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House buying, renting & selling

For all questions to do with buying, selling, renting and letting homes.

Seller in arrears on service charges
Am buying a leashold and everything is ready except for management pack which has not been sent for 9 weeks. Just found out today apparently the seller is in arrears on service charges and management company will not release pack until debt is paid. They have passed the debt to a collector. the seller is employed and had…
Solicitor being overly invasive for proof of funds for a deposit.
Hi, i am a first time buyer and i was kindly gifted £10,000 by my grandmother to support the deposit. my solicitor is asking for lots of proof of funds, including inheritence to my grandmother from my grandfather's death in 2008. We have managed to find the will and probate from the government website but they are now…
What stamp duty due when you have inherited part of a house but you want to buy a new main residence
Hi, My Dad passed away last year and I have inherited a small portion of the house (Mum has 50%, me and my siblings got 1/3rd of the remaining 50% each). I believe I am now classed as having two properties as I already have my own home. I want to sell my main residence and purchase a new one, so that I can be closer to my…
Up keep of private road
I moved into my house 9 months ago. The house is positioned off a main road and accessed via a private road to which I have a right of way as outlined in the easement on the deeds. My house is first with five other houses set further back. My address is the same as that of the main road. Last week while chatting to my…
Land Registry Alert
I want to check the covenant on a neighbour's property (private road upkeep) and would like to purchase the title deeds. I know that property owners can register for alerts on searches. Would the purchase of a title deed alert a property owner and would my name be disclosed? Thanks
Built Over Manhole - Just Purchased
Hi All, hopefully I’m posting this in the correct section, I’ve recently purchased my first home (FTB) December 2024, the property has a 2 storey side extension which I have building reg approval certificate for this in 2007, however a recent drainage issue has brought too light that during the construction of the…
Freeholder/Leaseholder do we have to pay for a new front door we don't even use?
I live in a converted Victorian flat, which has 2 flats downstairs with it's own front door and 2 flats upstairs with it's own separate front door. I live upstairs and we do not have access to the front door or flats behind it downstairs and likewise the other way around. We are being asked to pay for a new front door…
Have you heard of CANOPY and PLAID?
I am looking to rent a property in Scotland whilst I look for a new property to buy. I have never rented at all having owned my own home for most of my adult life. CANOPY is a referencing company who provide you with a Rent Passport to enable you to provide instant credit and financial details to potential landlords. To…
Executor and beneficiary of a leasehold flat - questions about notice of transfer
As the title suggests, I have recently inherited a leasehold property in the UK. I am both the executor and the beneficiary. I don't live in the UK so am trying to deal with this from abroad, with the odd trip home. I phoned around to see if any local conveyancers could help but none seemed interested so I decided to just…
Overage when buying land.
Does anyone know about overages. We are considering the purchase of a small piece of agricultural land land but the seller insists on an overage clause for 25 years. Our conveyancer said it covers any planning permission, permitted development or building reg approval. The owner applied about 2 years previous but was…
Help! Missing Building Approval Certificate – Can’t Get EPC to Sell House
Hi all, I’m in a bit of a bind and hoping someone has been through something similar or has advice. I’m in the process of trying to sell my property and, as required, need to get an EPC (Energy Performance Certificate). However, when the assessor came, they requested proof of building regulations approval for the dormer…
Buying through Springbok properties
I have booked a viewing to see a flat advertised by Springbok properties. My initial impressions of Springbok aren't good and I would be much more comfortable with a traditional agent. The property did have an offer on it but it has fallen through. I am told this is because the buyer couldn't get the funds to purchase.…
chain problems??
Hi, We have been in a perfect storm of a chain with very anxious buyers on one side and an extremely laid back vendor on the other. The sale of our house was agreed in November last year so it has been going on for 5 months and both buyers and us have been distressed at the time it has taken. We have moved as quickly as we…
Cost of lease renewal for Share of Freehold (including CGT)?
Hi all, It feels like I've read every legal and accountancy post under the sun about this, and I'm still not clear on where to go from here. Hoping someone has good advice or knowledge. I'm currently in the process of buying a flat (pre-exchange), where the freehold is owned by '[Building Name] (Freehold) Limited', which…
Taxation of leasehold extensions
The nine leaseholders of the nine flats in a converted house wish to extend their 82-year leases. The leaseholders also own the freehold through a management company in which they each have one share. The freehold was bought by the management company 40 years ago. The leaseholders have received advice that if their…
How long is acceptable to receive a T10 form?
Hi, I sent my ID and instruction forms to my solicitor Friday morning and they told me they’d got them and everything was ok. Today my EA has chased themselves as my buyers sol is still waiting for the draft pack, and solicitor states T10 form is to be sent out in the post either tomorrow or day after…..I rang the…
When some leaseholders buy freehold, but not all
The freeholder of my relative's apartment block has offered the long leaseholders the chance to buy the freehold. There are about 40 flats. Leases have around 215 years left to run. It seems like a good deal, so there's a good chance that 50%+ will accept, but not everyone. If everyone were to take part they would…
House sale fees
Can anyone give me an idea of what costs are payable when selling a house £200,000 property in England Mainly conveyancing and estate agent fees
Transfer of equity & SDLT on subsequent purchase
Hi. I'm trying to get a situation straight in my head and hope some wise people here might be willing to confirm my understanding before any expensive mistakes are made, legals instructed, etc. I feel that this should be a relatively common situation, but searching hasn't really provided a definitive answer... Unmarried…
Need to extend lease before sale of btl - bridging loan or mortgage on home
Im selling my buy to let, it has 87 years left on the lease. Every estate agent I have spoken to has told me I should start the process of extending it with the local authority (the freeholder) so either I can sell and transfer the application and the amount it will cost known, or the lease will be extended. It will make…

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MSE News

Martin Lewis: How to call your bank with just three digits – as 'anti-scam' phone number called over a million times
One million calls have been made to the '159' anti-scam phone number since its launch in 2021, new figures reveal today (Wednesday 30 April). MoneySavingExpert.com founder Martin Lewis – one of the well-known faces most used in scams – explains how to call your bank by dialling just these three numbers.
Revealed: Holland & Barrett's supposedly cheaper 'Subscribe & Save' often costs more – it's promised a review after our investigation
Holland & Barrett's 'Subscribe & Save' scheme claims to offer regular shoppers "the best value" – but it failed to do so in the majority of cases MoneySavingExpert.com checked over a five month period. The retailer has now promised to review the scheme after our research found it was often more expensive.
Don't get your passport by post – 360,000 paid more than needed last year
If your passport is due for renewal, apply online if you can – it'll save you £12.50. More than 7 million Brits did just that last year – but over 360,000 missed out on savings by using a paper form instead, MoneySavingExpert.com can reveal.
Sainsbury’s Bank customer? NatWest takes over this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Chase customer? Check if you can get its newly boosted 4.8% easy-access saver
If you've got a Chase account, check if you can boost your easy-access savings to 4.8% – made up of a 1.8% AER fixed six-month bonus plus its standard 3% variable rate. Chase says over 2 million customers can get the boost, which would top our normal savings tables if it were open to all, though it's beaten by the top easy-access cash ISAs.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Martin Lewis: Is the £20,000 cash ISA limit about to be killed off? What savers should be doing now
Plans to cut the £20,000 cash ISA limit later this year are being considered by the Government. In his latest video, MoneySavingExpert.com founder Martin Lewis explains what's likely to happen, what the changes would mean for savers and what you should be doing now.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from 1 May. For most, this means little change for now as the Sainsbury’s brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, you'll need to move any excess elsewhere to ensure your cash remains protected.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
From Thursday 1 May, Sainsbury's Bank credit cards, loans and savings accounts will be run by NatWest as part of a deal between the two banks. You'll be moved to NatWest in the future, likely towards the end of this year, but for now the Sainsbury's Bank brand will remain and you can continue to use its products and services as before.

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