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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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Land Registry questions
Hi everyone The Land Registry is here on our Forum to help answer its customers' questions. If you have a question pop it on here and it will do its best to help. Related on MSE: 50+ House Buying Tips Free First Time Buyers' Mortgage Booklet 2018 Remortgage Guide 2018 Ultimate Mortgage Calculator
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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…
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Swap house plus cash - legally avoid stamp duty?
We're selling our house. Had 3 valuations by estate agents, all pretty similar. As they say, it is just a marketing price not an actual valuation. We're lucky enough to have some cash to add on to what we get for the house as we are looking for somewhere bigger in the same area. We recently went to view a house which we…
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Getting on the property ladder with a large deposit from crypto profits
I know someone that is now trying to get onto the property ladder with a crypto deposit, but they say it isn't that easy. I wondered what the current state of play is with this and how to succeed in getting the green light.... Does anyone have a guide for this... Do you need to simply ask a load of brokers if they can help…
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Gaining a beneficial interest
If someone pays towards improvements and or renovations to a house they've lived in for many years, but don't co-own, AIUI they can gain an interest in the property worth £X If this isn't formalised before they die, does the executor have a LEGAL DUTY to pursue this for the beneficiaries (especially if they are not the…
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Rent with no income but large savings - Renters rights laws ?
I have posted on Reddit but I thought I would try my luck here too. I dont wish to link to the reddit posts as I am not sure its allowed. Not working since last couple years. With net worth a healthy multiple of yearly expenses (including rent), you could say FIRE-d. Don't wish to drawdown my SIPP tho yet just to "show…
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Extending leasehold on flat
Good morning. I have a leasehold flat and wish to extend the lease as the current period is 90 years. I am not sure who to contact regarding this at first instance. Would it be the block management company? Thank you
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Wannabe first time buyer in my 40s- is it doable?!
Hi all, Newbie here. I am 40, have 3 children and married to my husband who is 46. We have always rented and have never been able to save for a deposit. I retrained for a new career a couple of years ago which has increased my salary (around 46 grand), husband works full time at just over minimum wage and takes overtime…
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Merged: No heating since nye
This discussion has been merged.
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Replacing old standard safety glass door.
Hi Thanks for any help you may offer. If a landlord Replaces an old laminated glass door that is non compliant under current building regs with new safety glass in that door. Is that expense tax deductible expenditure?
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Recent experiences/recommendations with online only agents?
So we last sold our house through Strike back in 2023, but unfortunately our vendor caused the chain to collapse and we're now back at square one as our buyer has moved on. We've now found the "house of dreams" and want to move quickly. Last time, we had 3 over-asking offers within a week, all with proofs, so I'm confident…
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Seeking Advice/Other Investors re Hurn House Student Halls of Residence Investment
I am writing regarding the unlawful circumstances regarding the purchase and management of Hurn House, 4-6 Christchurch Road. The property is used for student accommodation and is in full occupancy with tenants paying market value for private en suite rooms with shared common living areas of around £175-£225 per week. The…
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Landlord wanting to set up trust
Apologies if in wrong category, please move if so! A friend is a private landlord who is not overly financially savvy. They are trying to transfer the rental properties they own outright across to younger family members before they get too old. They seem to think a trust is the best way but on a quick google, trusts can be…
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Electrical question
Possibly a daft one! I need to change the extractor fan in by bathroom. It's like for like so pretty simple. I have switched it off at the isolator. Should I also cut the supply at the consumer unit? tia
