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Is it better tax-wise to have all bills included in the rent or bills in the names of the tenants?
Hi all. Hope this is in the right part of the forum. I have a house with 4 bedrooms which I rent out to 4 separate tenants. To date I have been charging a monthly rent that reflects the fact that all the bills are in my name. Last year my income tax bill tripled and I believe this is because HMRC's rules now result in tax…
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Porting mortgage with recent defaults & significant debt
We are with Skipton Building society. Never missed a payment would like to move to a cheaper property (bought our current for £310k & mortgage is £263,000). We’ve seen a property for £280k but in the past 12 months I have had £60k of defaults from credit cards & loans, added to my credit file. Obviously did not have these…
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Imminent marriage - house not selling!!! - HELP
Hi there, My fiancé and I own a house each, located in separate sides of the country - Our plan is to sell his and for his to purchase another one nearer to me. We are getting married in may next year - my husband to be is trying to sell his - but in the current climate we are not getting any interest. so we think we will…
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Payment of stamp duty and legal fees from equity?
We’re selling our house for £450k. We have £240k left to pay on our mortgage / £210k equity. We’re buying a new house for £420k. Our mortgage lender (HSBC) has said we can ‘port’ our existing mortgage easily without needing to do a full application. I’m a bit confused about this as the purchase price of our current house…
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How to buy?
Is it worth me trying to get a mortgage when my income is only around £500-700 per month from self employment, received in USD not GBP? I also receive £1000 in benefits/child maintenance which will both end in 2027. I can afford to buy the property outright but would ideally like to unlock money in a LISA. Would I be…
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Renters Reform Bill (as it stands September 2025)
If I, a landlord, find a bona fide, large, established Company tenant (where the Company would sign the tenancy agreement for their named employee plus named family members to occupy the property) for a 9 month fixed period only, would this situation fall OUTSIDE the Renters Reform Bill Assured Tenancy arrangements? That…
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Buying and selling
I have been worried by Angela Raynor! I own 3 buy to let properties (having extended their leases but careful not to exceed the £40k annual threshold), and am currently selling my main property (not one of the 3) and buying another home to avoid the additional SD tax on this. So far so good I think, but just to complicate…
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Have I made a mistake contacting building control about planning ?
My dad passed away the beginning of August. We are going to have to sell the house. It has a third bedroom loft conversion done in the 1970’s. We cannot find the plans etc. I phoned and spoke to planning and they have told me how to look in the archive. I contacted building regs and they told me to email which I did. They…
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Son temporarily coming home to save to buy house
Hi My son wants to save to buy his own home and is currently renting. I understand the issues about him being registered at our address etc but we took equity release on retirement and were told nobody could effectively live with us. He is hoping a year will be enough time and really doesn’t want to live here permanently.…
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First time buyer stamp duty
Hi, I am a first time buyer but my partner is not. If I buy a property for us both to live in do I have to pay stamp duty because it is a home for both of us?
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Can i allow my Son & Family to live in my 2nd home rent free ? No mortgage.
I have previously rented my 2nd home (no mortgage) to my Son and his family, but I now intend to cease charging rent. They will maintain and improve the property. Are there any tax implications ?
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Encroached or Not?
I recently had my conservatory roof replaced at my semi-detached property. The work took place over a 3-day period. From the very first day, my neighbour stormed round to my place to give the installation engineers hell, alleging that the guttering around the conservatory they'd installed, had encroached unto his property…
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SDLT and NPV
Hello, So I purchased a property in 2016 and at the time my solicitor worked out no stamp duty was due as It was a shared ownership plus I had first to.e buyers relief. I'm trying to get a better understanding of these kinds of topics etc. I understand as my share was £105000 and I opted to pay in stages the SDLT on my…
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Planning Permission
Hi everyone, I am in the process of buying a house, but my solicitor has only been able to locate conditional planning permission for the property. As a result, they have requested a full residential structural survey and an indemnity policy. Is this sufficient and could we face issues if we decide to sell if we want to…
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Approved Inspector not responding
I live in a Victorian conversion. The downstairs neighbour (who also owns one room at my level of the house) is doing extensive building work. A couple of months ago they removed most of the external guttering and pipework. I asked that it be replaced ASAP but they've been fobbing me off. I now have water coming through…
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InfoTrack eCos Onboarding being used by my solicitor
It's been over 30 years since buying a house and I'm now in the process of buying my flat. My solicitor tells me that their firm has switched to the online 'InfoTrack eCos Onboarding' system which is to verify my ID, proof of address and source of funds. Has anyone else used this system and is it used to pay the deposit…
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Section 52 indemnity
We are in the process of selling our 1850's house (not listed), we thought we were very nearly at arranging exchange and completion (1st time buyer and we are moving out), Been on going since middle of May. We have already agreed an indemnity policy, because we had 2 composite doors installed recently (a friend of a…
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Solicitor Account
Hi there, In the final stages of purchasing a small commercial property. Will need to send full cash funds to the solicitors client account v soon. Nothing has occurred to cause real cause for concern, just a bit of the heebie-jeebies when thinking about transferring the full lump sum to their account. The solicitor is…
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Is it possible to restrict to a SMALL CLAIMS COURT ?
hi everyone, quick update. I want to lodge legal proceedings in the small claims court, however total expense I have paid to date is about £16,000 and a number of issues 1. All NO WIN NO FEE solicitors, say its below £50,000 and not worth their time 2. I am told if I restrict it to a small claims and insist on £10,000. Its…
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What can I do to reduce the noise I hear
I am looking for some advice, I live in an end of terrace house. I can hear my neighbour running up and down the stairs, slamming doors. Is there a way I can reduce the noise? I was thinking of getting soundproof room dividers but not sure if they will work.
