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Stay as a landlord or sell?
I have a rental property that I decided to sell last year. House went on the market and has annoyingly and for no good reason fallen through twice .It is back on the market ,but the market seems to be very sluggish. I am toying with idea of giving myself some breathing space and renting it out again ( I don't need to sell)…
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Estate agent overcharged commission fee
My estate agent has been overcharging me commission for their property management and tenant find service as a landlord client. I just noticed the discrepancy when filing invoices and comparing it to the signed terms and conditions. It stretches back to the first invoice in May 2024 when the first tenant moved into the…
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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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Service Charge Help / Advice
Hi All A person has died in our block (1 of 20 flats), has no heirs and the flat has been empty for some time, looks like going to be claimed by the Crown. Management company are still billing all of us for this flats service charges. Can they do this? Seems unfair because they are taking the unpaid service charges for…
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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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Maisonette insurance problem
Hello, I am haping to get some insights from anyone who has passed through something similar, or has some fact base based information.This is on building insurance for a maisonette. I am a first time buyer, trying to get a ground floor 1 bed maisonette, in a building with 3 other maisonettes. It is leasehold, building was…
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New Build in Scotland Disputes with Builder
Hi All, We bought a new build in May 2024 and we our windows and doors have not been water tight throughout the two years. The two years will end on may 2nd 2026. The builder has been out over 20 times and cannot fix the issue, its causing damage to our property. We have lodged this via NHBC and complained officially to…
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How can we ensure the management company take responsibility for replacing our roof?
We own a property in a private road where we pay a service charge to a management company for the shared areas. The management company is responsible for our flat roof which was replaced by their contractor 2 to 3 years ago. All of the properties in the road contributed to the roof by an increase in the service charge.…
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Best way to find a cost effective Coveyancer for Selling a Property
Hi All, I am actually surprised that within the Moneysavingexpert's selling guide there's no recommendations on the best way to find a cost effective well reviewed coveyancer. Therefore looking for recommendations of how to go about this rather than just randomly searching. Found a few websites that seem to do some…
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Auction fees
Hi, My daughter wants to buy a house which is advertised on Rightmove through William H Brown but advertised as an auction property with ‘I Am Sold’. However, it is not currently on as a lot in any of their advertised auctions. She has made an offer and has been told by a representative òf the auction house that she will…
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Getting a UK mortgage with foreign income.
We have been looking for a mortgage at very low LTV (25%) an thought we would have no trouble getting a mortgage as I have index linked pension income from overseas (EURO denominated). That income is about £4,000 per month against a mortgage payment of around £1,000. However, no UK lenders seem willing to touch us which…
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Transferring home to spouse then purchasing a new property query.
Hi. I have a query relating to a close relative and their current home (in Wales). There's no mortgage on it and it's in the husband's name. He's planning on transferring this property to his wife who doesn't own or have any property in her name. He'd like to purchase another home (also in Wales) with his son in which all…
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Solicitor fees and stamp duty
My grandparent is kindly paying the legal fees for us on our house purchase. We have to make our first initial payment imminently, from our card. Presumably if we make the payments and then grandparent sends money to me after is ok? Would we need to declare it as I was told before we’d only have to declare gifts for the…
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Selling a leasehold property
So I brought my flat from the council and now I'm able to sell, hoping to complete 1st may. I'm in a masionette with 8 other residents. Back in Oct '25 my neighbour contacted the council as the fasica above her bedroom window had fell off as it was rotten. Pigeons started arriving and laid eggs etc etc. They didn't get…
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Pepper money
I've got a mortgage with pepper money, hoping to complete 1st may. I had to use my credit card to pay for management pack from council plus level 3 surveyor, so £840, I know we shouldn't pay things using credit cards but I had to. Will pepper do a final credit check before completion, I'm getting worried now
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Buying freehold land when seller owns the freehold?
Hi. Please can someone clarify my position in this situation. I’m buying a freehold property with part of the garden being leasehold. The vendor is the family of the original owners of the property, built in 1980, who have now died. The story goes that when the house was new build, there was a bit of land left over that…
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Accepted offer - now discovered issue
Hi. We have been in the market 18 months. Finally got an acceptable offer. Bit lower than hoped but adjusting. Today, I was clearing out and cleaning the bathroom when I discovered that the skirting board near the bath was rotten. Completely fell apart. I'm pretty street it's because water from the shower has gone on the…
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Housing Association Bathroom Refit?
I am aged 72, my HA want to refit the bathroom, in what used to be an age related rental property, now it seems anyone considered "vulnerable" are allowed. They are coming to survey next week and I asked on the phone if they were replacing the current bath "like for like", or if a walk-in shower could be fitted due to my…
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Is buying property still a good investment?
Hi all, Playing around with ideas with my husband for our future. We don't even know if it is even a viable option for us affordability wise but there was mention of releasing equity from our home to buy one buy to let as an investment. Is this a good idea....now with second house tax, prices through the roof etc. We have…
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Received Section 21/6A Notice
Hi all. Had our two month notice served a couple weeks back with a date to vacate of 6th May. I spoke to the estate agents who manage it for the landlord that we were looking to buy now and can we maybe get an extension, they came bac to say it is possible but would need to see proof etc. We had an offer accepted on a…
