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Mortgage account fee
Hi I am about to remortgage with the same lender and was just reviewing then offer When I noticed that i need to pay a £225 account fee. Was wondering if I have to pay it if I am staying with the same lender thought it would be for new accounts only.
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Help - Costly NIBE heating system
Dear All, On the 27th October I signed up and moved in to a new flat in Poundbury, Dorset. When I viewed the flat I was shown the kitchen and in the corner cupboard was a big boiler. Told it was a eco-friendly boiler. The EPC certificate showed it was going to cost £327 per year for lighting, heating and hot water. When I…
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Selling house following divorce
I have recently attended court for a financial dispute resolution as part of my divorce settlement. The court order states that the family home is to be sold and the equity be paid to me. Prior to attending court a form e was completed were both parties put down the value of the property, we both put down what we thought…
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Multiple Dwelling relief - Stamp duty
Hi Folks, I am hoping some one has experience of multiple dwelling relief on a house purchase. I bought a house in July which has a self contained annex (full planning / own council tax etc, all under one title). At the time I paid full stamp duty on the purchase price. I have since discovered that I may have been eligible…
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Service Charges
Hi all I've read some horror stories on these threads relating to management companies charging leaseholders extortionate service charges. Obviously I understand that this is a risk that you take when purchasing a leasehold property. Often I hear of management companies ploughing a lot of money into sinking funds to pay…
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Conveyancer recommendation South East London
Hello everyone, I'd be really grateful for a recommendation of a conveyancer in South East London that you've recently had a good experience with. Thanks very much in advance!
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Lease Extension Excessive Solicitor Charges
Hi all Wondering if I could get some advice. We are virtually at the end of a lease extension and the section 42 notice didn't get responded in time by the freeholder. Good news for us because we had to agree the extension under our valuation which was lower than expected. The problem is my solictors extra charges seem…
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Struggling to Sell - Hints and Tips
https://www.rightmove.co.uk/property-for-sale/property-57871044.html We are selling (or trying to!) our four bedroom house and have been listed on the market since August. We had ten viewings with the first agent in the first couple of months, and a couple of offers, but both didn't seem wholly genuine (one didn't have…
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WWYD Mortgage Decision
In a few months my 5 year fixed rate mortgage is coming to an end. I am torn about what to do next. I bought this 3 bedroom semi detached house with my now ex-husband. We have no children and he has no financial stake in the property. It is unnecessarily big for me and my cat. It is also 3 doors down from my ex…
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Mortgage Retention Advice
Hi, We are at the tail end of buying our house of £140,000 and we are borrowing £50,000 with £90,000 deposit. Our lender (Halifax) have offered the mortgage 4 weeks ago but today ive been told there is a £10,000 retention regarding the un adopted private road which I find astonishing considering we are only borring…
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BT notice period when moving
We only concluded missives and had our date of entry confirmed last week, and I've now gotten around to arranging broadband, TV etc. We are currently with BT, but do not want to stay with them. We cannot move the service and then change provider as they wanted us to start a new contract so I arranged new services for the…
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First Time Buyer paying SDLT (Market Value Election vs Payment in Stages)
I am a first time buyer (FTB) purchasing 30% (£123,750) of a new build shared ownership (lease hold) property whose 100% value is £412,500. The 'market value election' for paying SDLT will be £5,625 including the FTB relief (ie. 5% of £112,500 over the £300,000 threshold). Apart from the considerable initial expense this…
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Advice - Smoke in communal area of flat
Hi Looking for advice please: I rent privately in a block of 9 flats. These flats are a mixture of private renters and council tenants. My 12 month tenancy agreement started in August. Landlords seem great so far, they have a management agreement with the estate agents so everything’s dealt with by them. My problem is, I’m…
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Am i a FTB?
Hi All, I've scoured the web and looked at various different posts, but my situation is a little unique and i'd like your views on whether i qualify for FTB ISA bonus and SDLT relief. Background: My parents separated a few years ago and my father bought my mother our of the house so he owned it outright. Unfortunately he…
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House buying dilemma
I am an ftb and very far along the process of buying my first house (contract signed and deposit sent far) there is a delay further up the chain. I have today been offered the opportunity to purchase the property I am in. I love this place, It has pros on the other house and cons. I am feeling very conflicted right now.…
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Stamp duty - building plot
I have forum searched for the title of this post and didn't seem to throw anything relevant up. I've done a bit of reading and development land, i.e. a building plot appears to be classed as residential property as opposed to commercial? However there are then different rules for stamp duty with regards to developers so…
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Council tax unpaid for gap in tenants - now being chased
Hi all Need some advice please! 18 months ago I moved house from, say, 10 Green Street, and moved into 20 Brown Street. I also own a property I rent out, 30 Black Street. Today I got a message from the new people living at Green St. It was marked urgent so I asked them to open it. Turns out it's an enforcement agency…
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Ladybrook securities stopping house from selling.
Anyone had any experience of selling a house and ladybrook securities holding the process up? They are the free holders and have sent a letter to our solicitor saying that we are in breach of the leasehold contract. They are stating that we have built an extension without their permission. The extension was built by the…
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Roof Condition Rated 3
We are buying our first house. It is a 1920s end of terrace house in Harrogate. We just got our Homebuyers Report back and it has flagged up several issues with the property, that have been condition rated 3. The house desperately requires a new kitchen and bathroom. But if we need to fix everything that has come up in the…
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Newbie Property Investment
I'd like to get into long term property investment. My question is around initial advice on building my own knowledge. I'm looking to invest, but don't really know where to start. Is anyone else on here focussing on long term property investments? Are there any particularly good online resources available for learning?…
