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Downstairs neighbours Insurance for Renting out HMO
Hi there, We share ownership of a house split into two flats. We own the upstairs and our neighbours own the downstairs flat which they have been renting out for years. Our insurance is up for renewal and I recently discovered from the insurance company that though downstairs have registered their property recently as a…
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Best plan for moving home and things to consider
Hi All, need some advice. Moved into our first home last summer and as much as we love it, we know it's not our forever home. We got a mortgage 5 year fixed for 4.7%. The plan is to upsize by the time this is up so 2028. I'm just wondering whether it's worth overpaying on the mortage where possible or using 4% instant…
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Easement for sole use parking
The parking area at the back of my house is an easement, allowing me sole use for parking of two cars. My neighbors have the same adjacent space outside there house. My problem is that over the years, my neighbor has moved further and further over into my parking area, to the point where I can no longer fit two cars in the…
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Cracks in external wall.
Hi all, We have just offered on a house, it's come back on the market after the previous buyers pulling out due to the survey. These cracks were apparently mentioned on the survey but the estate agent doesn't know any more info. Has anyone got any idea if they are related to subsidence or a minor problem. Thanks
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Mortgage query
I’m looking to sell my house and buy a new one and have a query regarding a mortgage application. I had a credit card which I paid towards every month, not in full but more than the minimum, and eventually paid it off in March this year - will this have an impact at all on getting a new mortgage? I have my mortgage with…
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Cost of moving house.
We are looking to buy a Dorma Bungalow further down our Street. We have been here since we bought it in 1977 and have forgotten what's involved. I do understand there is solicitors fees (why a solicitor should be involved beats me) we than have search fees plus the Estate agents fees which is 1% of the sale price. We don't…
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Roof Repairs- Unaware of during purchase. HELP!
Looking for any advise please.... We have recently purchased a flat where we are now share of freehold owners, there are 3 x flats in total and 3 share of freeholds. The property is managed via a limited company that all the owners are directors of. During the conveyancing process we were made aware of the fact that the…
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Renegotiation at 8 months after offer accepted
Hi all, I am looking for some advice as a buyer. I broke the chain 23 August 2024 and now living in temp accommodation with my furniture in storage, waiting for the Title issue which was first identified in June 2024 to be resolved by the seller of my onward house. The issue They are applying for possessory title of…
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Uni house for son and 2 friends
We are looking to buy a property for my son at uni, he will have two mates sharing the flat with him. How is this best achieved. flat in our name, buy to let mortgage, HMO? seems some lenders don't like buy to let if family member is in house, flat in his name and rent a room scheme? any other ideas? new to the idea of a…
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Boiler Not Repairable In Rented Property
I would be grateful for any guidance in relation to this post please. Apologies if it is not the correct thread, would a moderator move it if there is a more suitable option please. My sister lives in a rented property in rural Norfolk and the boiler is leaking. She tells me her elderly landlord arranged an engineer to…
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Charges on title register after purchase
I created a thread a few weeks ago where on the Land Registry portal my recently purchased property sale was recorded - but the gov.uk portal still showed the previous sale price. (A newish build from the mid 2000's with one owner from new). That updated a couple of days ago - and can now see my sale recorded. Curious as I…
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How to avoid contributing ALL the equity from the sale of my flat towards deposit for a joint home.
Hello, This is a very speculative and hypothetical question, as I reckon I'm about three years out from selling my flat but I'd like some advice nonetheless! I currently own a one bedroom flat which I bought in 2020. I was incredibly fortunate to be gifted a large deposit from my Mum (part of her inheritance when my Nan…
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Home finder scheme
Hi,I'm looking for advice on a home finder Scheme. currently the Welsh government offer a scheme where a percentage is payed to new first time buyer and the percentage is then payed back within 25 years to my knowledge ? no interest or anything just that flat fee. so for instance £10.000 lent and £10.000 payed back with in…
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Chimney Issue
My partner and I are in the process of trying to buy a house. We agreed a price on a house and we had our survey done. No major issues except for a chimney breast. The survey showed that the breast has been removed in the kitchen on the ground floor but is present in the upstairs bedroom and the loft. Whilst it currently…
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Lease extension?
Hello, apologies if this has been posted previously. My parents are considering extending the lease on their flat which has 83 years remaining. It is a ex council estate flat and the ground rent is £10 per year. I do not know the value of the property but its a 3 bedroom flat in Chelsea. I have approached a number of…
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No FENSA cert for velux window
I installed a velux window to my bungalow about 5 months ago. I am selling and the buyers solicitor is asking for the FENSA cert. I don’t have one as I wasn’t aware one was needed. Can my buyer carry on with the purchase without the FENSA cert? I have googled and it looks like you have to it installed for 12 months for…
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Incorrect information supplied by Management Company on LPE1 form
I bought a property wirh a share of freehold, 7years ago, based on information supplied on the LPE1 form completed by the Property Management Company, acting for the Freeholder and supplied this form to my conveyancing solicitor, where it was stated there were no property disputes. However, the boiler was moved in the…
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Is a non self contained annex eligable for rent a room relief
Afternoon all. We are currently converting our garage (with the relevant planning permission) for my father to live in. This is in our garden but completely seperate to the house. He has alzheimers and needs constant care, but is not yet at the point of needing a care home. We have done this totally at our own cost but…
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Changes to title deeds - adding partner onto deeds
Hi I am looking into adding my wife onto the deeds of our property. What is the process and estimated cost? Do I need a solicitor to do this ?
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Estate Agent not passing on offer
Made an offer on a property - no response estate agent. Chased them and they phoned me. "No vendor wants asking price". I had a feeling then they hadn't even sent it to the vendor because they said "they had discussed in the morning meeting". Anyway, I increased my offer- same again no response. So I emailed to chase again…