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Help! Rent-a-Roof Solar Panel Dilemma
Hi. I’ve been house-hunting and found a great property – but with rent-a-roof solar panels. I’ve read lots that says “don’t buy”, but Freetricity advise this lease only has six years left (just over 20yrs in total). I’d hope not to be selling onwards during this time, so I’m not considering the expense of a buy-out. I need…
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Staircasing for £nil valuation - cladding hangover - advice please
I'd like some advice on the following situation please as I can't find the same anywhere else - not even Mr Google seems to be able to help with this situation: Background Shared Ownership owner of 30% share (SO). 70% owned by a Housing Association (HA). In early-2019, SO finds out building covered in non-compliant…
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EPC ...not sure how this would work out
I bought my house approx 25 years ago before EPC were around. Its a 1920s semi, a large ex-semi detached, previously a small guest house. New boiler and UPVC windows fitted in 2014. Also, got roped into the cavity wall insulation sales blurb, but then had it removed due to casuing damp. No GCH upstairs, just ground floor…
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Buying a house with Bitcoin (partially)
I bought some Bitcoin half way up the last price surge and sold near the top. Paid CGT. Had the funds in a deposit account for the last year or so. Now looking to buy a house, gains from the bitcoin speculation will fund a small proportion (maybe 25%) of the house price. I just found out that the conveyancer that I…
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How to find a structural engineer
You'd think this would be easy but no. I went to the Institution of Structural Engineers (IStructE) and used their "find an engineer" function. There is apparently no engineer firms within 100 miles of my postcode (Dorset). I called them because I didn't think this could be right and the person on the phone says it is.…
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Land missing from title-future lending problems?
We are buying a property, using a bridging loan, as its being sold under auction conditions. The property has two separate title deeds and the current owners have lived there since the 50’s. They bought the second title in the 70’s (im mentioning this as its before it all went digital) which is ajoining and used as a…
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2011 change to house buying contracts passing risk to buyer. Why?
In 2011 the rules governing house sales changed to say the buyer takes all the building risk after exchange. This means the buyer still has to complete even if the house burns down between exchange and completion. Yes, I know you would buy insurance to cover the risk, but I'm not sure I would be happy having just spent all…
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Stamp duty - transfer of equity.
Background - Ive just transferred 50% equity to my partner for 50% of the original cost ( bought last year ) No mortgage. The conveyancer did the transaction as myself as vendor then myself and partner BOTH as purchasers. Stamp duty calculated on his 50% consideration = all cool. Situation related to my question … However…
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Saved £400+ by doing my own new build snagging
Hi all, Moved into a new build last year and like a lot of people on here, I looked into professional snagging companies. Quotes were coming in between £300-£600 depending on the company, and honestly for a 3-bed it felt steep on top of everything else we'd already spent. I decided to do it myself but quickly realised the…
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New Build Anti-Competition Claims Leaflet
Hey MoneySavingExperts! Recently received a post through the door re: New Build Anti-Competition in my local areas. The content of which is a copy pasta from the website the flyer provided What Are "New Build" Claims? • Major housing developers are suspected of breaching the Competition Act by sharing information with Each…
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Septic tank (shared) upgrade - what would you do?
Hi all, I have belatedly learnt about septic tank regs - I should have known about them when I bought my house in 2021, but my solicitor didn’t flag up any potentially illegal water discharge (my survey did suggest a septic tank specialist survey, which I didn’t do, silly me!). I am surprised by this, as I thought that’s…
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Any landlords who will have to do the quarterly tax return?
Anyone falling into this category of having to do the quarterly tax return from next month? I understand that if your self employment and rental income together exceed 50k, you need to do the quarterly return. Anyone falling into this category and do your own tax returns?
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First time buyer
My FIL is selling his house for 185k he has a few offers, some are from first time buyers. Most of the offers are putting down 5% deposit. This to me sounds low as I am used to people putting down the standard 10% these days. Is 5% deposit a bit too low do you think and we are better off choosing the ones that are putting…
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Two house with equity - to one outright purchase
We have to move into a single house with aged parents. We have found a house to buy and what we will realise from the sale of our home and the pareants home is way in excess of the new property purhcase. The thing is we want to do the deal now - care in our current small home is very difficult. We have pensions and…
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Is my Land Registry Charge CH1 valid
We took out a local authority Housing Renewal Loan in 2011 which was secured against our property with a Land Registry Charge. Health reasons have led us to want to move home however the Charge on our property has become an issue. The council are claiming an amount far in excess of the amount stated on the charge and the…
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Selling 2nd home
We are about to buy a second home. If , after 2 years, we decide to sell it can we claim back the additional stamp duty or is that only applicable if we sell our present main residence?
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FTB a fixer upper going to closing date (Scotland)
I am a ftb and I have seen a 4 in a block flat near to where I'm renting. I am keen to buy but I have no clue about such things. I have a mortgage in principle and a broker and around £25-30k saved. I think i will have to offer more than the home report, currently offers over £95k but going to a closing date, and home…
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Council tax work around
I co-own a house mortgage free. We'd like to move to another council area and I've got a bank job with the NHS in that area already and work occasional shifts. We'd like a house in that area so I'm not always bunking with family, we can get our pets used to a new house plus the rental market is woeful. However, the council…
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Eviction after section 21
The tenants have a periodic tenancy. I (my agents) have served a section 21 which expires 5 April 2026 I am selling the property and have a buyer - he says he is happy to wait at the moment. The tenants have said that, as things stand, they can’t find anywhere else so won’t be leaving. They aren’t being obstructive just…
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Changing From Joint Tenants to Tenants in Common
Hello, My mum separated from her partner 3 years ago. Could one of you helpful folk point me in the right direction regarding which form to fill in to change from joint tenants to tenants in common. Thank you
