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Gifting Leasehold Property
Gifting leasehold ex council mortgage free
property I am gifting my mortgage free leasehold main and
sole property to my adult daughter without engaging conveyancer or solicitor, I
have low income only benefit money. I am sending duly completed TR1, AP1 and
ID1 form. Free holder (council) confirmed that I do not need…
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Landlord offered me the leasehold
Hi, I posted about this on an earlier thread but there's been a development and so I'm posting anew. I'm a long term tenant (25+ yrs) in a flat. It's a 2nd floor flat above a shop. There's a 1st floor flat and ground floor shop. All 3 properties on the same leasehold. The leasehold ends in 2030 and the landlord doesn't…
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Land registry
My dad put me in his will naming me as to taking ownership of his fully paid mortgage home several years ago. He gave me my copy of the his will with the deeds to the house. But recently those documents have mysteriously disappeared. We have looked everywhere but found nothing! My 20+ nephew and his gf live with my dad and…
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Cash LISA
My daughter has a Stocks & Shares LISA opened several years. However when the New tax year starts she will be getting close to buying a flat and was going to put the 2026/25 payment to a cash LISA so not to risk in short term stocks. Will she then have to hold the new cash LISA for 12 months before she can use that to buy…
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Staircasing & Stamp duty query.
Hello, please could someone advise if my understanding of the
application of the rules is correct. In May 2022, I completed on a purchase
of 25% (£126,250) of a shared ownership leasehold flat with market value of
£505,000, as a first time buyer. At that time I chose not to pay stamp duty on
the full market value, so to…
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hoping for advice on buying a house that needs underpinning
I'm buying a house which has subsidence, I know it's going to need a lot of work but it's in a place where I really want to live and it's inexpensive because it's in a such a state. I'm aware that it could be very risky but I've decided to go ahead with it so now I'm looking for contractors. I've really struggled to find…
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Seller solicitor being chased after exchange — normal or worrying?
Hi all, I have exchanged on a leasehold flat in mid-Dec, completion set for 30 Jan. My solicitor is still chasing the seller’s solicitor for some post-exchange bits (TR1, Deed of Covenant, indemnity insurance for a lease issue, staircasing to 100%, TA13, etc.). Seller’s solicitor already said they’d deal with all of this…
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Survey help please
The below have come up on our survey just wondering if these are things to worry about or not and are they easy to put right 1. The flue within the roof space appears not to have been adequately sealed in places as there is a gap present and daylight is visible 2. The window sill under the front ground floor window has…
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Property Purchased in 2022, only found out yesterday there is a charge against the house !
Help and advice please : We Bought a property back in 2022, yesterday
in 2026 ! We found out there was a charge against the property from a previous
owners debt, via the county courts. So I am now pretty worried…. Long story short, purchased a freehold property back in
England 2022, the usual route, solicitor , estate…
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Mortgage - Best way forward
Hi All, I am looking for some advice, I know the there are multiple different answers. :) Our current mortgage term is due to end in Feb 2027, a mortgage of approx. £270K at that time. I'm in the very fortunate position of having a reasonable savings post £100K. I would like to pay off my mortgage as soon as possible, so I…
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Lease extension - informal v formal
Hi there has anyone got any exp
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Has the Land Registry's Customer Help Forum been Shut Down?
I was looking at the HM Land Registry's Customer Help forum late last year. I've just tried to log back in and it appears that this forum has been shut down? Even a Google search of forum threads from years ago simply leads to a page not found page! Does anyone know if this help forum on the Land Registry site is being…
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Wrong Pro Rata Rent Calculation by Real Estate Agent
I have an interesting question on pro rata rent as calculated by real estate agents. I had a tenant who moved in on 26 June 2025 and was paying rent on a quarterly basis. The monthly rent was £3,229.13 and so quarterly payment was £9,687.38. According to the agent, the last day of his second quarter was 25 December.…
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Seller creating impossible deadline.
Despite being a cash buyer, with no chain, I have been struggling to buy a frehold property where the seller (a Housing Association) and their solicitor have been witholding or delaying release of information. It has reached a point where they have issued an ultimatum: exchange by end of day tomorrow (12 Dec) or they will…
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Adopting a street/estate
I have read about some private roads with houses and the street is owned by the houses, not the council.I live on a council built estate, so the council look after the grassed areas and all the estate. I have read a new build estates where the house owners pay a fee for someone to look after the grassed areas.Do councils…
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Overage clause
Just going through our property documents prior to signing the contract and have noticed that they have added an overage clause. It's a residential house that is doesn't have excess land to sell but does need updating inside when it comes to decor. We are not keen on this at all as I don't want the sellers to have any…
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Help with house selling conundrum
Hello. My partner and I have decided to split and sell our home. The house is in my name but we both pay towards the mortgage and bills; my partner never wanted to go on the mortgage as he had a poor credit rating when we met. We are now in process of getting home to saleable standard but my partner just made a suggestion…
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Air b and b as a business
Hi. I am considering buying what would be a 2nd home. I would hope to use it as an air b and b. If I register it as a business would I be able to claim exemption from the double council tax due as a 2nd home? If so why doesn't everyone with a second home do that?
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Lifetime ISA + £460k shared ownership using NPV method – anyone successfully done this?
Hi all, I’m a first-time buyer trying to use a Lifetime ISA for a shared ownership purchase and getting completely different answers from providers, so I’m hoping someone here has real-world experience. My situation: * New-build shared ownership house in Cambridgeshire * Full open-market value: £460,000 * I’m buying a 25%…
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Part of Garden Not owned
Morning, Wondering if anyone has had this experience before. Currently in the process of purchasing a propert, everything is pretty much done enquiries wise apart from it appears a small strip of the Garden at the back is owned by the council housing trust. It’s part of the red outlined area when the council sold the house…
