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DIFFICULTY SELLING
I am selling my flat. It has taken 6 months for the buyer to get a mortgage! The agent's broker has been useless. The flat is in a converted office but the buyer must have described it as an ex local authority one. After 3 failed attempts the broker let this slip in an email. I had given the agent the correct information…
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Higher rate stamp duty - change of main residence - own buy to let.
Hello I’m hoping someone may be able to help as conflicting info form HMRC. I live with my husband in a property that is in his name. This has been our main residence for 13 years. 5 years ago I bought a buy to let in my own name and paid higher rate stamp duty on the purchase. we have found a new house that we want to buy…
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Merged: Need help with malicious boundary dispute
This discussion has been merged.
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Forming an RTM(alone) and getting advise.
I have for the last year, been in a slow-paced effort to bring together the leasholders of a block of flats, to take collective action and bring the maintenance of the building up to standard and get costs down. in a block of 9 flats, 8 have accepted and are on board to form an RTM company and take over the…
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Mortgage Application credit card cash withdrawal
Hello all, currently considering applying for a mortgage next month. My worry is I used my Credit card to withdraw money as I didnt have anything else on me. I done it a a few times (6) in the space of a few months. This was 4 months ago. Any advice on whether or not this will impact my chances. Wasn’t a large amount…
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Indemnity Insurance
If we purchase a property with a flying freehold (we are under someone above) how will indemnity insurance help us. Would it just be for enforcing the owner above to carry out work BUT NOT pay for it?
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adding wife to property deeds
Hello, Can someone point me to the right direction so I can add my wife to the property deeds (share ownership), please? We're mortgage free so we don't need any consent from lenders. Do I need to buy the title register from here? https://www.gov.uk/search-property-information-land-registry After that, do we need TR1 or…
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Finding out a garage is leasehold and not freehold
Hello, just wanted to get some opinions really as to what to do . So to try cut a long story short, we are a month into buying a house with a garage and had the valuation report come back saturday saying that the garage could be a possible leasehold because its under a coach house. We were not aware of this up until the…
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Electric for heating and water
We are looking at purchasing a house with electric heating only (plus wood burner) We have sourced some new electric rads but is there anyone that can recommend the best & most cost efficient for heating water. Currently it has an immersion tank (not sure how old) We only plan to use the property 6 months of the year for…
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Contacts estate agent
Hi is it binding my father died i was an EXCUTER to his will, as well as my partner. I signed a contract to sell the house with the agent but not the other EXCUTER who refused to as it was a bad agent , is it legally binding without the other EXCUTER
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House Valuation - Pressure from Agent
Hi All, We are currently in the process of purchasing a used property. Our lender did a desktop valuation last week which was around £10k under the agreed purchase price. For context the property was advertised at £625,000 and we agreed a purchase price of £612,500. We contacted our broker to try get a copy of the…
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Flat leasehold ending soon but landlord wants to sell
I live in a flat above a shop and there's also a neighbour - same landlord. We've been in the properties for 20, 30 years respectively. The 100 year leasehold ends in 3 years (2029). The landlord has recently contacted me and the neighbour because they want to sell the remaining leasehold and want to meet to 'discuss…
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Estate agents have taken more money than i've agreed
Hi all Hoping you can help. My house is rented via Reeds Rains, and i have been there since 2017. My rent has recently gone up from £475 to £525 per month. They where trying to get me to pay £550 however, i have haggled, and got it to £525 per month. I didn't sign anything for £550. On the 1st October they took £550 from…
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ST1 or adverse possession?
Hi everyone We are intending to purchase a property in England where sellers have part of their garden which is not on the title plan. They have sent us a filled ST1. I am now wondering whether they should submit the ST1 to Land registry and/or apply for adverse possession or would it be upto us to apply for adverse…
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MSE News: Home buying and selling could become 'easier and cheaper' in future under Government plans
Plans to make the process of buying or selling your home faster, cheaper and less stressful have been unveiled by the Government today (Monday 6 October). But it's still very early days, and the proposals are yet to be finalised. Read the full story: 'Home buying and selling could become 'easier and cheaper' in future…
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Best way to sell a probate hoosie?
Hi.A friend is an executor of an estate, of which part is the deceased's house. It's an ordinary terraced house in an ordinary street in an ordinary town, and with a value probably in the £220+k range. It does need updating, but is a perfectly habitable house as it is.Probate has been granted.Folk have been telling her to…
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Prescriptive easement over unregistered land
We are in the process of buying a house which is on a private road that is classified as a public footpath. The sellers weren’t able to get an indemnity policy to satisfy our solicitor so the seller’s had to apply for a prescriptive easement. (They have over 30 years evidence of use) The sellers solicitor however, forgot…
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Bought house now second thoughts
Hi Despite a year of mental illness I still felt it was urgent I bought a house as I'd been living with parents. I had saved 200k by working for 20 years which would get me a one bed flat or maisonette. I wanted to avoid a mortgage as psychologically I struggle with the endless payments and just don't like being in debt. I…
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Restriction on "transfer"
A property was bought under Right To Buy. There is a restriction on the Title regarding "transfer" or "lease" whereby a certificate from the Council confirming an exempted disposal under Housing Act 1985 is required. Is an "assent" captured under "transfer" and therefore a certificate would be required to be sent to Land…
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CGT home valuation
I purchased a second U K home in March 2022 . My main home had been purchased many years prior and I nominated it as my main residence with HMRC shortly after purchasing the second property. HMRC wrote back acknowledging this. In March 2025 I sold the main residence and as such it was not subject to CGT. I informed HMRC…
