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House buying, renting & selling

For all questions to do with buying, selling, renting and letting homes.

Payment Plan for one month rental arears
Hi - I have recently been hit by a tax bill and will inform the letting agency that I wont be able pay this months rent 1st MayHow likely is it they would entertain a payment plan?
Buying out a relative as a first time buyer
Hey everyone, I had a question around mortgages. My dad sadly passed away about 18 months ago. He left the house to me and my sister (who I get on with fine!) - so we each own the house 50% each. I'd like to buy my sister out of the house (my sister lives quite far away and has children, so she's not really interested in…
Advice with landlord trying to claim full deposit following end of tenancy.
We recently moved out of a property that we were renting and prior to doing so had someone in to clean the property. Stupidly we didn’t check every nook and cranny of the house after it was cleaned and according to the check out inventory, there was quite a bit missed (mainly windows, oven wasn’t cleaned, and a stain on…
BTL expenses tax question
If I were to do a refurbishment of my property during a tenancy, which finishes before the tenants leave, but then I do not to relet the property, can the costs of the refurnishment go towards expenses against BTL income for tax purposes?
Gifting daughter money to buy house,
Me and my wife are gifting our daughter 15K towards purchasing a house, while I have nothing to hide in a legal sense, and happy to show bank statements and give all anti money laundering details to lender/ solicitors etc, I’m hoping they will only ask for relevant bank accounts. I have a bank account my wife is unaware…
The Co-operative Bank - 5% Builders Incentive max
Hi, Has anyone any knowledge about the T&Cs for The Co-operative Banks 5% builders incentive? Their website simply states: Incentives of up to 5% of the purchase price are acceptable. All Incentives must be declared on the UK Finance Disclosure of Incentives Form completed by the Seller(s). This information will be…
Transfer of property due to divorce
My wife and I have seperated and are getting divorced. It's fortunately very amicable so there is no solicitors advice involved. We are using a solicitor to do the financial consent order and it's all going through. However, as part of the divorce my wife is keeping our house and I am getting the equivilent in money so I…
Landlord wants to sell
Hi All, I been renting an apartment for the last 18 years. My landlord texted me Friday that she wants to sell and I have a valuer coming tomorrow. At present she has made no indication that she wants me to move out. I am a widowed man with mental health issues and became ill and now have to have a catheter while I wait…
Advice needed. First time buyer
My son is a first time buyer. It's a long time since I purchased my property so I'm looking for some advice. He (and partner) have put in an offer on a house which has been built on the side of an existing house. Sorry not sure how else to describe this. Someone has lived there for 9 years and the agent said all…
Service Charge mess post completion
Hi, I was sent a message by my conveyancer today, cc'ing me into an email to my buyer's convenyancer and previous management company's solicitor, saying that I am in arrears. I completed on 28th March and paid up to 31st March (was on DD payments which i cancelled before moving out). My solicitor even did apportionment for…
Cost of negotiating a premium to extend lease
Hello, Hope you are all well. Apologies in advance if this has been posted. I have been emailed costs on negotiating a premium to extend the lease on my parents flat which is £200 per hr or a flat rate of £500. I really dont know how long the negotiating will take - should I go for the hr or flat rate? thank you in advance
House selling dilemma
I know what I am about to post will cause a lot of criticism but I am in a dilemma. Nearly 12 months ago I put my house on the market. We have a buyer who offered 60 K below the asking price. I rejected the offer and he came back a couple of times and the final offer was 30K below the asking price, which I unfortunately…
Can i sell my property during Section 21 notice period
My Wife and I put our property up to rent when we had to relocate to a different area due to a new job she was offered. We have now decided that we would like to relocate properly to this new area so we would like to sell up and buy something closer to her work. We have tenants in the property and we will be able to issue…
Transfer of Equity - Does it have to be 50/50 between two people?
Morning all, My partner has a BTL property solely in her name and she wants to put me on the mortgage without remortgaging. There is a mortgage of around £113k on the property, it's worth around £155k. No money will change hands. We've been told the best way to do this is via Transfer of Equity. Do we have to split the…
Amalgamate 2 house
I wondered if anyone had any advise, I am purchasing my neighbours house, we have had a remortgage application accepted in our current property to release the funds to but next door outright. However it now seems that the lender will not give funds is the intention is to amalgamate the houses. We are not going to…
Selling with neighbour dispute
Just wondering if anyone has experience of selling a property after making a complaint to the council about a barking dog, and has this affected the sale price? My situation is a little complicated in that I originally complained to the council, after speaking to the neighbours numerous times, due to the dog suffering from…
Remortgage less than 6 month rule
Hi, Had a flat for 3 months. Looking at remortgaging to buy another. Does anyone know of lenders who will do less than the 6 month rule ? Also I've been in touch with some brokers but they are charging minium £600 to get a deal for me Anyways around this ? Thanks Andrew
Shared Ownership - joint salary…
Hi all Does anyone know if the max joint salary for shared ownership will increase from the existing £80k? My wife and I are just over the threshold, and the only way we can go down this route would be for her to go part time (not ideal). Many thanks
Equity amount
Hi we have aip £138,250, £80k equity house purchase £218,250 mortgage advisor advised keeping £80k equity for house purchase and remaining £11k for solicitors fees/moving costs etc weve had offer £5k under on our house just want to check if we accept we can take the extra £5k out of the remaining £11k with no issues from…
Deliberately vague
Our new neighbour (Mr. A) is on a mission creep to see how far he can go before we react to his intention to remove and replace our fence in the back garden. He's already removed our front garden fence because he doesn't like wood. The boundary is Mr. A's to maintain. The fences* are on our side of the boundary and were…

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MSE News

Martin Lewis: How to call your bank with just three digits – as 'anti-scam' phone number called over a million times
One million calls have been made to the '159' anti-scam phone number since its launch in 2021, new figures reveal today (Wednesday 30 April). MoneySavingExpert.com founder Martin Lewis – one of the well-known faces most used in scams – explains how to call your bank by dialling just these three numbers.
Revealed: Holland & Barrett's supposedly cheaper 'Subscribe & Save' often costs more – it's promised a review after our investigation
Holland & Barrett's 'Subscribe & Save' scheme claims to offer regular shoppers "the best value" – but it failed to do so in the majority of cases MoneySavingExpert.com checked over a five month period. The retailer has now promised to review the scheme after our research found it was often more expensive.
Don't get your passport by post – 360,000 paid more than needed last year
If your passport is due for renewal, apply online if you can – it'll save you £12.50. More than 7 million Brits did just that last year – but over 360,000 missed out on savings by using a paper form instead, MoneySavingExpert.com can reveal.
Sainsbury’s Bank customer? NatWest takes over this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Chase customer? Check if you can get its newly boosted 4.8% easy-access saver
If you've got a Chase account, check if you can boost your easy-access savings to 4.8% – made up of a 1.8% AER fixed six-month bonus plus its standard 3% variable rate. Chase says over 2 million customers can get the boost, which would top our normal savings tables if it were open to all, though it's beaten by the top easy-access cash ISAs.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from Thursday 1 May. For most, this means little will change for now as the Sainsbury's Bank brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, it's worth considering moving any excess elsewhere to ensure your cash remains protected.
Martin Lewis: Is the £20,000 cash ISA limit about to be killed off? What savers should be doing now
Plans to cut the £20,000 cash ISA limit later this year are being considered by the Government. In his latest video, MoneySavingExpert.com founder Martin Lewis explains what's likely to happen, what the changes would mean for savers and what you should be doing now.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
Sainsbury's Bank's savings, credit cards and loans will be taken over by NatWest from 1 May. For most, this means little change for now as the Sainsbury’s brand will remain, though it's expected to be phased out towards the end of this year. However, if you've over £85,000 saved across both banks, you'll need to move any excess elsewhere to ensure your cash remains protected.
NatWest to complete takeover of Sainsbury's Bank this week – here's what it means for savers and borrowers
From Thursday 1 May, Sainsbury's Bank credit cards, loans and savings accounts will be run by NatWest as part of a deal between the two banks. You'll be moved to NatWest in the future, likely towards the end of this year, but for now the Sainsbury's Bank brand will remain and you can continue to use its products and services as before.

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House buying, renting & selling

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