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Is the landlord legally correct
Hi all My son had a debt with his landlord. Following advice from this great forum, my son made an offer of a monthly repayment to the Landlord via the Estate Agent at the end of November 2025. This was agreed, and my son, as agreed paid the first payment 5th December, then a second payment on the 5th January. Yesterday he…
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Selling first home where to start?!
I have read all the MSE articles (this site helped me save and move out of childhood home on my own) but it seems to be about first time buyers or once you have found a house. The guides state sell you house first which is fine I live in a really east to sell first time buyers home is a gem really. What on earth happens…
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Home exchange offer reduced with gifted contribution added
Hi, we live in South West England and are looking at reserving a new build property. As part of the deal, the developer has agreed to buy our current property as a home exchange scheme. They have called today to say it’ll look better on the deal sheet if they can knock £20,000 off their original home exchange offer, then…
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EPC with new rental contract
Can I clarify my understanding on the minimum EPC required currently to rent out your property? My friend is planning to rent his flat out next month and his flat as EPC grade E. I understand this is fine right? I am aware of the new laws coming to upgrade this to a minimum of C but is this requirement needed already for…
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Letting agents issues
Let me start by saying I don't have all the facts which I know is a problem for correct advice to be given. I'm neither tenant nor LL, just a bystander. Tenancy started back in 2018. Via a lettings agent. ( Who for the record have been useless the whole time) Landlord died a few years ago and property taken over by a…
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Anti money laundering precautions for ISA savings
Hi, I regularly move ISA and non-ISA savings round to get the best available interest rate at the time. This leaves me with various empty accounts which I would like to close. However, I was wondering how this would affect anti money laundering regulations. I don't keep a record of all the places that money has been banked…
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Impasse with Housing Association.
Hi guys, I'm at my wits end with this situation and could do with some advice. I've been renting a flat from a housing association for just over a year. In all that time, I've had no hot water from my kitchen sink. I'm having to boil multiple kettles in order to wash up. I'm in this incredibly frustrating and expensive…
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Son wants to buy a flat/small house
Hi, I need a bit of advice. I have sold my house and am about to move to a different part of the country (buying mortgage-free). My son is going to buy a flat to keep a base in the area we are leaving, so he is looking at buying his first home here. However, as his job is freelance, he envisages renting it out part of the…
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Shared Ownership, Staircasing to 100% & Using my boyfriends LISA
I bought my 35% share in my property in 2023. The value of the property now is valued at 270k, My boyfriend and I would like to move in together. We decided in the local area we cant find anything as nice as my house for the same value. I have a mortgage on the 35%. To staircase to 100%, we would need to get another…
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Additional Dwelling Supplement (ADS) taxes based on main residence status
I have a couple of questions around the Additional Dwelling
Supplement (ADS) taxes in Scotland, specifically regarding my situation with a
co-owned property in England with my ex-partner and a rented flat in Scotland. Main Residence: I’ve been living in a rented flat in Scotland for the last 2 years, but I occasionally…
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Still struggling with buyers remorse – 7 weeks on. Did I make the right decision?
As a family of 5 we decided to move as we only had one bathroom, one of the bedrooms was downstairs, we needed an office and a proper garage, we didn't like the street the previous property was on and it had no kerb appeal (you can see how the agent expertly put the front house pictures at the end) However I loved the…
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Selling a property with a tenant in the property
Recently I have been chatting to my partner about selling my rental property. As expected I have suddenly been bombarded with adverts on Facebook for companies that buy and then sell properties with tenants in situ! I am considering this as an option but looking for opinions and maybe experience of doing so. The tenant I…
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Stamp duty question when staircasing, Shared Ownership
Hi, Any help would be much appreciated as I do not understand exactly how to work out the stamp duty now that I am attempting to staircase to 100%. 2016 - 50% share of £276,500 (£553K property valuation), paid stamp duty £3,825 + NPV of £921. 2018 - 20% share of £103,000 (£515K property valuation), no SDLT paid as only…
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Inspection of Rented Homes
Hi, I’ve a friend who’s living in a rented semi with her two young daughters, I had my doubts about the safety of the property when she moved in, some dodgy wiring, and other faults, but she wouldn’t do anything about it as she was scared she’d loose her home, since then she’s had several electrical problems that seem to…
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Estate agent never got back
So I posted I seen a house and they wanted a first time buyer. Latest update is the agent got back and asked if my buyer was still around from last time? I did reply and I made contact with the estate agent I used another one to the house I was buying. Anyway my agent never got back by text message I assume as it never…
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Conservation area - new roof
The house in question is in a conservation area but is not a listed building. Some buildings in the road are but not this one. When it was bought it needed a new roof and the council's building inspectors visited whilst under construction to ensure that everything was constructed correctly and provided a certificate once…
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Licence for alterations
I’m currently in the process of a buying a flat that has had the boiler repositioned, two partition walls and the chimney breast removed. All of the works were signed off by building control however the seller did not obtain a license for alterations prior to making the changes. The seller applied for the license in…
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AML Check Fee
Hi, Our estate agents have just sent my wife and I a link each for some software called https://iamproperty.com/product-updates/unlock-additional-revenue-with-compliance/ It required us to fill out our details and then upload a passport picture. My wife completed this and then paid £36 which I was confused about as I have…
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Advice needing
hi all, I am a leaseholder of an one bed flat. I have been looking to buy another property and rent the flat out…how should I get the process started and how much deposit for the second home should I have? Thank you
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Deposit claiming from the tenant
Hi, I am making a claim against the tenant’s deposit in relation to repainting costs. The property was provided to the tenant freshly painted throughout, including all woodwork. This condition was clearly recorded in the inventory, which the tenant reviewed and signed. The tenancy lasted 15 months. At the end of the…
