-
Lifetime ISA changes - is it still worth putting money into it?
I opened up a lifetime ISA to begin saving for a first time house. With the potential changes to the LISA and uncertainty around it, is it still worth putting money into it at the moment or should I put my payments on hold until there is further clarity around it all? I'm still trying to get my head around it all and want…
-
Does a TA6 form carry any weight if problems are undisclosed?
Hi, A friend of mine purchased her first property in March 2025 - a leasehold ground floor apartment. Her Level 2 survey completed in Dec 2024 picked up evidence of a chemical injection damp course to the rear of the building but also noted that '…the walls are generally true,and no serious issues were noted, however,…
-
Level 2 survey showing
We're in the process of purchasing a house that was built in the late 50s. We had a level 2 survey carried out that has said there were significantly high readings in two areas. One a room to the front of the house that was an extension around 20 years ago, for whatever reason there was no heating out into this room other…
-
Subsidence due to broken drain
I have a lockup that has a big crack to the brickwork that looks lie subsidence, i recently noticed the public path directly outside has a large void underneath where the soil has been washed away, there is a manhole about four feet away that has a broken drain pipe which looks like it is about to collpase. I have…
-
Council Housing Advise Needed Please
Hi All, Long story short, my sister, with her 4 boys (6, 10, 10 & 17), currently lives in London in a council-subsidised rental property. She moved there from Northampton 2 years ago via the home swapper. Unfortunately, she was told a few lies regarding the costs there, apparently from the person she swapped with, so the…
-
ST1 or adverse possession?
Hi everyone We are intending to purchase a property in England where sellers have part of their garden which is not on the title plan. They have sent us a filled ST1. I am now wondering whether they should submit the ST1 to Land registry and/or apply for adverse possession or would it be upto us to apply for adverse…
-
Complicated scenario
Hi I am living with my partner in his home since Sept. Before that i lived in my parents home as their carer from 2011. I was divorced at that point and used the proceeds towards a buy to let where i have never lived. If i buy a home with my partner we would be moving from our main residence to another main resdence not…
-
Just realised freehold wasn't transferred!
Hi all, We bought a house 12 years ago. The sellers had 50/50 shared ownership with the housing association. On completion our solicitors arranged for them to purchase the freehold and then transfer it to us. We have documents explaining this was going to happen, but can't locate any final confirmations (House buying isn't…
-
Buying house with a restrictive covenant to maintain retaining wall next to train tracks
I am in the process of buying a house directly adjacent to train tracks. The house is a leasehold with 3 separate leases; 1 for the house and back yard, and 2 for the garden, all adjacent to the train tracks. The covenants / legal obligations of the lease say that '12. You must maintain the retaining wall at the property.'…
-
What type of loan/mortgage would I need?
Good Afternoon, I hope you can help me. I currently live with my mum in her mortgage free house in Havering and are looking to downsize to a new build out in Essex. When we put the house on the market July last year, we were expecting £575k-600k for the house and the house we want to move to was £550k so not an issue with…
-
Renter right bill -landlords question
Hi , am trying to FULLY understand the forthcoming RR Bill. experience landlord -albeit i use letting agency to 'do the tenancy agreement and am just doing a new tenancy agreement for new tenant. My understanding is that although ten agreement is being written before the RRB-the new clauses still become effective from May…
-
Right to rent
My friend is thinking of renting his flat to a neighbour's brother. His brother is in the UK on a refugee visa. He is an Iraq national and his home office travel document states that he has the right to stay in the UK until 12.08.2026 My friend is happy to rent to him and if he has to leave in August, he will put his flat…
-
Proposals for ground rents to be capped and a ban on sale of future leasehold flats
Hot off the press today, and of interest to existing and future flat holders alike - https://www.theguardian.com/money/2026/jan/27/leaseholders-england-wales-ground-rent-cap-250-a-year#:~:text='If%20you%20are%20a%20leaseholder,them%20of%20hundreds%20of%20pounds. On the flip side institutional investors such as pension…
-
Deed of Trust - Advice needed please
Evening all, I am getting mixed responses when im searching my situation online. In short i own a home which i rent out on a consent to let basis (i am armed forces), this is my only home which i plan to live in when i retire. I have a £85k mortgage and i purchased it as a first time house with stamp duty relief. Me and my…
-
Renting out my house air b & b
I am looking to rent out my own house air b & b and am looking for any websites with advice on what is required etc.
-
Residential planning permission - can I install a lodge
I’ve seen a plot of land with residential planning permission granted but would like to purchase a high-end lodge to live in rather than building a house. Would this be permissible. TIA for any advice
-
SDLT for non-uk residents - SURCHARGE QUESTION
I live abroad so not in UK. I used to have a house that I let out in UK but I sold that two years back. Ive been away for 5 years. I want to buy a new house in UK to move back soon.325k house. I can see that I have to pay a surcharge for being a non UK resident but might be able to reclaim that if i do move back. But there…
-
Sell with planning permission or without?
I inherited a rental property around 5 years ago with a protected tenant. A fairly unique situation in that I am the third generation of my family to be the tenants landlord. Sadly, the tenant has now passed away and I find myself with vacant possession of a property 30 miles away from me that is on a large plot in an…
-
Waiting for exchange - strange enquiry. please help!
Hi all! We are currently eagerly (impatiently) awaiting exchange for the property that we are selling. In the third, and hopefully final, round of enquiries that the buyers’ solicitor sent they have requested the below information: * Our search reveals the below Land Compensation Charge. Please provide evidence that this…
-
Reviews of Exp UK Estate agent for buying
Anyone bought a property via Exp UK? I've read really bad reviews around how they basically encourage bidding wars, e.g. telling a buyer their offer has been accepted, then going back to other buyers and asking for best and final bids. There's an open day on a property I want to view, and I'm told there's already a…
