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How can I invest into the flat we re moving in ?
Hi all, :o my girfriend and I will be moving in together in a flat she s going to buy with a mortgage and a deposit made of her parents saving, plus hers. We'll be living into this flat but it is planned to be sold at some point to finance retirement in another location. I couldn't take part financially before ( i'm a…
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Buy freehold before we can sell
We bought our home 13 years ago. It is leasehold with the local council holding the Freehold. Now we are looking to sell and only have 50 years left on the lease, which we know is a major issue. We have contacted the council and asked for the cost of purchasing the freehold, and the cost of extending the lease. My question…
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To buy or not to buy, that is the question.
Hi, Wanting (needing) some worldly advice please... Current Situation: My partner and I live in a 2 bed property. I brought as a shared ownership property (40%) at £225k 5 years ago. We staircased together earlier this year to 100% at £295k. House has been valued recently from a couple of agents at £315-320. We are…
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Equity charges
My partner and I are currently buying - offer accepted, mortgage approved, conveyancing searches all done, literally been waiting to exchange and complete. However, I am now being told that there we are waiting for equitable charges / redemption statements to be removed from the register. Does anyone know what this means…
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Asbestos in house we're buying
Hi, My wife and I had a building survey completed and this indicated the possibility of asbestos, as such we've had an asbestos survey carried out and found that the tiles they've used in a suspended ceiling are asbestos insulation board (Amosite, Chrysotile). Our son has breathing difficulties and there is no way we'd…
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Under Construction
So whenever you watch one of these house renovation programmes, invariably the decision is taken to move a (load-bearing) wall or whatever to modernise the space and make it more user-friendly for the current occupant. In which case, why don't developers building new homes these days incorporate a steel skeleton so that…
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Our neighbour owns a part of our garden
In 1996 we bought a cottage flat. The front garden belongs to us and half of the back garden. It has always been used as a rental flat and our neighbour upstairs spends most of his year working in Dubai. There are no fences up and we always cut the grass along the same invisible boundary line. The flat went on the market…
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Solicitors
We are currently selling through one estate agent and buying through a different. We are being "offered" their conveyancing from both agents, obviously there is a nice commission or there would not be such a hard sell:D Any thoughts on who to choose, do I go through one of the agents or choose a totally independent one. I…
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Help with stamp duty
So if I sold the current property at a reduced price to sell (say for the same amount as the additional stamp duty would cost me )and purchased a new one with standard stamp duty. What happens if I purchase another property in the future on BTL?
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Renting a property without HMO with my brother and friend.
Hello, A friend, my brother and I are looking to rent a 3/4 property in Bedfordshire / Hertfordshire. the majority of the properties do not have HMO license and the ones that do are too expensive. My question here is that if me and my brother sign everything and pay the rent can the friend live with us without the need for…
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Help with stamp duty
Could someone please help as I am getting conflicting information from several legal advisers. I currently have a mortgage and intend to re mortgage with a but to let as we are struggling to sell at the price we need. I also intend to take out a new mortgage for our residence. My question is will I incur an additional 3%…
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Help! Can they do this?
I moved into a rented flat in late July. They were very vague about what sort of tenancy agreement they were offering and kept saying "it's flexible for up to 3 years." It all had to be signed electronically so I didn't get to see a copy until I'd already paid my money. It turns out it is an Assured Shorthold Periodic…
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First Time Buyer, being delayed due to deeds??
Hi Guys. We are in the process of buying our first home, we have the mortgage sorted, home buyer report back ( got a slight reduction in price due to things coming back on this) We paid the solicitor the search fees 3 weeks a go and we have now just been advised by the estate agent that there is a delay. The person who…
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Buying a house - what is this manhole?
Hi! We're in the process of buying a house and have received all the searches except for a Local Authority search. We really want the property and do not want to delay things, and will buy it anyway, but I am puzzled by what is this manhole cover? s17.postimg.org/5znslhdq7/manhole.jpg There is nothing about it in all the…
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Chaps payment delayed with nationwide bank
I have sent Chaps payment to my solicitor through nationwide bank since Friday 16September. On Friday morning received a call from nationwide to say my payment has been withheld with HSBC bank but they don't know the reason and they will find out that on Monday. On Monday a call from nationwide bank asking me HSBc need my…
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conveyanceing aborted, what does this mean
Hi Today i got a letter from solicitors saying that the conveyancing matter has been aborted on their system. Any idea what thus means? Has the seller pulled out or has the solicitor decided not to accept me as client?
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Home buying
Hello, can anyone advise I am buying my first home and was wondering if the house I am buying should have a boiler certification and electrical certification? I'm not sure if that is the law to have these? Many thanks
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Transferring Property as a Gift to Nephew
Hi there, I am a foreign citizen, with a property in the UK (England). The mortgage has recently been paid off and I am now hoping to give the property to my sister's son as a 'gift'. What is the best way to go about this? And how is the transfer affected by my being a non-UK/EU citizen? According to the Stamp duty govt…
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Counterclaim against Landlord
Hi All Advice needed please about making a counterclaim against my Landlord. Without going into to much detail he has served me with a section 21 because he got served an improvement notice after I had to get Housing Standards involved because he would'nt do any repairs and has ended up with a £12,000 bill and is also…
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Old build roof loft conversion question
Hi, so I'm completely new here and to buying houses, so please bare with me. My wife and I have been to view a house, the first of our endeavours to buy one and I've read a lot of "what to ask and look for" type things online. A few of them said to ask about the roof, especially if there had been a loft conversion. The…
