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Repayment of a key worker loan
Hi all, I am hoping someone here can help as I am at the end of my tether! Some years ago, my ex and I took out a key worker loan as a deposit for a home. We have since split up and are selling the property. The terms of the original agreement were that they would be repaid the percentage that their original loan covered,…
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How can you confirm the buyer is financially qualified to proceed
I have been with my current estate agency for at least 10 months and it is going down hill due to continuous lies, no communications even within their team and providing details that belongs to other clients and the list goes on. Worse of it all, I had found out that the buyer mortgage appointment was two weeks after the…
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Advice please, poor survey on a property I was hoping to buy.
Hello, I've just received the survey report on a property I was hoping to buy and to me, it sounds like there are too many negatives to it, lots of 2's and 3's in the report and only a couple of 1's, although I don't know if I'm being overly fussy about it, I've never done this before. It's a 1960's built bungalow which to…
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Nationwide Mortgage - Listed building whack-a-mole
Been embarking on my second purchase of a grade II listed house. I have owned one previously, and am no stranger to the potential issues and extra maintenance/investment they need. But my god - I am having a nightmare with getting a mortgage approved with Nationwide. On my previous house - 15 years ago now - it was…
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Share of freehold company and Person of Significant Control
I have a share of freehold where there are 5 flats with 20 shares each. There is a company set up with three directors including me. One person is named as a PSC even though they also have 20 shares so only 20% of the company. They are resigning and another freeholder will become a director. I think it is historical that…
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Estate agent asking for survey report
Hi. So i pulled out of a purchase because the survey came back really negative. Would cost tens of thousands down the line to fix everything. So i pulled out. 2 weeks later the estate agent has asked if i could send them the survey report so they can show it to the seller. Should i do this? I mean i’m not going back in for…
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Periodic Tenancy Agreement Template (private landord)
Hi all, Could anyone advise me on where to obtain a Periodic Tenancy Agreement Template for a private landlord, please? Also, where can I download a Right to Rent document? Many thanks Bruno
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Devaluation of my Property
Hi, just wondering if anyone has experience of a neighbouring property’s Japanese Knotweed potentially affecting their house £value and quality of life? I live next door to a restaurant, and their rear garden is a mass of knotweed, which is encroaching on my boundary - within 2m - and is now growing against the end wall of…
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Neighbour refuses repairs on my side, both leaseholds, freeholder invovled.
i’ll add a bit of background here, i (call me X) purchased a leasehold maisonette ground floor in England in September 2024, my neighbour (call them Y) also purchased their ground floor leasehold maisonette in September 2024. We both have a single upstairs neighbour, so there are 4 properties (2 on my side, 2 on theirs -…
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Estate Agents Confidential/Commercial Information
Is any information an estate agent gives you classed as commercially sensitive or confidential information? For example I've had 3 agents round to do an appraisal, discus marketing, commission rates, etc. All agents give me an estimated selling price, tells me what rate they charge, what upfront fees there are, what notice…
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Auction property
Hi This is my first post so please be gentle. I am due to view a property this week and it's currently being marketed pre-auction. It is a cash purchase only (non-mortgageable) with a high buyers fee. It has been converted however it doesn't have any planning permission or alterations certificates. This would be my forever…
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Lost building control completion certificate for house we are selling
We're selling our house and it is under offer. During the process of responding to conveyancing queries, we have discovered that we have mislaid the building control completion certificate for the loft conversion we had done in 2004 to create a master bedroom en suite. Our solicitor has offered indemnity insurance but the…
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New build signed off by NHBC but active construction site and access always being blocked!
Hi We have just completed on a new build house which we love. It was signed off by the NHBC and we have their warranty certificate. It is in the grounds of an old hotel so there are seperate designated car parking spaces which are a walkway away from the house The hotel is still being renovated and is an active…
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Online conveyancing
Has anyone got any experience with online conveyancers? I got some quotes through Best Value Conveyancing and they seem too good to be true to me. We have a quote from a local conveyancer which was £1,650 plus disbursements, whereas the lowest quote we got from online was £795 including the disbursements. Any comments…
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I caught someone fly tipping
I caught on my camera my neighbour son emptying his car and leaving the bag of rubbish outside my house on my camera. I get in with my neighbour and don't want to cause arguments but I dont think this is right! Should I leave a note on his car to give him the chance to remove it? I do t like confrontation
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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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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
