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Selling second home
I purchased a home in my name for my dissabled brother needing 24hr live in care in 2021.near me so I can keep an eye on his care. i have gone through 3 agencies due to poor care and property damage and now have had enough and need to sell and get him specialist residency care. My health has deteriorated and need the money…
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Flat sold, and new landlord hasn't told me where to send rent
Hello. I have been living in this flat for five years and last month the landlord sold the flat to someone else. I have received information from him; a letter saying that the building has sold, and the name of the business that now owns it, as well as evidence of all the gas checks etc it has had. Last week I got an email…
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CGT exemption?
I lived in my home for 12 years before relocating for daughters education. I rented out the property as really liked the area and didn't want to be priced out if I moved back. My daughter is now an adult and loves where we have lived for the past 4 years. In the next year or so, want to sell up, help her out and then move…
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Open ended sole agency contract?
The wording is: We confirm that the agreed commission will be based on the negotiated sale price..during the period of the Sole Selling Rights Agreement or within 6 months of the agreement having ended (to anyone who was introduced to the property during the time of our sole selling rights agreement) But then later it says…
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planning permissions
I have recently purchased a house with a conservatory which is need of repair, there is a covenant on the property which states. 'Not without the consent of the Local Authority under the Town and Country Planning Acts and Building Regulations for the time being in force and the grant of any necessary rights by adjoining…
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New house unoccupied prior to taking possession
Just wanted to see if anyone had any practical things we may have not thought about regarding taking on a new house that has been vacant for (we think) 6 - 8 months before we move into it. Ex rental, was on the market from just early January with no tenants and we believe the last set left before Christmas time. I know we…
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Neighbour replaced fence on shared boundary
Hi Our neighbour has replaced a section of fence on the boundary that is shared with our property. The title deed shows the property area in red and there are no other markings e.g. 'T' to indicate ownership by us. The remainder of the fence is in traditional wood but this new section (3-4) panels is grey composite and so…
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SDLT Form - Only has one person's National Insurance number to fill in
Hi All, 2 people buying a house together. Solicitor has sent us the SDLT form to sign, but there is only 1 person's NI number on the form. I've searched the government website and the guidance for the form, and this appears to be correct, but there doesn't appear to be any explanation why. Can someone please fill me in?…
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Should i sign my contracts with enquiry on deed of variation outstanding?
Hi there, I am FTB buying a leasehold flat since September. We received our contracts and docs through from our solicitor although we still have one enquiry outstanding. The enquiry is an amendment of the lease on the ground rent removing a section for something to do with S8 housing act. A rider has also been annexed to…
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Proof of Funds Issues
Hi All, My Dad is currently in the process of buying a house. He's paid the deposit and the contracts have been exchanged. It is at THIS point that the solicitors are asking for Proof of Funds and nothing he provides them seems to be good enough. The money comes from 50+ years of savings, plus a little inheritance. He's…
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Lifetime Legal
Anyone use the services of Lifetime Legal via their EA and then changed EA? The reason I ask is I accepted the EA's option to use LL who duly appointed a local solicitor firm but I now want to ditch the EA for another and would like to know whether I can continue to use the appointed solicitor or do I have to go through…
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Buying a second property for retirement
My husband and I (both 55 yrs old) would like to retire to a bungalow. We would like to buy one that needs work, but don't want to live in a building site. We will be mortgage free by 2027 (but will be 57 then) and would like to stay in our current home until 2030. So, the dilemma is - should we remortgage our current home…
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Not sure how to start this , but here goes .
We have an interest only mortgage with 10 years left on it , the mortgage was sold to Intrum Mortgages with their rate of 9.05% , we are claiming benefits because I had cancer and i have other health issues , so we get support for mortgage interest . The monthly payment is too much for us to manage, we also found huge…
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Early repayment charge
Just running this by the forum for opinions please. The ERC on my mortgage is based on a percentage of the advance amount rather than amount outstanding at the time of redemption. Is this usual?
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Viewed Property with Subsidence – Worth the Risk?
Hi all, We’re first-time buyers and recently viewed a property that we really liked, especially because it’s in a premium location and priced quite low for the area. However, the property has a subsidence issue, with visible cracks on both the inside and outside walls (photos attached). I spoke to a neighbour who said his…
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Lower Valuation
I'm a second-time buyer. Bought a house with my ex in 2021, now being bought out of that house and purchasing on my own. I have had an offer accepted (about 3 weeks ago) and have started conveyancing/have a mortgage approved. I viewed around 10 houses before I made an offer on this one. The house is cosmetically immaculate…
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Helping parents with property purchase?
My parents are looking to move home. The new property will likely cost a little more expensive than their current house will sell for. They own their original property outright. I’m in the fortunate position to be able to help them make a cash offer for their purchase. As the new property will need a lot of work will be…
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Mortgage illustration questions
A younger family member is buying a property. He has a mortgage certificate and an illustration. The illustration shows the new property address and all the payments for the next 25 years. I didn't think illustrations contained the new property address. Does it mean that the document check has passed? If it doesn't, how…
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Transferring house ownership to new spouse
My ex husband and I obtained an online Final Divorce last summer after we split amicably and cooperated in full agreement about all aspects of the divorce and division of assets as we had no children, only a house which we own and had a lifetime mortgage on. I have since remarried and ex husband and I obtained a Consent…
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Sale of Gifted property by spouse
I bought a house in my name in 2009. When we bought our next house where we live today, I gifted my first house in wife's name through a deed in 2021. It has been currently let out. I want to check what happens if my wife sells the house. Would the capital gains tax be charged based on increase of value from 2021 to 2025…
