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Lenders refusing to lend without split title
I'm trying to buy a leasehold property. The vendor-freeholder is splitting their property into two leaseholds. Their solicitor insists that the title will only be split on completion and on the signing of the newly created lease. Santander and NatWest say they will not lend unless a the title is split in advance. We seem…
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How can I avoid paying for an unecessary mundic test?
We are selling our Cornish mid-terraced house and have accepted an offer. The house is mainly granite construction from the early 1800's but it has a kitchen extension that we understand was built in the 1970's or 80's. When we bought the house 8 years ago, we were told by the estate agent that the extension was not built…
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Sellers Solicitors waiting for Land Registry Amendment
We had an offer accepted on 26th April for a house and its now nearly 4 months since the acceptance. Our solicitor has advised that the land registry title is in just the males name where as the contracts sent are in joint name of the male and female. Therefore, our solicitor has said we can't progress until the land…
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Student house contract
Wondering if anyone had any advice? My son was supposed to be heading back to Uni last month and had signed up for a houseshare with 5 other kids. The contract ran from 1st July 21 to July 22 and we had both signed as I was his (jointly severally liable) guarantor, along with the others. In early June, whilst at home, my…
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Pre-exchange viewing
I am close to exchange. My solicitor is drawing up the legal report and all being well we will exchange next week. However there are some outstanding queries from the survey. To speed things up and also to plan for the move, I asked if we could do a second viewing. Initially the seller agreed and a date was booked for the…
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Still waiting for a decision on an indemnity policy!!!!
So our onward purchase is literally hanging by a thread due to either, our buyer’s solicitor not sending the Santander the indemnity policy document or Santander not picking up the document when it was sent. We were all set to exchange last week when suddenly, it came to light that Santander had not received the document.…
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Land Registry Delay
Hi all, I wonder if anyone has the same experience here? I moved house at the end of March but till now still haven't received anything from the solicitor. She's always telling me there's a delay in land registry in registering properties so I couldn't receive any file or surplus funds. But I do have friends who completed…
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Candle soot damage in rental property
Hi, Short lead up, i'm an idiot, and it never occured to me that candles can seriously damage walls. I got into yankee candles during lockdowns. Walls are in real bad shape and i'm moving out. I didn't fully realize this until I started cleaning, and noticed that the walls were darker. Trying to clean it made it…
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Land registry scam
I recently had an email purportedly from the land registry with the heading " application rejected" I am in the process of selling and buying a property. The letter seemed very genuine with a attachment. I couldnt open the attachment and was told I needed Adobe with a 1 month free trial but of course they needed card…
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Completion issues
Hi all, I’m hoping someone can help before I feel like Im losing my mind over the whole house buying process! We had an offer accepted in March this year (FTB), all our legal work was completed end of may. We put forward a completion date of mid June believing that everyone in the chain was wanting to be out before the end…
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Buying a house at auction
Not the first clue about doing this but saw a property today that we would be interested in. Any advice on where to start please?
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House builder is dodgy!!
Hi. I have a situation and am after the power of MSE forums to guide me. We bought a house 4 years ago, it’s 7 years old. We bought it from the people who bought it from new. This week we discovered the developer plumbed the kitchen sink into a rain water soak away!! That soak away is now totally clogged with grease and…
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Short term let options
We've sold our house, the buyer is ready to complete, she's sold and staying at her daughter's. We've had an offer accepted on another house but they can't find anywhere. They are looking in one village for +5 bed house where houses don't often come up, the same village we are buying. They've letter dropped all of the…
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Linked detached house
Need some clarification on a house were thinking of buying. It's described as linked detached and i looked at the definition to see the difference between this and a semi detached but still not clear. The house was attached to next door by garage and upstairs bedroom but then had an extension so fully attached from front…
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Freehold house leasehold garden
I bought my current property 2 1/2 years ago thinking that this was freehold. I am now in the process of selling and I have fpund out that the garden at the back of the property is leasehold with only 44 years left on the leasehold. The property is freehold. The buyers solicitors are in the process of determining whether…
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Insolvency Indemnity Policy
Our solicitor contacted us today to say that our buyer's solicitors have requested an indemnity policy for insolvency, approx £100. They said the money would come from the sale of our property. Actually getting our sale moving has been a grind, so I said we would pay to keep things moving. I did ask for clarification about…
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Purchasing a holiday home for let
Hi My wife and I will soon be receiving a large sum of money. We had considered purchasing a flat close to us and renting that, but advice we received on that thread made us think it wasnt such a good idea. We are now considering if we could purchase a holiday home e.g. caravan, cabin, that we could purchase, and…
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Right to give 4 weeks notice
Wasn't sure how to title this. In the process of buying a house. 2 weeks ago our solicitor submitted enquires, at no point has a completion date been suggested. Today I emailed to ask because we are in rented, we had a 6 months fixed term tenancy that ended on 7/2/21, we signed no new contracts because we were looking to…
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Landlord of our short term rental selling to our neighbours who are now stressing me out
I’ve been on the Waiting to Exchange thread since March this
year when I put my property up for sale. Sold in
June and moved into a rental flat with DP & DC whilst we wait to purchase a
new property. We signed a 12 month tenancy with a 6 month break clause as I hope
we will have bought our new house by December. We had an…
