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Transfer of Equity Early Repayment Charge
Hi all. I am recently married and I have just sold my home and transferring the equity into my wife’s home. I'm currently going down the legal process and the bank is happy for me to go on the mortgage of my wife. I am putting in a lump sum to pay the mortgage down. The question is on ERCs. We are staying in the same fixed…
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Alloa or Falkirk to buy a house?
Hi everyone, I’m in the middle of house-hunting and one of the areas within my budget is the west side of Alloa. To be honest, I’m feeling quite anxious about it because when I search online, I keep finding very mixed opinions. Some people say to stay away, while others talk about friendly neighbours and the nice…
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Ownership of land
Hi.Could you please advise?We have an ltd company together with my husband. He owns 510 shares and I own 490shares.He bought a piece of land with company money without my knowledge and now he claims I don't have any rights to this piece of land.Is he right?Was he able to buy this land without my consent?Thank you
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Boundary issue
Hello, we received an offer on our house and accepted it. We are now roughly half way through the whole process and our buyers are questioning the boundaries of the property. We live on a new build estate which means we don't own the front and side of our house - we pay a service charge for this. The estate agents knew…
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Staircasing seller failed to update land registry help
Vendor has failed to update land registry after staircasing from 50% to 100% - so now I am as a buyer waiting for them to update this before moving forwards - how long is this expected to take - other side of Christmas? England
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Colours on title deeds
Hi, Would anyone be able to offer suggestions regarding the colours on my title deeds please? This is the section of text that relates to colours in my title deeds (but they don't correspond to the actual colours on the image!). The house was built in 1929 and owned by the same person until I purchased it in 2016. I want…
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Fixed Term Tenancy
I need to move to a bungalow due to health issues and I have submitted a GP letter to the estate agents. I am now being told because I renewed on 17th August 2025 that I will have to pay rent and bills till a new tenant is found, is there anything else I can do?
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Exchange and complete on same day
Cash purchase, empty property, not moving in immediately. Vendors are pushing to complete quickly, solicitor has suggested exchange and completion on the same day, with me transferring the money online in stages for several days in advance. Is there anything to be wary of in this scenario or is that a typical approach in a…
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Renting - a mental health and bedroom question
I am applying for housing with the council. At present I live in a one bedroom place. I have a wonderful variety of mental health issues and when I get really down, or I am heading down I need someone to stay with me to help me. This is why I'm moving mainly, to get a two bedroom place to facilitate this. Am I likely to be…
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Shared Ownership Improvement Valuation
I have sold my shared ownership property SSTC but am now stuck. The valuation gave two figures, one before improvements and one after as I benefit from any value added rather than Orbit (the HA). This is a £15,000 price difference. The problem is that this figure we’ve just been told has to be paid directly to me and is…
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Restrictive convenant - tree removal
We have just moved into a property which has a large tree in the front garden. We are looking to do an extension in the new year which will require the tree to be removed. In our deeds there is a restrictive covenant which says: “No trees or shrubs now standing or afterwards planted by the Transferor on the land hereby…
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TR1 name removal from deeds - How long does it take using a solicitor?
I am recently divorced I am still residing in the family home I am unable to complete on my new house purchase until I am removed from family home deeds. We signed TR1 form last week and have given to solicitor. Does anyone know how long it will take for my name to be removed so I am able to proceed with my house purchase?
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Downsizing for retirement
Hi MS Experts, My discussion title may be misleading but best I could do! I'm M(54) and wife 52. We own a house valued at £700k with mortgage remaining £60k 4.71% interest We also have a rental flat valued at £270k with £162k BTL mortgage remaining 5.42% interest Rental income pre tax £1160. Lastly we have a £43k loan…
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stamp duty when purchasing house - complex deeming provisions
I have a question that might effect many people when they are acting as executor for the estate of a person who has died. As executor you are a trustee for the estate including any property that was owned. You can for example as executor invest any money during the duration process of winding up the estate so that the…
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Pink shaded part in land registry what does it mean
Hi We are in the process of buying a property with a view to renovate and extend Came across a link shaded area on the registry and even after having paid for downloading those documents can't understand any conenants any suggestions please?
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Service charges
Some leaseholders in my block haven't paid their service charges for quite a while and it's amounting to £10,000's. The management company have demanded the other leaseholders pay the difference. I pay all my service charges in full and it's very unfair the prompt payers have to pay for their mess. I told them in March I…
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First time buyer
I am a first time buyer. My husband bought a property in the 1980s then sold it in the 1990s. He and I have been in rented accommodation ever since. If we buy a property together will we have to pay stamp duty? If I buy the property in my name only but it will be a home for us both will I have to pay stamp duty?
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potential scam on rent charges
hi all I would like to give some Facts of a potential scam that is going on in my area. I would like you to read it and raise awareness in case similar happen to you. * In 2015, my wife purchased a property in south east England, registered solely in her name. The title includes a restriction known as a "Deed of Rent…
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Two offers but agent saying not offers!
We have had two offers on our house. Both over asking. One from a party that has a buyer, a chain of 3-4 with the end being a FTB. Our agent is saying it is only an offer in principle until the FTB at the end of the chain has the mortgage confirmed. Is this right? Can we really not accept this offer until the whole chain…
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Unable to find lodgers, is this a dead period?
Hi, Two weeks ago I published my ad on Spareroom but I've received interest only from unsuitable people (in particular I wrote very clearly "no couples" at the top and at the bottom and guess what "we are a couple searching..."). The price is slightly over the others, but justified given the size, the comforts, the…
