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House buying, renting & selling

Archives for January 2022

Renting - Can't access communal garden
I started renting from a housing association recently and when I viewed the property and on key handover day I was told the rear garden was a communal one for all 10 tenants to share. However unless you live on the ground floor you can't access it due to the bolts on the gate. Does anyone else have this issue? The…
AGM motion vote and count
I want to put forward a motion in our AGM, but in a way that doesn't stimulate much negativity.I am thinking of putting it like "does anyone object X?". Usually in our AGM we have a presence of about 60% of the shareholders. Should we consider the following 40% that didn't attend as non-negative i.e positive votes, given…
revising offer after survey
Hi all. FTB here trying to navigate the nightmare that is London buying! Had made an offer on a flat which was on market for some time - previous buyer pulled out apparently due to not being able to get a mortgage. EA quite pushy with trying to rush through the sale but ironically vendor a bit intransigent in relation to…
Valuation
Hi All, I have mortgage offer received from Halifax base on property price 230,000. we are at inquiry stage , solicitor have asked for my home-buyer survey report. Which i gave them. According to home buy surveyor , property is only worth 220,000. Solicitors said , they are obliged to inform this discrepancy to lender.…
Section 1 Boundary information on Property Information Form TA6 query
Hi All, Section 1 of the form requires me, as the seller, to identify who is responsible for maintaining and repairing boundary features. All boundary walls are party walls and so does this mean I should select 'Shared'? The other options are 'Seller', 'Neighbour' or 'Not known'. Thanks in advance!
Apply now or later?
I am selling my house but my buyer did not get approved for the mortgage .We have given a deadline to get an offer in with another lender but failing that I will remortgage my property and rent it out to break the chain. The question I have is, do I apply for this remortgage BTL now so it is in place ready if/when he does…
Stamp duty headache!! Help!!
Hi there I'm having a real headache with stamp duty. I am recently divorced. I am trying to transfer the marital home into my name along with my partner and remove my ex husband. He's on board with this so should have been a simple thing to do! There is a query on stamp duty. If the house was being transfered to me solely…
Please delete - thread duplication
Please delete - thread duplication
International movers - No I don't want you to call me
Why is it so impossible to get a quote online without giving over all your contact details including phone number? This is for international movers but frankly is applies for anything nowadays.. The say "online quote calculator" but you have to give all your details to receive the results! Just approximate costs would be…
The Damage Bamboo Plants Can cause
Was amazed by this article.., yep it was in the DM but there are pictures, its not a false made up story. The mass of rhizomes is much bigger than I'd have thought possible - under the house.https://www.dailymail.co.uk/news/article-10457923/How-neighbours-bamboo-caused-100k-damage-inside-home-shoots-burst-walls.html Be…
uk tax question when 2 properties
hi quick question ive had a rental property for a few years but just bought a second at end of last year but it needs a bit of work done to it my question is if house A gives 6k rent and house B gives zero rent and i spend 4k fixing it up do i just pay tax on the 2k difference ? Im living in a third property btw
Boxing up pipework
Whats the law/policy on pipework in a tenanted house. Theres piperwork from under the boiler does this have to be boxed up.
Oven fumes from neighbours
I rent a victorian flat and since new neighbours moved in to the flat below, I've been experience strong oven fumes permiating through the floor boards. This isn't the smell of food or ingredients being cooked, but the byproduct of gasses/fumes coming from the oven. The fumes lurk in the flat for a few hours, and in worst…
Rights to a house when you’re not on the mortgage
Hi, I’m just wondering if anyone can help with a legal question. My partner of 7 years (fiancé for last 3 years) has abruptly without warning told me he wants to end relationship. We rented initially and then looked for a house to buy, but as I was newly self employed I couldn’t go on mortgage and at the time I had to sign…
Angry buyer who I declined turned up at my house
Hi. I'm selling a house for the first time, and I encountered an odd situation. I had multiple offers on my property and one of them has kicked up a right stink, that has me feeling worried. It was a guy in his 20's who's buying an investment property. Chain of events below: * He said he was a residential buyer with 20%…
Complicated situation!
First of all thank you for helping! So we currently own a property it is where we live. We would like to move house, however the market is moving so fast, it is proving difficult to have a buyer for our house, and then find somewhere and have an offer accepted (did this, and then our buyer dropped out as they weren’t…
Asking price offer
Hi There, Friday lunchtime we offered the asking price on a house. We didn’t hear anything Friday, so yesterday I called the agents for an update and they said the seller hasn’t got back to them to accept the offer. As we’ve offered the full asking I am confused with what the hold up is, I am guessing they’re waiting for…
Valuation of late mother's property for probate
I arranged 2 estate agents to view the property this week. The first looked around, asked since questions about the property, said he would email me a valuation, and gave some advice about marketing the property when the time came. The 2nd was taking measurements, has already signed me up to their sellers portal, passed my…
Update on This crack looks ominous....😳 lender has commented "evidence of movement"
I'm buying this house and viewed it again and noticed this big crack on the stairs/landing. There's 2 of them that are very long/high. I'm now thinking I need to upgrade my home buyers survey to a structural one. Agreed? I hope this isn't anything too serious, any thoughts?
Getting a mortgage with marker on fraud database.
I’m wondering if anyone can help… At the beginning of last year (2021) I began the process of buying a house through who I thought was a broker, recommended by a couple of friends- who have both used and completed through. At first I didn’t think much of what was going on, he got me a DIP with Nationwide but then further…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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House buying, renting & selling

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