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Charges for not selling .
A bit of advice please looking to sell my house after phoning a few agents settled on one but received the contract to sign and there is a clause to say that if we agree a sale but decide to cancel or pull out we will be charged half the selling fee ( .5% of the value of the property ). Also it says there is a a 6 month…
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House Buying, Disabled, Benefits.
Hi all, There are 4 of us, all with disabilities, 2 with wheelchairs. We all get some kind of Benefit Support. Even as ex forces with a war pension, there are no suitable homes to be able to rent, so we are looking into trying to buy somewhere to get adapted for us. Is there somewhere we can turn to for advice, and…
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Advice from private landlords on set up
Hi all, Using a new profile as I can't access my old account but I'm new to the rental boards after years on debt-free and mortgages instead. Situation has changed a little over the last few years and I am hoping to get some advice for my mum and myself on whether what we are looking at is reasonable/will be affordable for…
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Leaseholder's family.
We recently formed a company and bought the freehold to our flats. Eleven of us are now shareholders, but three leaseholders did not want to buy a share of the freehold. Relatives of one of the remaining leaseholders are demanding that the Company provide a dedicated Disabled parking bay to enable them to to visit their…
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Has anyone had a solicitor treat Moneybox LISA Gift Link contributions as gifted deposits?
Hi everyone, I'm hoping someone with conveyancing or mortgage experience has come across this before. I'm buying my first home in Scotland and using a Moneybox Lifetime ISA. My LISA balance is around £11,000. Of that amount, £2,000 was contributed using Moneybox's official Home-buying Gift feature, which allows friends and…
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Capital gains tax question
I have a property on a BTL mortgage. I know if I sell it I pay CGT. If I make a will that says property to be sold and proceeds given to person X, does X pay CGT? Or does my estate pay it before they get their bequest? Or is it not paid because X didn't buy it in the first place? Thank you
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Do I need a solicitor to change name on house deeds?
Hi all. As the thread title states, do I need a solicitor just to change the name on the house deeds? The property is fully paid (no mortgage) and it's less than a £100,000. It's a small terraced house. The name change would be from my sibling to myself. That's it. Thanks.
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Micro housing ?
Why has our planning system in the UK focused on massively expensive bricks and mortar homes ? With modern materiels and bulding technology now it is easy to create a comfortable home on a permenant or non permenant basis on small holdings, unused agricultural land, repurposed land ect there are plenty of ways to do this…
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Tenant agency won't accept Notice to Quit (England/London)
Hi, Long story short, my partner had a joint tenancy agreement with his ex-wife on a flat in London whilst they were married. When he got divorced, she kicked him out of the flat. They have 1 child together, and she currently stays with the mother. He's having difficulty to remove his name from the joint tenancy agreement…
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PDC Debt recovery fees
Hi all, In December, I am a leaseholder and wrote to Remus management to ask some questions about being abroad for 6 months. Unfortunately, this was on my work email which I can no longer access, and I didn't explicitly request all communication to come via email, only asked some info questions. I then had a service charge…
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Buy a house for student Son?
My son is off to uni in September for a 2 year course. Looking around it would be cheaper to buy than rent (isn’t it always) Should I help him buy it (he has 1 year Lisa) should I buy it and rent it to him, or should I set up a company and buy it and rent it? I’m a normal rate tax payer, but could get close to the…
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!st time buyer & stamp duty.
First, thank you to all who read & reply to my query.. (my hubby calls this site "money saving Superman" 😁. This will be a long post because I don't want to leave out relevant details. So, my hubby has been in the army for 43 years.😮. He has one pension & will have another next year when he is 60 . We have lived in…
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Pay debt or apply for mortgage first
Hi, looking for advice on following - Want to buy first house in 12-15 months time. My income £75k Wife's income £28k Savings in wife's name £10k Savings in my name £0 Debt in my name £28k (all credit card). Debt utilisation is 28k/30k. Bills up to date. In next 12 months can put aside £30k. Do I A) pay off all Debt and…
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Stamp duty land tax supplement
I had a 4 bedroomed house (my main residence) and a one bedroomed flat (a second home). I sold the house a couple of months ago and moved into my flat, which I also plan to sell in order to buy a new house. However, I am having difficulties selling the flat and am therefore looking at buying a house before I sell the flat.…
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Unowned access to garden
We are a few weeks down the line of purchasing a house which has a secondary garden area, accessed by a narrow path around 6 metres long from the back garden immediately behind the house. The title deeds have come through and the ownership of both gardens is clear, but the path is not owned by the seller. It is behind the…
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Freeholder asked for references
Hi, I am buying a buy-to-let. There is nothing preventative in the lease, and the estate agent never disclosed I was buy-to-let to the seller. The freeholder asked for two references and the mortgage offer to complete paperwork. I think the freeholder assumes I'm going to live there. Anyone ever heard of this? My solicitor…
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Transfer of equity to spouse, diy possible?
I have a property which is in my name only, purchased in 1992, and currently rented out. Property value around 200k, BTL mortgage of around 110k. I am self employed, but only work part time now due to health issues (arthritis) I'm trying to keep my turnover below 20k to avoid the extra hassle of the new MTD rules. This is…
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Retrospective property valuation for Capital gains tax calculation.
I was added to my parents property deeds as a joint proprietor in April 1999. So a third share. My Dad passed awary November 2025 having been pre deceased by my Mum 10 years earlier. I am now about to sell the property. Will my gains calculation run from the 1999 date when i went onto the deeds or the 2025 date when Dad…
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The big decision, to carry on renting or to buy?
Hi all, I am in a dilemma at the moment and I need some good advice. I am a 58 year old, I did own a home but had to sell and go back to renting 18 years ago during the 2008 crash. I had money troubles after that, but cleared all that up more than 8 years ago and have an excellent credit score now. My wife is a US citizen…
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Quotes fox fixes
Hi. I’m in the process of buying a house. Iv had my survey done and plan to have an engineers report done this week. Once i know what needs fixing and once i have quotes, do i send these quotes to the estate agent and ask to renegotiate? Or do i send these to my solicitor and they renegotiate for me? Thanks
