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New Build flat, Completion date no keys
I am a bit confused regarding to the definition of a completion date. What I gathered is when full payment made and keys are handed over. On my completion date, no keys are handed over until 2 months later. Yet I made a full cash payment. I am getting charge for bill like service charges, electric, water and council tax…
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Selling privately, how did you handle it?
Hey all. Has anyone here sold a property privately (no estate agent)? I’m trying to understand what it’s actually like. If you’ve done it or tried and gave up. * What was the biggest pain? (time-wasters, scams, viewings, negotiation, paperwork, etc.) * Did buyers seem to trust it, or were they wary because it wasn’t via an…
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Online Conveyancing? Pros/Cons
I'm sure this has been asked many times before. So I set about googling this subject, pro's vs cons etc and havent got a clear answer. Since we are a bit fed up with our previous solicitor we are seriously considering using an online conveyancer. the lack of personal contact doesnt particularly bother us as its not that we…
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Leasehold property - landlord trying to sell Freehold
I've lived in my terraced house 30yrs and have just paid off the mortgage. I have received a letter from a legal company stating the 'landlord wants to sell the freehold, at such an amount. I don't want to buy the leasehold. With legal fees etc its not worth it to me, the leashold has 800years left. Any advice for me,…
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Home insurance for renovations
We're looking to buy a house soon that will require around 9 months of building work (extension/renovations) while we aren't living in it. I'm looking for advice of what cover we need and which providers to try. I think there might end up being a 2 month period between exchange and completion, followed by another month…
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Can I get a new lease or should I wait
Hi I bought a flat with only 48 years lease left. Questions 1) do I have too still wait 2 years before i can apply for a new lease? 2) do I have to use a RICS regulated surveyor and pay for it upfront like the Freeholder has requested 3) Will marriage value make any difference if it is abolished? 4) Has anyone used…
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Buildings insurance, subsidence and a withdrawn mortgage offer
We are now at the point of exchange on a property with a recent (2021) history of subsidence for which there was an insurance claim. Our mortgage lenders have withdrawn their offer based on the fact that we cannot get buildings insurance with an excess of lower than £2,500. As is standard, the mortgage offer states the…
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LNPG Account
Hi everyone, Does anyone here use an LNPG account? I’m considering opening one for my rental property. I’m planning to get the kitchen done and noticed they offer good discounts with suppliers like Magnet. I’d really appreciate any feedback or experiences. Thanks!
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Landlords - are you selling up or will do when your tenants leave?
As above. Also is you don't mind, just say what area of UK you live in to give it greater context. Will you, have you put up rents this year and if so by what percentage and was the amount less than last year/etc. These new rules which 101% favour the tenants, when do you expect them to become the law. In my view, it may…
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Claiming the £7500 Rent a Room Allowance
Can anyone tell me where I can find it on the HMRC Self Assessment form? Thanks.
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Remortgage + consent to let with Halifax - term length question
Hello everyone, My current Halifax mortgage product ends in February, and I have a 10 year fixed rate locked in, for a 26-year mortgage with around £295k remaining (around 70% LTV). There is a possibility that I might move country next year, and I’d like to keep the flat to rent it out if I do move. I had been planning on…
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Renting London Checks
Hey! I'm looking to rent in London (just me), however the affordability computer system landlords use aren't helping! I'm self employed own two businesses. Both combined take in around £160k a year. I have excellent character references, and around £20k in personal savings. Excellent credit scores 999/999 on one of them!…
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LISA without a mortgage
My daughter has a Stocks and Shares LISA and looking to get her first house we are looking at helping her out. Does she need to have a mortgage to be able to access her LISA? As it is stocks and shares LISA would that have to be converted to a cash LISA before moving forward? As stocks and shares LISA's can go up and down?…
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persistent low frequent noise - possible neighbourly dispute
Hello Forumites, Since the summer I have very persistent low frequent noise in my leasehold flat in central London, which I hear almost all my waking hours. I have reason to believe that it comes from the bass of a stereo system in the flat above mine. I did some research, got advice from a legal helpline, and am under the…
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How do people get permission to build homes in remote places?
With most of the UK feeling like we're living on top of each other, some isolation and remote living seems very rare. So I went exploring on Google Maps and I found some really remote homes and I have to wonder how people end up living there. 1 home on a remote Scottish Island. Bunch of remote homes with lots of land. 1…
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Capital Gains Tax question
My property was purchased in 2018 and I have been renting it out since June 2025 (whilst I live with my partner). I'm now in a position where I could sell my house and I'm trying to figure out if I will have to pay CGT or not? The property is my only property (my partner owns her house). CGT tax rules suggest I may be…
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Removal from freehold
Some advice please. My now ex-wife and I bought a property a number of years ago whilst married. It was a maisonette within a block of four and as such was both a leasehold and freehold. After getting divorced, I was removed from the deeds and the leasehold but the bank have constantly refused to remove me from the…
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Public sewer
Hello, I'm in the process of purchasing a property and the drainage search has shown that there is a public sewer running through the garden of the property. Have attached the picture from the search here. As you can see, it looks like this runs under where the property has been extended and also slightly across where we…
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Future sale of property with 57 year lease
I have just discovered that my parent’s bungalow is leasehold with only 57 years remaining. At the time of purchase, in 1986, they couldn’t afford and didn’t consider buying the freehold. As they are both in their late 80’s now when they pass away the time will come when a sale will have to be made. How would the short…
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Moved: Do I need to buy actual gold?
This discussion has been moved.
