-
Recommendations for Unoccupied House Policy.
Sil has Probate on a late friends estate, which includes a wee hoosie. The estranged family are threatening a challenge to this (little chance of success), and have taken on themselves to look after the property - we are currently examining whether they are doing this correctly. Anyone got experience of such a policy?…
-
Can I get a residential mortgage while my other property is on consent to let?
Need advice: Getting residential mortgage while keeping existing property on consent-to-let Currently have a property with Halifax on consent-to-let (renews annually, no issues so far - expires April, will be 3rd renewal). Still mid 5-year fix. Want to buy a new place to live in with a residential mortgage. Worried lenders…
-
How to delay the removal of a charging order until the end of the proceedings
I got a default judgment and an
interim charging order on the property of the Defendant. if the defendant makes
an application to set aside the default judgment which is granted and the claim
re-start again, I would like to know how to delay the removal of the interim
charging order until the claim is finally decided. For…
-
Adding spouse to property deeds
I'm intending adding my spouse to the deeds for our property so that we can both make use of the IHT allowance. This is our only residence it's currently in just my name and there is no mortgage. Is this something we can do with the Land Registry (we are fairly good with completing forms), or should we instruct a…
-
Stamp Duty (or not)
My situation House values A B C D A, £250 rented out as BTL/mortgage (never lived there) owned for 10 yrs B £250 " " with residential mortgage (have never lived there) owned for 10 yrs C £320 lived there 10 yrs - residential mortgage D £580 - moving there with residential mortgage and the sale proceeds of C and B (tenants…
-
Service charges? I don’t ask for them but should I?
I am the freeholder of a building made up of four flats. I own two. The other two are leasehold.there is no ground rent. I don’t ask for service charges because we split the building insurance in four (i pay half and they pay a quarter each, as i own two flats). Any Maintanence that involves all flats we just split a…
-
First time buyer status & property inheritance
Keeping this brief, Parent has passed away. Property, owned outright, has been left in the will to 4 children with the provision that the parents partner can remain in the property for as long as they wish. 3 of the 4 children currently have ftb status. 2 of those are actively house searching and have deposits in LISA'S At…
-
Income verification for Self Employed
Hi there, I’m trying to rent a house and am self employed. My last years company accounts (directors salary and divs) are about 26 x rent, and I know I need 30 x rent, to prove income. Do you think they’ll accept an accountants reference instead? I also haven’t put in my Self Assessment tax return yet as it’s not due until…
-
Address not listed
We are currently buying a house. The address isn't listed on any comparison sites or postcode finder. It's currently an Airbnb so not paying council tax. Could this be the reason?
-
Neighbour has a rat infestation and wants to alter my drain
I live in a mid-terrace home and the neighbour has had a rat infestation over the past year. They’ve approached me 3x now to say that it started after I renovated the inside of my house (no extensions, no disruption to plumbing or drainage). I have no signs of a rat infestation, nor does my other neighbour (end of the…
-
Buying a flat with several Section 20 notices
Dear all, I have had an offer accepted on a leasehold flat, and found out a few weeks ago that several Section 20 works have been announced on the building. Sellers have offered a discount just over the "estimated" costs of two of the S20s, with a third one due later in 2026 saying I should take care of that. So far so…
-
Mortgage free move to cheaper property. Process?
Hi, thinking of moving but it has been over 30 years since we have done this and back then, we had a mortgage. This time, we are lucky to be mortgage free and have been for some time. Current property worth approx £250K and looking at similar type of property further North in the UK which would be around £220K. In my…
-
Will adding children to property title under the 7 year rule affect childs LISA
hi there just wondering if I add my kids name to a property we own outright and they become registered owners, will that affect their LISA as technically it wont affect mortgage status as they still wont have one ? many thanks for the guidance.
-
Moved: Accidental landlord - first steps
This discussion has been moved.
-
Any point trying a third estate agent?
My house has been on the market since February. The first estate agent I used has offices all over Kent with an office in my village. They handle a lot of local house sales and I've used them in the past a couple of times with great success. However, this time they got me just one viewer in three months. They actually…
-
Helping my brother with equity release
Hi all, I'm new to the forums. I have an odd situation that I need help with. There are financial elements to the problem amongst other issues which may become apparent. I am 60 yrs old. My brother is 64 yrs old. Our parents died some 15 yrs ago. We were left a house and a reasonable inheritance each, split 75:25 to my…
-
Buying a 2nd house for a child to live in.
We have a 20 year old son who needs to move to another town for work. We are thinking of buying a flat (part cash part Mortgage) for him to live in with him paying the basic bills. What would be the main pitfalls of doing this, we would buying the flat in our name. I am aware that some BTL mortgages do not allow family…
-
Any one experienced with RICS Level 2 Survey - Damp
Hi All I need some advise please, House was built around 1930s, all rooms are find and no damp except for under stair cupboard which extends to the end of the wall. around 4m long altogether, Start of this wall, there is no damp/ damp meter shows single digit reading however under stair case is a bare brick wall which has…
-
Garden, but no garden.
As a cash buying, no chain buyer, I have been attempting to purchase a particular vacant property since the beginning of July 2025. I understand the sellerto be a housing association. Whilst an unusual property, in that it has been altered, it was advertised with a rear garden (albeit currently a paved slab area). At the…
-
3-5% Radon
We are currently buying a property which has the radon reading of 3-5% on the environmental search. After looking at the UK government map, it seems that lots of areas have it from the Peak District & Derbyshire Dales to Yorkshire Dales. If we move in and do a test, what works would need to be done.
