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Paying council tax on a empty second property on the market
I have a second home in St. Helens that is empty & unfurnished on the market for sale since July, which qualifies for 1 month discount only. I am currently paying my council tax in Birmingham as my main residence. Am I not entitled to some discount? Wouldn't it be cheaper to lie and apply for single person occupancy under…
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"OIEO" £325k - how much to offer?
Me and partner have found a property we like enough to make an offer on. It was up for £340k in June and price dropped to offers in excess of £325k. We are FTBs and have an AIP so are what they call 'proceedable' :cool: There are no similar properties nearby sold recently - it is a fairly rare for the area 3-bedroom…
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Getting a pet mid tenancy
Hi everyone, We've lived in our current property (rented) for 5 years now. We've decided we'd love to get a little doggie to join our family. Obviously we want permission from our landlord, however a few years ago, we got 2 guinea pigs and he wanted "confirmation" that they were only going to be in the cage! We had no pet…
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Letting house but unable to get building insurance due to subsidence claim
Hi, The property I've been living in was suffering from subsidence, so after having this confirmed I put a claim in through my insurance, which after they checked out with various surveys said was a valid claim but due to the type of subsidence and the fact that council owned trees with a preservation order were involved,…
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Source of funds proof when exchanging contracts
Hey guys could really do with some legal advice on this if possible.. My partner and I are in the process of buying a property. The purchase is going to be a cash purchase (25% cash from me and my partner and 75% from my mum ) we need to exchange contracts ASAP tomorrow as there is another cash buyer looking to do the same…
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Ending a Joint Periodic Tenancy
Hi Everyone, Apologies if this has already been answered elsewhere and apologies for the length! I moved into a flat (rented privately) with a work colleague on 10/10/2018. The original tenancy term was 6 months. Once this ended in April, we agreed to continue the tenancy on a monthly rolling basis. This was not put into…
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Best Survey for a 90s house
I've had an offer accepted on an extended 1990s house that appears to be in excellent condition:) What sort of survey would discover any nasty surprises? Also, the garden includes a small bit of hillside bordering a road - and because I'm paranoid - I wonder if that might collapse. Would an ordinary surveyor be able to…
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Stamp duty error
Hi, I’m new to the site so hope I’m putting this in the right place! We moved house just over a year ago, and have just received a letter from the solicitor, who did both our house sale and purchase, saying when they sent us a cheque for the remaining balance after the house sale, they miscalculated and never deducted the…
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Tree root in drain
We commissioned a CCTV survey of the drains on the house we are buying on advice of our surveyor (as they went under the house). The drain runs under the house and they found tree roots to be blocking the pipe, to the extent they couldn't finish the survey. This appears to be under the c2m of front garden,rather than the…
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Renovation grant against title help please
We're buying a property that has been stuck on the last enquiry for several weeks now and want to know if anyone else has had experience of this enquiry and how long it took to be satisfied. As per the title, the vendor took a Renovation Grant out from the local council (2010), who then placed an amount against the title…
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Offering on two houses in same estate. Tactics please.
Our home is under offer. Our estate agent is also the agents on new estate. We are interested in two houses on the property. One is listed for £665,000. The other is listed for £635,000. Our first choice is the more expensive & it’s just outside of our budget. It is our hope that the seller will accept 640,000. This is our…
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Flat - Share of Freehold & want to make immediate alterations
Hi all, FTB here. After about 4 months of looking, we got an offer accepted on our 'dream' flat a month ago (I know we aren't supposed to use that terminology). It's full speed ahead for mortgage application, private survey this week, and solicitor currently undertaking searches. The flat is ground floor with garden within…
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Water leak from neighbours property
We own a semi-detached property, with a garage extension on the side. Our neighbour on the non-adjoining side, also has a garage extension. There is a small gap between the garages, and the guttering on his side sits above ours. He has an outdoor tap on the front of the garage, and a pipe runs to the back of his house…
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Homelet credit check query?
Hi. I have searched the forums and seen mixed answers so wanted to see an up to date answer :D I have had a marriage breakdown and now moving from my own home to renting. My estate agent is doing checks through a company called homelet. I have a few defaults on my file and a low credit score. Turning a corner on my…
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Neighbours water leak/ground water pushing wall over
Same neighbour as this post has ground that is a metre above my level due to living on a hill. Behind this wall is a garden tap which I suspect has a leak underground but the neighbours say their water bill "is not unusual". Perhaps it's ground water, but either way over the last year or so, the water is leaking out from…
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Apartment Windows Responsibility
Hi Everyone, I have recently have a few tired windows that I am struggling to keep shut (stuck handle). As it is an apartment (i consider quite a high building), I am just wondering if i am responsible to fix the windows or the managing company ? I have emailed them and it seems that they suggest it is our responsibility…
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Neighbour increasing boundary fence/hedge height
I've lived in my current house for 3 years and don't get on with my neighbour. If I trim any overhanging branches, they are straight round to complain. I recently had some building work done and a dressing room was converted to an ensuite. The dormer window was existing since this part of the house was built in the early…
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Mortgage valuation has under valued
We have offered £268k for the house we are currently buying. NatWest have come back with a valuation of the house at £250k. We have spoken with the vendors and they are willing to go down to £260k, but not any lower. Do we pay £10k over the valuation of the house? Or would we be fools to do so? Any advice?
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equity and shared ownership
I have a shared ownership property and its worth £180000,i own 50% and have £36000 left on the mortgage. Can I apply for equity release as so pay off the mortgage with my share.
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Land Registry - Removing a Restriction
Hello. I am currently remortgaging my property, and the law firm dealing with this on behalf of the bank has come across a restriction The Law firm want to charge me £150 +VAT for a certificate to appease this restriction through the remortgage. This seems to be a standard fee for this type of service. They then want to…
