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2nd home stamp duty
I currently jointly own a property with my sister, of which my mother resides. I want to buy a property to live in as my main residence, would I be subject to 2nd home stamp duty, there are so many conflicting answers even HMRC couldn’t give me a definite answer . Thank you
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Stamp duty question - so confused
England - so SDLT Me and partner ( not married and wont be ) selling both houses. Mine before, his after. Many reasons for this - mostly convenience as its a new build so completion on notice. I'll buy house £720,000 mortgage of £250,000 when we sell his, he'll "buy into" the house for £250,000 ( with solicitor paying off…
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What would you do? 2 Houses 1 Freehold but Creeping
The house we are interested in buying used to be semi-detached and the owner built to the side thus making it a terrace. They kept the freehold which covers both properties and the same Title Number is shared. However the newer build was sold off as leasehold many years ago. Additionally, ‘our’ downstairs wc and back hall…
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Sell and Mortgage Free or Stick?
A little history. At 50, bought my first house in 2020 for £260,000. 3 bed semi. Sold in 2022 for £330. Bought 3 bed bungalow for £350,000 on the South Coast and now worth at least £375,000 (location, but also modernised). There's about £175k on the mortgage. Would like to be nearer East Anglia, but also near the A1, which…
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Sold!!! Thank you :)
Hello. I'd just like to thank all those who replied to my posts and my newbie seller questions. The property of my dear latest B. sold at exactly my asking price of £325K. It was all rather nerve wrecking (and hard work!) as I thought that the buyers might have wanted to negotiate to a lower price; but it did not happen.…
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SPLITTING OF ASSET BETWEEN SPOUSES
I am a joint owner with both my sisters of a residential property that has been sold. One of my sisters told our accountant that she had transferred half of her share to her husband prior to the sale and the accountant opened a joint UK Property A/c for her and her husband to claim a second Annual Exemption Amount (AEA)…
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Inspection after S21 Notice and prior to Possession Order
My friend’s landlord has served them with a Section 21 Notice. Two months have now passed and unfortunately, they have not been able to secure alternative accommodation. They have therefore written to the landlord stating they will be exercising their rights to remain in the property and that they will need a Possession…
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A situation that hasn’t happened….yet!
Hello and thanks for all help what happens if the following situation occurs please? never happened in 30 years of being a landlord but… house rented on AST to 4 unrelated individuals, on a joint and several basis, however it is NOT classed as an HMO At the end of the AST, as planned, 3 of the individuals move out, rent…
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LAND REGISTRY UPDATING
In March 2025 my granddaughter purchased a property that had been repossessed in October 2024. Yesterday a letter was delivered in the name of the previous
owner informing them that a charging order had been made against the property. On checking the land registry I found that the property is
still registered in the…
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Land Registry questions
Hi everyone The Land Registry is here on our Forum to help answer its customers' questions. If you have a question pop it on here and it will do its best to help. Related on MSE: 50+ House Buying Tips Free First Time Buyers' Mortgage Booklet 2018 Remortgage Guide 2018 Ultimate Mortgage Calculator
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Land Registry Fraud Department
Via a solicitor we have had a matter referred to the Land Registry Fraud Dept. Can anyone tell me how long it takes them to investigate and respond, the matter was reported to them in April of this year.
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Merged: TP1 & AP1 official copies
This discussion has been merged.
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Capital Gains on inherited property
I have tried reading other threads on this but am still not clear, * I inherited a property from my mother in 1995. * The property has been let ever since * I transferred 50% to my wife in 2000 * We have now sold the property My understanding is:- * The cost for CGT is the probate value at the date of my mother's death *…
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Found out house as no building regs for upgrade work after we purchased
Long story. Bought house in 2021 which has a large extension block. This extension was started in 2012 and has pp and building regs - all good. Not sure when finally complete but the building regs cert is dated 2018. However, was classed as an 'outbuilding' for incidental use. 2018 house is sold to Sellers. Sellers sell to…
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Lodger agreement - being in limbo and renewal
Long story short, I have been at my address for a long time. Initially, I was on an AST but suddenly, my landlord told me I am a lodger and gave me a lodger agreement accordingly. In the agreement, we both have to provide 1 month's notice to the other should we wish to end the agreement. My agreement is coming to its end.…
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ESTATE AGENTS MISREPRESENTATION
We are in the process of moving from Scotland to England and couldn't hold up the sale any further than 1 July 2025 because of the Scottish laws. We have been up front from the outset that we needed the purchase to move as fast as possible and were under the impression that the house we are purchasing was empty. Although…
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Pulling out before exchange
Had to pull out before exchange. Is there a penalty?
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I've asked before, but would sell up or rent out in my situation?
I have become unhappy where I live (6 years), think its time to move on. I do not know where I want to buy again (area). House Value - 250k Mortgage - 150k I've gone onto a 2 year tracker mortgage Only other 'debt' is a car payment of £300 Do I take out equity and rent out my property and forget about it? Rental will be…
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Enquiry - Lodgers
Good Morning, This is my first post so any help would be greatly appreciated. I’ve recently put a deposit down for a 3 bed flat and am wanting to live with my best friend who I’ve lived with for the past two years. My friend will be a lodger who’ll have access to shared areas (bathroom, kitchen and living room) whilst I…
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Landlord withdrew from rental agreement 4 days before moving in
Good afternoon all, I was due to move into a rented property on 31st July 2025. I have signed the contract along with my guarantors. Today the landlord has withdrew from letting me the property despite me and my guarantors having signed the agreement. I have paid some bills up front to reduce my monthly outgoings such as…
