-
BTL QUERY
Unbeknown to me my husband purchased a BTL and we have been living in it for 8 years . Mortgage soley in his name will I be in trouble? I ask as he is now divorcing me and is forcing me to sell our jointly owned property in London to release money and to switch BTL to residential and remortgage (as BTL still has over…
-
Mortgage and Credit Cards
Hi I have around £18k credit card debt left which is currently on interest free until this time next year . I need to shift this debt onto other interest free balance transfer cards and keep paying it off . However , I have just been accepted for a mortgage in principle and I am hiding this from my parents who are about to…
-
FTB issues
Soooo we had our offer accepted in April this year, we’ve been told numerous times that things are going well and even been given dates that are vendors were expecting to be able to complete. Since then everything’s gone quiet and the latest is that the top of the chain is having to go through probate. we have made lots of…
-
Bishopsgate Law for conveyancing - any views
They seem like a fairly standard factory model, but have good reviews in several places, advertise giving regular updates (my biggest bugbear is silence/uncontactability), are keenly priced, and do actually have offices close to where we live, work and not far from where we are buying. So while I'd normally veer towards a…
-
Stamp duty refund
Hi, 2 years ago i rented my house out which is soley in my name. (House A) then me and my partner bought a house to live in( House B) I paid £5500 stamp duty on House B. I own house A + B, my partner owns house B Me and my partner have now split up and i'll be signing House B over to her. So I will now own (House A) and…
-
Deed of variation on leasehold flat shared area in conveyancing - experiences?
We are in a chain, we are fourth from the bottom. When we accepted the offer (first week in April, needing to hurry to be exchanged ideally by early june for school places) the chain below was pretty progressed as they had been waiting for the people buying ours to find something. We said we would sell regardless as moving…
-
How long is your sale taking?
I wonder what has changed in the seven years since I last moved house? I thought that with so much more online it would be quicker. I’ve moved house a lot and the last purchase took 8 weeks from first viewing to completion. My previous sale a year earlier took 10 weeks. I’ve always sold and moved into a rental and never…
-
Level 3 survey concerns...
Hi, I'm hoping that someone might be able to give some advice. I'm in the process of buying an Edwardian end of terrace house and this has come back in the level 3 structural survey: Outward lateral deflection/bulge to the leftside gable wall requiring further engineer's inspection. This will require restraint and tying…
-
Solicitors returning funds to the lender
Hello, Our solicitors forgot to return the funds to lender after the exchange/ completion halted. When we reminded them by email, 9 days later, they claimed they returned it the day before our reminder. Although the funds only left their account on the day of our email (according to their ledger). Is it possible? We think…
-
CGT on overseas property
I have tried to find the correct page on the Gov.uk website regarding paying CGT on selling property abroad, and I thought I'd got the correct page - they show a useful stage by stage calculation ie Sale price minus original price plus deductions for related agents/solicitors costs and improvements made to the property.…
-
Ending periodic tenancy, no electrical safety check and damp
Hi all, please can anyone advise on ending a periodic tenancy (I have checked the pinned thread and wasn't entirely clear it answered my query). I had a shorthold for 6 months a few years ago and following this it became a periodic tenancy with me paying rent monthly on the 24th, in advance. If I want to give notice to end…
-
Next Door Removed Load Bearing Walls
Hi, I live in a semi-detached house, and some years ago, my neighbour took down 2 internal load bearing walls. (prior to me moving in) I've just found out that he didn't obtain building regulations
approval for the removal of the loadbearing walls and he didn't employ a structural engineer, so I would assume this is…
-
Seller declared walls knocked down were non-load bearing... should I drop this? (no pun intended)
Hi all, FTB and would appreciate some advice. Understandably not getting a straight answer from my solicitor or surveyor as I appreciate they need to cover themselves. Around 6 months ago, the seller knocked down three internal walls on the ground floor of the house I'm purchasing to make it open plan. He has no building…
-
Possible structural movement, should I buy?
Level 2 survey has picked up possible structural movement. Crack on external wall under both front windows. Structural engineer booked for later this week said may just be drains so could need a drain survey, but know more once seen properly. Am I likely to have issue getting insurance if I buy even if its a small issue?…
-
Estate agent agreement not involving solicitors
Hi, my mum is planning to move from a 3 bed semi to a 2 bed bungalow, proceeds from the sale of hers will cover cost of bungalow. The bungalow is owned by the son of the lady who currently lives in it. The son hasn't been to the bungalow for 10 years, family breakdown & has now decided to sell. She has recently put a new…
-
Adverse possession
Forgive me and please sign post me if this is not the right question for this category. Last year I purchased a house which I suspected a 10m x 2.5m of land in the garden is not part of the title plan. But solicitor didn't raise anything and I can see the land is shown on the map of gov website (I guess this shows the…
-
Does anyone know how this scam makes money
I have an empty property for sale that I visited on Monday, I went back on Wednesday and the For Sale sign had been removed and the locks had been changed on the front and back doors. My estate agent and solicitor knew nothing about it. I then called 101 for advice from the police as I was getting a locksmith to enter the…
-
EPC not fully disclosed
Hi all, new to the forum so apologies if there is thread dedicated to this. Please feel free to redirect me if so. I have found a house I really want to buy, the negotiations are upcoming. With a bit of research on gov.uk I have noticed that it looks like there are 2 EPCs. This doesn't fully surprise me as the house has an…
-
Buying house outright from joint mortgage (divorce)
Hello, first post on here, ive exhausted google and other avenues and getting no clear answer. Even mortgage broker couldn't really answer (possibly because with wanting to buy outright there was no business in it for them). So myself and my ex wife are now divorced (approx 2yrs) she has since remarried and now lives with…
-
6 Month Rule
(Also posted in the mortgage forum) Hi, I’m just hoping someone with recent experience can possibly give me some advice/reassurance on my upcoming house sale. I’m having to sell my home that I purchased with my now ex partner due to our relationship ending. The house was only purchased by us 3 months ago and we’ve recently…
