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Between exchange and completion
After 16 months since starting our journey as FTBs (including one purchase falling through after a YEAR of waiting), we’ve finally exchanged to complete on Friday! We’ve already booked our WiFi installation but was just wondering what else we can get sorted and booked in over the next few days? I’m assuming we need to wait…
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Tenants rights and additional needs
Tenant has a learning disability, and their supported living property is paid for by benefits. I don’t have full details of the landlord other than it’s not council or housing association, but I am presuming any legal obligations will be the same regardless of who it is. Tenant needs to move out so that the property can be…
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Informally let
decided to change post, could this be deleted please. Thanks
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Betting deposit on bank statement
We are likely submitting a full application in the next few days. However this weekend we are at Cheltenham for the racing. This has been booked since the start of the year and at that time we thought wouldnt be buying until next year but now we are I dont really want to ruin my application if a betting deposit is going to…
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How to prove that a borehole water supply is potable and uninterrupted for mortgage valuation?
Hi there, I have recently had an offer accepted on a little rural cottage in the mid-Wales countryside and have applied for a mortgage. The lenders sent their surveyor out just after Christmas to value the property, and the report came back that they couldn't offer a mortgage on the property unless they could see evidence…
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Conveyancers during sale of house
I'm in the process of selling a former BTL property. We went with the conveyancer recommended by the estate agent, possible error, as it isn't local to where I live and they said they were great and very fast. I'm really struggling getting information out of them. They seem to forget who is paying their fees and are not…
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House buying, survey uncovered issues, looking for advice
Hi, (apologies in advance for the long post!) FTB here, I had an offer accepted on a house about 6 weeks ago, and had a survey done on it straight after. The survey flagged a large number of "very urgent" issues (14 in total), some of which are relatively unconcerning/ quick and easy fixes (e.g. missing stair bannisters,…
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Totally stuck house sale
We are selling our house and buying another. No chain either side. We are ready to exchange on our purchase but the sale is totally stuck. The buyers solicitors have said they have not had satisfactory responses to questions but refuse to clarify which responses they are not happy with. Our solicitors say they have…
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Buying a house and the kitchen extension done without proper Restrictive Covenant consent
Hi Hoping to get some advise here. I am close to completing on a purchase and the enquires have come back to say that the kitchen extension done to the front of the building in 2019 does not have restrictive Covenant Consent. (Slightly annoyed that the enquires came back so late. Not sure if this is the norm.) The seller…
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Concluding missives in Scotland - how late is normal?
Although I've bought properties before, this is the first time I'm buying as part of the dreaded chain. Our solicitor encouraged us to agree a moving date with the other parties prior to conclusion of the missives, which wasn't the way round I would choose, but of course went with the expert's advice. Moving date is set…
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Estate Management fees
Hello, everyone. I'd like to ask for a piece of advice about the way in which I've been charged by a company managing our estate for the services they (don't) provide. There are two things. Firstly, they don't provide 9 out of 10 services they say they provide, but I keep paying the regular sum twice a year. Second, two…
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Merged: Paid for house insurance twice by mistake
This discussion has been merged.
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Section 21 notice
Hi I have only one rental property that I bought a few years ago, keeping in mind that I would sell it at the time of my retirement. I am in my late 60s and will be retiring soon. I want to sell the property now. I served a Section 21 notice to the tenants in September 2025, and they are supposed to vacate by next week.…
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Planning issues indemnity (windows and log burner)
Hi all, Getting close to the end of a purchase as a FTB. Two issues have been flagged through enquiries: 1) Several windows have been replaced without building regulation sign off or FENSA. 2) The vendors installed a log burner themselves about several years ago and this also doesn't have building regulation sign-off.…
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Third Party in Asia comes forward to 'Claim on the Land' so now purchase is off?
Hi all Just looking for a bit of advice for my niece here. She's so upset that her first/dream home purchase has fallen through. Firstly please allow me to tell all readers that anything I write here is hearsay and anecdotal. It is what my Niece has told my Brother, who then told me. Therefore, it is possible that I am…
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Query with freehold service charge
I currently own 50% of my house but am stair-casing and selling as 100% and therefore freehold. I pay £96 a month service charge for items such as ground maintenance, block maintenance, a reserve fund, fire, audit, management fees and health and safety. The service charge has gone from £20 a month to £96 a month in 3 years…
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Who has to pay SDLT in these situations?
Father owns property 1 worth 600k. Property 2, worth 450k, is owned in equal shares by Son 1, Son 2 and Daughter. No mortgages on the properties and both properties are their main home. What SDLT is liable in each of the two scenario's: Scenario 1: Father gifts property 1 to Son 1 and Father buys 1/3 share of property 2…
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Would you buy a house with public sewer within boundary of the house and running under it
Looking for some advise. Please help. Looking to buy a house and the drainage search has revealed that there are public sewer (pipes) not only within the boundary of the property i.e. front driveway and the back garden but also running under the property. I am concerned about any potential health risks, plus will this…
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Confused about Capital Gains Tax on house sale
Hi, we've been given conflicting advice so though I would ask here and it might help (or confuse me further...) Father In Law passed in January 2023, took a while to sort his finances and get probate, house is split 50/50 between husband and his sister (agreed at £210,000, so £105,000 each) We decided to use our savings to…
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Is this a coincidence kitchen lights and boiler thermostat not working?
Flat recently bought, no kitchen lights, seller said they were working before she left.Had to get electrician to fix. Boiler thermostat faulty, would she have known? Got boiler serviced and new wireless thermostat installed.Thats where the problems start, had to replace a few parts costing over £600 for labour and parts.…
