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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…
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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…
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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?…
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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…
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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…
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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…
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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…
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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…
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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…
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Owning a percentage of a second property
Hi All Long story short , my father in law might obtain 250k from selling a family home (1m/4), parents are thinking of putting this in the next house with DH'd bro and sis savings and no mortgage (no interest). The name of this house will be in siblings name but not DH because I work full time too and we be 'able' to get…
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Who the hell is the freeholder of the flats?
I've never seen something so convoluted as this. On the land registry form there's 4 companies, one of them is a holding company, one is the proprietor, one is a trading company, one is a management company and the other is a list of 3 names. There's also some kind of secretary limited company listed further down in the…
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When is a bedroom not a bedroom?
Currently in conveyancing on a three bed house. Third bedroom is off the kitchen, part of an extension from 2021. Building Regs completion certificate has been supplied by the sellers. Only problem is the original planning application did not list the room as a bedroom, but as a utility room. There were some other changes…
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Sell and Mortgage Free or Stick?
A little history. At 50, bought my first house in 2020 for £260,000. 3 bed semi. Sold in 2022 for £330. Bought 3 bed bungalow for £350,000 on the South Coast and now worth at least £375,000 (location, but also modernised). There's about £175k on the mortgage. Would like to be nearer East Anglia, but also near the A1, which…
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Previous owner of my home applying for credit using my address
We moved into our home 13 years ago. We were led to believe that the previous owners had moved to Australia over a year prior to that (the house was let in between). Over the years we have continued to receive mail for the previous owners. Mostly NHS screening appointments. On one occasion we got the son’s driving licence.…
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Garage or Conservatory?
What is more appealing to a buyer these days, a standalone converted garage with drive, a usable fully working garage for a car with drive or a conservatory? Which would add more value... What is your preference?
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Purchase Proceeding, Discovered it’s No Animals
When I viewed the flat, I made it abundantly clear that I needed to know the pet policy as I have a cat. I was told I needed permission. i asked solicitors to find out and they were very blasé about it, saying we’d find out further down the line. The leasehold pack arrived last week and I saw sight of it on Friday. It very…
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Unexpected 20% increase in service charge
Hi, hopefully someone can assist. We live on a leasehold property where the annual service charge is normally paid in 2 equal instalments. The first one was paid for in January and the second is due in June. An annual budget is sent to the individual leaseholders at the beginning of the year. As leaseholders we have a…
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First time cash buyer - where to start .
A bit of advice please . I have never having bought a property before and not too sure where to start. I am a cash / first time buyer ... Spoke to a solicitor who said they will only take me on once I have found a property and then they could start checking my finances etc . The estate agent says that I cant view any until…
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MSE guide: First Homes scheme - how it works and who can apply
This is the discussion thread for the First Homes scheme guide. The guide discusses topics such as: - What is the First Homes scheme - Who can apply for the scheme - Do I need a mortgage - How to apply for First Homes - How does First Homes compare to other schemes If you haven't already, join the forum to reply.
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What’s wrong with this property
https://www.rightmove.co.uk/properties/160803176 Why has this property gone from £410k in March to £395k in April to £380k now with the EA claiming mass interest since it dropped to 380k? The identical layout and size property above sold for £358k and that’s an open market one. This is ex-SO being sold back to back…
