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Dealing with anxiety around selling
We're desperate to move from the home we've lived in for 3 years. We moved to the countryside but I feel so isolated here and it's affecting my mental health. We've had 2 viewings in the first 10 days; although they loved the house, both parties say it was a bit too small. The second viewers told the agent on Friday that…
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Estate Agents TC - when selling
In the Estate Agent's contract, one of their clauses read: 'By signing this agreement you agree that if you do not pay our commission within seven days of the sale being completed, you will pay interest on our commission at a rate of 4% a year above the HSBC Plc base rate. If we have to instruct solicitors because you do…
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Land registry title deeds locked
The background my property was jointly owned with my partner, we then separated and he applied to change the jointly owned to tenants in common. I received a letter from his solicitor outling the house to be sold etc that was October 2024 with a requirement the house be on the market by sept 2025 We have now reached an…
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Joint building insurance increase due to flat being let
I live in a house conversion of 2 flats and own one of the flats. The building has to be insured as a whole and currently does not allow letting as both flats have been owner occupied. I am due to rent out my flat soon and the insurance is coming up for renewal. I am having to change the policy to allow letting, which…
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Canopy
Has anyone used the canopy app to track rent payments therefore upping credit score? I just saw a story on mse about it well when you click the link , anyway I’ve signed up but read something about it reporting late rent when it actually wasn’t, it asks you for a date to track the rent but I get paid on different dates…
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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…
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Is It Too Early to Negotiate a Longer Lease?
Hi everyone, We moved into our new rental here in October last year. Buying a home isn’t an option for us right now, and we’re really hoping to stay here long term — the kids are settled, we like the area, and it feels like home. The problem is, we feel a bit restricted when it comes to buying certain things (like bigger…
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Finding reputable tradesmen in London
I'm going to be renting out a flat in Hoxton, London and need to get Gas Safety and Electrical certificates done. So far, every company I look at has great reviews and appalling ones. How can I find tradesmen that I can trust will do an honest job?
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Seller in arrears on service charges
Am buying a leashold and everything is ready except for management pack which has not been sent for 9 weeks. Just found out today apparently the seller is in arrears on service charges and management company will not release pack until debt is paid. They have passed the debt to a collector. the seller is employed and had…
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Right to buy
Hi, I was looking for some advice. I am currently buying our property using the right to buy. We received an offer which we accepted on an email. We then 3 days later received an email off the HA stating they had made a mistake and that they had not applied the government's capping and the quote is now £80k more. Is this…
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How best to serve notice to good tenant well ahead of end of fixed term AST
My brother and I jointly own a flat which is currently let to a good tenant who first moved in just over 3 years ago . We recently signed another 12-month AST which ends in Feb 2026. By the Spring of 2026 my brother will need to realise his capital in order to help his children on to the property ladder, so we knew we…
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First Offer - Strategy
Hi all - first time buyer here. Saw a property we liked at the weekend. Asking price £500k (reduced from £525k in February). Was previously on the market at 525k a couple of years ago. We like it, and it's in good decorative order. Small kitchen and no upstairs bathrooms are downsides. Limited scope to extend (small…
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Own 2 properties, buying a new build - CGT and Stamp Duty?
Hi there I own my own house, and also a few years ago bought house for parents to live in (I never lived there, they don't pay rent and are not legal tenants) I'm buying a new build house for my main residence due to complete late this year. Rather than sell my current main residence before I move, I'm hoping to just move…
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Change in AST terms
I have agrred wth my tenants, at their request, to end the tenancy earlier than the fixed term. Is there anything I need to do legally, such as deed of surrender or a new revised AST, or is a simple email chain showing both parties have agreed enough? Since it is the tenant wanting to leave early and I have no pressing…
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Renting main property and downsizing to a smaller home
As the above says we are looking to rent out our main property which is in my name only (inherited) and are now in the position to downsize to a smaller more economical property to be purchased outright in husbands name only . Now as i have no pension the funds from the rental would become my pension on paper with fees we…
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Stamp duty when moving home while owning a BTL property
Dear all, Apologies for starting new thread. I don't know whether this has been discussed before. Admin please delete this if not allowed. I am selling my home and am looking for a new home to move in. I have found a house with an asking price of £575,000. I have to sell my house first before buying the new house. My…
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Suitable funding option for commercial property purchase
Hello. Can I ask, based on your practical experience, what is the best funding option (i.e. Business Loans from the bank, commercial loan etc) to use to purchase commercial property which will be put into the rental property market? Thanks
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Joint tenants or tenants in common
Hello, My sibling and I were gifted our parents home in 2011 as joint tenants.For various reasons they have stayed in the property & have not paid rent so we know that the “gift without benefit “ doesn’t apply. This was gifted before my sibling married and they have not had any benefit from it. However since 2011, my…
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Do we pay tax on our house sale interest now that we no longer own a property?
We changed jobs last year and now live in a house that goes with our jobs. We decided to sell our house as ultimately we are planning to retire to a different area. We live in Scotland just now. We now have all the proceeds of the sale in various savings accounts. We are not liable for Capital Gains, my solicitor informs…
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RTB - Right of First Refusal
Hi Folks, I'm beginning to offer my home back to the local housing authority. I've heard through the local removals firms that they often try to force homeowners to agree to terms that are outside the housing act legislation. This has included, removal of carpets at sellers cost, down valuing for estate agent fees and…
