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Freehold Company Limited by Shares - How do new owners get their share certificates
We bought the freehold for our flats. The freehold company is limited by shares. If a flat changes hands how does the new owner obtain their share certificate? We were expecting this process to be described in the Articles of the Freehold Company but it is not. Can the Directors create their own process? Is the absence of…
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Walls Timber Frame - building year 2014 – Any Advice?
I’ve finally found a property I can afford and would be happy living in. However, today I checked the EPC and noticed the Wall: Timber frame, as built, insulated. I can see there is also a cavity wall, as you can see from the image below. EPC score is 81 so good. The building is a 3-floor building and was built in 2014, so…
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Listed building for sale as a holiday let. Possibility of applying for a change use to residential?
I am very interested in buying a listed building that has a planning condition stipulating that the property can be used as a holiday let only and not as a main residence. It’s a very beautiful little labourers cottage dating from the early 1800s but not sure if this condition could ever be challenged. I keep telling…
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Inherited house problem
Evening, my step dad left a house to myself and his two siblings. Shortly after he died the son moved in to do it up to a good selling standard. We all paid for the works. This was over two years ago. Although he’s being friendly and telling me it’s the agents fault blah blah blah. I’ve asked him outright if he wants to…
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House none standard construction not spotted in original survey.
we were given a mortgage with NatWest who considered the property suitable loan security. The survey states that the property is NOT of non standard or unconventional construction. This is incorrect The property IS of unconventional ,non standard construction. We are now in the process of trying to sell property. All…
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The 1 bed vs 2 bed debate
Is it a valid strategy to buy a nice 1 bed near a tube station in a nice area in London and then save for a larger property should it be required in future rather than buy a crummy 2 bed and still pay more than the nice 1 bed per month?
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Stamp Duty queary
Hey lovely people, was wondering if anyone could confirm/answer something for me. Situation: I own with a mortgage my place. My gf owns her place with a mortgage. We currently live separately. We have been together 6 years. We want to buy a family home together joint mortgage. The idea is to sell mine. Move in to the new…
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Selling joint home
I live in the family home with one adult child. The home is joint owned with my husband. We also have a joint mortgage which is interest only and expires in early 2027. My husband moved abroad in 2020. I have tried to get a divorce but he replies that he cannot deal with it. I have been advised to serve a court order but…
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Buying a house off market
Is it worth doing? A house I went for last year they wouldn't even take £10k over as I had not sold. I have inheritance money coming if I was to say I'd pay £30 to 40k over a home report. I have heard of house selling off market would this improve my chances with such a high offer?
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Land development - where to start
My partner has been gifted a house and land by his parents. We have been living in it but it needs so much investment to bring it up decent we have been thinking about developing the plot instead. Its 4 bed detached on 1/2 acre in a great location for development but we have no idea where to start to even find out if it is…
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Building Safety Act and selling a flat
Hi, my flat was a day from being exchanged, all paperwork and the buyer's solicitor realised they couldn't deal with flat under the BSA. Then my own solicitor realised they were also not fit to represent this sale. They sent me all the documents but retained 50% of the money which was pre-paid. Can I get any of this back?…
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Auction or stick a slow house sale out?
I put my house up for sale early Nov last year and accepted an offer, but the buyer's mortgage was refused as the extension is single skin (I knew this when I bought it in 2014 but Santander didn't have an issue with giving me a mortgage then and I hear it's more difficult now to get a mortgage for properties with single…
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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…
