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Do I have to pay stamp duty for owning a property 2 years ago
Hi all I’m about to begin proceedings to buy a house with my partner. He is a first time buyer, but I owned a house with my ex (bought august 2018 and sold July 2020). Neither of us own properties now, and our broker mentioned we would likely have to pay stamp duty as I’m not a FTB. However on gov.uk it says this:…
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Restriction and Land Registry Question
Yikes Can anyone advise I've just seen on the Land Registry board that it's taken 3 to 4 months to remove a restriction. I was hoping to do a transfer of equity from joint to single very soon and there are 2 restrictions pertaining to the other person that are to be paid to allow the transfer to happen . I'm now worried if…
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Fees when buying a house
I'm in the early stages of saving for a house. I'll be a first time buyer and not really given this much thought till now. What fees do I need to pay and can anyone give me a rough idea of how much they may be? I want to make sure that once I am in a position to get a mortgage then I have money put aside for everything I…
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Council tax Court Codes
Could someone please explain to me, in layman's terms, what the court codes mean* V - Valuation Tribunal determination * C - Valuation Tribunal confirmation One house I'm looking at is Band C with affect from April 1993, with a court code V. When I view the previous bands it says D, but with no dates
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Renting a flat with a dog when the lease does not permit pets
Hello, I live in a block of flats and have had a letter put through my door which says following a recent meeting of the directors please see points relating to the block for your info. One of the points says: In line with the terms of the lease, residents are not permitted to keep pets. Owners please ensure tenants are…
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Survey making me nervous
I am in the process of buying a house which is 160 years old. I live in an old property so understand there will be issues. However I’m a single buyer not a wealthy women so I’m worried about taking on a money pit ! Issues of concerns 1. Smell of gas in roof void might be a leak do I ask vendor to inspect ? 2.There has…
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Freehold purchase not registered at land registry
Hi, I hope someone can shed light on my situation. In 1981 my father in law purchased the freehold of his home. It was a massive thing for him to do & he was very proud to have done this. Fast forward to today, we lost my father in law to covid & the property was put on the market. We found out with the solicitors that it…
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My obsession with not buying in UK - Prove me wrong
I know it's provocative, all over again here :D , but here it is, I'm convinced that buying is worst here if the current prices will be maintained over time (as well the increase considering the last 10y), so this is the assumption of this post, now let's break it down. House cost: 350k Interests: 350 * 1.3 = 105k (it may…
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Just found out that buyer's buyer has no deposit .. what now?
So the property was offered on in late Oct 2021 and we are only now at the point of exchange, which we are having to push for! Completion is in about 3 weeks time and the bottom of the 3-part chain was pushing for exchange and completion on one day. We said no - exchange ASAP please with completion when they requested.…
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Guarantee on boiler controls in a new build
We moved into a new house exactly one year and two days ago. We are still getting to grips with the underfloor heating but upstairs we have traditional radiators and a thermostat. Last night the rads stayed hot despite turning the stat right down and later turning off upstairs heating on the control box. The developer…
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Trying to buy a house that’s deeds have been destroyed..
I was wondering if anyone could give input if they had a similar experience..we are trying to purchase an end semi detached house in a residential area, we are buying off people we know. The deeds of the house were destroyed in the Bradford and bingley fire in 1998 and the house isn’t registered with land registry. The…
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Buyer’s remorse and when to stop looking
Had an offer accepted 3weeks ago, 5% over asking, which felt in line with the market (based on offers I had rejected). Now mortgage offer received and waiting for a survey. It feels like in the past two weeks house have come up that are a similar price, or up to 4% more, that are much bigger (an extra room and back…
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Is it worth selling my home to the council?
I live in an EX-council house and looking for a buyer without a chain. It’s in a desirable area, very very close to schools, on a bus route, etc. should I expect to be offered minimal money ? Or will they offer market value?
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Loft extension and roof maintenance responsibility
My solicitor assured me the loft space and roof are demised to my property so I can carry out a loft extension with the permission of the freeholder (in this case co-freeholder as we are in a share of freehold situation). Here's the lease wording: "such demise to include one half part in depth of the joists between the…
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Conveyancing process
Hello In this minefield for FTBs could I just ask When all searches come back OK What is the next process a sellers solicitor does ? TIA
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Should I let buyer know solicitor is not responding?
So I got an offer on my house about 4 weeks ago, and the buyer is really good at letting me know what's going on, mortgage offer received, searches ordered and due back early next week. My solicitor sent the draft contracts and property info form etc 2 weeks ago, and emailed a few days ago chasing a response asking if she…
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Level 2 or Level 3 survey?
We're finally proceeding with the purchase of our first home (after two months of the seller struggling to find a new place, suddenly the entire chain was in place within 24 hours of them putting their offer in :smile: ) Now that things can actually get moving (they weren't keen on us doing anything beforehand), we want to…
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What kind of survey to get
Had an offer accepted today on a circa 1930 3 bed semi detatched. On viewing there was nothing that stood out although some of the decor was quite dated, current lady has lived there for around 7 years and from what i can see from previous rightmove advert hasnt really changed anything. The only addition seemed to be a…
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Deposit
Hi everyone we rented this house for three years. Handed keys back on 23rd Feb the day our tenancy ended. I've been chasing for my deposit since. The estate agent sent a check out email. Jesus, you should have seen the comments. As example there was a photo and comment about a finger print on the letter box 😂 last week got…
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Gazundering
House on the market Nov 2021, accepted an offer £4000 under asking as had seen a house we wanted to offer on. Offered on our purchase a week later and accepted. Solicitors instructed and survey ordered for our purchase. Complete chain of our buyer (in rental) - us - our purchase (deceased estate and already has probate).…
