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Buying house that is being Part-exchanged
So my husband and I are first-time buyers. We are buying a house that the current occupiers have put up for part-exchange to buy a new build. We are up to the contract stage of the process but our solicitors are in a back in forth with the developer's solicitors who are selling the property about assurances regarding the…
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Council housing pre-tenancy checks and a debt management plan
Hi all, I think I may have been successful with a council housing bid. I understand that the next step is for the housing association to do a pre-tenancy assessment. My worry is that I am still repaying some old debts using a debt management plan. Does anyone know what the pre-tenancy assessment typically involves? Would…
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Title deeds
Good evening everyone! sorted thank you everyone for your responses
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Potential damp/flood risk?
Hi Considering a ground floor flat. It's a mid 90's ground floor, with a little hill going into the building. Annoyingly the bottom of that specific grass verge area does show up on the local council flood map as level 1 lowest risk, which is 1% chance of surface flooding each year. I haven't noticed any flooding, it gets…
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Damp survey FTB scares
Nervous FTB and the damp survey has given me a bit of a scare. Especially the poor ventilation due to slightly covered vents. I’ve had a damp survey done on a ground-floor London flat (Victorian/Edwardian with suspended timber floors) and I’d appreciate some objective opinions. I’m trying to work out what’s a genuine…
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Down sizing, buying with cash before selling mortgage free property
Hi, I'm recently widowed and half of my home is now held in trust for my husband's adult daughters. I can live here until I die if I want or sell the house and replace it, with the daughters interest passing to the new property and any excess from the sale being invested with the interest paid to me. I want to move on and…
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Vulnerable Parent Property Sale
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Landlord wants to not use a letting agent, should I be worried?
Hello all. I’ve just been asked by my landlord if I would be happy to use last years tenancy agreement this coming year, and not go through an agent any longer. We actually get on well, and on the face of it I can’t see this being a problem. I’ve been renting from them for 8 years and have always had a good relationship.…
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Is a 9-week delay on a drainage & water search normal?
I’m buying a chain-free leasehold house Mortgage is already approved and the management pack was available at the start, so there were no usual bottlenecks. We were told in late October that the only thing left before we could complete the process was for the seller's solicitor to answer their enquiries. Once this was done…
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Being shafted by huge rent increases and want to leave
Hi all, My landlord keeps putting the rent up by around 6 or 7 percent, so I am looking to move somewhere cheaper. I have an assured shorthold tenancy, which will be renewed on Monday with yet another substantial rent increase. I told the estate agent that I am considering moving, and he said that he would release me from…
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Leasehold responsibility maintenance query and decision on offering to buy freehold
I recently completed on a leasehold upper floor
flat/maisonette in a converted Victorian house. There is one other flat in the
building on the lower floor, currently occupied by tenants. During the sale the freeholder raised a Section 5 notice, and I was initially
interested in purchasing a share of the freehold. The lower…
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Problems selling and best plan
My bungalow has been for sale just over two months with no interest. The area where i am there is very few sales at the moment. Property valued around £230k and advertised for that. I would need minimum £225 to secure my next property. I got a cheap deal with an agent but they only use rightmove and onthemarket (not…
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First Time Buyers & Saving for deposit
Hi, I’m sorry this has probably been asked many times before so I do apologise in advance. I’m looking for some advice on mine and my girlfriend’s current situation. We are wanting to start saving for a deposit for a house (currently renting) but we just don’t know where to put it? I’m thinking Money Box’s Life Time ISA so…
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Tenants in common and iht
A friend asked me to not take on any work, to give up my home and be a companion and care for him and eventually marry in return he would buy a house and give me half as tenants in common. Firstly does this come under pre owned asset, I’ve asked a 2 solicitors advice and s financial services advisor but none appear to be…
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Public Sewer within Property Boundaries.
Hi, I am buying a new home and my solicitor did a drainage search and this is what reported: The public sewer map included indicates that there is a public sewer, disposal main or lateral drain within the boundaries of the property. However the boundary extends to the middle of the road. Is the info correct, is the public…
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CGT and PRR
I am inheriting a house which i plan to get planning permission for another property in the garden. Q1 Can and how can i qualify for primary residence relief so to avoid CGT? Q2. Do i need to move in for months or years? Q3. Can i sell the propery quickly or have to wait months after probate and inheriting the house?
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Can I reclaim the second home SDLT surcharge?
Hi all, Here's my scenario (including some rounded numbers, in case that's helpful) 1. I own my own home (house A) with no mortgage. Value £600k 2. I'm considering buying a second home (house B ), at auction. Estimated value: £600k 3. If I win the auction, I'll be liable for £20k of 'normal' SDLT plus £30k of additional…
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Had an Offer on a property with problematic neighbour
Hi guys, In a horrible situation. Currently selling a BTL property and have had an offer on it. We have a neighbour in the block with mental health issues who shouts and swears to himself and bangs the walls sometimes. Tenants have never heard him surprisingly, but neighbours above can hear and have called the police many…
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Charge for one extra day of tenancy
I had a 1-year tenancy contract starting 31 January 2024 that continued in 2025 on a rolling basis. I gave my notice more than a month in advance that I would move out on the 30 November 2025. On 1 December, the agents carried out the inspection, came back to me and said there are no deductions from the deposit, but that I…
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Anti money laundering precautions for ISA savings
Hi, I regularly move ISA and non-ISA savings round to get the best available interest rate at the time. This leaves me with various empty accounts which I would like to close. However, I was wondering how this would affect anti money laundering regulations. I don't keep a record of all the places that money has been banked…
