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Transfer of Land/property
Hi, I wonder if someone could help me, my brother and I in 2021 decided to purchase a plot of land but in my brothers name, the plot had planning permission for 2 properties, he was going to do a self build and I was going to a self build, we have now finished the properties and have roughly spent the same amout of money…
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Renting judgements please help!
Hello, I hope everyone is well and pleased January is over! 😆 I feel like I’m in a hopeless place and really need some guidance. My family and I have been renting for almost ten years. Prior to this I was married and living in military accommodation with my ex husband and our four children. I struggled to find a rental…
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Clear mortgage or use as deposit?
Hello everyone! Our mortgage deal finishes at the end of this year. It’s very possible we could be in a position to pay it off and not have to move to a new deal, which would be much more given we are currently on a really low fixed rate. We are actually looking to move house and to a new build. I know a lot of builders…
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Landlord has died with no NoK
I've been living in my rented flat for 6 years, and was paying a letting agent on behalf of the landlord. 4 months ago the letting agent was let go by the landlord and took full control of management(although I never saw them other than email about rent). I have just found out a few days ago that the landlord died 3 months…
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Subsidence Advice
Subsidence Advice Hi, have interest in a property that I’m looking to buy(first time buyer), but recently took a builder who pointed out the house has subsidence and leaned one way. He thought it was out by at least 100mm. The area is old mining community so the subsidence is thought to be down to that.Asked seller if they…
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Scotland mortgages - Golden Share scheme
Do certain lenders not support the golden share scheme? We have an offer in principle but have been told this lender won’t support mortgages on a golden share property. It’s not one of the main high street lenders, but I didn’t realise this scheme was something lenders would have an issue with?
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Questions about House Survey?
I have just had my survey back on a 1900's mid terrace that I am looking to buy.The survey has returned a level 3 on the chimney, the roof and the kitchen extension roof. On my inspection, there were no leaks inside. Please can someone explain *how* bad this is please?! I have substantial savings to repair these factors…
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Urgent Advice Needed “ Ex-Partner Refusing to Engage in Property Sale
Hi everyone, Im in a really tough situation and could use some advice from anyone who has been through something similar or has legal knowledge about property disputes. I jointly own a property with my ex-partner, which we originally purchased for £320,000 using a 20% Help to Buy loan. We have a joint tenancy mortgage. My…
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Shared ownership - higher income
Looking at shared ownership outside of London but my income is over 80k, are there any other schemes available to get shared ownership?
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LL trying to raise rent again
Our LL wants to raise the rent again but last time we told him we can’t afford this and all the bills! we now can’t afford council tax or utilities all our funds go to pay rent ehat is Happening this country We said no to LL so what happens next?
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What happens to my deposit in DPS if my agent changes?
Hi all, I have left a rented property recently and I'm currently disputing with my landlord. However, I've noticed on my Deposit Protection Scheme portal that the old deposit was registered with a company we will call "Company A". However, my landlord now deals with "Company B", and it appears "Company A" has ceased…
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Stamp Duty Calculator and Q&A discussion
This thread is specifically to discuss Stamp Duty Calculator and Q&A Please click reply to discuss
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How to value freehold post-LAFRA?
Hi gang. I live in a building that has three leasehold flats. The owner of the freehold is not one of the owners of the three flats, but has contacted us saying that they want to sell the freehold. Obviously they have to give us first refusal and have contacted all three owners with an offer per-flat using a freehold…
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Deed of Variation solicitor costs £1500+VAT, 5 months in FTB - fees are at 5k.
Hi there, FTB, leasehold no chain flat. We started our mortgage process in September and it has been a nightmare journey, we were lied to initially on October 30th about the management pack being ordered as we received notice in November 28th saying it was actually ordered then. It came in December to which we found out…
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Source of funds - sorted before house offer?
A bit of advice please , coming up to my 50th birthday finally decided to buy a property .. got the full amount without the need for a mortgage ( or possibly 10 - 15% ) after years of saving . Issue is that I have been chasing interest rates for the last 5 years going through around 10 different banks accounts sending…
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New Build developers
Hi, I'm considering buying a new build house and was after some advice on things to consider.
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income from adult family members
my daughter ( 25 ) and her boyfriend (26)have come home to live with us in order to save for a deposit on a house as they were finding that renting in the private sector made it impossible to save. We are living as a family unit sharing the house and are not charging a rent ( and they don't have exclusive possession of any…
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Rental income proportion
Hello all, My wife and I own a property (UK) where we are tenants in common, and the income (and expenses) are proportioned 50:50. We would like to stack the income/expenses to me only (more tax efficient at moment). Do we have to make a change on proportional ownership in order to do that? Hope that makes sense and…
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Would you sacrifice a third bedroom for a better bathroom arrangement?
Currently looking at a 1930s semidetached property to buy. There is scope to extend but I don't have the budget. Current set up is: Ground floor: hall, living room, dining room, tiny kitchen with chilly bathroom off it. First floor: Two double bedrooms, one single bedroom, tired ensuite off biggest bedroom. I am…
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Renting out main residence - tax implications
I'm thinking of renting out my main residence and going to live in my partner's house. The reason is that the property sales market is very poor at the present time and similar properties to mine are not selling. If I moved in with my partner and shared bills, etc... would there be any tax implications? There is no…
