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Mortgage illustration questions
A younger family member is buying a property. He has a mortgage certificate and an illustration. The illustration shows the new property address and all the payments for the next 25 years. I didn't think illustrations contained the new property address. Does it mean that the document check has passed? If it doesn't, how…
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Transferring house ownership to new spouse
My ex husband and I obtained an online Final Divorce last summer after we split amicably and cooperated in full agreement about all aspects of the divorce and division of assets as we had no children, only a house which we own and had a lifetime mortgage on. I have since remarried and ex husband and I obtained a Consent…
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Sale of Gifted property by spouse
I bought a house in my name in 2009. When we bought our next house where we live today, I gifted my first house in wife's name through a deed in 2021. It has been currently let out. I want to check what happens if my wife sells the house. Would the capital gains tax be charged based on increase of value from 2021 to 2025…
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Tenant has handed in notice but won't pay rent for April 2025
Hello, I'm asking on behalf of an elderly landlord. His tenant has handed in his notice and has said he will leave at the end of April. He always pays his rent on the 3rd of the month but he didn't for this month. The landlord only noticed a week ago. He asked him about it and the tenant told him that his laptop was…
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Risks of big gap between exchange and completion?
Hi all, We're in a 4 property chain, we're FTB so didn't have a huge amount to do and were ready about 4 weeks (end of March) after starting the process. There were issues with a couple of the other houses in the chain which delayed things a little, but still seems to be happening in good time. Our seller cannot complete…
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Higher land tax querie
I have a residential and BTL property 2 x 200k which I’ve already paid the higher rate of stamp duty on. I want to keep my residential and change it to another BTL. I understand I’ll have to pay higher rate of stamp duty on my next residential which would be a fortune. Is there any way I can transfer my current residential…
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NatWest Mortgage Application
Hello, we are applying for a mortgage with NatWest through a broker they have got an agreement in principle for us with the amount we would like to borrow from NatWest and our maximum borrowing with NatWest is coming in £55k higher than the amount we would like to borrow. On the broker information section of NatWests…
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Gas and Electric safety certificates for house seller
Hi all - I searched the forum the other day for the 'best' way to get these safety certificates as a house seller and found this company being reviewed well (although most of them from a while ago) https://www.gassafetycertificate.info/ The only way to book is via an on-line form and then use WhatsApp to message them. 2…
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Stamp duty non UK residents
Hi can anyone clarify the rules on non UK residents and second properties. Does the second property charge apply if that property is not in the UK?
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Structural Engineers Report
Hello, I wanted to get an outside opinion. I’m currently buying a flat for a 45% share, and I’ve approached Principality Building Society for the mortgage. I’ve done an Agreement in Principle with them, but two months ago they said that the building was of unknown LPS. The estate agent said to direct them to the EWS1 which…
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Capital Gains Tax, First home became rental, now sold
Hi, Could anyone offer any advice on capital Gains Tax? We bought our first house in 1999, it needed a lot of work to make it a home. Old Rotten wood single glazing replaced with UPVC Rotten Conservatory removed Bathroom floor and Joists needed replacing, along with bathroom No handrail on stairs New Boiler cavity wall…
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My ongoing boundary dispute ordeal/odyssey (advice sought)
Apologies for the following lengthy narrative! My year-long dispute has some unique characteristics and twists and turns. In September of last year, without warning me in advance, my previously trustworthy/friendly neighbours began turning their front garden into a resin-topped parking area. On the first day their…
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Any good conveyencers in Hemel?
I'm a FTB and would like any recommendations of conveyencers close to the town centre (don't have a car)
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Barratt Part Ex
Has anyone any experience of Barrett's solicitors holding up exchanges on a part ex? We’re 14 weeks since reservation, double the time of Barretts own timetable they expected us to follow to exchange. We’ve supplied everything our solicitors have asked of us and they are telling us everything is ready for exchange. Every…
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Taking a tradesman through the Small Claims Court
Hi folks. I’m trying to work out what will actually happen at the end of the small claims process as I find the whole thing pretty confusing. Interested in what has happened in a similar situation to anyone on here. (Basically I’m asking if I’ll get the money back!) details - In Scotland - paid a local tradesman £2000…
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EPC Rating Not Right?
Hi Had our house surveyed for EPC. They've listed it as an end of terrace but it's a semi detached. They've also listed: A previous EPC man came to the house a year ago and drilled a hole in the wall to test as he was offering free cavity wall fill. He said where he had drilled was wool insulation, which was standard for…
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Love the floorplan
I think the owners are saving money, by doing photos, floorplan themselves.
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Heylo housing - selling your share ?
Ive been through a messy divorce and its time to put our shared ownership house for sale (or our share of it - 50%). Heylo housing will advertise our share for 3 months to find a new buyer before its allowed to go to open market. My question is for people that have been through this process. If Heylo find a buyer for our…
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Housing association rent arrears
I was a housing association tenant until recently. Back in 2022 I had built up a rent arrears of around £1100. My housing association wrote to me about this. I contacted them immediately and a repayment plan was put in place. I was contacted again in October 2023 to be told the rent arrears had gone down but not by much. I…
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Estate agent charging buyer for ID check
Hi all, I wondered what people thought Of this. my wife and I have had an offer accepted on a property. The estate agent acting for the seller want to charge us £60 per person to check our ID and performing anti money laundering checks. This is performed by a third party. I understand they are legally obliged to carry this…
