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Handing in notice on my flat
Hi, so ive tried to hand in my notice on my flat through text message but the landlord is refusing to answer back. Ive asked him for confirmation of receipt and nothing, I have also sent him an email of my notice and still no confirmation or acknowledgement. There is no record anywhere I can see of his address so I cannot…
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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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Charging order
i have a charge on my property from an old debt over 20 yrs ago that I simply just forgot about, i want to repay the debt and have the charge removed so that i can remortgage, the company that the debt is owed to no longer exist since @ 2012 and have no forwarding details or including contact details, from investigations…
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What kind of survey for a new build?
I'm in the process of buying a new build and it's been 16 years since I last moved! The mortgage valuation has been done and I have my mortgage offer, but I'm unsure if I need to get a structural survey done. I'm planning on getting a professional snagging survey done, but I'm wondering if I should still pay for a…
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What to do with windfall - negative equity, needs lease extension, jointly owned with ex
Hi all, I jointly own a flat with my ex. It's leasehold with only 64 years left on the lease. When we split up, we were in negative equity and couldn't afford to extend the lease or sell, so I've continued living here and paying the mortgage myself, while she rents elsewhere. Money has been tight for both of us - she's on…
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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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To stay on market or temporarily de-list
Hi all Any impartial advice appreciated Selling our late Mum's house (1930s bungalow). Been on market since 1st June - zero interest. Have reduced price three times, and it is well within the average locally for similar properties, but the market round here is absolutely dead. The Agent we are with (who have been great)…
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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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Freeholder's responsibility?
I own a leasehold first floor flat in a small block, converted from retail premises in 2013. Over time it has become evident that an internal wall and some of the floorboards are sinking (ie there is a problem with the underlying support/ excessive settling). A surveyor has concluded that it is the freeholder's problem to…
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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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Residential service charge _ is there a published index?
If I wanted to gauge/benchmark the reasonableness of a service charge, is there a UK index that gives typical charges as a function of location and development size? E.g. 2 bed flat in a 15-storey residential tower in London.
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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…
