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building regs certificate doubt
I am in the process of purchasing a flat where external wall insulation (EWI) has recently been installed. According to Building Regulations, to comply with Approved Document L, at least 120mm of insulating material (in my case, Rockwool) should have been applied. I checked the specifications for the material used, which…
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Looking for advice on FTB plan
Hi all, looking for some advice on how to start off with saving for a home for the first time. My wife and I have around £10k in credit card debt, all 0% interest rate until 2027. Half of it is tied up in a private car purchase. We have around £5k in savings/rainy day fund. We have 2x help to buy ISAs, that have laid…
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Neighbour's loft conversion - should I inform insurance company?
Hi, I received over the weekend details of the planning application that my neighbour has submitted. My house is a semi-detached and they plan to do a hip to gable loft extension. I'm waiting for a Party Wall agreement to be given. Should I be informing my insurance company? When do I tell them? When I know the proposed…
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Remove trustees from property trust
My mother's house was put into a trust in 2011 and 4 of my siblings are trustees. My mother died in July 2024. I am the eldest and am not a trustee, although I am named as a beneficary. The problem is that 2 of the trustees want to sell the house and 2 are refusing to sell it. As a result, we cannot administer the estate.…
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FTB mortgage & firewall issue
Hi all I’m a FTB, I’m or was in the process of mortgage application with Skipton. Tonight I’ve had an email from them about the house my offer has been accepted on, literally just before their offices closed so I couldn’t speak to them. They won’t approve a mortgage on the property as I read it, due to firewall - email…
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House has been on the market for 6 months
We put our house on the market in September 24 and 6 months later have only had one offer, which was 50k under! We've had 35 viewings and the feedback has always been really positive and complementary. There's a few things that have been pointed out - upstairs is too small and the garden is too small, soo obviously we…
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New build overcharging
Due to a recent part ex disaster with a new build developer not working out, I am currently considering whether to sell privately or redesign my ground floor Essentially I'd be swapping for the same house for 200k more than they valued mine, same square feet, a mile away.... as there house is SO overpriced for the area…
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Leak to flat below: feel like I am overpaying
Hi all, I recently bought a leasehold flat in London and had some renovation work done. Unfortunately, while I was away, a leak developed from the toilet flush plate. Since the water seeped behind the tiles, the tenants in the flat below notified me of a yellowish stain on their ceiling. The damage appears to be minimal…
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Removing person from deeds issue
Hi all, a rather sensitive subject that I would like your collective expertise on. During COVID, my mother purchased a buy to let property in the Midlands near her. She already has several in the area so is always in the look out for other ones. She wanted me to go on the deeds with her as she doesn’t like to go on as a…
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Selling house - issues due to buyer survey
We are in the process of selling our house, and the buyer's survey has thrown up some (alleged?) issues. We have not been given a copy of the survey or even the relevant parts of it, but we have proposed that both ourselves, and the buyer, should send in a builder to inspect the supposed issues to see what they think. We…
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Can we legally sell parents house.
While showing an estate agent around my in-laws house, he said we may not have the legal right to sell it. My father in law passed away in 2016 my mother-in-law had signs of dementia and did not leave the house so my wife obtain probate for her as her father left no will. Her Dementia got worse and she went into a home in…
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Surveyor missed huge crack
We recently completed the purchase of a property and unfortunately discovered a significant crack in the wall that extends into the ceiling. The crack is located on a wall where a cupboard is built, but the cupboard has only a single hanger rail inside, and the internal walls are not covered by wood or any other material.…
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Trying to understand what needs doing to convert 2 properties into 1
Hi We are considering buying a property in Somerset which was one cottage/unit, but around 1968, converted into 2. Its being sold on one title deed. We would like to buy it, converting it back to to one property. We're not cash buyers and do not wish to use a bridging loan. Mortgage company and brokers are saying a valuer…
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moving out of my parents house
Hi viewers, I need some advice. Long story short I am 18 I live with my parents and i just cant do it anymore! I work two jobs one brings me home minimum £700 a month the other job is about £400. With them wages I pay £350 a month car insurance £20 a month tax £10 a month phone bill £200 rent to my parents that now leaves…
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Been issued a S21
So, after 7 years my landlord has unfortunately issued an S21. My notice date is 13th March. Rental periods are 26th to 26th. Unfortunately I haven’t managed to secure another property as of yet, and am struggling due to high rentals and being a single income household. So I have approached the council, who have told me to…
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Higher SDLT Reclaim after selling BTL
Hi All, We bought our first home 8 years back. We bought our second home 5 years back, since then our first home is in BTL. We are now planning to buy a new house to stay as our existing home is not big enough for our family. As the new house is my third property, I have to pay higher SDLT. I want to pay and complete the…
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Offer on a house
I put an offer in 3 says ago heard nothing back is it normal to take that long?
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Stamp Duty Question regarding "Main Residency"
Hi all, I had a question, which I am hoping is easy to answer. I can see that it may have already been discussed previously, but I just needed clarification. So, the situation is as follows: - Property 1 purchased in 2007 - Main residence. - Property 2 purchased in 2018 - Rented out. Paid higher Stamp-Duty at the time of…
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Renters right Bill.
Hi I have a question about the new Renters rights Bill law the government is planning on bringing in. Reading on GOV guide it seems like that it's going to become a real struggle for landlords with so much legislation. Abolishing section 21 and if landlord fails register a property with the PRS large penalties. And so much…
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How to register house upgrades for insurance and evaluation purposes
Hello, I did a considerable house improvement and I need to register it, the reasons are for insurance purposes and evaluation in future, the insurance has much more priority, if the worst can’t wait to happen 😅, I should get the same house again. What’s the process for that? Shall I inform the insurance? Is it a common…
