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ELECTRIC EICR NOT EIC as electrician done a runner
morning Guidance needed please ….builder did annex extension however he turned out to be a cowboy builder who left work not passing building regulations. Has cost me extra £3k+ so far but can’t get EIC as he holding that to ransom plus photos proving drainage work due to argument on money paid. My only alternative was to…
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Why does my landlords referencing agency want my NIN?
I am not comfortable providing my National Insurance Number (NIN) to random companies as I consider it a significant invasion of privacy. Given how frequently data breaches occur, I do not feel safe handing over such sensitive information. What exactly can be accessed using my NIN? Specifically: can they see whether I am…
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Offering on a new house before mine is sold?
I'm aware I'm in a weak position. Still, I'm interested in offering on a house I really like in a new area and my house is on the market, has gotten 4 viewings in 2 weeks, but no offers yet. I've read I can make a "contingent offer" on the new house, though. Seems likely to sell in the next couple of months. Is this a good…
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Land Registry ID1 form online - recommendations?
Can anyone recommend an online service for the land registry ID1 form (aka ID5)? And the cheaper the better, this is MSE after all. I've seen one that says £59 but that changes to £69 on later pages, and it requires proof that everyone is linked to the property which seems odd and I'm not sure exactly what that means. The…
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Tenancy change following bereavement
Sadly my wife died recently. I notified the estate agent as we had a joint tenancy and that has to be changed to me being sole tenant. I expected it to be quite simple. My wife's name being removed, mine staying on and otherwise carry on as before. Instead today I've received a totally new contract due to start in the…
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Future CGT on second home - what is purchase price based on?
Hi, I am hoping to buy sibling out of my late parents home as a second property (with a buy to let mortgage). We have a RICS valuation, IHT valuation based on two or three estate agent valuations, and the price I've agreed with sibling which is somewhere in between. House was on market for sale briefly at less than the IHT…
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Help please.
we are in the process of buying a property as our family home and we believe the house might have Japanese knotweed can anyone advise if it is from these photos please? thank you in advance for any help
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Selling my house to move into my boyfriends??
Hi Im a 29F with a 28 year old boyfriend. We have been together just over 2 years. We are in a serious relationship and have both been very clear from the beginning that we both want the same things in life…marriage,kids etc and have been very happy together We both own our own houses…mine is a small 2 bed (i bought this…
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Potential new rental confusion - complicated situation
I'm looking at signing a new rental agreement and I'm unsure about how the new laws will affect me. Last year we had to move from the flat we had been renting for 15 years as my landlady sold it. We've since been living (myself, working full-time but on a low income and my full-time student daughter) in a small one bedroom…
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Selling my house to buy myself a flat and one for my son
Hi own my house outright mortgage paid off. What is the best option for me, I want to sell my house and buy a flat for myself and a flat for my son who will be a first time buyer. Can you please give me some advice on what is the best way to do this.
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Stamp duty question
Hi, probably a simple question for someone here. If I own a property and want to purchase a second property to live in, (i.e. a main residence) while renting out the first property, would the new property classify as a 'main residence' or a 'second property'? I'm asking as there is a big difference in £££ between the two,…
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Buying house leasehold after being auctioned
Hi, I wonder if you can help me please. I'm starting a separate thread as most of the advice here seems to be geared towards flats, whereas this is private property with a small mortgage. I own a semi detached with a 100 year lease taken out in I believe 1966 (the actual house was built in 1968) and pay £32.00 per year in…
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No heating or hot water since 11 September 25
My disabled (enhanced rate PIP recipient) pensioner (70 years old) partner has had no heating or hot water in his Housing Asosiation flat since 11 September 2025, due to a problem with the communal boiler. The association are seeking quotes for repair replacement. The costly rent at the property includes the central…
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Questions about The New Homes Group.
I have a few questions about a company called The New Homes Group [TNHG] and I want to see if any of you have come across them and if you have what you have to say. My situation is as follows - My partner has viewed a house and wants to purchase it. The house is in Witham, Essex. It is marketed by a local estate agent but…
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Mutual exchange - 42 day rule confirmation
Hi We submitted our application forms 5 weeks ago and when we chased again today the council said they required further paperwork from me to prove my grandchildren reside with me under a court order (I am a special guardian). They have stated that they cannot begin the process as this paperwork was not submitted - this is…
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Shared Ownership - High Rent Increase
Hi there, I wondered if anyone has ever had any success challenging annual rent increases in shared ownership? I'm with A2 Dominion and every year they put the rent up they maximum possible. They say they can raise rent annually in line with CPI (as per my lease) and they calculate the CPI the previous September for the…
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Management company hikes maintenance charge by 40+% without warning
Just had to listen to a tale of woe from my neighbour who owns a single small buy-to-let flat. The rent from it forms a mainstay of her retirement income. It seems after many years the freeholder of this block of flats sold up some eighteen months ago. The new owner's contracted management company, after putting up the…
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David Wilson new build home - garage issues
I’m looking for advice regarding ongoing water ingress in my detached garage (new build, moved in March 2023). I first flagged damp/water ingress to the developer in 2024. They carried out what appeared to be surface-level remedial work. Their own paperwork referenced a “potential leak”, but no proper investigation was…
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Buying a house (with bigger mortgage) in your fifties
I'm wondering if anyone has any experience with this please? DH and I are both in our early fifties with teenagers at home. We have outgrown our current house and there is no way to extend unfortunately. We probably could tolerate some of the issues but we would love to move house. We're planning on buying a bigger house…
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Reduced market value
We're buying a house from my parents at reduced market value and therefore are being given £20,000 in gifted equity. Has anyone done this before and who did you use? I've heard some lenders are happy to include the gift towards the deposit meaning we would need less cash ourselves. Ideally we will put between £10,000 to…
