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No planning permission/approval
We are in the process of buying a property with a kitchen extension. Looks like it was done 10+ years ago and no planning permission/approval granted. What does this mean for us in terms of going ahead with the purchase?
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FTB advice
https://www.rightmove.co.uk/properties/102121682#/ I put an offer of 144k on this property. It is liveable but it needs a new kitchen and the management company that look after the property does a questionable job. There are other parties interested apparently and the vendor wants 160k. They bought it for 130k in April…
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Installing heating in a flat
I am moving into an older building on the third floor, where there is a 3 bedroom flat. At the moment there are three old 80s type gas heaters fitted installed, two don't work but one dose not. I would like to replace then and install more modern heating in the flat but I am unsure how and what to go with. Should I replace…
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URGENT HELP WITH STAMP DUTY VS. ENHANCED STAMP DUTY ISSUE
Hi Martin and Team, We're in need of your help; my partner and I are buying out first home together (in London) for £495,000. We currently live in rented accommodation. My partner has never owned or had an interest in any other property. I bought a small flat for £82,500 back in 2017 which has tenants and is on a…
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Removing Conservatory Cost
Following on from my post yesterday about a nightmare conservatory, we are trying to get an idea of what it might cost to demolish it (because of cracks as incorrect construction methods by original vendor) and make good the brickwork and lay a patio where the footprint stood. I have attached an image of the conservatory…
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Home Survey findings
Hi we received survey for a property we are in the process of buying. It came up essential work to be carried out as: garage roof is covered with sheets of asbestos - no major defects: is this something we should obtain an estimate for removal as stated in survey. Damp to internal walls particularly in kitchen (kitchen has…
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Council Housing - Staying after tenant dies
A bit of a complex situation with council housing in my family and wondering where to start looking for advice. It is complicated by the family dynamics (one partner is financially abusive) so the obvious solutions of checking the tenancy agreement would be very difficult. The main tenant (my uncle) has been living in his…
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Applying for council housing (household income)
When the council ask what your ‘household income’ is, how is this defined? Is it just your own income, or that of the people you live with? (I.e Parents)
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Do we retract our offer?
Hello. Just looking for a bit of perspective on our current situation. Our purchase fell through just before Christmas. Long story short, it was a second home and the seller didn’t need to sell and decide to pull out. We’ve continued with our sale and we complete on Friday. We’ll be moving into rental accommodation…
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Survey - quotes for wall-tie survey/replacements and lintel replacements
We are in the process of buying a house and had a RICS homebuyer report done which we got back last week. The survey raised a few issues I would like some advice on if anyone can help: The first issue was that the external walls show some signs of cracking and bulging in places and indicates wall-tie deterioration (common…
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Can i get back 10% deposit from my solicitor
I am in the process of buying a house. All searches and enquires are done and my solicitor inform me that the seller has agreed to complete the transaction at the end of this month and ask me to transfer them 10% (50,000 pounds) deposit to prepare for the contract exchange. I have transferred the money to them but my…
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Advice on mortgage
Hi all. currently saving to buy mine and my wifes first home. My credit score is a lot better than hers, she had been in financial difficulties in the past with a few defaults (all of which are now settled and paid in full but of course they still appear on her credit report as they were around 2-3 years ago. I fully…
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Section 21 notice and negotiating a break clause
been renting a house for almost two years. My lease expires April 1. I'm planning to buy a house between now and October but the landlord wants me to sign a new year long lease and will only offer a break clause with a variety of limitations--no breaking between November and February, two months notice to vacate. Those two…
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Keeping pets in a leasehold flat
Hi, I'm looking at buying a flat, not as an investment but with a residential mortgage so I could live in it with my family. Something I want to know is would I be able to freely keep pets in it? I mean a dog or a cat, maybe fishes also, no big, loud, aggressive dogs, nothing extraordinary. Should I obtain a written…
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Local authority ignoring roof failure
Thanks in advance for your assistance. We are desperate now and this has added a lot of stress on top of the lockdown and pandemic. We are leaseholders of a former local authority flat. The block is a local authority one, the local council are the freeholders/landlords. A year ago to this day, we started noticing…
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buying process question
Good morning started my selling process before christmas just before the solicitors shut down for two weeks. received the client care pack and ta6 etc to fill out very quickly, in effect about five working days after instruction. buyers surveys have been done as well as mortgage valuation. fast forward a couple of weeks…
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Stamp duty surcharge or no surcharge? Share in inherited property prior to buying
Hi all, I am here in hope that someone who had perhaps found
theirself in a similar situation to mine would be able to help me understand
where I stand regarding stamp duty. I am currently renting a flat not too far from London and I
am looking to buy a house as my main residence. The problem is that I have
inherited some…
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Telling mortgage lender about a lower renegotiated price
How does this work? Do we or the conveyancer initiate it? Also, is the reduction automatically taken off the borrowing amount or can you split it between deposit and loan amount?
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Lease Extention
I recently got my flat valued with the intention to sell and was advised to get lease extended before the was less than 80 years left. I didn’t realise that I only have 79 years left. The difference in purchasing the lease with only 79 years on rather than 80 years is around £10K. I Have heard laws are changing to get rid…
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Added extension to property - didn't know we had to tell the company who collect 'chief rent'
I’m not sure where to start here – I feel very foolish and
naïve. We live in an old property and we
pay £2.25 twice a year for ‘chief rent’ to a property management company. We’ve always had the option to ‘buy out /
redeem’ the ‘chief rent’ but never did – I don’t really know why. A few years ago we had a single…
