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How to get equity, force a sale and remove a borrower. What are my options?
I half own a three bed house in Dublin. My ex still lives in the house. We have about 7 years left to pay off the mortgage. I stopped paying in 2014. The mortgage was started in April 2008. I have no clue how to force a sale. I have gone down the route to remove me as a borrower but she refuses to do this. Can anyone let…
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Mortgage clause help damp/timber survey
Offer accepted, mortgage has put clauses on and confused re exactly what they mean, solicitor directed us to estate agent, estate agent confirmed seller not willing to pay anything but is happy for us to... Mortgage clause attached. We are OK with getting builder for work on ceilings between exchange and completion, going…
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Names added to deeds of inherited house but don’t remember signing anything.
10 years ago mum (widow) had my and my sister’s names added to her (owned outright, freehold) property deeds. We have the Land Registry document (but no other relevant documents) which has all three of us listed under section: ‘B. Proprietorship Register’; ‘Title Absolute’ However, we have no (and apologies if any of these…
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Lease wording regarding whose responsibility it is to maintain windows
I have a flat in a Victorian house conversion and I just want check the wording of the lease to confirm that I am responsible for the windows in the property rather than the freeholder and if so would that include the outside of the frames as well, they are wooden sash windows. All the sash windows in the flats within the…
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Unregistered lease on Land Registry title
Hello, this is a long shot but I'm wondering whether someone can help me to understand a problem we're having with our house sale. We bought our current house in 2014 and discovered in the process that an offer had been made to sell the freehold to the previous occupier. After purchase we took up that offer and had the…
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Is there an easy way to get alerted to new planning applications?
I'm currently in the process of purchasing my first house. I'm curious whether there's an easy way to see planning applications nearby, ideally on a map. I'm definitely not a NIMBY, but I'm still interested to see how the rest of the development will expand (it's a New Home).
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Can/should my estate agent give me info on the full purchase chain?
I'm currently in a chain that's 5 links long (was in a 4 link chain before but it fell through). I'm rather keen not to just know about my vendors and buyers, but my buyers' buyers and their buyers. I'm pretty sure my estate agent knows the details of this (like their estate agents and properties, at least, not sure about…
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Capital Gains Tax on % of a property.
I'm now investigating the subject of CGT which will be rearing its ugly head in the near future… Quick overview: Self and sibling added to widowed mum's house deeds in 2016 (house owned outright, no mortgage). No other relevant documents so, barring anything suggesting otherwise, it's assumed we at that point each owned…
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Unauthorised tenancy - options?
My adult son (vulnerable, safeguarded) has lived in the same privately rented flat for 14 years. The flat was sourced with the help of Mencap as a support agent, but through the same avenues (letting agents, letting websites) as anyone would use. Cutting a very long story short - the owner of the property, who we had never…
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Succession on a pre 2012 tenancy
Hi all, I lived with my grand father on and off since 2018, and permanently since October 2023. In December 2024 he passed away. I was on the rent book, and me living here took into account housing benefit etc... . I believe I have a right to succession on this basis, it was a 1 bedroom flat and I slept on the sofa. I gave…
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Self Storage renewal price 13% above undiscounted list price. Is it legal?
Screenshot above is what they say the un-discounted, non-new customer price is versus what they're now charging me (13% more). I'm not using their insurance or other extras so is a like-for-like comparison. The price was £58 before and the increase based on "a review of list prices across our stores and unit sizes" but…
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Buying next house with commercial building on the land
Hi everyone, I am looking at buying our next house, as part of the house there is a commercial building at the bottom where the last owners converted it to a summer house type space. It's quite large and we had the idea of turning it into an AirBnB. Just wondered if anyone knew the costs/things to go through to get it…
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SDLT second home
I sold my main residence >3 years ago, and have been living in my Mum's house, half of which I inherited 20 years ago. I now want to buy a house with my girlfriend, and believe I'm liable for second home SDLT due to the inherited share and >3 years since I sold my main res. She has a small house, no mortgage, which she…
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EPC downgraded from C to D
We have a EPC carried out in 2020 which we were awarded a C rating. Just had a surveyor to do a EPC, despite us having a valid EPC. She had downgraded our EPC rating from C to D, bang on at 68 points - a C will be 69 points and above. I was wondering if I can get some advice from well versed people here: a.) With a valid…
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Checkmate Certificate of Structural Warranty
Anyone with a Checkmate Certificate of Structural Warranty that they could share with me? I have received something for my home that looks unprofessional. Address mistakes, title of document, grammar, format and layout. Happy for all the personal information to be redacted, I just need to know what it looks like. Thank you
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Selling a house as the attorney (POA).
We are just about to set the wheels in motion to sell my father-in-laws house. Valuation appointments are booked this weekend and then we will appoint a conveyancer from a short list. I know the conveyancer will answer this question but I thought I would ask on here first. We will be selling his house as his attorneys…
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Estate agent problem with EPA
Hi I have an Enduring Power of Attorney for my very elderly mother. This was drawn up in 1998. I have used it to open bank accounts and sign care home contracts. We now have to sell her cottage to pay the home fees and pay back my brother and myself for fees already paid. We put her home in the hands of a local Chancellors…
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Seller refuses Building Regs Regularisation on 2-storey extension. Solicitor says proceed, but I’m w
Hi everyone, I’m currently in the process of buying a house in South England and have hit a major wall regarding Building Regulations. I’m looking for some perspective on whether I’m being too cautious or if the seller is being misleading to avoid an inspection. The house has had several major works over the last 15 years.…
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Estate Agent that states their terms are non negotiable
Hello I found a well regarded estate agent and I asked them to reduce the tie in period from 20 weeks to 12, to change a sole selling rights contract to a sole agency rights contacrt, and their repsonse wes… as a business we are not able to amend …conditions…. to different client preferences…. Are they stringing me along?…
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Making sense of CGT
Hi, trying to figure out our potential liability and going round in circles so would appreciate some help. We're in the fortunate position of being able to buy our next house with an inheritance and thus considering buying before selling our current property. Only considering, as we may decide to just sit tight and wait if…
