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The fees for buying a home is the biggest scam known to man.
I've just had a breakdown of the conveyancer fees and my god what an absolute joke. You basically pay a fee for every single element of buying a home. File opening fee, search fee, ID check fee, electronic transfer fee, source of funds verification fee and there's like 6 others I can't even be bothered to list. I actually…
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Addition as a civil partner to property title deeds.
Back when I owned a business I transferred my property into my partners name to shelter it from any liabilities with that business. Now 30 years later as we look at our IHT planning and we are in a civil partnership we wish to add my name back onto the title deeds to ensure we do not lose any IHT allowance on our primary…
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Discount of market value
Hi! If anyone on here has ever brought a house under DOMV ( discount of market value) or DMS scheme. Could you let me know if the reselling of the house was hard? Or if you have any advice to do with it
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Stamp duty on outbuildings purchased 2019
Hi I bought a house with outbuildings in 2019. The outbuildings aren't suitable for living in. I've recently been targeted by ads for refunds on stamp duty on the outbuildings. A quick bit of research suggests this should have been made with 12 months - correct? I am assuming the opportunity has long passed! The…
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Stamp duty second home confusion
Good morning. My partner and I want to buy our first home. She inherited 3/8s of her grandfathers home in Germany (she is German) it’s currently rented out and she receives 3/8s of the rent. We live and work in UK and want to buy our first home. We have found a property for 250,000. I have used many different stamp duty…
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Undercover Estate Agent BBC One
Anyone watching this? Nothing we didn’t already know but hopefully it opens up a discussion on the issues.
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Checklist for a pre-exchange inspection visit...
Just on my way to view a flat we are buying - we're almost ready to exchange, tenants have vacated and I'm just looking to pick your brains on 'must do' things while there. So far I've got: - test appliances that are remaining - inventory of fixtures/fittings (versus form that vendor completed) - measure up - check for any…
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Issues getting lease from Land Registry
I'm having lots of issues selling my property due to the lease. I had a buyer late last year who's solicitor obtained a copy of the lease from the Land Registry. It was then discovered to have 3 pages missing and after the delays this caused the buyer eventually pulled out. In the interim I managed to find 2 copies of the…
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TP1 - expedition - timeline - HM Landregistry
Hi, I was just wondering if the @Land_Registry team could help?. We have a plot of land which has already had expedite agreed. Answers were given promptly to requisitions on Thursday. I’m just wondering if there’s anyone else that can be contacted or anything else that can be done to try get this reviewed and completed as…
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Septic tank (shared) upgrade - what would you do?
Hi all, I have belatedly learnt about septic tank regs - I should have known about them when I bought my house in 2021, but my solicitor didn’t flag up any potentially illegal water discharge (my survey did suggest a septic tank specialist survey, which I didn’t do, silly me!). I am surprised by this, as I thought that’s…
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Consolidation Loan and mortgage application
Hi , I was in abit of a mess over the last few years. I had to retrain in my employment due to my back and took a substantial pay cut while doing so. Skip forward 4 years and I’m now In a position to save for a house as my salary is up to where it should be . I do however have the debt from that period that kept us afloat…
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The NEW waiting to exchange thread...
So the other thread has gone awol so thought i'd start a new one! It was keeping me sort of sane during the house buying/selling process! A place to document your timelines and discuss the triumphs and woes of moving house!:T My timeline - Offer received and accepted on our house 17/07 Offer made and accepted on the house…
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In process of buying sister out
Long story short my sister and I are in late stage of registering on land registry with solicitors, my share of 66. 5% and other sister 33.5% tho solicitors haven't sent off the forms off yet to land registry yet until we come in and sign forms next week, however we have since learnt the inheritance of her owning 33.5% of…
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Landlord Blaming us for Water Damage
Hey, So we are a family of 4 with 2 disabled children, we had been renting a property for 6 years. Before we even moved in there were issues with the property including cracks in the sink basin and bath panel. These were evidenced in the check in and checkout inventory. Unfortunately the property is very old and was in…
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Paying deposit
Hello, first time buyer aboutto complete on my first property this week (proud monet) To that end, how do i pay my deposit? Can this be a simple online payment! Do i need to inform my bank? I know my solicitor shoukd advise, however they do tend to be slow to reply, and i want to make sure i am ready to push the button.…
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Insulation
Is it wise to put plywood over the insulation in an attic?
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Right to buy boundary issues
We are going through a right to buy (been 9 long months to date). We are at the last hurdle now but had an email from solicitors saying the council are not giving us the title deeds to the front pavement in the garden. This front pavement does not belong to the neighbour who are private. This front pavement goes to our…
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Buying a home to live in that has a tenant in situ need advice
I'm going to view a property this week and the current owners have a tenant in situ, I've been tol that I won't be able to get a mortgage on the home to live in if there is a tenant already living there. So what's the best option for me? Should I just make my offer to the owner but only actually sign the contract once the…
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Removed gas fire, buyer wants local authority consent
Hi everyone We had a gas fire removed when we bought our property a couple of years ago. The work was carried out by a gas safe engineer who was also installing a new boiler and rads. We weren't sure what to do with the space, so we boarded it with some ply and put a sideboard in front of it for the time being. We are now…
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TP1 and covenants
Myself and a group of ten other directors are on a board of directors for a management committee for couple of blocks of flats (leasehold) here in the Midlands. We also have some neighbouring land which is currently being used as lock up garages and the covenants within the leasehold states that this need to remain for the…
