-
Council tax bill for newly purchased property
Hi. My sons have just bought a house which was empty for over a year. They are doing some work before moving in (central heating) but have been hit with a council tax bill double the standard rate as they are being charged 100% extra because the property was empty for over a year. This seems very unfair (and not affordable…
-
Costs when tenant leaving after serving court papers but before hearing
Have searched the forum and the google and couldn't find anything so this is my situation Informed tenant I would be reclaiming the house in November, S21 issued in December, with a date to leave in Feb. They then went completely radio silent until a few days before S21 expired with a list of issues with the house. All…
-
Tenants in common, joint assests, possible care home fees
As the title reads, is it legal, and how does it work? In my view it is only fair if one half ends up in a care home that no more half of the assets are taken into account. How do you go about the above for a pretty you live in and jointly named on deeds, your monies/shares jointly named and land jointly owned by a married…
-
Methodist Homes
My mum lives in sheltered housing run by Methodist Homes and I have power of attorney so sort all of her financial affairs. I have just been told that my mum has an outstanding debt of £11,400. I have had no previous communication about this and she has been in the home since 2021. In February last year, they sent me an…
-
Giving notice to a tenant
Hi, Just wondering if anyone can help me. I have a rental property which I would like to sell. The tenant has been in the house for 15 years and they haven't had a rent increase in that time. What is the correct way to give them notice? I was with a building society to initially find a tenant and then went it alone. Their…
-
Two sticking points with house purchase - damp and FENSA
Damp - L3 survey has identified * readings of up to 30% damp in walls above skirting boards, but no visual evidence. * cellar has evidence of visual rising damp Damp is quite common in old properties like this. I've viewed some which were obviously damp but this one didn't have any smell or other indication of damp that I…
-
house with 2/3 completed extensions on planning application but no sign off!
Hi all, Just looking for a bit of advice on a property I am purchasing. The vendors applied for 3 extensions on 1 planning application 5 years ago, a front and rear porch and a side extension. The porches were done during Covid but the side one hasn’t been started yet so they didn’t get sign off at the time until they’d…
-
Adding an additional bedroom
What approvals or paperwork is required to turn a 3-bed property into a 4-bed property, that primarily comprises internal alterations? What would an estate agent ask for (if anything) at the time of selling as a 4-bed?
-
Section 22 - Housing Association asking for invoice pack req payment
Hi, I have this month asked my housing association for the years invoice pack, as we regularly get invoiced for items / jobs that have not been undertaken or do not relate to where I live. However this year they have just advised that they can no longer supply an emailed copy of the pack & that if i want this I need to pay…
-
Costs of valuation survey (lender) and homebuyer survey (surveyor)
Am I right in thinking that the valuation survey costs, paid to the lender (£240 in my case) are not deducted from the cost of the homebuyer survey? I.e. I have to pay for both separately? How much should a homebuyer survey cost? I'm quoted £563. It means I'll be paying £800 in total, is that normal? I ask because the…
-
Mortgage discharge
My mother has left me her house, but on checking her papers, the mortgage has not been discharged yet, do I have to have mortgage discharged before I apply for confirmation
-
Title deeds/ covenant
My house title deeds says the below can someone explain what this means Thanks The transfer to the proprietor contains a covenant to observe and perform the covenants referred to in the charges register and of indemnity in respect thereof. Restriction No disposition of the registered estate by the proprietor of the…
-
LISA £450k limit - increasing chances with vendor
My partner and I are looking to buy in London. We both have LISAs and are therefore restricted to buying a property under £450k - however, we’ve found a perfect flat that’s on the market for £475k. We suspect it will be popular and we will be competing with people who are able to offer closer to the asking price than…
-
Form AP1 and how to remove a name
Form AP1: removing a name I've yet to find anyone else in this situation. I have sought professional help and every solicitor has either said they are too busy, do not handle the situation, or have failed to respond at all. I need to get a name removed from the deeds of a house that I partly own. When my parents died over…
-
Mortgage transfer
I am writing on behalf of a friend. If I have a part-time permanent job and also work as a paid trainee. The annual income from both jobs is £25k, will the bank allow me to transfer the mortgage to just me in the amount of £116?
-
Should I lower front ground levels aswel
I'm having the side of my house a channel digged down 6inches £300 and going to fill with gravel as the dpc is at ground level and an air brick is right in the middle of it with some guard thing. I've had damp in my entrance hallway which was caused by this. I was also considering lowering my front aswel but I've lifted…
-
Lease extension joint freeholders.
Hi. I share joint freehold with my upstairs neighbour on a Victorian semi that's been converted into two flats. We also have a lease between us. I own outright and my neighbour has a mortgage. We are looking to extend the lease, currently at 68 years, as she's having to remortgage and it's been something we had planned to…
-
Lease and MA's refusal to observe
Recently, we had an interesting encounter with MA when it comes to repair. The lease states that the front door, its frame, windows, and its frames are "subject in all cases nevertheless to the obligation of the Management Company for replacement repair" in verbatim. Long story short. MA refused to observe, denying the…
-
Financially linked to my partner during his lone mortgage application
Hi. I’m after some advice. My partner (were not married) has been gifted money from his parents for a deposit for a mortgage, this will be a mortgage in his name only as i have a bad credit history including a CCJ. My concern is that we are financially linked by a joint bank account and our water bill (in our area this…
-
Stamp Duty - Shared Ownership
Hi all I have been reading article after article to work out what I would pay in stamp duty and i'm just getting more and more confused. Maths was never my strongest suit and stuff like this just confuses me so I am hoping for some help from the wonderful people here. In 2017 I paid £96k for 40% of my current property…
