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Money Moral Dilemma: Should I pay for repairs to my fiancé's house in return for joint ownership?
This week's MoneySaver who wants advice asks… My fiancé lives mortgage-free in a house he inherited. It's in poor condition and needs £1,000s spent on repairs, but he has no savings to fund them. I currently rent a flat, but he wants us to live in the house together when we get married next year. He says if I pay for the…
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Rent Review sent from LA - can I just talk to Landlord and not go to a Tribunal
As the title says, we have received a Form 4 from LA, the day before the new Renters Rights came in. We usually have a rent review in August, they have asked for new increase to begin in June. In the notes section of Form 4 it states below: 3. If you do not accept the proposed new rent, and do not wish to discuss it with…
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Pull out of flat purchase because of uncertain parking?
Hey — would really appreciate some thoughts as I’m in a bit of a strange situation with a flat I’m in the process of buying in London. I viewed a flat that was marketed as having secure allocated parking. The listing heavily emphasised this (including photos of the space). When I spoke to the seller at the viewing, they…
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Solicitor held my money for 20 years should I get interest on top of the capital amount
My solicitors who acted in conveyance for me in a sale of my property just contacted me. They found they had accidentally withheld a significant amount of money on my file/account - unbeknown to me. They rang me to ask for my details to pay me the amount. After confirming it was the solicitors and not a scam they took my…
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Stamp Duty or no Stamp Duty?
I have 2 mortgaged properties, one I live in and share with my husband, another I rent out (which I paid stamp duty for). My husband and I are divorcing, I want to stay in the property but cannot afford to stay on the mortgage alone. My sister has stepped in and said she will take his place - but not live in the property.…
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No mains drainage and CON29DW error...
Hi all, I bought a house last year, which conveyancing assured us was connected to mains drainage (both through seller's report, a lvl3 RICS survey, and an official CON29DW search). Since moving in we've discovered not only does that seem not be the case, but it seems there is a septic tank of unknown age under part of the…
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Empty house insurance
I’ve recently lost my father and have been looking for empty house insurance, I received a quote from a broker today for a thousand pounds. It’s only a three bed terrace house. Does anyone have any advice please, I’m at my wits end and can’t afford that. many thanks
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Buying a house with outstanding building regs….advice 🤗 welcome
Hi all. I’m after some advice or clarification on what I’m c89 to which I can only assume the single storey garage with pitched roof to match the bungalow was completed then. A buildings reg application was put in around 2008 to change the garage into a bedroom. This building regs were never closed and it’s still ‘open’…
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Selling via auction?
A friend has done the probate on his father's estate and he is selling the house. I was surprised when the house was listed for auction, thinking it would get a lower price. But Google seems to think it's normal to sell a house via auction after probate. The house does need updating and a little work, but is it just being…
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Selling fast?
When my mother in law passed away, we inherited money and her house. My Partner is executor and everything was left to her. We have obtained probate and after bringing the property up to a good standard, we are now ready to sell it. We own our own home which is undergoing refurbishment. We paid our mortgage off with some…
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Possible Invalid Section 21 Notice – Advice Appreciated
Hi all, I would appreciate some advice regarding a Section 21 notice. I have been renting a studio flat under an AST for a few years and recently received a Section 21 after the landlord had been trying to sell the property for quite a long time. I have always paid rent on time and there have never been any rent arrears or…
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No right of access & indemity policy
Hello, I am looking for some advice. I am in the process of purchasing a property that was built just over 10 years ago and has a driveway for 3 cars. We found out that part of the land that allows access to the driveway belongs to the neighbour (more or less 60%). It is "just" the access (i.e. a wide and small strip of…
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Hold-ups when buying leasehold property
I'm buying a leasehold flat, and was aware from the start that leasehold can be more complicated / take a bit longer than freehold. A few months in, and the solicitor is still waiting on some information from the freeholder. Presumably the freeholder is in no hurry to locate and send this information, or possibly are…
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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…
