specialist lenders out there dealing with agricultural/crofts, etc. If Angel is only buying the croft house (and it has been de-crofted) with no land, then isn't it the case that crofting laws do not apply? Link to comment Share on other sites More sharing options...
Ghostrider Posted January 31, 2012 Report Share Posted January 31, 2012 unlink a croft has nothing to do with the house. best to think of it as a pile of stones on the croft. your right about some morgage companies running when they find that you have farm land with the house. trying to convince a morgage company that 25 acres was just a big garden did not work. I think you may find you are mistaken with this. A croft, and all buildings situated on it is treated as one single entity by the Commission, it all comprises the "croft" and is subject to croft law, unless or until the land on which any building is situated is decrofted. when buying a leased croft your buying the improvements that the previous tenants have made. the rent that is paid to the land owner is based on a bare croft hence the odd pound per acre. While you're correct that this is arrangement in the majority of cases, there is no guarantee that it will be in every instance. The exception occurs where a croft has been resumed or reverted back to the owner, and they did not have a new tenant available immediately to take it over (in which case the owner is legally obliged to pay the outgoing tenant compensation for any buildings or other "improvements" on the land), and the owner chose to retain ownership of this "improvements" on the land rather than ask the incoming tenant to buy them. By retaining the ownership of any buildings and other improvements they have obtained in this way, an owner is entitled to charge a higher rate of rent as they are renting more than just the land itself to their tenant. The same situation can also arise where a croft has been in owner/occupancy for a time, then is rented out again. it was only in the last year that the commision/payments agency have started treating owner occupiers as the same as tenants. Perhaps they are, but at what cost? At the same time they slashed the assistance available to anyone who occupies an unregistered croft, regardless whether they we a tenant or owner/occupier. Prior to the changes last April any occupier of an unregistered croft qualified for Crofting Grant assistance provided they could pass an economic status test to prove they were of similar means to a registered crofter. From last April this was withdrawn, unregistered croft land now does not qualify for grant aid, regardless whether tenanted or owner/occupied or of the economic status of the occupier. It was simply a robbing Peter to pay Paul exercise, but that's another discussion.... Link to comment Share on other sites More sharing options...
Delts Posted February 1, 2012 Report Share Posted February 1, 2012 @Angel: As has been said by several posters, ask around the neighbours, local mailman, nearest shop, P.O. etc and see what you can find out about it, then then take things from there. There is no quicker or easier way without more info than you have. Good Luck. If only you'd said this at the beginning... Link to comment Share on other sites More sharing options...
Ghostrider Posted February 1, 2012 Report Share Posted February 1, 2012 @Angel: As has been said by several posters, ask around the neighbours, local mailman, nearest shop, P.O. etc and see what you can find out about it, then then take things from there. There is no quicker or easier way without more info than you have. Good Luck. If only you'd said this at the beginning... I did.... Asking around neighbours, or at a local shop or P.O. etc who owns it is the best way to go. Asking how/why it is in the condition it is in, at a local shop or P.O. would be wise too, they'd tend to be a bit more impartial in opinions offered, than an neighbour who would be more likely to voice their personal (and probably heavily biased for whatever reason) opinion. Page one, third reply. http://www.shetlink.com/forum/viewtopic.php?t=12941&postdays=0&postorder=asc&start=0 Link to comment Share on other sites More sharing options...
baggytrousers Posted February 1, 2012 Report Share Posted February 1, 2012 this thread pretty much sums up why i dont post on here, "to attack a straw man" anyone? Link to comment Share on other sites More sharing options...
pls Posted February 2, 2012 Report Share Posted February 2, 2012 Christ i think you just need to back off with all this mumbo jumbo! All she asked was a simple question. And she gets all this thrown back at her. I agree about the inner circle thing! You cant presume that she looked through the windows, you havn't seen what the house looks like, so it maybe is derelict. Sorry Angel if you feel that you wish that you hadn't asked that question, some people on here just like making arguments out of nothing, the rest really would help you with giving you the right informaion. Link to comment Share on other sites More sharing options...
unlinkedstudent Posted February 2, 2012 Report Share Posted February 2, 2012 Christ i think you just need to back off with all this mumbo jumbo! All she asked was a simple question. And she gets all this thrown back at her. I agree about the inner circle thing! You cant presume that she looked through the windows, you havn't seen what the house looks like, so it maybe is derelict. Sorry Angel if you feel that you wish that you hadn't asked that question, some people on here just like making arguments out of nothing, the rest really would help you with giving you the right informaion. Buying a croft house/decrofted house does involve a certain amount of mumbo jumbo! Angel said: ... I stated laws etc. because on the matter of houses etc. I don't really know all that much and thought that someone out there might've known some stuff on it, not laws on getting it, but maybe things to help out if it did so happen that it could be bought and maybe made into a croft again. I did not go and 'peer in the windows', and my apologies for my use of incorrect words... derelict, run down, ruined, whatever you want to call it. I was asking a question so as I could maybe do some research ... So we now know that she has stated she did not 'peer in the windows'; I never stated she had, I asked the OP a question. Until Angel posted that she hadn't, we didn't know. Hey, up until that point we couldn't even have presumed said property had any windows. In addition, none of us know if the property is derelict in the legal sense of the word because whether you like it or not, if Angel is not a cash buyer, obtaining a mortgage may well prove problematic. So if you think 'mumbo jumbo' on here is bad enough, and if indeed Angel is fortunate enough to purchase said property with land ("maybe made into a croft again") then wait until she sees the paperwork, regulations, etc., that go with running a croft - I hear they're not exactly a bundle of joy. But again, we don't know what (if applicable) crops/veg/livestock she intends to grow/raise/sell/whatever. Oh yes, the Inner Circle - Ghostie thought the "Inner Circle" was perhaps the Moderators. Shetlink Team are the Moderators, yes? Then perhaps this might be of interest:- "Give new threads appropriate and descriptive names - It makes it easier for folk to find subjects they're interested in, and saves them wasting their time on subjects they're not. Titles like "Look at this", "Lerwick" and "Advice needed" are not very helpful ... Avoid sweeping statements and generalised moaning - These activities translate as "blah, blah, blah, moan, moan, moan" and do nothing to encourage constructive debate. If you have specific examples, please refer to them and keep them relevant to the topic's subject matter. Stay calm! - Shetlink is a place where people of differing opinions engage in discussion. Please remember that everyone is entitled to their opinion and that by posting messages you may not get a response you agree with!" By jove, someone even wondered if Angel was referring to the situation on squatting and earlier on, also mentioned a scheme to bring derelict houses back into use. So the debate/discussion continued, with various contributions to the discourse. Now only the Moderators can answer this - either they were happy with the viewing figures and thought yep, a debate/discussion is going on here/we're not sure what the OP is asking/perhaps they didn't have the time earlier on to move said item to a more relevant part of the forum; either way, at least one Moderator has viewed and deleted the contents of a post. We are not the Moderators. Inner Circle - Mods?Middle Circle - Those who debate?Outer Circle - Those who do nothing to encourage constructive debate?Viewing Circle - Those who would post and join in constructive debate if it wasn't for the Outer Circle?Crop Circle on particular croft - who knows? Angel, I hope you are making progress with your research and that some of the information on here has proved helpful. Edit: And I apologise if Mods aren't happy with me referring to the guidelines. Link to comment Share on other sites More sharing options...
Ghostrider Posted February 2, 2012 Report Share Posted February 2, 2012 Christ i think you just need to back off with all this mumbo jumbo! All she asked was a simple question. And she gets all this thrown back at her. I agree about the inner circle thing! You cant presume that she looked through the windows, you havn't seen what the house looks like, so it maybe is derelict. Sorry Angel if you feel that you wish that you hadn't asked that question, some people on here just like making arguments out of nothing, the rest really would help you with giving you the right informaion. Read in to what's posted on this thread whatever way you have to to please you, I really could not care enough to give a damn. But if I'm supposedly guilty of reading meaning(s) in to the OP that isn't there, then I definitely have much company who are equally guilty of doing the same with replies, welcome to the club buddy. Link to comment Share on other sites More sharing options...
Fifi Posted February 3, 2012 Report Share Posted February 3, 2012 What a ridiculous thread this quickly turned into after an innocent request for advice.. So we now know that she has stated she did not 'peer in the windows'; I never stated she had, I asked the OP a question. Until Angel posted that she hadn't, we didn't know. Hey, up until that point we couldn't even have presumed said property had any windows. Your first comment to the OP (a self-proclaimed "rant") started with the rather unnecessarily hostile broadside, "Question to the OP: And how exactly have you "fallen in love" with a house you've never seen the insides of? Oh, does that mean you've had a good old nosy peak through the windows? Marvellous. ... ...Rant over". Re 'peering into windows-gate', while there is indeed a question mark there, it reads more like a rhetorical question. Answering it yourself with the comment "marvellous" reads like you've already made that assumption. You then refer to the Shetlink T&Cs/guidelines by quoting, "Avoid sweeping statements and generalised moaning." Hilarious! You couldn't make this stuff up! Link to comment Share on other sites More sharing options...
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