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Merged: Subsidence, surveyor missed?
This discussion has been merged.
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Help to Buy valuation on a flat with flammable cladding
Hi everyone. We're currently selling our flat in Runcorn which we bought in 2010 with the aid of a Help to Buy loan, and now have to arrange a valuation of the flat to show we're selling at the current market value and not diddling the government out if its share of the proceeds. Our issue is that our flat is covered in…
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Indemnity Insurance vs Deed of Variation
I am looking at selling my 2 bed flat and have had estate agents in to value. 2 of them have been quite insistent on starting the deed of variation now but our freeholder is charging everyone different amounts, its not consistent. Another agent advised to get indemnity insurance although this does not protect us against…
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Estate agent role
We have a long chain. As far as I can tell the EA has not been proactive in checking out the position of others in the chain. I was told that I was the last to complete paperwork (signed contracts for sale and purchase are with solicitors) & that we had to complete within 8 working days or the chain would fail. I had a…
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Conveyancing
I'm buying a leasehold flat, first time buying property. The estate agent has connected me to a conveyancing firm, and the vendor is also using this firm. Does anyone have any strong feelings whether I should go with this (the quote seems reasonable), or would it be better to use a different firm - and why?
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Cash Buyer
I am in the process of a sale on my house & also in the process of buying a property. My buyer & myself are both cash buyers. This is my first time buying a property on my own as I’m now divorced. What will I need to pay out before the property I am buying is completed ? & roughly how much as money is very tight until my…
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S0S - Buying a repossessed flat without the Leaseholder’s Deed of Certificate?
Hello, A month ago, my offer was accepted on a repossessed flat in a 6-story ex-council building, which falls under the Building Safety Act (BSA). The flat requires a leaseholder’s deed of certificate, which the ex-owner hasn't provided. My mortgage broker secured a mortgage offer and recommended a solicitor. However, last…
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Struggling to assess survey results
I've had a level 3 survey on a Victorian property (2-bed terrace, ~1880 I think) which seems incredibly negative but I'm not sure if that's just standard for such a property which has inevitably been modified to some extent over the years. It's very similar to one I had on a similar property on a neighbouring street…
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Company in receivership owes a debt for trespass and nuisance...
Morning all, I hope this is incompetent the correct area. If a (building) company is in receivership and then receives a new debt (for trespass and nuisance), do they have to pay it? Many thanks!
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RICS Level 2 survey - worth paying more for MRICS and FRICS than AssocRICS?
Is there any tangible difference in the quality of the survey report between those with MRICS and FRICS status compared to AssocRICS? My understanding is that FRICS is the most senior, with member status for at least 10 years, but I'm not sure if it's worth paying more for that experience? I found an AssocRICS one with…
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Decision From Property Ombudsman Without Asking For My Evidence Beforehand
Hello, I am just trying to find out whether the above is standard practice with the Property Ombudsman. A judge at my Possession Hearing said that I had a worthy case to come back to court just for the disrepair, poor service, medical impact etc. But I was not in a position to pay for that (as many people aren't when they…
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Offer accepted but not yet exchange
My sold property was due to exchange and complete end of July, and will not be able to meet the new extension.It seems the Buyer's solicitor has been stating that my side needs to still do xyz. I had clarified that this is not case. They have now stated that there are other things they are waiting on (including funds from…
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Capital gains on property I lived in as a council tenant
Hi All, I have scoured through here but can't find a post that answers my specific question and I'm hoping someone will be able to help me. I moved into a council property (one bed flat) in 1995 as a council tenant. In 2000, I used the right to buy and purchased the flat from the council. I continued to live in the flat…
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Freehold isn't due to solicitors mistake
I'm in the process of selling my house, it turns out my house is registered as leasehold, but was bought freehold. This is what the landregistry is recorded. We have contacted the solicitors who represented me at the time , and they say they don't hold records past 6 years. My solicitors who represent me now are preparing…
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Mis sold a student let
Has anyone else purchased a Student Let property investment where you are promised massive interest and growth. We purchased a number of Student Let's in blocks in the North East. Hight yield promised and ever increasing value. For the first 3 years we did get high return then the charges began rolling in. The management…
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Selling property - solicitor's omission from final completion statement
Hi all, a little issue just cropped up when I least need it (of course). My Grandmother passed away last year and I was sole executor of her property, which after many stressful months I finally sold earlier this year. I settled the final completion statement as supplied by my solicitor, and got on with my life. Now, 4…
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Home Insurance quote and historic CCJ
Myself and my husband have a joint CCJ which was lodged in June 2019, paid in full August 2019 and has now finally dropped off our credit history. We're buying a house and need to take out buildings and contents insurance. The wording of the question for the quote is: Have you or anyone living in the property been declared…
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Stamp duty
Looking for some advice. My husband retained an interest in his former matrimonial home 5% stake just because of the mortgage. This would be transferred to her in a few years when the mortgage is paid off. He moved into the house I own before we married so it’s my name. We’re now looking to move and buy a house together…
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Best way to purchase second home shortterm in Scotland
Early 2026 I will be taking retirement and we plan on selling up and relocating closer to our daughter in the northeast of Scotland. Our plan had been to purchase outright our new home using our savings and my retirement lump sum...since suitable property is always for sale up there.We would then have our own house put up…
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Estate Agents -material information disclosure
We are in the process of buying an empty house (aim for simultaneous sale/completion). Our offer was accepted around 17.5.25. We were told by the vendors estate agents that a previous sale had fallen through a few months before “for personal reasons, nothing to do with the house - all is in order”. Last week the vendors…
