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MPowered Mortgages - paying early repayment charge
Hello I don't know if anyone else has experienced any problems with MPowered mortgages since they recently announced they are ceasing trading. This means they are not taking on any new applications. I took out a 3 year fixed mortgage with them. Now in my second year. I would like to buy a new house with another lender but…
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IVA, age - mortgage pointless??
Looking for some advice/guidance having searched previous posts, I'm a complete novice re: house buying. I entered an IVA in 2019, completed mid 2024. I'm 45 and don't yet have a full deposit saved but aiming for £15k. Earn 34k and single. I also went bankrupt in 2003 and was discharged after 9 months. Neither show on my…
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Transfer of Ground Rent and Grounds Maintenance
Part Ex’d with a developer 6 months ago. Old house was leasehold and had an annual grounds service charge. Both of which we’re due a rebate on about £100. This week started getting demands for late payment of ground rent. Ground rent company initially said they’d cancel all invoices until hearing from solicitors but are…
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Trinity Estates
Hi, I wondered how I could go about looking to remove trinity estates from managing our small development. Is this even possible? I am currently engaging with neighbours to understand their thoughts on it too but I would like to understand if this is an option? Thank you in advance for any advice
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Land Registry title expedited since July
I accepted an offer on my apartment in July 2025 (now Nov for future readers), my apartment isn't registered due to buying it as a newbuild just 1 year ago, but I expedited it right away. I have been told that there are 2 titles in front of mine (TGL625486). After chasing the solicitors of those titles, they told me they…
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First time buyers deciding how to renegotiate after survey
Hi, We are a young couple who are in the process of buying a first home. We are at the stage where we have a mortgage offer and our survey is complete. We initially had trouble with getting a mortgage with the property as the first lender wouldn’t lend due to the kitchen extension having single skin walls. The next lender…
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New Build Drainage
We live on a new build estate when we have heavy rain the sewer drains overflow. This is an ongoing issue now 4 years now coming up to five years. It doesn't affect our house but others have issues with there toilets when this happens etc. It seems we are going around in circles the developer says it is Severn Trents…
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Self assessment rental mortgage payments?
I have a rental property with an interest only mortgage of £500 per month. I understand that on the self assessment it is a tax credit of 20% of the yearly total given. Is it box 44 that I enter this in & do I put in the whole amount of £6000 or the 20% amount of £1200?
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In house buying limbo- advice?
Hi there- I know this is probably a common issue but it’s driving me a bit mad, especially with Christmas looming over us. situation in a nutshell: -we’re FTB living in rented accommodation- rented house has been sold now STC and I would expect a section 21 to be served imminently -Offer accepted on our purchase late May -…
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Property not shifting, advice on next steps
For context: I have a 2 Bed city centre flat in a major UK city (not London). There are A LOT of flats going up in this area, although being sold for huge amounts more than I’m trying to get We’ve been on the market for around 4-5 months and we haven’t had a viewing yet The agent is the best rated agent in the city centre.…
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Take property off market?
Our property has been on the market for a year now. Two sales fell through for different reasons and viewings pretty much ground to a halt over summer. The main reason is that whilst most viewers love the house its "too much work to update". Our EA thinks we should stick with the current asking price and wait for the right…
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Agency asking about renewal 5 months ahead
Hello, my 1yr rental contract only expiring end of March next year. But about a week ago the agency reached out about the renewal. should I view it as suspicious? Something in the new Tenants Bill that I am missing that could be pushing them to make me sign early before the legislation comes into force? Would appreciate…
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Estate Management Fee
Myself and my partner have really had an offer accepted for a freehold new build that was built in 2020 and we are the second owners of the house. We have been informed that there will be a £270 estate management fee for the maintenance of the estate which we are fine with but we were wondering how do we know that this fee…
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Land Registry questions
Hi everyone The Land Registry is here on our Forum to help answer its customers' questions. If you have a question pop it on here and it will do its best to help. Related on MSE: 50+ House Buying Tips Free First Time Buyers' Mortgage Booklet 2018 Remortgage Guide 2018 Ultimate Mortgage Calculator
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An interesting and alarming Leaseholder saga
https://www.sheffieldtribune.co.uk/a-london-lawyer-bought-hundreds-of-sheffield-freeholds-then-the-very-aggressive-letters-arrived/ Quite an eye opener https://mouseinthecourt.co.uk/category/andrew-milne/
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Land registry
My dad put me in his will naming me as to taking ownership of his fully paid mortgage home several years ago. He gave me my copy of the his will with the deeds to the house. But recently those documents have mysteriously disappeared. We have looked everywhere but found nothing! My 20+ nephew and his gf live with my dad and…
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Solicitor insisting on Land Registry DJP before completion - necessary or overly cautious?
Hoping for some expert advice on whether my conveyancer is being appropriately cautious or unnecessarily delaying our purchase. Situation:
Buying a property where both previous owners (tenants in common, Form A restriction) have died. Executors have grants of probate and are selling. The Dispute:
Our solicitor says a Land…
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Confusion of share of freehold ownership
We purchased a share of freehold maisonette (in a block of 2)
several years ago, at the time two other people were listed as co-freeholders and
it was thought they jointly owned the remaining flat in our block. However, it
has since transpired that only one of these was the owner of the other flat,
and the remaining…
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Selling Freehold with Estate Mgmt Fee attached - Deed of Variation - Any experience?
HI all First time poster on here, looking for any advice or for people to share their own experience. I am currently in the process of selling my property which is freehold but on an estate with an estate mgmt fee. The buyers solicitors have asked us to liaise with the owner of the common areas to see if they will enter…
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Trustgreen Estate Management
I'm looking into purchasing a freehold new build property by Bellway and like so many new developments there will be annual estate management fees. I've been informed it will be Trustgreen/Trustmgt that will be responsible for this and fees will be £144 for year 1. Does anyone have any experience of this company on their…
