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Buying 2nd property from elderly parent
Looking for advice. My mum owns a small house (lives in) and a one bedroom flat that she has rented out for twenty years. The rental from this has provided her with a steady income to boost her state pension. At 82 we feel she would now prefer the security of having a lump sum in the bank as her savings have depleted. Both…
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separated couple
My son split with his gf last year. At the moment he is still on their shared mortgage. She may or may not be able to take over the mortgage in the future - hopefully 🤞🏼 Looking at the SDLT ( england ) If he were to buy a house for himself - will he pay the extra 5% ? If she later ( say within 3 years ) did get him…
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Removals company trying to charge extra and refusing to deliver without payment
This is in England. Basically the movers are claiming that there was extra belongings and are demanding extra money for a second delivery. (They part-delivered half already but did not have a vehicle available for the second half so advised there would be a delay. They've used this delay as an opportunity to ask for more…
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Question for people who know the London property market
I’m looking on Rightmove but I thought it was worth asking here as well. What’s the starting price for a one bedroom flat in London zones 4-6? I would prefer to be in North or East London but would consider South or West. I don’t want to buy at auction or anything with a short lease. It doesn’t have to be anything…
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Indemnity insurance
I just sold my house and found out that we don't have an end certificate on an extension completed 7 years ago. I now applied and they are saying that trays should have been put into the bricks joining the extension to existing house. However we have two windows just above the extension. Now we need to get indemnity…
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Opinions on estate agent and whether to raise an issue
We've recently put our house on the market last week and have had 9 viewings. Whilst we were away for a few days we had several viewings and had feedback to say that a couple we're very interested and would be making an offer once they are in a position to do so. They have to put their house on which we have been informed…
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Mortgage Options
I currently privately rent as a single parent which is getting more and more expensive and I'm concerned eventually I will be priced out of being able to rent at all. I can't afford to get a mortgage by myself but in time I will have my mum and my aunties mortgage free properties left to me. Is there any advice on how or…
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Notice to be given
Hi, My current tenants have been living in my property for almost 3 years. Their contract is due to expire in June. We plan to move into the property at the end of July hopefully as long as there are no issues. I need to provide the tenants with at least 2 months notice. My dad (who is related to them) will speak to them…
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Forcing a house sale queries.
Hi, in a dilemma at the moment and currently going through solicitor’s regarding selling a property jointly owned by myself and my ex partner, and wondered if anyone had ever been in a similar situation and the best advice for a resolution. A long story short, we purchased a house, myself being a tradesman carried out all…
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Reliable way of finding out if property has estate management charge
Hi there, Made an offer on a 4 year old "new build" property which has been accepted. The seller claims there is no estate management charge. I downloaded a copy of the title deed from the land registry and it does say there is a covenant (no detail of what it is) but unlike other properties I've checked there is no…
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Buying house Planning Permission Help Needed
Hi All, I'm buying my first home. Been viewing houses for the past few months and finally found one I like. There is something I'd like to potentially change (appreciate that I'm getting a bit ahead of myself as I've not submitted an offer yet, however I do feel like this could be important to my decision on how much I…
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MSE guide: Joint tenants or tenants in common – which to choose?
This is the discussion thread for the Joint tenants or tenants in common – which to choose? guide. The guide discusses topics such as: - How you own impacts your rights - Joint tenants have equal rights - Tenants in common own a share - What if we have children? - Differences at a glance If you haven't already, join the…
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Difficult sale post death
Looking for some ideas. A family member is executor for her later father's house that has an equity release loan on it. He died about 14 months ago. The house is a 3 bed worth about £300K, the loan is about £100K but still going up. My family member borrowed £40K from another family member to pay her father's siblings and…
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Offer rejected, should I put in a higher offer?
I put in an offer on a property the other week and it was rejected. The seller took 8 days to mull it over and finally say no. The estate agent said she was on the fence but that the offer was just not going to work for the seller. The property has been on the market for 6 months, it had a previous offer of £660k and I was…
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Advice on selling house no building regs - Nationwide
Hi, Looking for some advice please. I am currently in the process of selling my house. We are 6 weeks in to the conveyancing process and just had L2 survey done. The previous house owners had chimney breast removed without getting the proper building reg approvals. The work has been properly supported and is up to the…
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Buying into partners house
I have recently rented out my own house and moved in with my partner. She owns the house with a friend. Everyone would like me to buy the friend out. The friend put down a £50k deposit and my partner £0. They have a joint mortgage with NatWest, which is fixed for 4 years and has a large early settlement fee. How…
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DPC not visible
Family member has had a L3 survey on a house they are buying. It is a 1930's built bungalow. The surveyor noted that no DPC could be seen, although said it could be hidden behind mortar. AFAIUI a property of this age will almost certainly have a DPC, or is that not always the case? If so is it common not be able to see one…
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reclaiming SDLT
Hi, I'm new to this so please forgive me if I get a few things wrong. My wife and I are planning on moving up to the North from the London area and want to buy a small place as a foothold before we sell our main home. We are aware that we will need to pay the higher rate of Stamp Duty and that we can claim back the higher…
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Advice needed before exchange - pressure tactics from vendors?
Dear all, I'm a first-time buyer, nearing exchange of contracts on a leasehold property in London and in need of advice. The vendors (who are buy-to-let landlords and also property conveyancers) have been very uncooperative and slow to respond to enquiries. There are three outstanding enquiries that are with them which I…
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Property Allowance Query
Can anyone help me I wonder? I have gross income from BTL of, for example, £10000. Costs/expenses £800. Do I claim the full £1000 Property Allowance against the gross rental income or can I only use the £800? Any answers appreciated!
