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Where can I get advice on my heating options
Can anyone advise where I can go to find out my heating options? I bought a flat which is freezing! Honestly I nearly froze this winter. The flat is fully electric, so the water is pretty much cold, the flat is ice cold and the shower is pathetic as well. I have a pressure water storage unit so no boiler, I have heaters…
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Is it a crime for a plumber to lie on a gas safety check certificate?
Basically they signed the annual boiler check certificate saying no tenant was present in the house while the check was being performed but it is a complete lie and easily disproved by the tenants. He lied about this because he was aware that he didn't actually carry out any checks at all and just tried to figure out what…
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Shared Ownership Leases & GR
Apologies if this is a daft question…. In a purpose built shared ownership block of flats would it be expected that all of the leases are the same? Would it also be expected that the Ground Rents are the same (don’t know if that depends on the %owned) and that this is paid to the same company by all residents in each…
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Water leak from upstairs flat
We have a ground floor flat and there is a slow water leak from the upstairs flat into our bathroom. The owner, who is a plumber, has looked in his bathroom, which is directly above our bathroom and said he can't find any leaks. The leak is every now and then so we would find a small puddle on the floor but it doesn't seem…
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Help! Foul Sewer showing in searches of house we want to buy
Hi all, Please can you help with this? We're so new to this and don't really understand if this will be an issue or not. You can see the pipe goes straight through the property. We aren't planning on extending as the house is pretty big, but would this deter future buyers/cause us issues in living there? We don't know the…
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Equity Release
If a person raised money through an Equity Release Company and also used their recommended solicitor too without notifying his own. Is it possible on the persons death, the estate could be wound up and monies distributed without the ERC being aware. They weren't informed because the executor wasn't informed personally and…
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Loaning family money before mortgage application
Hi all, I’m going to be applying for a mortgage soon and am currently in the months at the moment that the lender will see my bank statements (these will cover December, January, February). I put money away in a tax savings account and mentioned to a family member that I could lend them some money to help them get by…
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DIY transfer of equity from joint names into single name
My ex-wife and I bought a property together in 2006, on which
there was a mortgage, which still exists with a small outstanding balance. We divorced in 2014, but I continued to pay the
mortgage as it was our children’s home; this payment arrangement ended in 2017,
whereupon she assumed the responsibility to pay the…
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Lender lowered mortgage amount due to builder incentives? Hlifax
Hi, I applied for a mortgage with Halifax. We are putting in a 5% deposit, and the builder is giving us 3% of the house price for stamp duty. Does Halifax reduce that 3% from the total mortgage LTV? Which means do we need to pay an 8% deposit so the total value of the LTV doesn't exceed 95%?
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Potential damage to ceiling from above flat banging
I have ongoing issues with noise and banging from my upstairs flat which I am trying to resolve, bu has only got worse. Monday evening, there we bangs so loud my ceiling was shaking and I had to go up and see what was going on, they claimed they were using Mortar and Pestle on their kitchen side work top which is above my…
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Leak from roof in leasehold - damage to my internal walls - Ongoing issue since September
I live in a leasehold flat, one below a loft conversion. I am experiencing leaking, pooling and water marks on the walls around where the leak is coming through the roof and into the property. I dont have building insurance but the building itself has insurance arranged through the management company. I last posted about…
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Mortgage lenders only allow up to 5% cash incentives for new builds - is this true?
Hi, I was browsing online and I read a post and comment that mortgage lenders only allow up to 5% cash incentives for new builds. I am a bit shocked because I always hear and read stories of people getting deposit contribution, legal fees and stamp duty paid which equate to over 5% of the house price. Is it all lenders or…
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Another Yopa No Sale No Fee
Hi all. A quick one in short. Decided to use Yopa last year to sell our property, but no facing a £1499 fee for no property being sold. We took it off the market after six months. I met the agent and discussed the options etc. I asked about using my own conveyancer and a no sale, no fee option. My mind was at ease that…
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Rent out current house, buy new house
Hello all, I'm usually quite good at finding information on financial situations, but I'm struggling with this one: My wife and I are looking to sell our current house and move a few hours down south as she has just got a new job. We bought our house 2 years ago (as a new build) £335,000 Our house has been on the market…
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EWS1s issued by Tri Fire
The BBC report that some certificates may not be valid and mortgage offers may be pulled. Suspended engineer accused of forging fire safety certificates for high-rise flats https://www.bbc.com/news/articles/c74e04ek82wo Some major lenders say that they have now stopped offering mortgages on homes signed off as safe by Mr…
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Purchase of leasehold on a House not a flat
Hi All i am trying to do some research and hoping that i might get some help on here. my question is in two parts. 1. I am one of those unfortunates that bought a new property in 2012 and the property was sold to me leasehold. I have asked the freeholder if they will sell me the freehold and they have declined a couple of…
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Indemnity insurance and renovations
Hi everyone, I have a question about indemnity insurance that I hope others may have some good advice on. My partner and I bought a property two years ago that came with indemnity insurance for a title defect (rear kitchen extension) due to a restrictive convenance on the property. As far as we understand, the work carried…
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Landlord wishing to enforce a new AST just at the 'renewal' of the current one
Hi I'm looking for guidance on best next steps regarding my rental agreement. Will give all the details so there are no grey areas. I moved into my rental home on the 1st February 2024. I signed the standard AST which was locked for 12 months with a Break Clause stating 'It is agreed that after 10 months, two months notice…
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How do you value land for development??
Hi all, some dumb questions to ask here, please help. I'm joint beneficiary of a piece of land with some old building bits on it (foundations, walls, partial roof). Planning permission had been granted a long time ago for a little detached house there - probably some 15-20 years ago at least. The land is about 2-3 acres…
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TA6 ground water flood due to poor drainage install by developers
Hi, I have received the TA6 for a property I am purchasing, and it has been disclosed that 9 years ago, the garden flooded with ground water due to the ineptitude of the property developers failing to install drainage properly in a clay area. This was promptly rectified and there have been no issues since. As this is a…
