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Capital Gains Tax question
My property was purchased in 2018 and I have been renting it out since June 2025 (whilst I live with my partner). I'm now in a position where I could sell my house and I'm trying to figure out if I will have to pay CGT or not? The property is my only property (my partner owns her house). CGT tax rules suggest I may be…
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Landlord mould advice...
As a landlord I am trying to address mould in a 1980-90 terraced property. The tenant is in situ. I have 'educated' them WRT ventilation etc. However I am really struggling to know where to go to for trustworthy advice. I am thinking additional loft insulation and cavity wall insulation etc. but not really sure. The tenant…
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Removal from freehold
Some advice please. My now ex-wife and I bought a property a number of years ago whilst married. It was a maisonette within a block of four and as such was both a leasehold and freehold. After getting divorced, I was removed from the deeds and the leasehold but the bank have constantly refused to remove me from the…
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Public sewer
Hello, I'm in the process of purchasing a property and the drainage search has shown that there is a public sewer running through the garden of the property. Have attached the picture from the search here. As you can see, it looks like this runs under where the property has been extended and also slightly across where we…
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Future sale of property with 57 year lease
I have just discovered that my parent’s bungalow is leasehold with only 57 years remaining. At the time of purchase, in 1986, they couldn’t afford and didn’t consider buying the freehold. As they are both in their late 80’s now when they pass away the time will come when a sale will have to be made. How would the short…
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Moved: Do I need to buy actual gold?
This discussion has been moved.
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Buying a leasehold flat is such a horrible experience.
To get any question answered requires a chain of like 3 or 4 different people. Me > my solicitor > sellers solicitor > seller, then it comes back sellers solicitor > my solicitor > me. God forbid I have a follow up question... And sometimes it can even involve a 5th party, the management company. The whole process just…
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Divorce settlements vs SDLT (Stamp Duty)
I am in the final stages of a divorce, Part of the divorce settlement includes me buying out my wife from the marital home, I am re mortgaging the property with a new lender. I have received a completion statement from the new lenders conveyancing solicitor with a list of charges as long as my arm! Amongst these charges is…
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Leaving flat tenancy
Hi I have recently just left the flat where I have been renting for a number of years. On the day of the check out the cleaners were delayed in completing the end of tenancy clean. I had booked the check out after their estimated finish time but they overrun. This meant that when I went to do the check out and hand the…
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Draft land transaction form help
We're buying a new home before selling our current home. We will not be selling our current home until we've decorated the new home but we're hoping to be able to claim back some of the stamp duty paid if we sell within the next thirty six months. My solicitor has just sent through a draft stamp duty form, should I should…
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Shared Ownership and Land Registry Title
I am selling my shared ownership flat, it's proving to be a nightmarish project with delays and incomprehension with solicitors from both sides, even if it is a chain free transaction. Conveyancers from buyer's side are now saying that the land registry title doesn't show I had staircased from 35% to 50% (I did this at the…
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Initial two weeks rent on housing benefit
My Granddaughter is 22 and a single mum. Last week she was offered a council flat having been in sheltered accomodation. The Council pays her rent. On the Moday she received an e-mail, the important bit for this states; “You will
need to make a payment of £XXX by
clicking HERE (equivalent to
two weeks’ rent and service…
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Sinking fund on exit; how common / unusual?
England. Ordinary leasehold. Not retirement. Instead of paying monthly in the lease for this building, leaseholders pay their sinking fund on exit. It’s 0.5% of the market value per year. When selling the property there is a payment due to the landlord of 0.5% of the market value of the premises for each year of…
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How much should we offer?
Hi all, new to this thread and indeed the housing market in general, in need of advice. Myself and partner and are both mid forties, in rented accommodation but landlord is selling. We are currently searching for 3 bed properties as we have children at home. We have already had our fingers burnt by offering on a house at…
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House selling- what am I doing wrong?!
Just after some advice regarding house selling! My house has been on the market since end of September, initially lots of viewings but I've had nothing for the last 8 weeks. The feedback I get is nothing I can improve on it's normally "we've found a different house" etc. For context, it's a 3 bed end of terrace with 2…
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Private landlord
We have a tenant in our property. We need the property back for family (landlord) to come live in for a year or so. How can we legally get our property back for landlord to move in??? Landlord wants to move closer to family? Any help appreciated. Thanks
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Defacto tenant eviction problem
Need some advice as to the best course of action to evict a tenant. The tenant was originally a lodger in my wife's bungalow but became a defacto tenant as sole occupant when my wife and I married and we live together now at our separate matrimonial home. The tenant has let the property go to rack and ruin and neglected to…
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Undergoing a pre-tenancy check with a Housing Association and not sure how to answer ASB question
Hi all, I have had some success with a council housing bid, and the Housing Association is now doing a pre-tenancy check. I suffer from chronic pain, and a few months ago it became overwhelming, which resulted in my crying out in pain on the odd occasion. This is the first time this has happened in my history of being a…
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Would you buy a house with an internal manhole and drainage issues?
Hi everyone, My partner and I are currently in the process buying a house we really love, but there are concerns and we would really appreciate people’s thoughts—especially anyone experienced with drainage or buying homes with legacy work. Key Findings * There’s an internal manhole that ended up inside after an extension…
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Mortgage insurance first time buyers one with health issues
Hi My son and fiancee are in the process of buying their first home. DS has Crohn's disease and had Lymphoma 6 years ago, which he has completely recovered from. They need some advice about life insurance and mortgage protection insurance (if that is even possible). Where is the best place to start with this?
