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Halifax have undervalued my house - HELP!
Hi all, Looking for some advice—we recently listed our property on the market and had it valued by three estate agents between £500,000 – £525,000. It’s a 5-bedroom detached home with several standout features. Most properties in our area are 3-4 bedrooms and are typically listed between £350,000 – £450,000. We secured a…
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First time buyer. Survey has come back
I’m 3 weeks into the process, and the survey report has come back. Two points I’m concerned is this: “There is evidence of rucking to the right hand side wall in the living room under the steel beam, which may be the result of progressive structural movement and we therefore recommend further investigations.” “There is a…
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Purchased with cash unregistered property WITH title deeds. Can I get a mortgage whilst unregistered
Recently completed on a cash purchase of house. It had not been registered at LR since it's construction in 1957. Deeds/strong root of title/eptimone of title was established during the conveyancing process so there was no issue there. Subsequently house purchase went through and an application for first registration…
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Leasehold Service Charges - management company have not collected money for sinking/contingency fund
My elderly mum lives on a very nice retirement estate, but in the 3 years she has been there the service charges have gone up by £2000. The coming year it is approx £6700 pa, BUT the management company are asking each resident to cough up a further £6500 because all the conservatories need replacing, apparently 5 years…
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Gas safe register commisioning certificate
Looking at putting my house on the market and one of the documents I'm being asked to provide is the Gas Safe installation completion certificate. I have it, in addition to the boiler's own commissioning checklist. Problem is that the checklist accurately has the commissioning date in 2021, but the install certificate hard…
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Joint ownership of a house
Hello All I am looking to be pointed towards some advice on a issue a friend has (honest it is for a friend) I have tried the net, but no real advice. If 3 friends own a house and are on the mortgage, they all pay the mortgage, the friendship breaks down, 1 moves out, the other 2 stay in house and carry on paying the…
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Removals/Completion Date etc
Hmm. So contracts are about to be exchanged and dates being discussed. I've spoken to my chosen Removal company and got a date. Trouble is they want a deposit (not in itself a problem) but if it falls through or date changes etc its going to be expensive. BUT, if I wait, chances are I lose the Removal slot. Go back to…
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Council Tax Debt Collection After Short-Term Flat Stay – Advice Needed
I moved into a flat temporarily from May to September 2024. I was never contacted about paying council tax and as a new renter was ignorant about it. Early this year I realised that I should contact the council and let them know that I should have paid some council tax while I was in that property for 3.5 months. I called…
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SDLT on new home for renting
Hi. I am going to sell my current home which is the only property that I own and I am going to buy a new house. However, once I have bought the house it is my intention to go travelling in my motorhome for at least a couple of years. During this time I intent to rent out my house. My question is, will I be able to buy the…
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Stamp Duty - Replacing main residence if owning existing BTL
Hi, I have questiosn which I'm hoping someone can help. Can someone confirm my belief that as I own a main residence and swapping for a new main residence while owning an existing BTL I pay normal stamp duty on new main residence and not higher stamp duty as that was already paid on my BTL purchase? There is a very big…
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Conveyancing for a freehold ground floor flat with a lease
I am using FixMyLegals to purchase a flat, they are saying that they are having problems finding a solicitor that can deal with our purchase of a ground floor flat which owns the freehold of the two flats, GFF and FFF, but which also has a lease of over 900 years. Is this an uncommon situation? Not sure whether to try and…
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Restriction on title deeds
Hi, I’m new to the forum so please excuse any errors. My question concerns a restriction on the title deeds of my house. About 15 years ago I was made redundant at the age of 59 and couldn’t find another job. I was forced to take out an Iva to pay off all my creditors which failed because the payments were unmanageable on…
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Landlord Refusing To Pay For External Drains Issue/Callout
I had an issue with blocked showers, toilets throughout a 3 storey house which i reported to the agent. They stated that they were happy to send a contractor out but IF was found to be due to tenant then the charges were to be passed on. I therefore decided to call my own engineer out to have the issue resolved. The issue…
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Type of Survey
We are trying to buy a house that is a pretty old semi-detached house at the outside (conservation area), but has been gutted and completely modernized and extended on the inside by the present owner, who purchased the property specifically to do it up and sell it. A friend said that they wouldn't bother with a level 3…
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Cohabiting break up Scotland and entitlement
Looking for some advice to see whether I need to take a more legal route. So me and my now ex bought our house 5 years ago for £145,000. I used money from my mum passing away, £12,000, as a deposit and she didn't contribute any deposit. No legal agreement in place regarding the deposit. During the 5 years of ownership, I…
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Trustee, beneficiary, and stamp duty help
Please can someone help me because I just cannot seem to get answers anywhere and solicitors don’t seem willing to help. my husband was left as a trustee and executor around 6 years ago for his fathers Will. He is the eventual beneficiary of his house and deeds are in my husbands name. He cannot benefit in anyway as…
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Purchased House with No Improvement Marker with Extension
Hello All, I was talking to a friend a few days back and we started talking about tax, the cost of living, etc., as you do, and he asked how much council tax I was paying and I told him and he said that was a low band for my house, so I started doing some research..... We purchased our house in 2019 (Wales) and looking…
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2 Council homes & getting married?
Me and my partner just got engaged. Now, wedding plans will be a couple of years away yet but one of the things that could make an impact on the when is our current living situations. i love one side of the city in a 2 bed council flat with my 3 teen (two adult but studying) daughters. she lives the other side of the city…
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Offering a reduced price close to contracts
Hi all, Hoping for a bit of advice. I am currently in the process of buying a leasehold flat. I am due to sign the contracts tomorrow (not exchange) but recently something has come up. In 2019 a boiler (unvented hot water cylinders) in another flat “exploded” causing massive leaks. Due to this the insurance increased the…
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Stamp duty for a second home buying joint with home mover
Good morning In order to help a family member I am looking to buy a property jointly with them as they cant afford it on there own. The funds are coming from savings on my side, and sale of property on theres. As my half will be as a ‘second time buyer’ and theres as a ‘home mover’, how will stamp duty apply in these…
