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Stamp Duty Question please
My son is buying a flat. He has been renting up till now. However, a few years ago he inherited 1/4 of a cottage, which was sold & he is using his share of the proceeds as deposit on his flat. So my question is - is he still a first time buyer? thus exempt from stamp duty up to £300k . Or does briefly owning a share of the…
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Right to Buy - why wasn't I informed?
Hello, I am a tenant of 19 years in Leeds. I have put a lot of money into my home and wanted to do the Right to Buy, which I started on 1st November, 2024. My ex husband then passed away unexpectedly and a whole host of other things. I went to continue my right to buy application to find that the discount had been changed…
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never seen this before
A residential property in our area is been offered by an established estate agent with an asking price of £245000 . It also advertises the fact that it has already received an offer of £200000 and anyone wishing to offer more should do so in writing. Anyone ever seen this type of sale before and also if the displayed…
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EICR Certification when selling a buy-to-let property
Good afternoon, I am currently in the process of selling my buy-to-let property after my long-term tenants (since 2017) moved out in April 2025. The buyer's solicitor has sent my solicitor a series of questions one of which is to share an EICR certificate. I had an electrician recently do the various checks and the EICR…
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Renting out privately or via an agent
Can someone give me the brief pros and cons of renting out a home privately vs using a management agent? A family member is considering renting out their home whilst they live abroad for a year and they think it's a simple task to do it privately and get one of the family to manage it for them. I'm not so sure that's the…
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CGT
Can someone help please we are selling our second house and we will have to pay CGT. We had in 2012 a large decking area with pagoda installed at the cost of as I can remember about £8500, but I do not have a receipt I have tried to contact the builder but he has since gone out of business?.
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Is this planning approval in1974
The house we own had an extension (less than 3meters) in 1974. We have the original plans with the stamp from the council on. Is the stamp approval of the plans? (Although today you can build an extension less than 3 meters) Or is the stamp, to say they checked the extension?
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Gifted Deposit Bankruptcy Check outside the UK - Worried!
Hi all. Posting here as I'm deeply concerned (hopefully wrongly so). We are buying our first home in the UK, my french-native mother-in-law gifted us a sum to help with the deposit. Here's the impasse. Lender wants confirmation that the giftor (french) has passed bankruptcy checks (or the french equivalent). Lender says…
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GIFTING MONEY TO HELP WITH DEPOSIT
My daughter and SIL are buying their first house and I am
gifting them £6000 to help with the deposit. Can someone tell me why I have to jump through so many hoops
to gift them this money. I have to provide to their solicitor the following: My last six months payslips The last six months bank statements from the account…
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Websites/Companies Buying Homes for Cash
Hello I'm considering moving house in the next 6-12 months (my current home is a first-time buy so this will be the first time I will be selling and buying a house) so naturally have been doing some research - e.g. market values, average selling times, typical fees etc. A few google results popped up with websites and…
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Survey report points - maintenance jobs?
We arranged a Level 2 survey to be carried out and the report came back very positive; the property is structurally sound and nothing is falling apart or requires urgent, major work. There were a few minor issues and I'm wondering if I would be right in thinking that all the things below are just things we should absorb…
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Indemnity insurance for extension & drive
Drive was fitted in 2016. Block paved with a drain running along the end. Should we have had planning permission?? Or is this just for permeable? When we bought the house in 2013, an extension on kitchen was done in 1974. No building regs, we just have a copy of plans stamped by council. ( Our seller got an indemnity…
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Boundary issue - vendors backtracking - advice please!
I posted a thread a while back, which might be useful: Changing title plan - boundary issue. — MoneySavingExpert Forum But in short, neighbours nabbed a piece of Land 20 years ago about 2 feet in length and quite narrow. Vendors agreed to cede the land and have the land registry updated to reflect this change. Mortgage…
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Leasehold flat
I own a leasehold flat. The freeholder passed away 6months ago. No one has applied for probate.my lease states freeholder is responsible for house insurance which has run out and not been renewed. all communication with daughter has been jgnored what can I do as without probate I cannot sell my flat.
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Require Right to Manage Advice
Hi everyone, Newbie here asking for desperate advice. I am a Leaseholder, one of four flats. We have a service management company, who are charging us exorbitant charges for hardly any decent service. When any work is done, it's poor & the contractors appointed are 'cowboys'. When I complain, I am always 'Gaslight' that…
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Freehold house with leasehold driveway: what could go wrong?
I've recently viewed a house to buy. It's one of a block of 4 new build houses, each with their own freehold, but there is a shared driveway which is leasehold (999 years) and for which the freeholder is a major land/estates owner in the area. I'm aware of the pitfalls of leaseholds in general but what sort of thing can go…
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Student Council Tax Advice
My son has recently completed his degree course - his course finished on 14 June. He lived in a shared house with 3 other full time students. The tenancy agreement ran until 22 August. One of the students was a foreign student and has now returned back to Spain, the other 2 students failed the year and have now got to…
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Lodger's rights to guests
My girlfriend has a lodger agreement with her landlord. My girlfriend's sister will be visiting from Australia soon and her landlord has refused a request for her to temporarily stay in the property (in my girlfriend's room, which she has exclusive rights to under the lodger agreement) as a guest for part of her stay in…
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CGT on selling rental property
I bought a rental property in 1993 with my husband for £78,950. In 2011 It was transferred to me on divorce valued at £215,000 I am now planning to sell it hopefull for about £250,000 How do I work out my CG T liabllity when it comes to paying the tax? Thanks
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Complicated issue in housing association housing
My mother lives in sheltered and my brother stays with her a few nights , his living situation isn't great so suits both parties as my mum is in poor health. My brother is an addict and a 2 years ago he wasn't in a great place and there were incidents of him borrowing money of neighbours. Police were involved and he was…
