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Divorce settlements vs SDLT (Stamp Duty)
I am in the final stages of a divorce, Part of the divorce settlement includes me buying out my wife from the marital home, I am re mortgaging the property with a new lender. I have received a completion statement from the new lenders conveyancing solicitor with a list of charges as long as my arm! Amongst these charges is…
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Leaving flat tenancy
Hi I have recently just left the flat where I have been renting for a number of years. On the day of the check out the cleaners were delayed in completing the end of tenancy clean. I had booked the check out after their estimated finish time but they overrun. This meant that when I went to do the check out and hand the…
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Draft land transaction form help
We're buying a new home before selling our current home. We will not be selling our current home until we've decorated the new home but we're hoping to be able to claim back some of the stamp duty paid if we sell within the next thirty six months. My solicitor has just sent through a draft stamp duty form, should I should…
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Shared Ownership and Land Registry Title
I am selling my shared ownership flat, it's proving to be a nightmarish project with delays and incomprehension with solicitors from both sides, even if it is a chain free transaction. Conveyancers from buyer's side are now saying that the land registry title doesn't show I had staircased from 35% to 50% (I did this at the…
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Sinking fund on exit; how common / unusual?
England. Ordinary leasehold. Not retirement. Instead of paying monthly in the lease for this building, leaseholders pay their sinking fund on exit. It’s 0.5% of the market value per year. When selling the property there is a payment due to the landlord of 0.5% of the market value of the premises for each year of…
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How much should we offer?
Hi all, new to this thread and indeed the housing market in general, in need of advice. Myself and partner and are both mid forties, in rented accommodation but landlord is selling. We are currently searching for 3 bed properties as we have children at home. We have already had our fingers burnt by offering on a house at…
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Private landlord
We have a tenant in our property. We need the property back for family (landlord) to come live in for a year or so. How can we legally get our property back for landlord to move in??? Landlord wants to move closer to family? Any help appreciated. Thanks
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Defacto tenant eviction problem
Need some advice as to the best course of action to evict a tenant. The tenant was originally a lodger in my wife's bungalow but became a defacto tenant as sole occupant when my wife and I married and we live together now at our separate matrimonial home. The tenant has let the property go to rack and ruin and neglected to…
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Undergoing a pre-tenancy check with a Housing Association and not sure how to answer ASB question
Hi all, I have had some success with a council housing bid, and the Housing Association is now doing a pre-tenancy check. I suffer from chronic pain, and a few months ago it became overwhelming, which resulted in my crying out in pain on the odd occasion. This is the first time this has happened in my history of being a…
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Would you buy a house with an internal manhole and drainage issues?
Hi everyone, My partner and I are currently in the process buying a house we really love, but there are concerns and we would really appreciate people’s thoughts—especially anyone experienced with drainage or buying homes with legacy work. Key Findings * There’s an internal manhole that ended up inside after an extension…
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Mortgage insurance first time buyers one with health issues
Hi My son and fiancee are in the process of buying their first home. DS has Crohn's disease and had Lymphoma 6 years ago, which he has completely recovered from. They need some advice about life insurance and mortgage protection insurance (if that is even possible). Where is the best place to start with this?
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Property Sold stating driveway but legally I cannot use it as there is no dropped kerb
Hi I bought a property last year which on the Estate Agents sale particulars stated there was 1) a Driveway 2) the property information form clearly stated that 'parking was available on the Driveway.' but as I have since found there is no dropped kerb I cannot legally park on the 'Driveway' , I did not have a driveway on…
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Worrying survey report for newly refurbed Victorian terrace - what to do!?
We're first time buyers and had a £310k offer accepted on a 4-bed victorian period terrace 2 weeks ago. (Originally was put on for 320k but then got reduced to £310k as lots of other properties on the market). Since then, we've had our mortgage offer, the solicitors are going to be doing searches soon, and we've just got…
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Exchanging imminently- told no chain all along! What’s going on?
Timeline of events; We (my brother and I) accepted an offer on my late parents property on 15 September. Told our buyers were cash, ready to move asap and that they’re in rented (chain free) everything is done. They want a completion day of Monday 15 December. Only a few days away. I asked my brother yesterday (he’s the…
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We have equity in our home, can we buy a second property?
Both myself and my partner are in our 40s and we have built up around £190k equity in our home and just wondered if we could somehow use this to put towards a second property, to rent out and long term become a retirement nest egg. How do we go about this? Or is it not possible? We have a 750pcm mortgage, we have joint…
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Cala Homes - Guaranteed Buyers Scheme
Hi, Can anyone share their experiences and views on Cala Homes - Guaranteed Buyers Scheme? Thanks.
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Buying house that is being Part-exchanged
So my husband and I are first-time buyers. We are buying a house that the current occupiers have put up for part-exchange to buy a new build. We are up to the contract stage of the process but our solicitors are in a back in forth with the developer's solicitors who are selling the property about assurances regarding the…
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Council housing pre-tenancy checks and a debt management plan
Hi all, I think I may have been successful with a council housing bid. I understand that the next step is for the housing association to do a pre-tenancy assessment. My worry is that I am still repaying some old debts using a debt management plan. Does anyone know what the pre-tenancy assessment typically involves? Would…
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Title deeds
Good evening everyone! sorted thank you everyone for your responses
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Potential damp/flood risk?
Hi Considering a ground floor flat. It's a mid 90's ground floor, with a little hill going into the building. Annoyingly the bottom of that specific grass verge area does show up on the local council flood map as level 1 lowest risk, which is 1% chance of surface flooding each year. I haven't noticed any flooding, it gets…
