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Removal of Name from Deeds - do I need a solicitor?
My common law partner and I separated at the start of the year. It's been an amicable split where we've negotiated who gets what between us. He is remaining in our jointly owned home, taking over the mortgage in his sole name, and paying me out my half of the equity. We are nearing the point of removing my name from the…
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Porting mortgage with recent defaults & significant debt
We are with Skipton Building society. Never missed a payment would like to move to a cheaper property (bought our current for £310k & mortgage is £263,000). We’ve seen a property for £280k but in the past 12 months I have had £60k of defaults from credit cards & loans, added to my credit file. Obviously did not have these…
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buying a new home before selling our existing one
We are in the enviable position of being able to buy our new house, without yet selling our existing one. We've spent the last few months doing up our house and are now ready to put it on the market, and we will exchange on our new house this week. My questions are these.... Firstly, I know we will have to pay the higher…
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Neighbour now says our fence is on his land after previously agreeing to it.
We bought our house 2018,our neighbours moved in the same year, we got on really well. They erected their own fence all the way around their property because they didn't want to have a party fence. We then built our own in our back garden, the neighbour suggested we go onto his land around half a foot to get concrete posts…
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First Time Buyer - Buy to Let
Hello, I am planning on buying my first house in my home town while i am posted down south. I have found a house i would really love to retire in (home town up north) and would love to purchase it now. Im just after advice on how i can proceed. I have a LISA, and i believe i can use that if i intend to move into the home…
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Disputes when selling a home
Hello, At some point in the near future i will be putting my house on the market. About three years ago i raised a noise complaint with my local council regarding my next door neighbour's dog barking. I have since closed the case and requested that the council remove my dispute which they have. I know this might be a legal…
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Elec test done on a green form (not CPS)
When we asked the seller for a EICR, he produced one on a green paper (form), not by someone who is a member of a CPS. The tester (who lives 40 miles from seller) basically did a box ticking exercise and didn't test sockets, wiring, switches. Has anyone had this and would it be acceptable, to pay for a test ourselves and…
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Building Approval + Share of Freehold deed
Hi, In 2006 I did some big(ish) works in my leasehold flat (with the freeholder's informal permission). I've got two issues. 1) having applied for building approval without finishing the process (planning permission wasn't necessary).2) never changing the floors plan in the share of freehold some years later. My informal…
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What should I do?
My partner and I are looking at moving to a new property that’s in a nice area (bungalow style) but needs a bit of work so we can afford the mortgage as opposed to paying a premium for one already done. I’ll have 86k equity from this property sale now and I’ll put 47k down (20%) on a 235k property (rough guess). This…
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Property value limits on Help to Buy ISAs
I opened a Help to Buy ISA seven years ago. It sounded like a good way of saving a bit every month towards a home of my own. My decision to open one was motivated primarily by the fact that the Government would pay bonus interest of 25% on the total amount saved. I'm now looking for my first flat. If I want to benefit from…
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Interested in buying parcel of land
Never done this before, so complete novice and seeking advice on what questions I need to ask from the offset/ what pitfalls I need to be aware of. It's a 1.12 acre plot for sale via land agent in North Cornwall, guide price £30,000. Bids and final offers by 29 August - do I need to offer more than £30,000 or, like a…
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Changing Estate Agent - Do I smell a rat ?
Hi all, we have been with the same well known established EA for 360 days and we i’ve had a number of viewings but no offers so we feel the agent is not doing enough to sell our house. Whether or not to change the estate agents is not what I would like to discuss have decided to appoint another agent regardless of the…
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Survey raised concern about roof
I had an offer accepted on a house back in May. It then became apparent that there was spray foam insulation in the loft that needed removing (I previously posted about this a few months back). The owner arranged for a firm to remove the spray foam insulation. I drove past and they had scaffolding up and were removing the…
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Share of freehold bought without consent of freeholder?
I live in a shared house with 3 leasehold flats and I and other leaseholder A share the freehold 50/50. The remaining leaseholder B tried to buy the share of freehold twice but was not successful as they changed their mind (and I was not happy to accept their changed request either). I had not been impressed with B's…
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S21 notice
We are selling our rental as it has been sold, and the new landlord wants it vacant, so we have issued a s21 notice giving 2 months notice This has been served, but can the tenants still give 1 months notice, for instance if they have found somewhere else already? Or is it a case that because the 21 notice has been served,…
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House sale fallen though, gutted and totally fed up.
First time selling it was the perfect situation, just us and the buyers in the chain. over 3 months went by they pull out as they now cannot get the funding. I just feel numb, its back on the market and we are being told by the EA the market has changed, basically saying we will struggle to get what we sold it for. Just…
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Gifted Deposit - Solicitors being difficult about ID
Hi all, I am in the process of buying a home with a mortgage for about two thirds of the purchase prices and a gifted deposit for the remainder. The Mortgage company have accepted a simple letter signed by the giftor to say they will not retain any interest in the property, won't live in it etc. And they have issued the…
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Completion Date & Where to put sell proceeds from BTL which is over the FSCS limit
I am in the process of selling my BTL and ‘The chain would like to complete on the <xxx date>.’ within the next few weeks. I would like to check whether there is anything else I need to do before the simultaneous Exchange and Completion? As far as I know, I just need to give the go ahead to my solicitor and they will do…
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Closing dates for buyers are increasing exponentially (Scotland)
My niece is a first time buyer and it looks like she can't compete with the current practise of very quickly going to sealed bids only weeks after a property is listed. She has bid 20% over the Home Report in three instances and been outbid each time by a substantial amount. It really is a gamble as buyers could lose a…
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Does First time buyer rate SDLT applies on first property if married partner buy first house?
Hi all, I own a property on my sole name in a mortgage as well as in title deed. My wife also lives with me in my house with my daughter. Now she decided to get her own house and we went for JBSP mortgage as her salary was not enough to get the mortgage. We have been advised by a solicitor that she might have to pay higher…
