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Shared Ownership Staircasing to 100% – Pre-2003 Lease, Resale, SDLT Linking Question
Hi all, I’m hoping for some guidance from those familiar with SDLT and shared ownership staircasing, as I’m getting conflicting interpretations. Property & Lease Background: Property in England (London) Shared ownership house Original shared ownership lease granted: October 2001 (pre-SDLT era) Lease term: 125 years from…
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Worried Parent
My daughter who's in her mid twenties has been looking for some time to buy her first home in the north of England. We've viewed many properties together and missed out on a few due to higher offers (some going above asking). She's just had an offer accepted of £220000 on a smart little semi in a decent area which she…
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What level of damp and timber survey do you need for a lender?
We have been asked to do a damp and timber survey on the property we are buying due to some damp. The house will be renovated and we were aware of the issues when buying it. A family member is a damp surveyor who conducted a survey for us and found some maintenance issues with the bay window, as well as the outside ground…
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Level 2 survey worth it
I'm buying a late 1950s house that has been completely renovated recently. Nothing concerns me with the house but I'm still getting a level 2 survey done as I just thought that's what you are supposed to do. Am I wasting time and money? Some have said I'll just get a load of if, buts and maybes no real answers about…
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Rental help please
Can anybody help me with this question please. I am on benefits and have rented successfully for the past few years, but need to move again, trouble is my bank account is nearly £500 overdrawn. I have never missed any bill or rent payments. Will a future letting agent ask to see my bank statements, or will they just need…
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Noticed cracks in brick on house we have just bought
Hi, My partner and I just bought our first house, got the keys a few weeks ago and just noticed a crack in the corner of the house (there's a crack on both side of that corner). The surveyor didn't pick this up so we are quite surprised. Either they missed it or it happened between October and now. Looks like it stops…
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Estate agent cancelled house viewing
So in 2024 I viewed a house but was told I hadn’t sold so couldn’t go ahead. In 2025 I offered on a house and sold mine within one viewing and one day. They pulled out. Now in 2026 despite explaining this to the other agent I had a viewing booked and later cancelled as they wanted a chain free sale despite the seller…
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Guidance / advice on viewing a lease please
I need to view a lease. The only way I can do it without spending a fortune via 3rd party websites is by filling in an oc2 form via land registry However, the payment required is by cheque. I do not have a cheque book! How do I submit the info to land registry please and thank you? Chat GPT has suggested e-mailing it to…
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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…
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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,…
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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…
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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…
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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…
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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…
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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…
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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…
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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.'…
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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…
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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…
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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…
