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What constitutes owning a second home?
So we'll be moving to a new house without, quite, selling the old. Meaning we'll fall foul of the second home SLDT. At the point we sell the original house (sale currently going through - fingers crossed) we'd then look to claw back this, not insignificant, payment back. However a few years ago, on the death of a parent,…
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Neighbour complained because ball rolled on his grass
Hi. Not sure if this is the right place to ask this. We bought a ground floor maisonette a few months ago. Everyone’s really friendly and welcoming except today. My daughter and I were kicking a ball back and forth in our front garden which is just a patch of grass. We’re not allowed to erect a fence as per the lease. The…
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Rental house in a mess when moved in.
My daughter is in a student house share and the place was in a complete mess when they moved in, as well as genuinely unsafe. The electrics were dodgy with plug sockets so close to the floor as to be impossible to plug anything in safely. The main doors had previous break-in damage and would not lock securely. There was…
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Recent updates on leasehold reforms on existing leasehold houses?
Hi guys, have there been any recent updates on leasehold reforms over the last month or two for existing leaseholds on houses? Thanks
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Renegotiating after survey
Hi, I'm after some advice after a Level 3 survey- said the property is in 'poor condition' and needing lots of work- number 3's incl rising damp/ inadequate under floor ventilation, collapsing around kitchen sink, roof, removal/ rebuilding of lean to and more. Sounds like ££s++ and work significantly above what I was…
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Grown up children are exclusive occupants of husband's house rent free
I have just married my husband and he now lives with me in my house. His grown up children now occupy his house exclusively rent free, his daughter also has her boyfriend living with her. This is to enable them to save up for a deposit on a house of their own, rather than pay out rent to private landlords. They have…
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Alley way behind house - trees damaging my property
At the back of my garden, outside my fence are two large trees which roots has caused damaged to the garage, concrete, fence and lower part of the garden, as well as, stopping access to my garage. I have checked the plans on my deeds and that of my opposite neighbour. My deeds show my property line is to my fence. My…
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Mortgages and credit cards
Hi all, Wasn's sure whether this should go into mortgages or credit cards so mods, feel free to move if needed. We had some debts in the past but have been debt free for a while. Our mortgage renews early 2022 and we are looking at looking to move house towards the end of the 2022. Although I will be in contact with my…
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Asked by letting agents for 3 bank statements to show proof of income
Would you give them redacted bank statements. Wage slips haven't been asked for. As long as they can see income and address on the statements, would that be unreasonable?
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Selling my residence to a limited company (avoid stamp duty?)
Hi, If I were to sell my current residence (worth 240k) to a newly formed limited company in my name and then buy a new residential home (worth 350k) will I still pay the 3% additional stamp duty
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Lower ground floor flat
Interested in a lower ground floor flat. On a main road but the ground floor is behind a estate agent hopefully the traffic will less audible. It has also a Chinese takeaway nextdoor Not sure whether smell will be a problem.It is a lovely flat. With lower ground floor what are the disadvantages apart from damp issue ?…
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Does second home stamp duty apply when buying my first main residence? Own a buy-to-let already.
Hi everyone, I'm wondering if I/we will have to pay 2nd home stamp duty when buying my first residential property please. Since 2016 my fiance and I have stepping-stoned towards a full residential mortgage in the following way:- I bought a buy-to-let mortgage flat and rented it out in a cheaper city, whilst living in…
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95% loan-to-value mortgage whilst on another deed
Hello, I'm looking to buy my first home and make the most of the 95% loan-to-value mortgage with my partner. But the issue preventing me from doing so is that my girlfriend had owned a house with her ex, and still remained on the deeds. They've applied to have her taken off, but six months later the Land Registry still…
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Mail redirection - best done before or after completion?
Hello, we have finally exchanged with a completion date 10 days away. I'm going through a list of things to do like mail redirection, cancelling council tax etc Should I order mail redirection now or wait until completion in case something goes wrong? Is it prudent to be 100% sure the move is happening before redirecting…
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LIFT scheme (Scotland) Government shared equity scheme question
Hi I was wondering if anyone has any experience of using the lift or similar scheme and has any negative or positive feedback regarding it? I have read throught the general info but looking for any personal experience of it. Thanks
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Property possibly without Title Deeds
Hi Just a quick question, if an advertised property, on Rightmove by estate agent, Title Deeds cannot be found at Land Registry, what are the implications of buying such property? It may imply the property: . Has not been registered at Land Registry . Manual error of Land Registry due to age of property (reckon 1920s…
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Service strip fencing
My neighbours just had an extension built and put a new fence up. The fence does not show in the planning application. Original layout here Now here’s photo with the new fence Plan that was approved . Does anyone think this is correct that they can put a fence where shrubs should be r
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Doing work before/after moving in
For the least disruption I was really hoping to get some jobs done like remove old carpet, restore floors before the furniture (beds wardrobes etc) is in the room, and also add stud wall, plumbing etc from adjacent bathroom for small shower room before we move in. I’ve booked in for some quotes but I realise as time gets…
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Level 2 vs Level 3 Survey
I am in the process of buying a roughly 1980 house which need updating, on plain inspection by myself (by untrained eye ) house looks structurally fine just need modernisation. Does level 3 survey justifies the cost ?
