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For how long could you live with the decor?
I caught the tail end of a tv programme today. The discussion was about the fixtures, fittings and decor inherited when purchasing a new home. Mention was made of a bathroom which had an avocado suite and matching green carpet. I had to laugh because not only did I inherit the same but the walls were also green and…
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Restrictive Covenants - Tarmac/pave driveway
Hi, we have recently moved into a new build plot which currently has a 1 car drive and a small grass garden next to it. We’d like to tarmac/pave the grass area so we could park two cars. Below are the covenants in the land registry. 4.3 Parking:(a) During the Development Period not to park any commercial vehicle caravan…
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No ground rent receipt
Hi, could anyone offer me some advice? I am close to completing on the sale of my house. My buyers solicitor is now asking for a receipt for my last ground rent payment, but I don't have one, just a copy of the cheque I sent to pay it and a copy of the rent demand. Where do I go from here? ThanksSue
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Worried about house survey - leak and damp
I'm buying a lovely little house in a nice area, first time buyer. However I've just had the HomeBuyer's Report back and it says - "There is evidence of leaking in the roof which is damaging the roof structure. It needs to be investigated and get repaired urgently". It also mentions that the party wall is not sealed which…
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'QUICK MARCH'
What would happen if nationally ALL people in fire risk buildings suspended their mortgage, service charge and insurance payments, as from March? Surely this would bring everything very quickly to a head, regarding any resolution of the on going Grenfell Tower saga? Whilst no one other than the people living in these…
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Queries With Land Registry - Rough Timeframe?
I'm in the process of purchasing a property. Everything has been going through quite well and we're close to the point of exchanging contract - we're just waiting on one thing. For some reason there is a small patch of land in the garden (only about 1-2 metres-squared) which is unregistered. Looking back at the previously…
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Leasehold garden dilemma - what's our next step?
A relative is selling a really nice flat and we're keen to buy - our only issue is around the garden... The flat is one of four in a building - according to the lease the front garden is divided between "ours" and another, the back garden is divided between the four, but there are no fences or other divisions. If we go…
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My friend is being evicted
Hi looking for some advice. My friend lives in a council house with her mum and sisters. Her mum has abandoned her and one of her sisters and moved up north to be closer to a man. She literally went to visit for a week then two weeks then her younger sister was enrolled in school and then she suddenly had a flat. My friend…
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Early vacation rental
My landlord has triggered a break clause in the tenancy agreement, giving me 2 month's notice. I've found another property that I want to move to sooner rather than later and the new landlord would also prefer that, in fact they won't hold the property until the existing notice period is up. I've asked the current landlord…
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Rent-a-room relief
We have an outbuilding in our garden which was converted to be used as a 1 bedroom overflow for our 2 besdroom house. We listed on AirBnB and it has worked well (before Covid). I understand rent-a-room relief is available for £7500 and this would be split jointly. However will it matter that the room (and bathroom) is not…
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House buying during Covid
Hello I’m looking for ideas on timescales on buying a house during covid. How long has the mortgage taken? Surveyor to come and the valuation. Is anyone currently in the process or just finished and could advise? I’ve heard there is back log and surveyors/valuations are taking 4/5 months but my friend has advised her owns…
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Offer to buy the Leasehold
Good afternoon, Apologies if this has been asked before but I cant get my head around leasehold/ground rents etc. My mums, who's 84 and lives in a flat, received a letter recently from the landlords solicitor offering to sell the Leasehold. There's 23 flats in total and the cost is £62500 ( I think this is the total cost,…
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Would I need to pay enhanced stamp duty?
I will try and keep this short.... We have a conservatory with cracks in either end due to indaequate foundations and incorrect construction methods (previous vendor). We claimed on our insurance for a modest amount (£15k) for dealing with the issue. This was probably naive of us given the works involved. Fast forward to…
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It appears nobody can access the account that our service charge goes into...
Husband owns a flat, in a converted villa. There are six flats. They pay ground rent to an external company, and then a monthly service charge to a Committee account. I've lived here with him for four years, and the Committee has never met. Apparently, an old owner used to be the Treasurer, and look after maintenance and…
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I want to rent a room out in my house - where do I start??
I've read gov guidelines however the jargon overwhelms me, licensee, tenancy, lodger etc. If I just want to rent a room out in my house, what do I need to do to fully follow the rules. Would it be a tenancy? And what would I need to make sure is in place so everyones covered?
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Owners Association Loop Hole
I own a flat in a development which 70% of the leaseholders are Foreign investors from Asia. Trying to create an Owners Association seems an impossible task. The Current Owners Association is entitle to request the management to send a correspondence to all leaseholders to join the OA. Apparently they did but did not…
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Help to Buy Equity Loan Repayments
I can't seem to get this information clearly anywhere, but how much do you actually pay back on the equity loan per month/annum? Particularly, in the first 5 years. From experience, or maybe you can decipher this information better than me. For example, if the property is £350K / EL: 70K what would that look like each…
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Shorter time between exchange and completion
I am a FTB at the bottom of a chain of 3. A month ago I was phoned saying that the chain was ready to complete by the following Wednesday. It was a Friday the week before, but the solicitor said they were confident they could get the money from the lender in time. We talked it through and decided to request the Wednesday…
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Buyers Solicitor - lease is defective
Looking for some guidance on the way forward. I was due to exchange last week, buyer's solicitor drop the ball and re-raised an issue from 3 months ago, which is a showstopper in their mind Their Point of view is that the lease on my flat is defective. This issues is that the company that the "building" is part of which I…
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My seller pulled out the night before completion and six years on I am trying to rescind contract
I don;t know if anybody can help me but in a nutshell the chap that was selling me his house pulled out the night before completion. Six years later and after trying to get the Official Solicitor and Public Trustee to represent him (they won;t unless I pay the seller's costs), I now need to rescind the contract. Has…
