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Help! Which Land Registry Form to Use?
My partner and I separated last year. I have continued to live in the property we shared and although only his name is on the title deeds, I have contributed a large lump sum to the property when we had building work done. When we separated, we had a Declaration of Trust drawn up that confirms my beneficial interest in the…
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Should I wait to sell?
I have a leasehold first floor maisonette which has a ground rent of £100 a year. The service charges though have increased though from £250 a year to £500. There are 88 years left on the lease. I am thinking of selling. Should I sell now though while prices are quite high in our area or wait till the leasehold reforms…
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Neighbour redrawn their boundary
Hello, It appears that the neighbour of which we share a boundary with has ‘carefully’ positioned their end of wall and paint work to coincide with where they think their boundary is. Fair enough… BUT On further inspection and highlighted by a workman that there are cracks in the house wall close to the boundary between…
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Can a builder refuse to sell on the basis of my mortgage provider?
I am a first time buyer trying to buy a new build through a part ownership scheme. I have passed all the vendor's affordability checks, been approved by the government and have an AIP. The problem is the builders are now telling me they don't accept my mortgage provider. Now call me naieve here but I thought everyone…
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Solicitor recommended by Mortgage Advisor?
A question from a FTB - is there any conflict of interest involved when taking a solicitor recommended by the mortgage advisor? It seems like it might make things move faster if they have a good working relationship (the quote is more or less the same or slightly lower than what I found independently)? Or am I missing…
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Choosing solicitors, relocation from England to Scotland
I'm planning to relocate from London up to Scotland this summer and would like some tips/advice on selecting solicitors. The one we used when purchasing our current house was 20 years ago, can't even recall where we found them, though they are still in business. * I notice that in Scotland often estate agents provide their…
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Help to Buy Equity Loan - Online Conveyancing
Can anybody recommend a cheap/good value online conveyancer? We are about to pay off our help to buy equity loan in the next 3 months, but given it should be a simple transaction (We aren't selling the house at this point) and we have 3 months in which to do it, looking for a cheap solicitor if possible!
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MSE News: Rental evictions to restart in England next month
The current ban in England on bailiff-enforced rental evictions, which was introduced at the start of the coronavirus pandemic, won't be extended further and will end on 31 May, the Government has announced... Read the full story: 'Rental evictions to restart in England next month - and landlords will be able to give less…
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How many viewings to expect?
We went on the market yesterday! Exciting times but was wondering how many viewings we should expect to see being booked if the marketing is on point and property priced fairly? I guess the answers might be anecdotal but would give us an idea. It is 2 bedroom end terrace with garden, on street parking, in market town in…
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How to Buy Bigger
Hello, I currently own my house outright and I'm looking to up size, but I'm struggling to borrow enough. The house I want to buy is £600k and I should have about 40% for a deposit. However, I'm only being offered £140k on an online mortgage calculator. So about £200k short. I have no loans, credit cards or debt. I will be…
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Sold house still on rightmove
I completed on my house sale at the end of January, we are now in May and my house still shows on rightmove as sold stc Seems strange the EA would still be paying for the listing 4 months following completion. Is this a promotional tactic e.g. to show off their sold houses? I know this is a bit of a non thread but I can't…
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Purchase property from care home?
Hi there, I hope you can help. I am looking to buy a house that I saw was derelict, not up for sale. A neighbour had told me that the proprietor had unfortunately passed away and they think there was a charge put on the house by the care home he went into. With all things considered and being sensitive to the matter, would…
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New build ready sooner?
Hi everyone We are currently waiting to exchange in a chain where our vendor is buying a new build. She has been told by the builders that her home should be ready 'end of July/early August' but currently they can't be more specific than that. What are the chances of this being brought forward and them finishing earlier?…
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Helping adult child buy first home
My husband and I are planning to help our adult son buy his first home (and move out of the family home!). We live in a very expensive part of the UK and it is impossible for him to do this without our help. This is the plan we have come up with:- * We shall provide the full amount needed to purchase a 2 bed flat, which…
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Have you succeeded to buy a property with Connells or alike without using their mortgage services?
I am an FTB and I have put an offer on a property advertised by Connells. I have an AIP through a broker, but they would not take my offer without making an appointment with their mortgage advisor, so I agreed to it. The practices employed EAs to twist buyers into using their services were discussed here on few different…
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Limited Title Guarantee
Dear forum, We are currently in process of buying a property and have been presented with the contract and transfer documents. They say "Limited Title Guarantee", is this a problem? What options do we have? Is it advisable to buy a property with Limited Title Guarantee? TIA.
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Mortgages and interest free credit cards
Hello, So I am a first time buyer hopefully looking to get on the ladder before September. My credit score is 986 so near perfect, I have no credit card debt but my question is... My 0% cc has now come to an end, and it's always nice to have the option of 0%, so I am wondering if applying for another now will be…
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... A tale of cats, nuisance and shared ownership...
Hi all, first thread here. Hope you're all good. So, quick (turned out not really quick) backstory. My wife and myself bought a shared ownership back in March. The lease clearly states "no pets allowed" but as soon as we moved in the building manager sent us a pet certificate request. We filled it in and it got approved in…
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Crap solicitor can I change?
So we are in a short chain of 5 but our solicitor is so slow!! For example it took her 5 weeks to respond to our buyers’ solicitors queries even though we responded to them the same day. can I change solicitors within the same firm without incurring extra cost?
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Cavity wall Insulation Guarantee - Seller not providing original but copy + No Fensa certificate
1. We are buying a house but our solicitor has informed that the Building
regulations Reference
had Date Received of 2009 but No Decision to Date. We have a copy of certificate, but when we requested the original on completion but we were informed it won’t be provided. Is this a cause for concern? 2. Our solicitor has…
