-
82 year old facing homelessness
My mother is 82 and has been asked to leave her flat of 5 years as the landlord wants to sell it. We've had very little help from the council, and places to let are thin on the ground. How can we get help with this? Thank you
-
Form 17 and declaration of trust for FHL
Hello, Anyone know the step -by-step process for the Form 17 and declaration of trust when dealing with FHL’s? I want a 95:5 with my wife so do I fill a form 17 in online along with a trust deed sent to HMRC by post? Do I just date these for the 6th of April and send to HMRC straight away? Thanks!
-
Results of survey - what do we worry about and what’s manageable?
For context, it’s a 3 bed link detached property in commuter belt Home Counties area. On a 80s/90s estate, has been empty for ? A few months as it’s an ex rental that’s being sold. I’ll put the more personal context at the bottom as it’s probably clouding us a little and I would really appreciate just objective opinions! I…
-
Shared garage through shared driveway, can I knock my side down?
Looking to put an offer down on the property below, and I understand that the driveway is shared. The shared driveway let's you walk upto the garage as the path is too small for a car to drive through. What's peculiar is the fence around my entrance to the garage. The fence implies the boundary begins from the fence, and…
-
Buyer hospitalised after exchange
I wonder if anyone can share their experience or expertise. I am in a chain, exchanged a couple of weeks ago, completion date has passed. It’s been established that the cash buyer at the bottom of the chain has been uncontactable for a week. His solicitor has established he is in hospital. He has made no contact with his…
-
To staircase or not to staircase (shared ownership)
Hi, I’m looking for a bit of advice on our shared equity house. We have a 45% share, we pay £630 pm mortgage and £370pm rent. We’ve been here for 2 years and bought it from new (5yr fixed rate mortgage, and house valued at 250) we are looking to pay off some debts and move within 5 years to a fully owned home but we wonder…
-
Environmental Reports - Contamination Concerns
Trying to purchase a house with some land. The land is one paddock/field that is currently agricultural. We were aware that the land was previously an open stone quarry and has been infilled (some time in the 1950's) Our solicitors searches have come back with "possible contamination - further action required" Our…
-
Cash Buy Help Needed Please. Help to Buy ISA
Hi. My current situation is. 42 years old. I have £55K saved up. Interested in Leasehold straight cash buy. Seen some around 50K with over 300 years left on lease. I opened a Help to Buy ISA years ago. Nothing in it at the moment. First time buyer, what are my best moves in this position? Can I use the bonus from the ISA…
-
Shared ownership and staircasing
My husband and I want to buy (currently living at my parents to save). I have been looking at shared ownership as I don't think we can afford the deposit for a house. I was wondering what people's current experience and opinion of it is? Also what happens if you can't afford to purchase more of the property?
-
Staircasing - what threshold applies and am I considered a second time buyer?
Hi all and mostly @SDLT_Geek :) Wondered if you could help! So I bought a shared ownership property in April 2022 - full value £412,500 (I bought 40% - £165,000). When buying in 2022, my solicitor really didn’t go through the stamp duty in detail so I just assumed I didn’t need to pay. I’d like to staircase to 100% in 2026…
-
Two structural surveys and two different conclusions
I am in the process of selling my late mother's house. Just before Christmas I accepted an offer. Their buyer's survey report rightly identified cracks in the back wall as a concern and recommended a structual engineer look at them. The report came back as 'progressive subsidence' which completely suprised me. He…
-
Registering Copy Memorandum of Staircasing
Hi, In a nutshell, my question is can a (non certified) copy of a memorandum of staircasing for my leasehold flat be registered at Land Registry where the original memorandum has been lost? If not, what other ways forward might I have? I’m afraid it’s quite a long story with a sorry catalogue of mishaps… I’m in the process…
-
Help! Step crack in bricks
I have spotted two separate step cracks coming from the same window. Is this a huge red flag for subsidence or could something have caused this. Any help would be greatly appreciated. Thanks in advance!
-
Married couple planning to live separately, what are the council tax implications please.
Hello I wonder if anyone can answer my question. My husband and I jointly own a house and have decided that we would be happier if we remained married but lived in separate places. Am I right in thinking that since we would each be single occupants we would both be eligible for the 25% council tax discount? Thank you in…
-
Lease Extension and Solicitors Responsibilities
My solicitor recently extended my leasehold prior to me marketing and selling my flat. The same solicitors practice are also now acting on the sale of the property. It has transpired that the original title of my flat does not delineate between the 2 flats (A and B) making it difficult to interpret the respective covenants…
-
Middle name missing - Statement of truth.
We are selling our house and almost at exchange point. My husbands middle name is not on the Title at the Land Registry. However it is also not on his passport so therefore matches that ID. The buyers want us to update the LR with his full name. Our solicitors want to charge us an extra £125 + VAT to do this. I've said no…
-
SDLT forms to HMRC for gifting house
Hi all, We are considering helping our son with a gift of our residential home. I understand that stamp duty is exempt as there is no consideration for the gift of the home. However do we still need to notify HMRC via SDLT forms? I have searched online for answers but can't find the specific answer. Hoping someone here can…
-
RTB Valuation – Tenant Improvements & Whether to Query or Go to District Valuer
Hi all, I’m helping my mum with the Right to Buy process for her housing association home, and we’re trying to make sense of a few things in the offer. The HA’s valuation says they’ve excluded a list of improvements my mum’s made over the years—like fitting her own bathroom, installing patio doors and much more—but they…
-
New homeowner but not moving in straight away.
First time buyer and finally secured new home, however it needs a lot of refurbsihment before I physically move in so am still living in parents home (and never lived anywhere else) which could be for 3-6 months at least. So far done home insurance and in process of switching energy suppliers under my name. i know there is…
-
Full & Final
Hi There My 3rd query in a week sorry. I'll keep it short. Property i want to buy been on for a while lots of viewing no offers. (EA told me this while viewing) I offered below asking (not much) 3 weeks ago, was rejected buyer wanted closer to asking, it would be an extra 2k Went back this week with same offer as original…
