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Property Purchased in 2022, only found out yesterday there is a charge against the house !
Help and advice please : We Bought a property back in 2022, yesterday
in 2026 ! We found out there was a charge against the property from a previous
owners debt, via the county courts. So I am now pretty worried…. Long story short, purchased a freehold property back in
England 2022, the usual route, solicitor , estate…
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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 -…
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Mortgage - Best way forward
Hi All, I am looking for some advice, I know the there are multiple different answers. :) Our current mortgage term is due to end in Feb 2027, a mortgage of approx. £270K at that time. I'm in the very fortunate position of having a reasonable savings post £100K. I would like to pay off my mortgage as soon as possible, so I…
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Lease extension - informal v formal
Hi there has anyone got any exp
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Adding a joint tenant - adult child
I have lived with a parent for a number of years now due to trying to solve my debts which are now under control but being paid through a self-managed DMP. My parent has recently retired so I have been taking more responsibility of the household outgoings as I'm now the sole wage earner in the household. The house is being…
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Buying a leasehold flat has been the single worst experience of my life
I started this process in May 2025 when I had an offer accepted on my first flat I tried to buy. After 5 months of forms, waiting for packs and information, enquires, weeks of back and fourth with very little progress being made, I dropped the purchase. All because the seller didn't want to pay his own fee of a deed of…
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Has the Land Registry's Customer Help Forum been Shut Down?
I was looking at the HM Land Registry's Customer Help forum late last year. I've just tried to log back in and it appears that this forum has been shut down? Even a Google search of forum threads from years ago simply leads to a page not found page! Does anyone know if this help forum on the Land Registry site is being…
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Wrong Pro Rata Rent Calculation by Real Estate Agent
I have an interesting question on pro rata rent as calculated by real estate agents. I had a tenant who moved in on 26 June 2025 and was paying rent on a quarterly basis. The monthly rent was £3,229.13 and so quarterly payment was £9,687.38. According to the agent, the last day of his second quarter was 25 December.…
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Seller creating impossible deadline.
Despite being a cash buyer, with no chain, I have been struggling to buy a frehold property where the seller (a Housing Association) and their solicitor have been witholding or delaying release of information. It has reached a point where they have issued an ultimatum: exchange by end of day tomorrow (12 Dec) or they will…
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Adopting a street/estate
I have read about some private roads with houses and the street is owned by the houses, not the council.I live on a council built estate, so the council look after the grassed areas and all the estate. I have read a new build estates where the house owners pay a fee for someone to look after the grassed areas.Do councils…
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Overage clause
Just going through our property documents prior to signing the contract and have noticed that they have added an overage clause. It's a residential house that is doesn't have excess land to sell but does need updating inside when it comes to decor. We are not keen on this at all as I don't want the sellers to have any…
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Help with house selling conundrum
Hello. My partner and I have decided to split and sell our home. The house is in my name but we both pay towards the mortgage and bills; my partner never wanted to go on the mortgage as he had a poor credit rating when we met. We are now in process of getting home to saleable standard but my partner just made a suggestion…
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Air b and b as a business
Hi. I am considering buying what would be a 2nd home. I would hope to use it as an air b and b. If I register it as a business would I be able to claim exemption from the double council tax due as a 2nd home? If so why doesn't everyone with a second home do that?
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Lifetime ISA + £460k shared ownership using NPV method – anyone successfully done this?
Hi all, I’m a first-time buyer trying to use a Lifetime ISA for a shared ownership purchase and getting completely different answers from providers, so I’m hoping someone here has real-world experience. My situation: * New-build shared ownership house in Cambridgeshire * Full open-market value: £460,000 * I’m buying a 25%…
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Renting a UK property while overseas or just sell
So, I currently work in Zurich while my wife is in our property in the UK. She is joining me this summer and we don't really want to live in our house when we return despite having been there almost 30 years. My daughter and husband don't like their house and want to save for a better property. We will be well paid in…
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Reputable moving companies
DH and I are having to move for medical reasons and its becoming rather urgent as we can barely manage our external stairs plus we need an extra room to dialyse DH. We currently own out flat but over the last 2 tears there has been an influx of horrible neighbours in the street and next door and below me who have turned…
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Part of Garden Not owned
Morning, Wondering if anyone has had this experience before. Currently in the process of purchasing a propert, everything is pretty much done enquiries wise apart from it appears a small strip of the Garden at the back is owned by the council housing trust. It’s part of the red outlined area when the council sold the house…
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House we are Buying has been priced £5,000 lower by the lender
Thank you all in advance for your responses. We are first time buyers and have just had the valuation back from our mortgage lender. They value the property at £5,000 less than the agreed sale price. We haven't exchanged contracts so we are in a position to re-negotiate price but I'm unsure if this is the best thing to do.…
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Time between exchange and completion
Is there a set time that is normal between exchange and completion when selling a house? I have been told that solicitors do not like it to be more than a week between the two events. Does anyone know if this is true? Thanks.
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SDLT when you have two homes
If I currently own two homes: A - Main B - Second and I sell A in, e.g. Aug 2026, temporarily move to my second home full time, then buy a new main home any time between Aug-26 and Aug-29, will I just pay the normal rate of stamp duty as I'm replacing my main home, NOT the higher rate because I have 2 homes. This is my…
