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First time buyer status & property inheritance
Keeping this brief, Parent has passed away. Property, owned outright, has been left in the will to 4 children with the provision that the parents partner can remain in the property for as long as they wish. 3 of the 4 children currently have ftb status. 2 of those are actively house searching and have deposits in LISA'S At…
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Income verification for Self Employed
Hi there, I’m trying to rent a house and am self employed. My last years company accounts (directors salary and divs) are about 26 x rent, and I know I need 30 x rent, to prove income. Do you think they’ll accept an accountants reference instead? I also haven’t put in my Self Assessment tax return yet as it’s not due until…
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Address not listed
We are currently buying a house. The address isn't listed on any comparison sites or postcode finder. It's currently an Airbnb so not paying council tax. Could this be the reason?
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Neighbour has a rat infestation and wants to alter my drain
I live in a mid-terrace home and the neighbour has had a rat infestation over the past year. They’ve approached me 3x now to say that it started after I renovated the inside of my house (no extensions, no disruption to plumbing or drainage). I have no signs of a rat infestation, nor does my other neighbour (end of the…
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Buying a flat with several Section 20 notices
Dear all, I have had an offer accepted on a leasehold flat, and found out a few weeks ago that several Section 20 works have been announced on the building. Sellers have offered a discount just over the "estimated" costs of two of the S20s, with a third one due later in 2026 saying I should take care of that. So far so…
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Mortgage free move to cheaper property. Process?
Hi, thinking of moving but it has been over 30 years since we have done this and back then, we had a mortgage. This time, we are lucky to be mortgage free and have been for some time. Current property worth approx £250K and looking at similar type of property further North in the UK which would be around £220K. In my…
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Will adding children to property title under the 7 year rule affect childs LISA
hi there just wondering if I add my kids name to a property we own outright and they become registered owners, will that affect their LISA as technically it wont affect mortgage status as they still wont have one ? many thanks for the guidance.
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Moved: Accidental landlord - first steps
This discussion has been moved.
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Any point trying a third estate agent?
My house has been on the market since February. The first estate agent I used has offices all over Kent with an office in my village. They handle a lot of local house sales and I've used them in the past a couple of times with great success. However, this time they got me just one viewer in three months. They actually…
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Legal charge on house purchase not declared
I have been trying to buy a property -over last 6mths . neither the estate agent, vendor or vendors solicitor declared that there was a council debt on HM Land Register . I have now lost my buyers because of this. I am aware that a sale of the property fell through in 2024 and can't help wondering if it was for the same…
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Helping my brother with equity release
Hi all, I'm new to the forums. I have an odd situation that I need help with. There are financial elements to the problem amongst other issues which may become apparent. I am 60 yrs old. My brother is 64 yrs old. Our parents died some 15 yrs ago. We were left a house and a reasonable inheritance each, split 75:25 to my…
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Buying a 2nd house for a child to live in.
We have a 20 year old son who needs to move to another town for work. We are thinking of buying a flat (part cash part Mortgage) for him to live in with him paying the basic bills. What would be the main pitfalls of doing this, we would buying the flat in our name. I am aware that some BTL mortgages do not allow family…
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Any one experienced with RICS Level 2 Survey - Damp
Hi All I need some advise please, House was built around 1930s, all rooms are find and no damp except for under stair cupboard which extends to the end of the wall. around 4m long altogether, Start of this wall, there is no damp/ damp meter shows single digit reading however under stair case is a bare brick wall which has…
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Garden, but no garden.
As a cash buying, no chain buyer, I have been attempting to purchase a particular vacant property since the beginning of July 2025. I understand the sellerto be a housing association. Whilst an unusual property, in that it has been altered, it was advertised with a rear garden (albeit currently a paved slab area). At the…
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3-5% Radon
We are currently buying a property which has the radon reading of 3-5% on the environmental search. After looking at the UK government map, it seems that lots of areas have it from the Peak District & Derbyshire Dales to Yorkshire Dales. If we move in and do a test, what works would need to be done.
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Leasehold conditions have changed after sale agreed and costs incurred - is there any recourse?
An agent advertised a leasehold apartment sale with a "We have been informed that holiday lets, pets and residential lets are permitted" - this was part of the reason a higher sale price was agreed in negotiations We then incurred fees for surveys and searches as we started the conveyancing process Our solicitors haven't…
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Best way to buy a house in another part of the country that you intend to move to?
Hi All, (Posting on behalf of my sister). My sister is expecting to come into some money and combined with a mortgage thinks she may be able to finally buy a house. Unfortunately her budget is modest and she currently lives and works in Kent, with her partner and two kids. They realise that they might only be able to…
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Deducing how title is held
All. Neighbour has lost their partner of 40 years, unmarred, not civil partnership, but they bought the house together. Is there a way of finding out whether it was registered as joint tenants or tenants in common? It is mortgage free, no documents can be found, no idea where the deeds are (I suggested a check with the…
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Interim charge order nightmare
I am in the process of buying a house from a couple who are apparently splitting up. The house is empty and thus vacant possession. I am a first time buyer and have mortgage offer and money aside for deposit. We are now in week 17 of conveyancing. Solicitor decided to wait until week 10 to find out there was an interim…
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Shared ownership
I know this will probably get asked all the time but thought I'd ask for specific advice to my circumstances. Single living at home with parents. Looking at a 1 bed detached bungalow, 25% share for £63,750. I plan to put £20,000 deposit down. I'm really keen as this is such a rare find and actually affordable Should I go…
