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Proof of funds for estate agent.
Hi all, Have tried searching to no avail and asked in my first time buyer thread but easily missed in there and not had a response...so... As well as my mortgage in principle, the agent has asked for evidence of my deposit. Because I'm using a LISA this is a slightly complicated picture in that most of it is in my LISA and…
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Disrepair claim
Hello. Im hoping someone can advise me. I started a disrepair claim with a company called McDermott Smith Law Ltd around June 2024. However this company went into administration last year. I thought nothing off it and thought my claim was no longer valid. But someone called me on Saturday the 13th February, claiming to be…
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Last minute paperwork might delay completion
We completed on the sale of our previous property just before Christmas and the week of completion was a nightmare with the solicitor’s compliance team spotting a missing yet important piece of paperwork at the last minute. I managed to get my management company to produce the paperwork and dropped it off personally to my…
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SDLT
I had a house that I lived in for ten years, after which I let it out for 5. I lived elsewhere with now wife who owns a place. If I want to buy a place now, can I reclaim the high rate stamp duty as I have sold my own house less than three years ago. Or am I not eligible because I let it out towards the end of my ownership…
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Additional Property SDLT
Hi, I own a flat that I’ve been trying to sell for the past 3 years, but due to cladding issues I had to rent it out instead. The cladding work has now been completed, but it caused significant leaks which are taking a long time (over a year) to fix. As a result, I can only rent one room, and the affected room remains…
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Transfer in part
I am in the long process of trying to exchange/complete on a house after completing on mine on 12 Dec. In summary, Mr & Mrs developers bought 2 cottages & transferred part of cottage 1’s garden to cottage 2. I am trying to buy cottage 2 & cottage 1 recently exchanged & completed. They have signed the transfer in part…
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Porting mortgage with recent defaults & significant debt
We are with Skipton Building society. Never missed a payment would like to move to a cheaper property (bought our current for £310k & mortgage is £263,000). We’ve seen a property for £280k but in the past 12 months I have had £60k of defaults from credit cards & loans, added to my credit file. Obviously did not have these…
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Buying my first Flat – Concerned About Mortgage Adviser & Solicitor Costs
I’m looking to buy a flat in Gloucester for £117,500 with a shared freehold. I’ve found a property I like and can afford, and I’m now navigating the mortgage and legal side of things. I’ve been advised by a mortgage adviser (working for Nationwide) to go with a tracker mortgage, and then switch to a fixed rate once I…
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100% mortgage with guarantor
I'm wondering if there are any options for a 100% mortgage with a guarantor added to the mortgage ? All of mine and my husbands income is from benefits and child maintenance right now, this could change in the future. The guarantor would be a family member who owns their own home plus 10-15 rental properties but is 70…
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Two failed house purchases
So last year my purchase fell through as seller pulled out and this year I pulled out. So two different agents but both have now gone quiet and don’t seem to want to help with my house search. Obviously after two failed sales I may take a break and perhaps do more work on this house. Obviously I can use another agent to…
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Asbestos floor tiles crumbling
Hi. I moved into a HA property less than 2 weeks ago. The floor is asbestos tiling throughout the property. Due to my wheelchair usage, it seems as though some of the asbestos is struggling as I have several tiles that are now coming off the floor. Some are detached completely and crumbling and shattering. I am concerned…
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Estate agent fees
One of my family members is selling their house in the Plymouth area. She is a pensioner and can get easily stressed, so I have asked her to copy me in on any estate agents emails. She has had two valuations so far, both members of The Property Ombudsman, and both not adhering to the code of conduct. They have quoted their…
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Lender has requested a wall tie survey report
The lender has requested a wall tie survey report on the house I want to buy before they complete their valuation on the property. The house is a 1930s terraced house, its in good condition. Fairly modern, so it doesn't look like it needs any work doing to it. From zoopla it says it was last sold in 2021, then again in…
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Splitting the Costs of a Freehold flat
My daughters are buying the freehold of their building along with the only other flat in the property. They have a tiny studio flat which only one of them is able to live in at present, with an uninhabitable, undeveloped basement which they hope eventually they will be able to develop. The flat above is over 2 floors and…
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Buying a house built on a Landfill
Finding information about this is like pulling teeth! So the environmental search came back saying my house is built directly over a landfill for household waste. There's an indemnity policy from the previous seller. But trying to find literally anything other than what that sentence has provided is painful. I wonder if…
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Failed Contaminated land Environmental Searches
Evening all, looking for advice or past experiences regarding a failed environmental search on a property we expected to be purchasing next week! we've had our searches back and it has failed on potentially contaminated land due to being built on the outskirts of landfill. (Apparently inert waste) Our solicitors have tried…
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Declaration of Trust – how to split the proceeds when the house is sold?
A relative of mine and their partner are buying their first home. They’re buying as tenants in common and they want to do a declaration of trust to take into account the unequal contributions they are paying towards the deposit, and also to take into account future changes in the value of the house. I’ve found these…
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Renters' Rights Bill - Will it screw me over?
Hi there, I'm a student who will need to start looking for a room in London in a few months. Unfortunately, I don't have any recent landlord references, nor do I have anyone who I can really ask to act as a guarantor. I currently live off a mixture of my own savings (around £40k) and student loans. I always assumed I'd be…
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MJP Conveyancing - My TERRIBLE experience
I am writing this as I wish to share my personal experience with MJP Solicitors. They are cheap BUT....... I have posted reviews online on several places and each time they are removed (they have asked me to remove them, when I didn't they offered me £50 to remove the review and promise not to write another and when I…
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Section 106
Hi It's been a while, have been busy sadly with family bereavements and all the trauma that goes along with that. Basically, selling late siblings house, section 106 questions arise and answered all bar one (relatively new house) Cannot get an answer regarding affordable housing. My sibling never had an affordable house…
