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Unable to find lodgers, is this a dead period?
Hi, Two weeks ago I published my ad on Spareroom but I've received interest only from unsuitable people (in particular I wrote very clearly "no couples" at the top and at the bottom and guess what "we are a couple searching..."). The price is slightly over the others, but justified given the size, the comforts, the…
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Do I need to do anything to let my friend live in my home?
I'm a homeowner (with mortgage, in Scotland) and have a spare room. I have a friend in need of a place to stay, and since we get on pretty well I'm happy for them to move in to the spare room. I have no desire to charge my friend rent so I'm not sure if they'd be classed as a lodger, but they'd contribute towards the…
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Next Door Removed Load Bearing Walls
Hi, I live in a semi-detached house, and some years ago, my neighbour took down 2 internal load bearing walls. (prior to me moving in) I've just found out that he didn't obtain building regulations
approval for the removal of the loadbearing walls and he didn't employ a structural engineer, so I would assume this is…
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Ending periodic tenancy, no electrical safety check and damp
Hi all, please can anyone advise on ending a periodic tenancy (I have checked the pinned thread and wasn't entirely clear it answered my query). I had a shorthold for 6 months a few years ago and following this it became a periodic tenancy with me paying rent monthly on the 24th, in advance. If I want to give notice to end…
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6 Month Rule
(Also posted in the mortgage forum) Hi, I’m just hoping someone with recent experience can possibly give me some advice/reassurance on my upcoming house sale. I’m having to sell my home that I purchased with my now ex partner due to our relationship ending. The house was only purchased by us 3 months ago and we’ve recently…
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Does anyone know how this scam makes money
I have an empty property for sale that I visited on Monday, I went back on Wednesday and the For Sale sign had been removed and the locks had been changed on the front and back doors. My estate agent and solicitor knew nothing about it. I then called 101 for advice from the police as I was getting a locksmith to enter the…
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Owning a percentage of a second property
Hi All Long story short , my father in law might obtain 250k from selling a family home (1m/4), parents are thinking of putting this in the next house with DH'd bro and sis savings and no mortgage (no interest). The name of this house will be in siblings name but not DH because I work full time too and we be 'able' to get…
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Who the hell is the freeholder of the flats?
I've never seen something so convoluted as this. On the land registry form there's 4 companies, one of them is a holding company, one is the proprietor, one is a trading company, one is a management company and the other is a list of 3 names. There's also some kind of secretary limited company listed further down in the…
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Buying house outright from joint mortgage (divorce)
Hello, first post on here, ive exhausted google and other avenues and getting no clear answer. Even mortgage broker couldn't really answer (possibly because with wanting to buy outright there was no business in it for them). So myself and my ex wife are now divorced (approx 2yrs) she has since remarried and now lives with…
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Estate agent agreement not involving solicitors
Hi, my mum is planning to move from a 3 bed semi to a 2 bed bungalow, proceeds from the sale of hers will cover cost of bungalow. The bungalow is owned by the son of the lady who currently lives in it. The son hasn't been to the bungalow for 10 years, family breakdown & has now decided to sell. She has recently put a new…
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Stamp duty refund
Hi, 2 years ago i rented my house out which is soley in my name. (House A) then me and my partner bought a house to live in( House B) I paid £5500 stamp duty on House B. I own house A + B, my partner owns house B Me and my partner have now split up and i'll be signing House B over to her. So I will now own (House A) and…
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CGT on overseas property
I have tried to find the correct page on the Gov.uk website regarding paying CGT on selling property abroad, and I thought I'd got the correct page - they show a useful stage by stage calculation ie Sale price minus original price plus deductions for related agents/solicitors costs and improvements made to the property.…
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FTB issues
Soooo we had our offer accepted in April this year, we’ve been told numerous times that things are going well and even been given dates that are vendors were expecting to be able to complete. Since then everything’s gone quiet and the latest is that the top of the chain is having to go through probate. we have made lots of…
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Solicitors returning funds to the lender
Hello, Our solicitors forgot to return the funds to lender after the exchange/ completion halted. When we reminded them by email, 9 days later, they claimed they returned it the day before our reminder. Although the funds only left their account on the day of our email (according to their ledger). Is it possible? We think…
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Previous owner of my home applying for credit using my address
We moved into our home 13 years ago. We were led to believe that the previous owners had moved to Australia over a year prior to that (the house was let in between). Over the years we have continued to receive mail for the previous owners. Mostly NHS screening appointments. On one occasion we got the son’s driving licence.…
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Possible structural movement, should I buy?
Level 2 survey has picked up possible structural movement. Crack on external wall under both front windows. Structural engineer booked for later this week said may just be drains so could need a drain survey, but know more once seen properly. Am I likely to have issue getting insurance if I buy even if its a small issue?…
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Purchase Proceeding, Discovered it’s No Animals
When I viewed the flat, I made it abundantly clear that I needed to know the pet policy as I have a cat. I was told I needed permission. i asked solicitors to find out and they were very blasé about it, saying we’d find out further down the line. The leasehold pack arrived last week and I saw sight of it on Friday. It very…
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When is a bedroom not a bedroom?
Currently in conveyancing on a three bed house. Third bedroom is off the kitchen, part of an extension from 2021. Building Regs completion certificate has been supplied by the sellers. Only problem is the original planning application did not list the room as a bedroom, but as a utility room. There were some other changes…
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Mortgage and Credit Cards
Hi I have around £18k credit card debt left which is currently on interest free until this time next year . I need to shift this debt onto other interest free balance transfer cards and keep paying it off . However , I have just been accepted for a mortgage in principle and I am hiding this from my parents who are about to…
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Am I Overpaying?
Hi I am a single fella , no children , no partner and live with my parents in a nice area of Liverpool where property is expensive . I have been looking for a small manageable home , extremely low maintenance and garden for my dog . I have found one , it literally ticks every single box , Redrow build in a close full of…
