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Purchasing Detached property with GF Flat. Additional Stamp Duty Due?
We are looking at purchasing a detached house which has a studio flat on the lower ground floor. The flat has its own address and separate council tax banding. The house was built as it is now in the 1970's and doesn't appeared to be registered with land registry. The flat has been let out in the past but is still…
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General Advice - Let-to-Buy to fund New House - Thoughts needed
Would appreciate any advice thoughts on the below. We have a house 10 yrs left on Mortgage (100K on 280k Property)* 22k in debt * Zero savings * Joint income 82k * 2 children Both of us it's fair say have been terrible with money and are trying to learn.My partner is desperate to get a bigger house and suggests we:*…
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Rental property with rats at start of tenancy
We moved into a very nice rental property. It's a farm with the landlord living in the main house and we are in a converted barn. The first night we moved in I heard scratching and chewing noises in one part of the building and assumed mice. I've dealt with mice before but asked the landlord for advice and to update them.…
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New Build - Wrong Kitchen Fitted
Purchased a new build earlier this year, kitchen was offered a free upgrade. Worktops, unit style and colour agreed. Popped up to the house yesterday as I’m due to exchange and complete in the next two weeks and I spotted the wrong kitchen has been installed. I’m assuming a change without notification means I can push for…
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Purple Bricks' Lifetime Guarantee
Hi, we paid Purple Bricks' agency fee 4 years ago on the basis that it would be honoured whenever we chose to sell our house. I've now been advised that the new owners of the company will only give us six months to sell our house, after which we lose our money (c£1700). Anyone know if there is any way of challenging this…
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Inherited a home but a council tenant
I inherited a home in a will. I live in London. Probate has just finished. I plan to sell and move, it's not enough to buy something out right but it's something. I became aware yesterday that my council could evict me because of this and I am scared. I wish I could hand over the keys to my flat and move in however it is…
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Question regarding "Person of significant control"
Hi. I am director of a small flat management company which owns the freehold to my and two others flats. We are also all directors. We are also listed as PSC's on companies house. Is this correct? Or was the solicitor, who set the company up, just being over cautious? The PSC section states: Ownership of shares – More than…
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Removal of name in title deeds
Hello My parents have a property which they live in and have no mortgage. They put my name in the title deeds many moons ago. All with equal shares. However I now plan to purchase my own residential property, starting my family. My question is, can I remove my name from the title deeds in order to avoid the higher rate of…
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Landlord made £450 claim for deposit and threatens £1500 plus if I don’t settle
Hi all, I’m looking for objective opinions on whether I should dispute my landlord’s proposed deductions via the deposit scheme or accept a settlement to end things. .Tenancy length: approx. 18 months. Deposit is protected. Background I recently moved out of a rented flat. Before leaving, I: Paid rent on 12 December, Gave…
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Free Land Registry Map Website
Can anyone remmeber the name of the free website that shows you land registry boundaries. It doesn't give you any of the owner information but shows the polygon outlines of the individual boundaries. It does a lot of other stuff, greenbelt, flood maps and everything but i need it to check a LR boundary. I think it was…
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Buying a house with escalating ground rent and a landlord unwilling to sell the lease
We agreed to purchase a terraced house in Autumn 2025 for £725k. The sellers told us the ground rent was 'static'. Unfortunately, when we received the title documents, we discovered the ground rent escalated by RPI every 10 years. It is currently £550 p.a. and the next increase is in 2035. There is no cap so the rent…
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Am I still a First Time Buyer
I am hoping to buy my first home and have been saving for a deposit for the last few year. This includes savings in a LISA. Since I started saving a relative has passed away and I was one of the people left a share in the house. As part of probate the house has been sold and I will be given a share of the funds once…
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Breaking the chain
Hi all, my fiancé and I are in a difficult situation and need some advice. We have sold our current home and had an offer accepted on our next home. The equity we were receiving from the sale was to be used to settle some credit card debts (around £12k) and renovate our new home. We have had a builder visit our ‘new’ home…
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HMRC Tax Liability
Good morning I'm currently remortgaging my home so my friend can purchase her home. If I was to buy home as a second property I would expect to pay stamp duty etc, but this property is going to be her primary residence and not mine. If I just give her the cash from the remortgage to purchase her home the internet says I…
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Consumer rights on repairs in new build homes - shared ownership
We have lived in a new build house for 13 months, which we own 50% on shared ownership. We have made no modifications to the bathroom, and our toilet has developed a leak at the back when we flush. This has happened through no fault of our own. I have contacted the housing association from which we bought our 50% share,…
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Using MMoA to sell home.
I'm interested to hear from anyone who has actually used this process to sell their home as my EA is recommending this route for me. I've read a previous thread on this subject but it seems to just be peoples opinions and not actual experience.
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Was letting now selling. HMRC questions
So we used to rent out a property but after having a bad tenant who decided not to pay his rent and going to court etc we've now decided to quit renting the property and going to sell it. Now I know about the capital gains tax that comes with selling but my question is more to do with HMRC and self assessment. So in the…
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Solicitor / Conveyancer help.
My Wife and I are splitting, amicably, and our house (our first) is currently for sale. I don't have any kind of legal types involved yet, and I'm clueless. We're selling, and both buying a place of our own. It's a bit complex as in we've got about £100k equity, half is going to settle debts, the rest split (almost) evenly…
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shared ownership rent
I live in a shared ownership house and own a 1/4 of the house - mortgage was paid off last year. We pay rent on the remaining 3/4 and i believe it is worked out as 3% of the part owned by the HA. When I work it out we should be paying around £480 but we are paying £680. Should I contact them? We have lived here for 28…
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Professional Consultant Certificate impasse
Hi - we are in the process of trying to buy a property that has been extended and “renovated” recently. Our surveyor says that we should not buy the property unless a PCC is provided. The seller is saying “ The architect did not oversee the renovation works, he simply designed the extension and obtained planning consent -…
