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Threatening letters to previous owner
Not sure if I'm on the right forum here, but... I moved back from England to N Ireland to retire on 31/8/17,
and bought a house here, from a family I’ll refer to as “F”. I have no
mortgage. Since then, I have received an endless stream of letters
from an outfit in Chester called The Mortgage Business (TMB), addressed to…
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Selling our flat - our buyers mortgage
Should we be worrying? The transaction on the sale of the flat, everything has been confirmed as satisfied by the solicitor but we await our buyer to get his mortgage. He owns his own business so I suspect getting an offer can be more difficult We are also purchasing and on the purchase, majority of things are satisfied…
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Selling a property; unsure of deductions 😔
Due to a family issue I have to sell my house (currently being rented out) and as a newbie to this I was hoping the more experienced of you could advise as to my position/my expectations re sales. Facts: bought in 2004 and lived in til 2008. Moved out in 2008 to current property and rented the initial property. Mortgage…
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Offer query on 130k
I'm a first time buyer and I've spotted a house I'm interested in that was reduced to 130k 2 weeks ago. It was purchased in 2021 for 98k, the kitchen appears to have been slightly upgraded with painted doors and new sink but doesnt seem any other changes. 2 bed semi detached with driveway and garage in North East. The…
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What percentage of deposit should I deduct
Lodger left huge amount of stuff in room and a lot of mouldy food in fridge. Didn't clean and left loaned bedding dirty, crumpled and stuffed at bottom of wardrobe.What percentage of lodger's deposit should I deduct?
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GOOD IDEA TO BUY?
I have managed to get a buyer for my flat so I am looking for something to replace it. I have seen one I quite like which has been on the market for a while. I think it has been rented out. The building has an EWS1 B1. I have asked the agent to ask the buyer whether he has a qualifying leaseholder certificate but haven't…
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Removing a Bankruptcy Notice From Land Registry Title
Hi I am currently in the middle of selling my property and it has come to my attention that the below notice is against my property, and that it needs to be removed in order to complete my sale. I`m worried that the buyer will pull out if not removed urgently. I have no idea what it is about as I have never been made…
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Shared Ownership- Platform Housing
Hi, does anyone have any experience of buying shared ownership with this organisation at all please?
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Fence ownership
I wanted to check if I have interpretated my Title plan for my house correctly I have red edging on the left hand side of my garden fence which subtly overlaps the fence, so I think thats my fence, however it does overlap the right hand side. So is that my neighbours responsibility? Neither have a T mark oddly. However…
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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…
