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House buying, renting & selling

For all questions to do with buying, selling, renting and letting homes.

'Future proofing' paperwork for AML checks
This is a bit of a strange one, but seeing the various threads on AML checks and possible hassle, I am wondering how we can go about ensuring our paperwork is in order for if/when we buy a future property. We have come into some money through inheritance. Due to the amounts involved, we have split the initial sum across…
Water Damage From Upstairs Flat - Caused by Freeholder who lives above
Hi Freeholder who lives above our leasehold flat has caused water damage to the kitchen ceiling and Radiator cabinet in our Leasehold Flat Below . 2nd time this has happened and last time he blamed washing machine A plumber was called out and said it was due to faulty leaking stopcock and advised he replaced it, which he…
What do I do about invading bindweed?
Hi all, I rent out my house. My tenants have complained that next door (actually over the back fence) has got bindweed growing in through the fence and it's strangling their plants. The offending neighbour's garden is a complete mess, completely overgrown, I think the neighbour is physically and mentally incapable of…
Unable to sell new build house due to it not being registered with land registry after 4 years
In December I got an email from the solicitors I used to buy my new build saying that the application to land registry still wasn't complete since February 2021. This was due to land registry asking for more information from both my solicitors and the developers solicitors, which my solicitors said they're chasing them. I…
house selling - radon advice
Hello - im looking for some advice on radon.We are selling our old family home. We had a full survey done on the house to be aware of anything that might negatively affect the value, and this phrase mentioned radon"Radon - the property is located in an area affected by radon gas. You should ask the current owner if they…
Withdraw from purchase or try to negotiate price?
I'm about 5 months into a purchase which has been stop-start as the vendor (buying an empty property) has had 2 fall through. At the time of offering the market was very competitive and I had to go 12k over asking so as not to lose another bidding war (despite being a cash buyer). After weeks of silence after the 2nd false…
Advice needed for long distance move
Hello all, I really need some advice! I live in Scotland with my family but I am originally from Hampshire. I am desperate for us move back down. We have lived in Scotland for 10 years. We own our home with a mortgage. We both work full time and have 3 kids. I don’t even know where to start! How would we get a mortgage?…
Sold as seen
What does sold as seen mean. Property is up for £189,995 description states “It benefits from upvc double glazing, gas central heating and will be sold as seen including light fittings, fitted carpets, blinds etc.”
Where to buy/download deed of guarantee forms?
I am a landlord of a house which I am putting out to rent. The tenancy will be an assured shorthold tenancy. One of the tenants needs a guarantor and I have to find a deed of guarantee for the person who will be guarantor to sign. I have looked online but I can't find a respectable copy to buy or download. Does anyone know…
Where does the responsibility lie with this situation? Opinions please.
Messy situation- I have a friend who bought her one bed upstairs flat using 'Right to Buy' many years ago. A couple of years after buying she decided to apply for planning permission to turn it into a 2 bed duplex, putting a bedroom upstairs in the roof space and having the bathroom/toilet moved upstairs as well. The cost…
Missing PRC certificate
I'm in the process of selling my property and my solicitor cannot find thd deeds or the PRC certificate which was issued 1987 I cannot sell my house without the PRC certificate and the solicitor is not being helpful, can anyone advise me what I should do next
Ground Rent review - crazy increase!!
Elderly parent has a privately owned assisted living flat - this is leasehold. Already paying high service charges and ground rent - but following a ground rent review they have increased the payments by 125%!! The review was expected - as it is detailed in the lease - but an increase from £365pa to £822pa for this is…
CGT query
We are selling my dad’s property. During probate, the solicitors obtained a single valuation of £450k (incorrectly based on it having 3 bedrooms instead of 4), and used this for the estate valuation. When preparing to sell, we got three estate agent valuations of £600k, all within six months of the original figure. We…
FTB - confused by the just the initial process already!
Hello all, FTB and I’m struggling to understand what we exactly we can expect from our conveyancer. For example, I asked of they knew the size of our chain, and was told that they only handle the transaction. The conveyancer advised us not to take additional steps eg mortage etc until they have received the draft contract…
Conveyancing delays...
Hello, I'm buying and selling with the same solicitor, no chain is involved but obviously my sale needs to complete before my purchase. I'm selling leasehold and buying leasehold. The issue is both solicitors have had everything required for several weeks and my buyer (like me) is not understanding what the hold up is.…
Son puts a Section 106 on land we rent to him
My son has put a planning application in for his own land, and incorporated land that belongs to my husband and I as part of the application. He has offered to sign a section 106 agreement with the council, so that we can never use our fields, but have to plant trees on them.
Online conveyancing - views on My Home Move / generally
Looked up this subject and it seems that most posts are ancient. Has anyone got some recent experience of using one? I’ve got a quote on My Home Move for Wilson’s which is £2200 cheaper than my high street solicitor quote.
Be cautious about buying McCarthy and Stone!
I would counsel caution to anyone considering buying a McCarthy and Stone apartment. The issue is not with the property itself but in the selling on of an apartment. I have been trying to sell my deceased uncle’s apartment for three - years. McCarthy and Stones resales experts are passive and as they continue to accrue…
Subletting clause - what does it really mean?
Hello all, I am having a little trouble understanding my lease about subletting. I am thinking of renting my flat out so I have been reading my lease over and over but I am not really sure what its saying. The lease says: Not at any time during term hereby granted to divide the possession of the flat by an assignment or…
Over £4000 due to Guinness immediately?
Good afternoon everyone. I'm sitting here in disbelief. I own my flat, and Guinness is the freeholder. I pay a service charge each month. We had Major Works to the building last year, and accordingly the service charge was raised for a while. I remember getting statements about it, all seemed in order. Then this afternoon…

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MSE News

Martin Lewis: How to call your bank with just three digits – as 'anti-scam' phone number called over a million times
One million calls have been made to the '159' anti-scam phone number since its launch in 2021, new figures reveal today (Wednesday 30 April). MoneySavingExpert.com founder Martin Lewis – one of the well-known faces most used in scams – explains how to call your bank by dialling just these three numbers.
Revealed: Holland & Barrett's supposedly cheaper 'Subscribe & Save' often costs more – it's promised a review after our investigation
Holland & Barrett's 'Subscribe & Save' scheme claims to offer regular shoppers "the best value" – but it failed to do so in the majority of cases MoneySavingExpert.com checked over a five month period. The retailer has now promised to review the scheme after our research found it was often more expensive.
Don't get your passport by post – 360,000 paid more than needed last year
If your passport is due for renewal, apply online if you can – it'll save you £12.50. More than 7 million Brits did just that last year – but over 360,000 missed out on savings by using a paper form instead, MoneySavingExpert.com can reveal.
Sainsbury’s Bank customer? NatWest takes over this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Chase customer? Check if you can get its newly boosted 4.8% easy-access saver
If you've got a Chase account, check if you can boost your easy-access savings to 4.8% – made up of a 1.8% AER fixed six-month bonus plus its standard 3% variable rate. Chase says over 2 million customers can get the boost, which would top our normal savings tables if it were open to all, though it's beaten by the top easy-access cash ISAs.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Martin Lewis: Is the £20,000 cash ISA limit about to be killed off? What savers should be doing now
Plans to cut the £20,000 cash ISA limit later this year are being considered by the Government. In his latest video, MoneySavingExpert.com founder Martin Lewis explains what's likely to happen, what the changes would mean for savers and what you should be doing now.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from 1 May. For most, this means little change for now as the Sainsbury’s brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, you'll need to move any excess elsewhere to ensure your cash remains protected.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
From Thursday 1 May, Sainsbury's Bank credit cards, loans and savings accounts will be run by NatWest as part of a deal between the two banks. You'll be moved to NatWest in the future, likely towards the end of this year, but for now the Sainsbury's Bank brand will remain and you can continue to use its products and services as before.

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