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What classifies as Minor Alterations?
Hello, I am living in a leasehold ground floor flat that I have purchased for a few months now and would like it to be more homely. My lease has some missing pages so I can’t see what restrictions I have in terms of alterations. What forms of alterations am I allowed without arranging a license to alter? My future…
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Almost there…a few questions…
Having offered on a place in late August I am almost there… I’ve signed and returned contract etc. and sent my solicitors details to my LISA provider. Is it sufficient to have an indemnity policy confirmed by correspondence rather than written into the contract? Likewise, an item was left off of the fittings and contents…
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Stamp duty and usufruct
Hi, I was wondering if anyone might
have experience with this, or insight they're willing to share. I live in England permanently,
currently renting. I’m on the deeds of another property
overseas (in the EU) as a bare owner, with my parents having usufruct rights
for life, as it is their permanent residence. I’m not sure…
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Leasehold house - £20000 contribution needed to upgrade roof. Any help appreciated.
Wondered if anyone on here has any experience and could help. Daughter bought upstairs flat above a council tenant. Metropolitan leaseholder has decided to replace all maisonette roofs on the estate and daughters contribution is £20000 at least. This makes the total cost of the whole roof replacement at £80000. There are…
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Rental income to one owner only
My wife and I have been forced to buy a house and rent it to our daughter to prevent her and her three young children being evicted and moved to another part of the country. The children all have mental health issues resulting from the behaviour of their (useless/selfish/narcissist) father so the impact of eviction was…
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Have you lived in the same house twice?
Myself and my late Husband purchased our first house late 1982. I was just 20 and he was couple of years older. It was a little terraced in need of full renovation in a village close to where I now live (I am widowed now and have stayed 30 odd years here happily). We paid just £8.750 for the house and sold it 6 years later…
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Leasehold service charges
If my lease says my service charges are for ‘repair and maintenance’, can my landlord charge me to pay costs for historic defects on the building and call them service charges?
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Floorplan and Sqm Listed - very inaccurate?
Hi All, Is it just me or is this floorplan very inaccurate in terms of calculating the sqm? I have calculated it room by room and it doesn't come up to 105sqm. They must have included the garage in the those calcs. Also if they are adding up the longest measurements then also they must have double counted the square where…
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Express House Selling
Hi, any advice with signing up with a so called 'Express House selling agency?' We have our parents home to sell following a death and now dementia with the remaining parent. My sisters are fairly keen to go ahead with 'Express Estate Agents' who allegedly can sell the house within 30 days, they've said they have buyers…
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Is a home buyers survey for a small 1 bed flat a waste of money?
It's a top floor flat (2nd floor) and I went to view it last week. Checkout out the windows, had a visual inspection of the tops and bottoms of the walls / corners for damp / mould, had a look for any cracks or fractures along the interior walls etc. I'm not a professional but the flat seems perfectly fine. It's a tiny…
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Christmas slow down?
Hi all FTBs here actively looking but things seem a bit slow looking at the number of new properties being listed daily. Are we hitting a time of year where people will start to think more about Christmas and not wanting the stress of selling over the festive period so decide to wait until the new year?
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Offer accepted on property - seller not appointing solicitors until they’ve had an offer accepted
We’re moving to chester to be closer to family, and have had an offer accepted on a property we want to buy. However, the estate agent has said that our sellers won’t appoint solicitors (meaning no memorandum of sale) until they’ve had an offer accepted for their onward purchase. Is this normal? Everyone I’ve spoken to…
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Shared ownership with private landlords
Hello! Please could someone advise if it’s technically possible to enter into a shared ownership agreement with a private landlord and be eligible for a mortgage? I have been living in my current privately rented house for 4 years and would love to buy it as it very much feels like home. The landlords are friends who moved…
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MPowered Mortgages - paying early repayment charge
Hello I don't know if anyone else has experienced any problems with MPowered mortgages since they recently announced they are ceasing trading. This means they are not taking on any new applications. I took out a 3 year fixed mortgage with them. Now in my second year. I would like to buy a new house with another lender but…
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IVA, age - mortgage pointless??
Looking for some advice/guidance having searched previous posts, I'm a complete novice re: house buying. I entered an IVA in 2019, completed mid 2024. I'm 45 and don't yet have a full deposit saved but aiming for £15k. Earn 34k and single. I also went bankrupt in 2003 and was discharged after 9 months. Neither show on my…
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Transfer of Ground Rent and Grounds Maintenance
Part Ex’d with a developer 6 months ago. Old house was leasehold and had an annual grounds service charge. Both of which we’re due a rebate on about £100. This week started getting demands for late payment of ground rent. Ground rent company initially said they’d cancel all invoices until hearing from solicitors but are…
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Land Registry title expedited since July
I accepted an offer on my apartment in July 2025 (now Nov for future readers), my apartment isn't registered due to buying it as a newbuild just 1 year ago, but I expedited it right away. I have been told that there are 2 titles in front of mine (TGL625486). After chasing the solicitors of those titles, they told me they…
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First time buyers deciding how to renegotiate after survey
Hi, We are a young couple who are in the process of buying a first home. We are at the stage where we have a mortgage offer and our survey is complete. We initially had trouble with getting a mortgage with the property as the first lender wouldn’t lend due to the kitchen extension having single skin walls. The next lender…
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New Build Drainage
We live on a new build estate when we have heavy rain the sewer drains overflow. This is an ongoing issue now 4 years now coming up to five years. It doesn't affect our house but others have issues with there toilets when this happens etc. It seems we are going around in circles the developer says it is Severn Trents…
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Self assessment rental mortgage payments?
I have a rental property with an interest only mortgage of £500 per month. I understand that on the self assessment it is a tax credit of 20% of the yearly total given. Is it box 44 that I enter this in & do I put in the whole amount of £6000 or the 20% amount of £1200?
