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Help: Why is my partners Equifax credit score so low?
Hi all, Me and my partner have had an offer accepted on a flat and we’re just about to put our mortgage application in when he checked his Equifax score and it’s at 502 which they list as ‘fair’. His Experian score is 999 so we’re a bit confused about why this could be. We compared the reports they have and there doesn’t…
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we had no idea that our solar panels might be a problem
we are selling our home. In 2011 we had the free solar panels installed by Ecovision, they are maintenance free and to be honest we have not had anything but positive things to say about them. We have loved the free electricity and we couldnt afford them at the time so it was win:win or so we thought. We informed our…
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Estate charge increase, lender want proof it won’t double in 25years
Hi, I’m looking for some advice, myself and my partner are in to process of buying our first house, it’s a freehold property although has an estate charge which is currently £30 per month, the house was built in the 80s. Our lenders have now got a concern of the estate charge increasing and worried that we would then not…
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Agreed rental but just noticed it's up for Auction
Hi I've just agreed to rent a property but have now noticed that it's up for auction. Also I've noticed it's £100 more a month then the previous tenants were paying. Anything I should be concerned about here, if they sell would that mean I'd need to leave or could the new landlord try and put the rent up even more. Also it…
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Mortgage Advice
Good Afternoon everyone, Apologies for any errors here, this is my first post.I am writing this post as I really need some advice.I have a mortgage on a property that I bought in 2007, and this has been an interest only mortgage for quite a while now to keep the costs down. I lost both my parents in 2022, and we are…
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Buying house with unofficial loft bedroom - the final reckoning
This is a bit of a long one, reprising a couple of earlier threads but with all the info in place now.House was advertised and priced as 2 bed with agent's listing stating final works (fire door and window) being done to satisfy building regs for the 2nd bedroom in the loft. About 6 weeks into the purchase process it…
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Parking rights
Hi. My daughter bought a flat 3 years ago. The flat has a dedicated parking space. There is a tree that has become so overgrown and is now impacting her space. All the freeholders agreed to get the tree removed, bar one who did not want to pay the cost. The mgmt company planned to go ahead regardless but the resistant…
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Complicated stamp duty question - becoming liable for more stamp duty if getting married
Hi all, Complicated one for you. I will get proper advice from a solicitor, but thought I'd start here! I have owned a house with my now ex-wife since 2014 and will do for at least another ten years. It's where my child lives and have no intention of disrupting them even if I could. In 2024 my partner bought a house which…
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Shoosmiths Switch
Hi, I've been recomended this conveyencer by the Estate Agent I selected to sell my flat. Anyone got any experience of them?
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Solar Panels and RTA/ RTB
Can someone please help with this! Im in the process of buying my housing association home through right to acquire. House has been valued at 98k, discount 9k so total is 89k however they are saying I need to purchase the solar panels on the roof at an additional cost of £4770 so this brings the total to £93770. My issue…
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Buying selling a council property through Right To Buy, tax implications
(This might be in the wrong section to ask, if so can the moderator move this thread). I'm a council tenant who has applied to buy my council home through the right to buy scheme. The council have made me an offer with a large discount. After 5 years I can sell it without having to pay back any discount but what Capital…
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Are open house days effective?
We went on the market last week and have had one viewing but the viewers aren't in a proceedable position. We are really keen to get going and wondered about doing an open house. Is this a good idea? Likely to generate more interest or not?
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64 and not a lot of captial. Should I sell my house and put money in savings?
I'm 64 still in employment on a salary of £62,000. I have 3 years until retirement, but could possibly go part time and work for longer though not sure I want to do this. I was in a relationship for 20 years with someone who blocked any opportunities to buy a property and consequently we missed the boat. We luckily had a…
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2nd home council tax
Hi, I use a 2nd home which I've bought to stay at while working away 2 or 3 nights a week. I've always paid full council tax on this but I've just had my year's bill doubled with a 100% uplift for 2nd home, they now want nearly 4.3k a year. Is there anyway to reduce this as I now have to consider leaving my job and selling…
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Cash buying companies
UPDATE.........I have decided to go down the estate agent route and hope for a quick sale. Thank you everyone for your comments I will ask admin to turn commenting off 🙂............I have read all the warnings on here about avoiding these types of companies however for reasons which I don't want to go into on here I need…
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Chief Rent?
Seen a house for sale, and it says Freehold and Chief Rent. What's Chief Rent?
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Tampered electric meter
We had a faulty electric meter which eon came out to replace, on arrival the found the meter had been tampered with and bypassed at some point they deemed it dangerous and a criminal offence and asked me lots of questions even though we knew nothing about it. Contacted landlord who wasn’t bothered so contacted estate…
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Conveyencer reccomendation
Hi all, I have a £250000 flat to sell in Sutton, South London and am seeking reccomendations here. Anyone had any good experiences with conveyencers recently? There is no mortgage, the flat has been let for 15+ yrs and is leasehold.
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Manhole inside property-
I have viewed a Victorian 3-bed, 2 storey terraced house. It has a manhole cover in living room near entrance. It's covered by carpet (looked dated) and could not lift carpet due to grippers, so could not view the condition of cover. I was wondering what would you advise? Estate agent suspects carpet not been disturbed for…
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Responsibilities of being a director of a freehold
So still considering buying freehold for our leasehold block of flats, still worth it with new legislation? Regarding directors, we need two. What are the responsibilities of the role?
