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Mortgage valuation survey- are we paying more than the properties worth?
Hi, we’d really appreciate some advice. We’re buying our first home together and it’s a renovation project which neither of us have done before. We’ve seen a 1930s house we love and it was on the market for £530,000. Unfortunately no neighbouring homes have sold for many years and the house we’re buying has been owned for…
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Leasehold flat - failed fire safety risk assessment- what am I on the hook for?
I kind of knew something was up a few weeks ago when I got a deed of certificate request and now sure enough an email has come through saying the block has been downgraded to B2 (from A1) and they are putting in place a 24hour fire watch, installing 'a compliant fire alarm system'. So what' mystifying me right now is 1)…
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Signing Standard Security Scotland
What does standard security mean? Does that refer to mortgage paperwork? Can it be be signed remotely or must it be done at a solicitor's office?
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Issues roof structure within the loft shown up in our Homebuyers Survey
Good afternoon. My partner and I are in the process of buying our first home together, when we viewed the property we were told it had, had a new roof 2 years ago, we’ve recieved the paperwork from the solicitor stating that this is the case etc, so we thought that that would be the one thing that wouldn’t show up on the…
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Viewing houses with conservatorys
Im looking at moving to a new area, some houses within the area I want and budget have a conservatory, any pitfalls I should be aware of, Ive always known them to be a waste of space, cold in the winter and hot in the summer.
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Selling Property and part of my front garden and driveway is unregistered land
Hello, I am just sold my house and I am concerned the buyers might pull out due to part of my top front garden and driveway is not on the land registry. The house land registry was applied in 1990, however my house wasn't built until 1993 and the footpath was moved back, but this was never updated on the land registry. The…
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Haysto mortgage advice
I have been given a section 21 by my landlord so need to move out. I have no money for a deposit and can’t save and pay rent at the same time. I have been contacted by this company and passed their initial affordability calculator, they have told me they can source me a 0% deposit on a shared ownership property I am…
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Higher rate SDLT on main residence
I have been a tenant for 31 years and have now been given
the opportunity to purchase the property from the landlords. It is my main residence. I own 1 buy-to-let property which provides
income but I have never lived there. The
question is regarding higher rate SDLT. The
HMRC SDLT calculator asks if I am replacing my main…
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Selling council house need help
Hello, My mum got a £27,000 dicount when buying her council house and it was a £30,000 mortgage. Now my mother took out a mortgage with he partner but they have now seperated. The house is now worth £150,000 and what i would like to know would it be a straight 50-50 split or could my mum take the £27,000 discount she got…
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Level 2 Survey question about roof membrane
We had a level 2 survey on a property and one of the comments is The roof is lined with a
proprietary plastic membrane beneath the tiles. This is a modern replacement
fortraditional roofing felt, with greater life expectancy and superior
performance. The product is a semi-permeable membrane and, if correctly used,
can…
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Section 13 query
Thank you all in advance. I hope you can provide me with an answer to my post as i'm struggling to clarify what I need to do or not next. My letting agent tried to serve a section 13 in April 2025 raising my rent from 650 to 695 I contacted them to inform them that it was invalid as it was only 10 months since they served…
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Extension and build over agreement
Im not sure which is the moat relevant category sobposting here too! We have had an extension built and are now in the position whereby we need a retrospective build over agreement from united utilities. It's retrospective basically because UU dragged their feet and dropped the ball when they were initially notified by the…
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Advice on recovering money owed by neighbour
Hi, first time poster here and apologies if I’ve posted this request in the wrong category, and for the long winded explanation of the circumstances. I’m looking for advice about how I can recover a sum of money that I believe I’m owed by my next door neighbour. During the significant UK wide storm we had on 25th January…
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Who gets keys first on completion day?
Hi everyone, We’re completing tomorrow and, not that it’s really that important (but I’m in a hole trying to understand it all!), I was just wondering how the money transferring works on completion day and who gets keys first. We have 4 properties in our chain. We’re FTB. Am I right in thinking on completion day it starts…
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New build easy mover scheme vs private sale
We're in the process of trying to buy a new build and picked out a plot, paid £500 for it (refundable) and started the part exchange process. Had our current home valued but while we were waiting they took reservation from someone else so it's no longer available. We've picked out another plot which on hindsight is…
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Offer to buy the freehold of my flat - should I take it?
I own the leasehold of a two-bedroom flat, the upper half of a terraced house. There is about 80 years on the lease remaining, with an annual rent of 50 pounds. Downstairs needs to extend their lease and are keen to buy the freehold in the process (the previous owners of my flat extended before selling). They've been…
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Solicitor error on deeds.
Hi Not sure how to progress with this problem, help needed. Set up a new company with a partner, our first, buy to let property, we purchased our first property a one bedroom flat, when I checked the register the property had been registered in my name and not the company name. My solicitor has admitted the error, sent…
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Fence ownership confusion
Hello, I have a question about fence ownership. Our neighbours seem
to think they own the fence between our semi-detached houses. We found out
after they replaced the fence panels, changing the style. We’ve lived here
longer and always thought the fence was ours because it’s built on our side of
the property boundary and…
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Leasehold Extension Premium Costs
Hi All I have a question regarding the process around setting the premiums for extending a leasehold. I am in a complex of around 300 flats and along with all of my neighbours we have 81 and a half years left on our lease. So I have gone into a process with five neighbours to extend our leasehold by a further 90 years.…
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Is it normal for sellers to continually increase price due to ‘amenity land’
We are purchasing our new home that had the option of additional land. As it was around 30 acres they said it would be sold for £250000 for the lot. We didn’t want all that asked for 2 at 10k and acre. ( as that’s what we were told the priece of land adjacent to our property was worth.) They came back and said it was…
