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Buying a flat as a FTB - didn't know it only had electric underfloor heating
Hi everyone, I'm a FTB a bit stuck with whether to follow through with the flat that I am purchasing or to walk away. Still living with parents so there is no rush to move out, - could have work done before I were to move in if needed (although ideally would love to be living in it of course). Just had the survey done…
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Buying Tenanted House at Auction - Little info on Tenants
Hi, I already am a landlord with one property and have a long term good tenant, I'm considering buying another house at auction. I have seen small house in West Midlands Area for GBP 50K guide price (more than half the market value of other properties on the road). its very cheap. It has a sitting tenant on Assured short…
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Assured shorthold tennancy coming to an end
Hi, My Assured Shorthold Tennancy is coming to an end on 4th Feb 2026. My landlord has written to me to ask whether i would like to renew the tennancy for a further 6 month term or whether i intend to vacate the property in expiry. ..Though can't i just ask to have it transition to a rolling month by month tennancy?
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Purchaser wants Deed of Variation to Lease due to ground rent
We are in the process of selling a flat and our purchaser has requested a Deed of Variation to the lease since the current ground rent is above the threshold that would make the lease subject to the landlords power to terminate the lease for arrears of rent. Apparently this is sometimes an issue for mortgage providers but…
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Bank messing up my HTB ISA bonus
Yesterday I closed my HSBC help to buy ISA in order to buy my first property. I am eligible under all the rules of the scheme. Closing balance over £7000. Today I received my closing letter from the bank, which states that "The balance of your help to buy ISA is below the minimum requirement to be eligible to claim a…
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Service Charge when buying a leasehold property
I have bought a leasehold property. The previous owners had paid the service charge up until 1st October 2025. The service charge period was 1st April 2025 until 30th March 2026, to be paid biannually. I moved around 25th September 2025. Who is responsible for the service charge from 1st October until 30th March 2026?
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Shared ownership owner - can I buy a 2nd ‘open market’ property?
Currently own a shared ownership property. I would like to move, and found a great home that needs asap completion. Will not be able to sell the SO property before completion. Is there anything legally or otherwise, that is tangible and not just hearsay, that is preventing me from purchasing a second home? I am aware of…
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Solicitor insisting on Land Registry DJP before completion - necessary or overly cautious?
Hoping for some expert advice on whether my conveyancer is being appropriately cautious or unnecessarily delaying our purchase. Situation:
Buying a property where both previous owners (tenants in common, Form A restriction) have died. Executors have grants of probate and are selling. The Dispute:
Our solicitor says a Land…
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Buying New Home Whilst Selling Shared Ownership
Hi, I would appreciate anyone's help. My situation: I live in a shared ownership property, 51% owned with no mortgage. I have an inheritance and, with a smallish mortgage, can afford to buy a freehold property that I like that is now on the market. The estate agent told me to ask the housing association if this was…
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Anti-money laundering system
We are currently trying to buy a house despite the fact out solicitor uses the Infotrack eCos system which requires an app on a smartphone. My first comment is use a different solicitor because the Infotrack eCos is so badly designed, buggy and unreliable. It also discriminates against elderly and less techno aware and…
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What to do with windfall - negative equity, needs lease extension, jointly owned with ex
Hi all, I jointly own a flat with my ex. It's leasehold with only 64 years left on the lease. When we split up, we were in negative equity and couldn't afford to extend the lease or sell, so I've continued living here and paying the mortgage myself, while she rents elsewhere. Money has been tight for both of us - she's on…
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Buyers surveyor undervalued our house
Hello all,After being on the market for one year and three months, we finally accepted an offer on our house. The asking price was £280,000 and the offer was £270,000 as we know the exterior render requires some attention. We agreed to settle on £273,000 and a sale memorandum was sent to the solicitors. the buyer arranged…
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Trying to sell a retirement flat.
I have been attempting to sell a retirement flat that belonged to my Mother before she died. I am having the most awful time trying to get a buyer for it. In fact, it's a minor miracle when we actually get a viewing for the flat. The block in which the flat is based has had a fairly bad reputation for a while. It had a…
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House valuation is less than needed to pay fees, no savings. What do I do?
Me and my ex are needing to sell the house due to the separation. To cover the fees of selling the house would need to sell for 10k more than it has been valued. The house is a new build, only been here for 1.5 years. The developer is still building for another 2/3 years. Obviously, you buy new builds at a premium, and…
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Renting – Early Termination – Joint Tenants
Quick question...(private rental via agency)What happens
if half way through a tenancy the relationship between two joint tenants breaks
down, and one person wants to stay in the property but wants the person who’s
left to still foot half the bill. What happens if the rent goes unpaid – or only
half paid?
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Transfer of equity - can't figure out the legal/accountancy services we need
Hi all, I'm currently a guarantor and pay 50% of the mortgage on the property my partner and I live in. We have a joint buyer, sole proprietor mortgage. For various reasons we now want to do a transfer of equity and make us equal owners. The mortgage company are fine with it as I'm already fully on the mortgage. They just…
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SDLT Refund
Wonder if anyone could help me help my son. He's abroad just now with dodgy wi-fi so I'm posting on his behalf. Girlfriend and him owned two flats. Bought first in Edinburgh (when they both lived here) and 2 years ago bought a small flat in London (where they both live now) Jointly paid around £22,000 in SDLT at the time.…
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2 Dwellings 1 Title
Dear Forumites, OH and I have found ideal home to buy. In area we want, multiple bedrooms for growing kids/adults to live with us for many years. Problem is the lower ground has been converted to a purpose built flat which is own dwelling with council tax, separate utilities. This suits us as we can either rent out, AirBnB…
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Tipping removal men
We have 3 removal men moving out house contents. How much should we tip? We are paying the company direct
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Buying mum's house
We are considering buying mum's house. She wants to free up equity to buy a flat for my brother who has special needs. We would do a contract allowing her to live there forever, rent free. We would live there too. I understand the implications of this re relationships. We would need a mortgage. Price would be under market…
