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Independent Legal Advice for mortgage/lender – what should I expect?
Hi all, Just looking for a bit of advice / experiences from anyone who’s been through this before. I’m currently in the process of buying a house and the lender has said that independent legal advice (ILA) is required in relation to part of the mortgage arrangement. My conveyancing solicitor has said they can’t act for…
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Bank wanting zero balance on reward credit card
Hi, I'm in the middle of a mortgage application and the bank is currently holding it up because they want a zero/nil balance on two credit cards I use for my daily spending and then pay off each month. The cards are a paid (£300 annual) BA Amex Premium Plus (and a back up Barclaycard Avios Mastercard for where Amex isn't…
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Rental properties and pets
Despite the change in the law on 1st May that renters have the right to request permission for a pet, every one of the properties I've found through email alerts on Rightmove have categorically stated no pets, both in the summary and the description of the property. These are all new postings, so it isn't as if they are…
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Leasehold Carpet Clause
We are looking to buy a leasehold property but have just been informed there is a "carpet clause". We would really like to have hardwood flooring instead and can't see any issues since there isn't a property below it. However, I'm wondering if anyone has had experience in convincing their leasehold landlord to allow them…
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Processing time of Land Registry to aid New Build resale
I have just found out that the leasehold portion of my shared ownership home has not finished being registered in the land registry, but the freehold portion has (i think that’s how it works). I attempted to expedite the process and they informed me that they had sent a request to my previous solicitors and are awaiting a…
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renting furnished or unfurnished for 6 months or so
Hi looking for a nice flat for around 6 months possibly a slightly longer makes sense to me to go furnished, due to time frame. however, does anyone think i'm limiting the market unnecesarily? i mean could i just buy a roll up mattress on the floor and a cheap chair table/desk which i wouldnt even take with me at the end?…
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Rental holding deposit
has anyone had experience where holding deposit on a rental is being asked to be paid via rightmove ?
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Short Term Lets after May 1st?
I have been told by an established rental agency that after may 1st it will be illegal for landlords to advertise their property as a short term let even if thats what they wish to do. So this raises the question. If one has a property they wish to let just for a limited period. Say, for example, you are not sure what you…
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New RRA rules ending tenancy
Hello all, looking for some advice please. My daughter gave notice on her rental flat today (01st May) as they've also just exchanged contracts on her first house purchase. She couldn't give rental notice until exchange of contracts. The existing tenancy agreement gives a one month break clause but the landlord's agent is…
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Restrictive covenant on garage
Hi All. Any advice greatly welcomed. I have a 4 bed house with a garage. We are a lessee of the garage as it is under a coach house (the lessor). After years of using the garage for household items (as the garage will only fit a tiny car), the lessor has told all 3 lessees to clear out their garages due as we are breaching…
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Removing Charge from deeds
I am looking for some help as to removing a Charge from Land Registry records. Several years ago, we loaned our daughter some money and on legal advice, placed a Charge on her property. We would now like to write off the loan and have the Charge removed. Is there a simple way to do this ourselves or would it need a…
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CGT on main residence – moving abroad before completion (final 9 months + non-resident)
Hi all, I’d appreciate a sense check on CGT treatment for my main residence as I move abroad. Facts: Bought UK property in 2020 Have lived in it as my only/main residence the entire time (~5 years) Plan to leave the UK and become non-resident in September 2026 (moving to Australia) Property will be on the market before I…
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Shared Drive White Line
Hi, we currently own a property at the end of a shared driveway, can anyone tell me if these white lines leading up to our neighbours gate (part on shared driveway and part on their property) have any significance to the shared driveway convenance? And is the area within protected?
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Dampness readings in property
We are in the process of buying a property and the survey has returned some dampness readings as high as 38% in a couple areas! They have mentioned there is no visual signs of dampness so they recommend monitoring the situation only. The rest of the survey was very positive with only minor work required, which we wouldn't…
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Eviction problems with form N5B
Brief version, I became an involuntary landlord after the original landlord died and named me as executor of the will. I have served a section 21 on the tennents, that notice period has passed and they are still refusing to leave. I am now applying for an accelerated possession order using form N5B and having the following…
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Shared Ownership Staircasing to 100% - SDLT due?
Hoping someone like @SDLT_Geek will be able to help here - have read great advice to others. As a first time buyer, I purchased 50% of a brand new shared ownership leasehold flat in June 2019 based on a value of £420000, paying £210000 for the 50%. I did not opt to pay SDLT based on the full value, as even though it would…
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Can my student daughter now give 2 months notice and end her tenancy?
Looking at the new rules it looks like from May 1st she may be allowed to give notice and end her tenancy early. There are 6 in the house and they all finish uni by 1st July but their contract makes them pay until 31st August. I appreciate that it means the landlord wouldn’t have the income for 2 months but they each pay…
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Negligent surveyor
I'd love to hear from anyone that has had success in suing a surveyor for damages. How long was the process, what were your costs and what was the outcome? Following a pre aquisition survey, I bought a property last February. On the day of completion, I noticed two issues which the surveyor had overlooked. Unfortunately, 4…
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Inspection certificates
I’m currently selling my flat to first-time buyers. It’s a two-bedroom Edwardian maisonette with a share of freehold. We’re mid-transaction (survey completed), and the buyers’ solicitors have raised a couple of additional requests: EICR (Electrical Installation Condition Report) I understand this isn’t a legal requirement…
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Communal problem -v- access
I know the devil is in the detail therefore I should read my lease but in general is there any overarching principles or general ways things work where there is a problem with a communal part of the freehold building but access to fix and repair it can only be done via one flat? Have a leak, may be communal soil pipe,…
