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Help please Derbyshire folk!
I am planning to move to Derbyshire from Northumberland and have seen houses in the following areas but would appreciate any help/recommendations. For context, we are a middle aged couple with a dog, who like the quiet life. North Wingfield Danesmoor Staverley Bolsover Ripley Shuttlewood Swanwick Clowne Inkersall…
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SDLT and inherited share of property
Hi all, I inherited a share (16.66%) of my late father's home which my mother still currently lives in. I don't own any other properties and so if I were to buy a property in the future as my main residence would I have to pay second home SDLT given that I technically own a share in a property or would the percentage share…
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How to pay S21 court fees?
My landlord tried to evict me through S21 and the court awarded him costs. My deposit is protected and would cover most of the fees. However the landlord decided to ask for far more than the deposit scheme holds (lots of nonsense, easily refuted false claims of damage etc) and has refused to use Alternative Dispute…
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Solicitors have gone into Liquidation ... What next?
I purchased a new-build property in 2023 (completed October 2023) The Management Company of the development requested documents from my solicitors to set my account up. After nearly 2 years of chasing my solicitors, I finally got a response that the Solicitors' firm has gone into liquidation and an intervening solicitor…
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Welsh water plans wrong, live pipe running under existing extension and where new extension is going
Does anyone have experience with this? We purchased a bungalow and paid for the searches with the intention of extending an existing extension. Searches came back fine for the extension and planning permission was approved. On digging the foundations a pipe was discovered, Welsh water first said it was a live pipe, then it…
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Seller refusing to pay for indemnity policy
We are very close to being all sorted to exchange but our sellers are refusing to pay for an indemnity policy for missing building regs for a garage conversion when it was originally done. This was done previous to them buying the property and since then the sellers have added a utility to the garage conversion where they…
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Undecided where - move to care for parents
Hi I would appreciate some advice on where to move to. Recently my parents (in their late 80s) need a lot of support. They live in a small town near Derby in their own home. I want to move nearer to them within about an hour’s drive and have sold my flat in Herts and looking to buy a house further north, so that I am not…
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Letting an inherited property
So I’m about to inherit my late father’s property and I’m looking to rent it out. Firstly do I have to wait for land registry is completed before I do that? Secondly, it’s is a two bedroom property, where the front bedroom has been divided into two separate rooms with a plasterboard partition. One of the rooms doesn’t have…
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Second home council tax reduction
I am having to sell my holiday home as I cannot afford the enormous surcharge the Council have put on second homes. The one advantage of putting it on the market is that the Council tax surcharge is lifted for 12 months. If it does not sell is there any reason I cannot take it off the market after 12 months and then put it…
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Instant cash sale house
Hi, I'm looking into various things at the moment, and Im wanting to try getting a couple of offers, with no strings attached, to buy my house outright, rather than going down the usual estate agents route etc. I do have genuine reasons for even considering it, and need to get some idea of the difference in valuations etc.…
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Converting mortgage to buy to let - Agent Valuation
Hi All, I have very recently had an offer accepted on a house outside of London which will become my main home, and plan to convert my current flat (and it's morfgage) to a rental. As part of this process my broker has requested a letter from an ARLA recognised agent confirming the rental value I can get for my flat. I…
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Letting residential property for storage
Hi i have a house converted into two flats. The bottom flat has been rented by an elderly person for the last 15-20 years at a low static rent. The top flat has been empty for a number of years and requires substantial renovation. For the last few years, the elderly lady has been using one of the rooms in the top flat to…
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House Purchase with Outstanding Land Charge
Hello I have had an offer accepted for a house and my solicitor has completed searches. The local searches revealed the house has an outstanding land charge. The charge is for a disabled facilities grant for work done a couple of years ago which must be repaid if the house is sold within ten years. The charge is for a…
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Stamp Duty, Let to buy conundrum
I would like some advice about a purchase of a flat I’d really like to buy. It costs 340k. I already own a flat worth 280-300k with @80k remaining to be paid on the mortgage, it is not in a nice area so I think would take a while to sell. My current accountant said I should form a limited company and make the flat I…
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Help with Stamp Duty for main residence move while owning another flat
Hi all, Need some advise regarding stamp duty. My and my wife currently live in a property we have mortgage on and are looking to move to an another property closer to a school priced at 500k. My wife also owns another small flat in scotland but that is not our main residence. Do we have to pay additional home stamp duty ?…
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Side-by-side: realistic net rent vs. net sale proceeds after fees and CGT" report.
Hi everyone, I'm a landlord trying to decide on the best path forward for my property. I'm not getting an accurate picture from the usual online valuation tools, so I'm looking for a more in-depth analysis. Specifically, I'm hoping to find a firm that can provide a "side-by-side: realistic net rent vs. net sale proceeds…
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How accurate is the EA calculation for surface water flooding?
Hi,My partner and I just got an offer accepted on the house but realised that is listed on the EA website as low risk of surface water flooding but the neighbour on the right is high risk.The neighbour on the left (and most of the street) is really low risk.Wondering how worried we should be and how accurate the data…
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Implications of selling or renting mum's house?
I have no clue if i should post this here or elsewhere. If elsewhere, please let me know. My mum had dementia for 7 years already and one of the family lived with her in mum's house. Mum, who's 90 then had a big stroke which has meant her needs increased and her home was not great for her. We moved her to my sister's house…
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Completion statement issued after completion - £20k+ owed
My solicitor issued me with a completion statement after completion, showing a large balance which I did not expect. The issue stems from a mortgage which was less than the agreed amount applied for. My mortgage advisor says it was a responsibility of the solicitor to identify the shortfall. I am aware that I should’ve…
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Auction disaster advice
Advice required. We have made a very foolish and costly error. After a very kind gesture from our parents, they offered to buy our son his first property to get him on the ladder. They found a local property listed in our area on a property auction site. Neither them nor us had ever taken part in an auction before, They…
