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AML payments
I recently saw this on an estate agent listing - can't remember having to pay this when I brought and sold about 3 years ago? Aml Procedure - To comply with anti-money laundering regulations (AML) all estate agents must be registered with HMRC. Gowland White complies with this legislation by using an online AML risk…
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How much should I budget for removal costs with packing service?
Does anyone have any recent real example costs for moves by well established national removal firms (e.g. Pickfords) with a full packing service and insurance please? We may downsize / relocate to 3 bed in a city 40 miles away in NE England. Just two people and we do not have a huge amount of stuff (e.g. one bed, no…
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LPL Conveyancers Due to exchange but file 'to be signed off'
Im on tenterhook today, my exchange is imminent but my FTB in the chain have their file 'with the compliance team for final sign off' god knows how long that takes? Anyone got any clue? AI seems to think 7-10 working days which will be the end of me if it is! Everything is ready, funds received etc. Just no idea how long a…
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Stamp Duty on a House Bought by an Unmarried Couple (our only property)
Hi. I'm trying to calculate the stamp duty on various properties my partner and I are looking at. The official government calculator can be found here: https://www.tax.service.gov.uk/calculate-stamp-duty-land-tax/ ..but I'm finding one of the questions really unclear and I'd really appreciate someone who knows this better…
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Harassment and Unlawful Entry by Housing Employee
Hi, I’m looking for some legal guidance regarding my housing association. I’ve been decanted for around two months due to repair works following a leak and water damage to my bedroom wall and ceiling that originally occurred in 2022. The issue only reached stage two of the complaints process in 2024, and works have only…
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Renters rights act /section 8 notice
Hi , apoligies if this has been covered before ,but trying to get clarification on the section 8 notice period : obviously we have RRA coming imminently . we have a tenant in a property on one year which ends in theory on 1 feb -2027. under RRA that falls away and goes to 'rolling '.Fine . we genuinely wish to sell the…
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Looking for advice on a sewer easement and extensive garden works on a house we’re buying
Hi. Sorry for the long post. We’re in the process of buying a property built in 2007, and we’ve run into several issues with the rear garden. The garden is very large (around 30 metres wide) and sits on a natural slope. At the time the house was built, a wooden crib retaining wall was installed at the bottom of the garden…
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Selling - Can;t get Building Control Certificate for old works (>10 years)
Hi Everyone, A few different moving parts here so very grateful for any suggestions / out of the box ideas. We're selling our house - conveyancing has thrown up we didn't get a BC completion certificate for an extension we did 11 years ago (dunno why - we simply forgot to chase up). Lacking a certificate, it turns out it…
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Please help
Can any one tell me if the fence at the back is mine ,I own everything in red ,but it's staggered red at the back ,thankyou
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Desperate for help w. land registry / boundary issue delaying sale
Hi all, We are currently in the late stages of selling our house. Several months ago our buyers flagged a boundary discrepancy on our title plan. It shows that our boundary is encroaching into the neighbours garden, as well as partly through their house (we're end of terrace). The actual shape of the boundary is correct,…
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Claim refund on additional SDLT on second home after selling first home
Does anyone have experience in claiming refund for the additional stamp duty in this scenario? We are living in Property A. Mortgage is solely under my name. It is residential mortgage which requires me to use it as my main residence. We want to buy property B, which will trigger the 5% additional SDLT. With our joint…
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Buying a house that has no building regs or certificates for loft conversion or log burner
The house I'm buying has a loft conversion that was done before the current owners and the current owners installed the log burner. It was last sold in 2021. Loft isn't being used as a bedroom, has proper stairs and a window but is being used as a habital room. Log burner is newish, not sure when it was installed or who…
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Query - air and light - leasehold
Hi all I am in the process of buying a leasehold flat and haven't had a survey done - it is 12 years old and I decided it might not be necessary - is this advisable? My vendors are pushing for early exchange and completion as they lost their previous buyer, and mine has taken a while (price agreed November last year)…
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Lodging complaint about estate agent for emotional blackmail
My friend wanted to buy a house and the offer was accepted and after the survey the house needed about 8,000 pounds of very urgent roof repairs according to the structural survey (as well as a load of other stuff that needs doing in the next few years such as damp course, leaking chimney, repair of non-moving structural…
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Selling home emotions
We have been living in our present home for almost 30 years, but it’s too big for us now and we feel that we ought to sell it and buy somewhere smaller. Even though this is clearly a sensible idea, we are both really unhappy at the prospect of moving. It feels quite a lot like a bereavement. We have found a really nice…
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Additional Dwelling Supplement in Scotland - seeking advice
Hi folks - newbie here needing some help. Our situation's a bit out of the norm so we're struggling to get reliable advice. Up until recently I was a Church of Scotland minister, living in a tied house - a manse - that came with the job. We've been here for 20 years, but I've recently changed jobs and as a result we'll…
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Removing blanket restriction from title deed for a remortgage
Hi there A long and incredibly stressful story short, we need to remove a blanket restriction in favour of my father from our title deeds to be able to remortgage. We have approached two solicitors one who says that @Land_Registry are likely to reject the removal and another who sadly agreed to look into it and now never…
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How can you confirm the buyer is financially qualified to proceed
I have been with my current estate agency for at least 10 months and it is going down hill due to continuous lies, no communications even within their team and providing details that belongs to other clients and the list goes on. Worse of it all, I had found out that the buyer mortgage appointment was two weeks after the…
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Letting Agency not giving bond back
Hi all, I rented a property through a well known chain and paid £1000 bond. This was placed in the Tenancy Deposit Scheme After a year I have moved to another property and on agreement there was £250 deductions for cleaning the property. The letting agency promised it would be done and this went on up until a few weeks ago…
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Do we give up trying to move now?
Bit of context this has been going on since Feb 2025. We have had 3 chains fall through over the past year. First couple buying ours split up, second our buyer didn’t have the funds so pulled out and then most recently this year the house we were purchasing decided he was no longer going to sell. This happened 4 weeks ago…
