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House buying issues
Hello! Back on September 2025, we made an offer of £375,000 on a 4-bedroom house. Our offer was accepted, and our mortgage lender not only agreed in principle but also issued a formal mortgage offer. However, when the searches came back, we discovered that 2 of the bedrooms (both in the loft) didn’t have building…
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My parents have been asked to transfer the full sum for purchase - but didn't see a signed contract
Hello, A concerned daughter here trying to work out what is going on with my parents' house purchase. They have sold their house and moved into temporary accommodation. Their purchase is "underway" and they are cash buyers. They were supposed to complete on December 14th, this got pushed back to January 15th. On December…
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If you were a tenant would you do this
I have rented a house out to someone ive known for many years and helped out his family .he has rented the house for 18 months To help him i am thinking of offering him the option to buy the house He has paid anout 10k in rent so far Ive told him I want 80k in rent for the house plus as he is not taking out a mortgage in…
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is it worth extending share of freehold lease?
Hi all, I’m the new (first-time) owner of a flat in London with a share of freehold and about 86 years left on the lease. I’m wondering whether it’s worth paying around £1,500 to extend the lease now. I’d only need to cover solicitor fees for a 999-year extension. With the upcoming leasehold reform, I’m unsure whether this…
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People on market not willing to sell in Scotland?
Anybody else had this? Last year my purchase fell through as they changed on moving with a week to completion? Anyway reset try again 2026 I mailed about a house they said let me check viewings as it’s just after new year. Sent home report over a week later no communication? It’s a new build been on market clearly agent…
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Home insurance with lodgers
I have two lodgers and just renewed my home insurance with MBNA. Previously I was with Post Office for a number of years. Firstly I didn't have the option for Emergency Home Cover with MBNA due to having lodgers. That was odd because I've always had it previously with other insurers. And then when I phoned MBNA to ask a…
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House selling- what am I doing wrong?!
Just after some advice regarding house selling! My house has been on the market since end of September, initially lots of viewings but I've had nothing for the last 8 weeks. The feedback I get is nothing I can improve on it's normally "we've found a different house" etc. For context, it's a 3 bed end of terrace with 2…
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Transfer Equity? Costs? Process?
Back in 2021 I bought a house with my parents for £400k (my share being 12.5%) we did a fair bit of work on the house and the value is now around £450k. There is no mortgage against the property. Now I wish to start the process to buy a house with my partner. How do I get to remove my name from the deeds? Is there a cost/…
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Buy to let Dual fuel Bill not received.
Hi Forum. Hope this is in the correct section. Long story short we bought a Buy To Let property through a Limited Company (Company is registered to our Residential address) completed October 2022 and it Rented January 2023. From October it was handed over to Letting agent to rent out...sadly no tenants so January we…
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Right of residence in event of partner’s death
Hi all, Not sure if this is the right forum or not - apologies if it’s incorrect. My partner and I live in a property that is in her name but we’re both on the mortgage - it’s joint buyer, sole proprietor. I also paid half the deposit but that’s by the by. We did it this way for reasons it’s not worth going into with…
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Springbok properties contract
Hi, We unfortunately have signed up with Springbok Properties to sell our house. We were taken in by their advertising to sell the house quickly. This has not happened, we are half way through the 16 week contract (option) period and have only had 2 viewings despite dropping it by £10,000. We have notified them that we…
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I'm inbetween house buying and purchase. Do the solicitors hold the proceeds from my sale?
Hi all, long story short. Mine and my ex partners house has completed last week. My purchase has been delayed by 3-4 months which means i'm renting. Essentially my purchase was near the end but is on pause. What happens with the proceeds from my sale? Do the solicitors keep it until my new purchase is ready to complete?…
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Lease provision for admin costs of recovering service charge arrears?
Hi all Hopefully a quick question - by your reading of it, does this lease contain provision allowing the freeholder to recover admin etc costs associated with service charge arrears? Any thoughts gratefully received. Thanks
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Insurance dilemma on house “rented” to our sons
We have a property our 2 sons live in rent free as they are both saving for flats as we plan to sell the house late next year. It’s owned outright, mortgage free. Buildings insurance is landlord with AXA Homeprotect which states on the schedule 2 sons living rent free, no tenancy agreement. They want to have some friends…
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Stamp duty on residential home I sold after years not living in it
Hi: I moved back to the UK from abroad 5 years ago and since then I've been renting as I haven't been able to sell my home abroad, which was my main residence for many years. I also have a holiday home abroad. I finally sold my family home abroad about 8 months ago and am now buying a new flat which will be my main…
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Insurance
Has anyone advice on the type of insurance available to cover unfurnished lettings. Ideally, I would like to insure against fire, water leaks, damage to fittings and against loss of rent due to the Tennant not paying. All our flats are let via a reputable agent. Many thanks, Stewart
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Forcing a sale of a house.
Hi All, My step father got into a lot of debt at one point where it was either him and my mother losing their home or he borrowed money from an unknown(unknown to me and my sister) This all happened when my mother was alive. Because of this my mother wrote a will witnessed by my sister and of course 2 solicitors. The will…
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Leaseholder building insurance
Hi, I am a landlord, and have been paying my buildings insurance on my rental property. Can I claim this back from the leaseholder and how far back can I go to backdate it? Thank you
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Title deeds restriction
Hi, I’m hoping someone will be able to offer some advice please. we bought our house a year ago. We knew just before exchange of contracts that there were 2 people living in the house that were separating, person D who owned the house and was named on the mortgage and title deeds, and person C- who was not on the mortgage…
