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Porting mortgage with recent defaults & significant debt
We are with Skipton Building society. Never missed a payment would like to move to a cheaper property (bought our current for £310k & mortgage is £263,000). We’ve seen a property for £280k but in the past 12 months I have had £60k of defaults from credit cards & loans, added to my credit file. Obviously did not have these…
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Buying my first Flat – Concerned About Mortgage Adviser & Solicitor Costs
I’m looking to buy a flat in Gloucester for £117,500 with a shared freehold. I’ve found a property I like and can afford, and I’m now navigating the mortgage and legal side of things. I’ve been advised by a mortgage adviser (working for Nationwide) to go with a tracker mortgage, and then switch to a fixed rate once I…
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100% mortgage with guarantor
I'm wondering if there are any options for a 100% mortgage with a guarantor added to the mortgage ? All of mine and my husbands income is from benefits and child maintenance right now, this could change in the future. The guarantor would be a family member who owns their own home plus 10-15 rental properties but is 70…
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Two failed house purchases
So last year my purchase fell through as seller pulled out and this year I pulled out. So two different agents but both have now gone quiet and don’t seem to want to help with my house search. Obviously after two failed sales I may take a break and perhaps do more work on this house. Obviously I can use another agent to…
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Asbestos floor tiles crumbling
Hi. I moved into a HA property less than 2 weeks ago. The floor is asbestos tiling throughout the property. Due to my wheelchair usage, it seems as though some of the asbestos is struggling as I have several tiles that are now coming off the floor. Some are detached completely and crumbling and shattering. I am concerned…
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Estate agent fees
One of my family members is selling their house in the Plymouth area. She is a pensioner and can get easily stressed, so I have asked her to copy me in on any estate agents emails. She has had two valuations so far, both members of The Property Ombudsman, and both not adhering to the code of conduct. They have quoted their…
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Lender has requested a wall tie survey report
The lender has requested a wall tie survey report on the house I want to buy before they complete their valuation on the property. The house is a 1930s terraced house, its in good condition. Fairly modern, so it doesn't look like it needs any work doing to it. From zoopla it says it was last sold in 2021, then again in…
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Splitting the Costs of a Freehold flat
My daughters are buying the freehold of their building along with the only other flat in the property. They have a tiny studio flat which only one of them is able to live in at present, with an uninhabitable, undeveloped basement which they hope eventually they will be able to develop. The flat above is over 2 floors and…
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Buying a house built on a Landfill
Finding information about this is like pulling teeth! So the environmental search came back saying my house is built directly over a landfill for household waste. There's an indemnity policy from the previous seller. But trying to find literally anything other than what that sentence has provided is painful. I wonder if…
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Failed Contaminated land Environmental Searches
Evening all, looking for advice or past experiences regarding a failed environmental search on a property we expected to be purchasing next week! we've had our searches back and it has failed on potentially contaminated land due to being built on the outskirts of landfill. (Apparently inert waste) Our solicitors have tried…
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Declaration of Trust – how to split the proceeds when the house is sold?
A relative of mine and their partner are buying their first home. They’re buying as tenants in common and they want to do a declaration of trust to take into account the unequal contributions they are paying towards the deposit, and also to take into account future changes in the value of the house. I’ve found these…
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Renters' Rights Bill - Will it screw me over?
Hi there, I'm a student who will need to start looking for a room in London in a few months. Unfortunately, I don't have any recent landlord references, nor do I have anyone who I can really ask to act as a guarantor. I currently live off a mixture of my own savings (around £40k) and student loans. I always assumed I'd be…
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MJP Conveyancing - My TERRIBLE experience
I am writing this as I wish to share my personal experience with MJP Solicitors. They are cheap BUT....... I have posted reviews online on several places and each time they are removed (they have asked me to remove them, when I didn't they offered me £50 to remove the review and promise not to write another and when I…
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Section 106
Hi It's been a while, have been busy sadly with family bereavements and all the trauma that goes along with that. Basically, selling late siblings house, section 106 questions arise and answered all bar one (relatively new house) Cannot get an answer regarding affordable housing. My sibling never had an affordable house…
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Land Registry Entries when selling parents house
Hi - Posting here although may also be appropriate for Legal and Probate board. I am executor for my Mums estate who passed away in September 2025. My father passed in 2006 . They are both listed on the land registry entry for the property. My expectation was that I leave the entries as is. Then when a buyers solicitor…
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Moving home with two properties to sell
We are planning to move home this year and have two properties, our primary residence and a separate terraced cottage, formerly rented but now empty. I realise capital gains tax will apply to the terraced cottage but are there any other tax implications I should be aware of.
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Buy to let or invest?
Hi, I’ve recently been made redundant at 60 years old and I’m at a bit of a crossroads. I’ve sold my house and once the mortgage is cleared will have around £210,000 left over. I would like to move to a different part of the country but keep a ‘boot in both camps’ so to speak, due to the fact one of my grown up daughters…
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Estate agent asking for details
I'm selling my house. I have completed CREDAS checks and uploaded my driving licence and passport. The estate agent is now phoning and emailing me, asking what my occupation is. I don't see how that is relevant to me selling my house? Can anyone shed any light on this? I've never sold a house before. Thanks!
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DoV to Remove S121 - Laws Changing?
Hi all, We bought a freehold house nearly 4 months ago and towards the end of the process the S121 regarding estate rent charge came up Our bank reviewed this and proceeded with giving us a mortgage which is fixed until Sept 27 We were happy with this as it gives us until then to sort a Deed of Variation removing the S121…
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Ground rent limitation
I am struggling to find a definitive answer so hoping somone can help. I have had a leasehold flat since 2017 every year the freeholder has sent the correct demand for ground rent and service charge as it is combined. Due to multiple disputes and very poor administration from them I haven't paid. They have now changed…
