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Martin Lewis Blog: 'House offer accepted, now they want £20,000 more! What should I do?'
A passer-by stopped Martin in the street recently to ask his opinion on her house buying dilemma. You can check out his view in a video he posted: Martin Lewis: 'House offer accepted, now they want £20,000 more! What should I do?' What would you do? Stand your ground? Walk away? Pay the extra? Negotiate? Tell us your…
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New to the House Buying, Selling & Renting board? Start here
✅ This board is for... * Questions about buying or selling a home * Questions about renting a home * Questions about being a landlord 🚫 This board is not for.. * Debating the state of the economy * Debating house prices in general * Political debates Note: In order to help keep the Forum a useful, safe and friendly place…
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Tenancies in Eng/Wales: Guides for landlords and tenants
post 1 This thread is intended to provide information to both landlords and tenants relating to Assured Shorthold Tenancies (ASTs) in England and Wales. Updated April 2020 to include the Coronavirus Act 2020 and July 2020 to include the Electrical Safety Standards Regulations 2020. Topics covered: Post 2: Repairing…
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MSE News: Home buying and selling could become 'easier and cheaper' in future under Government plans
Plans to make the process of buying or selling your home faster, cheaper and less stressful have been unveiled by the Government today (Monday 6 October). But it's still very early days, and the proposals are yet to be finalised. Read the full story: 'Home buying and selling could become 'easier and cheaper' in future…
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Estate agents have taken more money than i've agreed
Hi all Hoping you can help. My house is rented via Reeds Rains, and i have been there since 2017. My rent has recently gone up from £475 to £525 per month. They where trying to get me to pay £550 however, i have haggled, and got it to £525 per month. I didn't sign anything for £550. On the 1st October they took £550 from…
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British Homebuyers
Hello Has anyone sold their house to British Home Buyers please. Have read about them and am aware they could reduce the offer after survey, just would like to know what it is like to deal with them all the way through
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Reasonable Offer?
Hi all. Single FTB looking to purchase ASAP. My max budget is £180k, 5% deposit. For context, £165-180k currently seems to get me a modern 2-bed semi or a 3-bed semi in need of renovation. A lot of properties have been on the market for a couple of months or more, some with £5-10k reductions in that time. I have three…
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Stick or Twist - Looking for some advice on whether to move now or wait
Hi, We’re currently 3.5 years into our first home – a 2-bed extended semi in a nice part of Greater Manchester. * Bought for £290,000 on 5% deposit in 2022. * Spent around £15,000 on improvements (boiler replacement, full main roof replacement, garden renovation, replacement flooring, under-stairs storage fitted) * Current…
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Mortgage Lender Survey
I'm selling my house. The buyer's mortgage lender have asked for a lender survey to be done to see if the house is worth the price. I’ve never heard of this but am probably not up to date as I bought it 10 years ago. The company coming have some recent 1 star reviews for down valuing houses. My friend said when she sold…
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Threatening letters to previous owner
Not sure if I'm on the right forum here, but... I moved back from England to N Ireland to retire on 31/8/17,
and bought a house here, from a family I’ll refer to as “F”. I have no
mortgage. Since then, I have received an endless stream of letters
from an outfit in Chester called The Mortgage Business (TMB), addressed to…
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DIFFICULTY SELLING
I am selling my flat. It has taken 6 months for the buyer to get a mortgage! The agent's broker has been useless. The flat is in a converted office but the buyer must have described it as an ex local authority one. After 3 failed attempts the broker let this slip in an email. I had given the agent the correct information…
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Buying a share of freehold: What percentage? Difficult majority freeholder?
Our very first post ☺️ Looking for advice 🙏 We are leaseholders in a block of 10 flats. Our share of the service charge is 15%. The lease length is 120 years. Currently, 15% of the freehold is for sale, either as a whole or split between leaseholders. What are the benefits of buying a share of the freehold? Our…
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No longer want to sell
Hi signed a contract with local agent for sale of house about three weeks ago on a No win No fee basis. After viewing several properties we had decided just to stay put. If I contact agent and explain this what kind of change can we expect ? The cost is £1400 if sold . We only have online advertising and local agent window…
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Declined from Santander
Hi, we have been declined by Santander for our mortgage (to port and add an additional 160k to move home), we already have a mortgage with Santander and had a mortgage in principle for them so thought we would be okay. feeling really deflated from it as it now means we have to try elsewhere and also have to pay the early…
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Landlord: Replace Electrical Consumer Unit to comply with latest standards
My flat was built in a large city centre tower block in 2004. My agent has arranged the following: Replace the Electrical Consumer Unit to comply with the latest standards570Admin cost for Negotiating, arranging, providing access and issuing a 5-year certificate50 I am proceeding because I want to take no chances on…
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New "Have a Look at This" thread
The other one has disappeared and any posts I have made are not listed in either my posts or thanks. This thread is for things like: . Spotting pets in properties . Anything awful - decor, extensions etc . Quirky properties . Timewarp properties . Properties in serious repair and anything which is different and of interest…
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Bought house now second thoughts
Hi Despite a year of mental illness I still felt it was urgent I bought a house as I'd been living with parents. I had saved 200k by working for 20 years which would get me a one bed flat or maisonette. I wanted to avoid a mortgage as psychologically I struggle with the endless payments and just don't like being in debt. I…
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CGT home valuation
I purchased a second U K home in March 2022 . My main home had been purchased many years prior and I nominated it as my main residence with HMRC shortly after purchasing the second property. HMRC wrote back acknowledging this. In March 2025 I sold the main residence and as such it was not subject to CGT. I informed HMRC…
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Sell inherited property to sibling for less than probate value
Hi, first post so apologies if I have made any error in where to post. My father has passed away and I am set to inherit both of his properties. My half sibling lives in dad's second property and has done for several years. This has been an agreement between them and their stepfather (my dad) as it was beneficial to both…
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Stamp duty help
Hello. Im looking at going into a shared ownership property but i cant for the life of me work out stamp duty. I owned a house in 2005-2010 have lived in private rent since. So technically a ftb The mortgage value of the shared ownership is £80k. Leasehold One place i look it says no i wont pay then the next i look it says…
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ST1 or adverse possession?
Hi everyone We are intending to purchase a property in England where sellers have part of their garden which is not on the title plan. They have sent us a filled ST1. I am now wondering whether they should submit the ST1 to Land registry and/or apply for adverse possession or would it be upto us to apply for adverse…
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Removing a covenant!
I am at present remortgaging my property. My husband died three years ago & the house was in joint names. I removed his name from the deeds after his death & now I'm the sole owner. The solicitors dealing with the remortgage say there is a restrictive covenant on the property stating there can not be a sole owner of the…
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Selling a property; unsure of deductions 😔
Due to a family issue I have to sell my house (currently being rented out) and as a newbie to this I was hoping the more experienced of you could advise as to my position/my expectations re sales. Facts: bought in 2004 and lived in til 2008. Moved out in 2008 to current property and rented the initial property. Mortgage…
