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Mortgage repaid 27 years ago but still charge on property.
My father passed away at Christmas and I'm helping my mother deal with everything. The solicitor dealing with the Grants of Administration has advised that there is still a charge on the house when the property search was done. I know the mortgage was cleared in full in 1998 and I have the Form 53. What can be done to…
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buying a leasehold flat on auction w/agressively obstructive freeholder
Hi I wonder if anyone on here has experience of buying short leasehold flats on auction when there's no lease and the freeholder is being obstructive because they want buy it back themselves to turn a big profit from the problems they are causing? There's a repossessed flat coming up with various red flags but an amazing…
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Housing associations - bank accounts
Hi, I am currently on a shortlist for a housing association and the housing officer has postponed my affordability meeting, as I haven’t disclosed a bank account that is in my son’s name. My question is, Does anyone have the ability to see how many bank accounts you have?
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Restrictive covenant
My son has recently purchased a plot of land to build a house. There is a restrictive covenant that the land can only be for one house and garage but as there is a large field to the rear he has been approached by a developer to sell some of his land to provide an access to the landlocked field. Would an access road be in…
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Leases and garage repairs
Hi - looking for some advice on leases and responsibilities. I have a one bed flat with a freestanding garage in a block - which is included in my demise. * My lease includes a clause stating that, after giving at least 28 days' notice, the Management Company is responsible for maintaining, repairing, and renewing the…
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HM Land Registry Issues
We are currently in the conveyancing process and are waiting on our buyers enquiry to proceed with exchange of contracts. Unfortunately, our buyers are selling their house to a FTB, the house is 4 years old on a development which is still in progress, the current owners have never had to pay a service management fee,…
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New build house off plan - changes in spec
Hi all We’re in the midst of buying a new build house off plan so we’ve not yet physically seen the property as it’s still being built. We were casually made aware by the sales office that the doors downstairs will be French doors rather than bifold (which is not our preference) and he mentioned that only the 4 bed+ houses…
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Charges for a bridging loan
Anyone had this situation? Need help please? I’m a leaseholder with no mortgage but my freehold mgmt want to charge me £192 for the privilege of taking out a bridging loan as I needed money quickly. Considering my ground rent is only £100 a year!!!
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Selling a park home
Hi everyone, my father has just got into a residential care home and he was living in a park home. Luckily, it’s under my name and has been for nearly 10 years so I can sell it. However, the owner of the Park has said before he would let us sell it on the open market we have to fix the fence which I think is fair enough…
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Housing Association has sent me the previous occupier's tenancy agreement, what should I do?
I've rented/lived in a local Housing Authority property since 2004, and to prove my tenancy in order to clear up a small legal matter I recently requested a copy of my tenancy agreement from them. You can usually request this online and they just upload a copy, but for some reason the HA's website was being unresponsive,…
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Crap end of tenancy checkout missed significant damage
Hi All, First time landlord here renting out my property to cover the mortgage whilst I work abroad. I’m looking for some advice about where if anywhere I can make a complaint about (and ultimately force a refund for) a poorly done tenancy checkout report that missed some significant damage to my flat. The checkout report…
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Valuation came back significantly lower than agreed price. Need help with negotiating techniques.
Hi There, We just got back our RICS Level 2 survey+valuation draft sent to us and the first thing the surveyor insisted on is that we are paying a lot more for the property based on his assessment of sold house prices nearby. 50k to be precise. Background we agreed to purchase the house for 825k originally. It's a 3 bed…
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Council tax second home premium
Hello. I live in Germany in rented accomodation, but when I retired in 2023, I bought a small flat in my home town in England to use as a holiday flat. The first year, I paid normal council tax on my UK flat, now I have been issued a new bill with the double amount of council tax one being a second home premium. It doesn't…
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First Time Buyer - Rough costs for energy please?
Hello all I'm a single person and I'm moving into a 3 bed semi-detached new build home, which has been rated Energy Efficiency Band B, but I was wondering if anyone could give me a rough idea of what Gas, Elec and Water would be per month? The house won't be finished until September but I'm trying to get a good idea of…
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Buying house before completing sale on current home
Hi there - a quick query: We are looking to move house. We've found somewhere that's ideal, but would need to purchase before our current home sells. We can mostly cover this by using retirement savings/inheritance which would be replenished when the current house is sold. However, taking into account the extra second home…
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how much service fee is for providing stamp duty Land TAX calculation document for staircasing?
Hi. I have been trying to do staircasing for my shared ownership property and my property lawyer could not calculate the stamp duty Land TAX for me, so I need to have someone or a company which provides me SDLT calculation document for HMRC. Does anyone know which company does it and how much could it be? I am looking…
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Online Conveyancer.... best option?
We have a small area of land to sell. It is in my sole name and has it's own Title (which I have). I have had several offers. As the value is less than £10,000, I am trying to find the cheapest conveyancer / solicitor to do the work on my behalf. One of the offers has come in saying they do not need a coal mine report done…
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Squatter, tenant, eviction…. Help
Hi all, My mother died and left a will that requires the house to be sold. The house is on the market. Whilst she was alive she allowed one of her grandchildren to live in the property. Therefore, there is no written agreement/tenancy. She doesn’t pay rent and doesn’t really look after the property (refuses to mow the…
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How To Choose a Conveyancing Solicitor/Understanding A Quote
I'm planning to purchase my very first flat in the UK (between 240 000-275000) and I'm encountering some difficulties to find a solicitor and to understand whether the quotes that I've been given are reasonable. Two of them have given me a quote for £2500 and one in the area where I plan to buy the property has quoted…
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Difficult neighbours
Hello all. I own a share of freehold with my downstairs neighbours, just 2 flats in the building. Everything is split 50 50 and the service charge is as and when. We recently encountered difficulties with my neighbours over maintaining the building and it is difficult to communicate with them about anything. So that we…
