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First time buyer
I am a first time buyer. My husband bought a property in the 1980s then sold it in the 1990s. He and I have been in rented accommodation ever since. If we buy a property together will we have to pay stamp duty? If I buy the property in my name only but it will be a home for us both will I have to pay stamp duty?
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potential scam on rent charges
hi all I would like to give some Facts of a potential scam that is going on in my area. I would like you to read it and raise awareness in case similar happen to you. * In 2015, my wife purchased a property in south east England, registered solely in her name. The title includes a restriction known as a "Deed of Rent…
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Two offers but agent saying not offers!
We have had two offers on our house. Both over asking. One from a party that has a buyer, a chain of 3-4 with the end being a FTB. Our agent is saying it is only an offer in principle until the FTB at the end of the chain has the mortgage confirmed. Is this right? Can we really not accept this offer until the whole chain…
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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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EPC Rating D?
Hi all! I'm new to the forum. My husband and I are looking to buy our first house and we have (very recently) started searching. Many things we are learning along the way, but something I'm still not quite sure about is the EPC rating. I've had a search online and found that ideally the EPC should be C or higher if we want…
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Reputable moving companies
DH and I are having to move for medical reasons and its becoming rather urgent as we can barely manage our external stairs plus we need an extra room to dialyse DH. We currently own out flat but over the last 2 tears there has been an influx of horrible neighbours in the street and next door and below me who have turned…
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Stamp duty refund
I’m hoping someone will be able to help advise on a stamp duty query that I have! I own House A which was my main residence up until May 2024 when I purchased House B which I moved into as my main residence. I paid the higher rate of stamp duty as it was a second home, but I had always intended on selling House A to get a…
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Is this situation classed as under offer?
Parents are FTB. We viewed a house this week. I asked the EA if there had been any offers. EA said they'd had two viewings last week, both offered full asking price but they are both part cash and part mortgage both need to sell their own houses. Do these offers mean it will be listed as STC and we will have lost out?…
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Removing my name from joint title deeds
Hi all, I came here originally to see if the solicitor quotes I've recieved are reasonable. I believe them to be highly inflated for something I've read I can do myself! So me and the ex partner split, its amicable. We co-own a property that was fully paid up last, no mortgage! We agreed I would take my name off the deeds…
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Is it better tax-wise to have all bills included in the rent or bills in the names of the tenants?
Hi all. Hope this is in the right part of the forum. I have a house with 4 bedrooms which I rent out to 4 separate tenants. To date I have been charging a monthly rent that reflects the fact that all the bills are in my name. Last year my income tax bill tripled and I believe this is because HMRC's rules now result in tax…
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Imminent marriage - house not selling!!! - HELP
Hi there, My fiancé and I own a house each, located in separate sides of the country - Our plan is to sell his and for his to purchase another one nearer to me. We are getting married in may next year - my husband to be is trying to sell his - but in the current climate we are not getting any interest. so we think we will…
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Payment of stamp duty and legal fees from equity?
We’re selling our house for £450k. We have £240k left to pay on our mortgage / £210k equity. We’re buying a new house for £420k. Our mortgage lender (HSBC) has said we can ‘port’ our existing mortgage easily without needing to do a full application. I’m a bit confused about this as the purchase price of our current house…
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How to buy?
Is it worth me trying to get a mortgage when my income is only around £500-700 per month from self employment, received in USD not GBP? I also receive £1000 in benefits/child maintenance which will both end in 2027. I can afford to buy the property outright but would ideally like to unlock money in a LISA. Would I be…
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Renters Reform Bill (as it stands September 2025)
If I, a landlord, find a bona fide, large, established Company tenant (where the Company would sign the tenancy agreement for their named employee plus named family members to occupy the property) for a 9 month fixed period only, would this situation fall OUTSIDE the Renters Reform Bill Assured Tenancy arrangements? That…
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Buying and selling
I have been worried by Angela Raynor! I own 3 buy to let properties (having extended their leases but careful not to exceed the £40k annual threshold), and am currently selling my main property (not one of the 3) and buying another home to avoid the additional SD tax on this. So far so good I think, but just to complicate…
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Have I made a mistake contacting building control about planning ?
My dad passed away the beginning of August. We are going to have to sell the house. It has a third bedroom loft conversion done in the 1970’s. We cannot find the plans etc. I phoned and spoke to planning and they have told me how to look in the archive. I contacted building regs and they told me to email which I did. They…
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Son temporarily coming home to save to buy house
Hi My son wants to save to buy his own home and is currently renting. I understand the issues about him being registered at our address etc but we took equity release on retirement and were told nobody could effectively live with us. He is hoping a year will be enough time and really doesn’t want to live here permanently.…
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First time buyer stamp duty
Hi, I am a first time buyer but my partner is not. If I buy a property for us both to live in do I have to pay stamp duty because it is a home for both of us?
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Can i allow my Son & Family to live in my 2nd home rent free ? No mortgage.
I have previously rented my 2nd home (no mortgage) to my Son and his family, but I now intend to cease charging rent. They will maintain and improve the property. Are there any tax implications ?
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Encroached or Not?
I recently had my conservatory roof replaced at my semi-detached property. The work took place over a 3-day period. From the very first day, my neighbour stormed round to my place to give the installation engineers hell, alleging that the guttering around the conservatory they'd installed, had encroached unto his property…
