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Restrictive covenants
I bought a house two years ago. The house was built in 1967 and the previous owners had lived there since then until they died just before the house was put on the market and I bought it. The deeds from when it was built it contains restrictive covenants as follows:“No Building erected on the land hereby transferred shall…
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Indemnity insurance for garden home office
Hello All, I am in the last phase of buying a house before exchanging the contracts. I had a question about one thing which my solicitor mentioned today, so I wanted to ask here. The house I am purchasing falls under a conservation area, and I can the list of modifications and alterations they have done listed under…
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Exchange then completion question
I'm a first time seller, I have learnt so much so far during the process of selling my house, I would be so more clued up if I did it again but I never plan on doing this again unless I really have to !! We are currently at the survey stage and someone is coming round in the next week to survey the house and not long after…
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Buying shares of inherited house
this is a follow-up of my previous post. My father passed away last his partner not married resides in the home with a three year trust for her to stay there until she finds another property to move into The house has been left to myself and my sibling at 42.5% each and the remaining15% to Dad’s partner we have discussed…
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MOVING HOUSE HOW TO QUICKLY INFORM EVERYONE OF ADDRESS CHANGE
Is there an easy way of informing all utilities, dvla, doctors, hospitals,opticians, vets etc etc of a change of address? (probably not) thanks COVID
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How much should I charge my lodger to work from home?
I have a lodger, and he has told me that he needs to work from home from next week onwards. I was thinking of charging him a daily rate (on top of his rent) to work from home. How much should I charge him?
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CAPITAL GAINS TAX
I am gifting a property and filling out the CGT calculator. Its asking me what my expected income for the year will be? I do not work. I get PIP, Carers and UC. What do I declare as income? all of it?
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Money Moral Dilemma: Should my tenant pay for missing the gas engineer's appointment?
This week's MoneySaver who wants advice asks... I'm a landlord and have to get a yearly gas safety certificate for the property I let. With my tenant's agreement, I gave the gas safety engineer her telephone number, so they could arrange the visit. On the day itself, my tenant forgot the appointment and was out at the…
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Buying a New Build - Will Garage Block Sunlight in Garden?
Hi I am looking to buy a new build, plot 200 below. We are concerned the garden may have shadows etc created based on the fact it has the walls of the neighbouring properties garages surrounding it. Looking for this communities views please on if this is an issue ie how likely is it we will have the sunlight blocked on our…
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Self assessment for rental income
This is my first year of being an (unwilling) landlord, and will soon need to fill out the self assessment form. Until now I have been PAYE with my pensions and savings interest my only income. How onerous is the online form, and will I need to work out all the total amounts of income to fill it in, or will they already…
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Has anyone used tenant address tracking
Hi all, I am currently in the process of gaining possession of my property. I am awaiting the possession order and the appointment of a bailiff. The tenant has stopped making payments since February. I intend to file a small claims case; however, I am unsure of the tenant’s current address, as I suspect they no longer…
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Over £4000 due to Guinness immediately?
Good afternoon everyone. I'm sitting here in disbelief. I own my flat, and Guinness is the freeholder. I pay a service charge each month. We had Major Works to the building last year, and accordingly the service charge was raised for a while. I remember getting statements about it, all seemed in order. Then this afternoon…
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9 month transaction, go away Saturday and need to complete
Hi I’ve been buying a flat and the transaction has taken 9 months. FTB, no chain. I have a lot to say but will keep it short. I am due to go away on Saturday for 2 weeks and then my solicitor is away for 10 days, this will take it to July. The solicitors are currently negotiating a term that needs to be agreed before…
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Factor company sending final notice letter despite bill being paid
I’m in Scotland and my factor company have sent a final notice demanding payment of over £200. Thing is I paid already under the old account number. I was due to move house and it fell through so I had a float and admin fee to pay so we paid it a few weeks back only they set up a whole new account number and are asking for…
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New Local Help to buy Scheme
Pembrokeshire have just launched a scheme where you can borrow up to 40% of a property value. Seems a really bad plan to me buy a £200k property with £60k “free” loan in 10 years you’ll owe the Council £90k if house prices go up at fairly typical rates.…
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Taking ownership of windows
Has anybody taking over ownership of their windows with the council as a freeholder? Have checked online and seems a hassle. It’s better for the council to do when major works are scheduled but this might be a long wait. Thanks
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DIY Land Registry, being gifted part of neighbours garden
My neighbour said I can have the top part of their garden if I do all the legal work and it doesn’t cost them anything. It’s a section about 4m long by 1m wide and full of their rubbish. There’s no mortgage on their property. I know I have to complete an AP1 and a TP1 form but do I need to complete these for both title…
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Reposit Scheme
Having recently moved rental property I have now been issued with an 'end of tenancy' report from my previous property management company. They are trying to charge me for matters which I have had no part in. I am disputing all costs but am worried that, alongside the Reposit Scheme people, they will try to take money from…
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Damaged Fence by Neighbour
The fence that is in my back garden has been damaged by my neighbour's kid it seems. I used the word seems because I didn't catch them in the act. The reason why I said that they damaged it is because they would play football in their back garden and when the ball ends up in my garden, they would jump the fence to come and…
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Getting married but both own a house
We're getting married next year but we each own a house separately. My partners house is currently being let out, and we live in mine. Going forward the plan is for he and a family member to jointly own his house and for the other family member to live in it, therefore making it residential rather than BTL. Before we go…
