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Buy to Let - Stamp Duty refund
Still different from the last thread I read about BTL Stamp duty. So, I met my partner who owned a property, I moved in and eventually we married. He never put me on the mortgage or deeds to the matrimonial home. I bought a BTL solely in my name. 3% stamp duty paid as I already "owned" a house in the eyes of the law. We…
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Deposit deduction for cleaning new oven. Place unclean on arrival
I have some quite specific points that I’m arguing with our letting agent about. When we moved into our (privately renter) flat it was really dirty despite the fact we’d requested a professional clean in our offer. I’m talking hair shavings on the floor, cat hair, bits of food in the fridge, greasy oven etc. We complained…
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Neighbour building small extension - boundary concern
Hi, Not sure if this is the right place to post this. Our neighbour is currently having a small outhouse/extension built on the back of his property. However, we've now noticed that the roof for the extension will overhang our boundary fence. We are concerned that this may cause us an issue should we go to sell the…
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Management companies
Hi I am currently selling my property that has a service charge attached via a management company. I have been asked for £430 just for a management pack as part of the conveyancing. Is it definitely my responsibility as a seller to pay this fee or should it be the buyers responsibility if they want the management pack ?…
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Holding off survey awaiting buyers mortgage offer
Hi my buyers mortgage valuation survey was carried out just over 2 weeks ago and still with underwriters. How long do mortgage offers usually take once the valuation has been done? I'm currently holding off booking my survey hoping that my buyers mortgage will get approved.Will likely book survey next week.Cant wait too…
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Can my conveyancer pull it out of the bag in the next 2 weeks?
Eight weeks since my offer was accepted.Im a cash buyer and the onward vendor doesn't need a mortgage as she's moving into an inherited property. All really simple. Enquiries are underway and searches are due back tomorrow. It's a leasehold property, which I know can take longer. Ideally we would like to complete by Friday…
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Manager company failure
Hi, I am a leaseholder of a 2nd floor flat. Whenever I used my sink, bath and toilet the water went straight through the flat below me. Management company said it was my responsibility, a plumber came to assess the property and he put it down to a crack, split or a hole in the soil stack. Management company sent an…
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Capital Gains Tax
I recently bought a run down flat as a First Time Buyer. It needed work so I stayed in my rented flat until the work was done. I bought for £170k and have just spent £30k doing it up. Someone has just offered my £240k for it. I am not a property developer, and I have not slept one night in my flat. If I sell for £240k and…
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Has anyone had a mortgage accepted on a property with non-compliant drainage?
Hello! Has anyone had a mortgage accepted on a property where the survey has revealed a non-compliant septic tank? The drainage is not working as expected with suspected expired soak away. Basically the seller is an idiot and is refusing to rectify the issue, but we ourselves are prepared to carry out the work once…
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HMO Licensing changes causing us to lose our Flat
Hi everyone, I currently live in Lambeth in an additional licensed flat with 3 other people. We are all separate households and 4 of us have lived here for at least 7 years now. We found out the other week that the council had only set the license for 3 households, presumably deeming the 7.5 square metre 'box room' too…
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Help with CGT calculation
Hello, I am selling a property that used to be my family home. I have owned it for ten years. For the last two years it has been rented. The purchase price was 150k and valuation now is 230k. Do I calculate the CGT only on the two years when it was rented? I'm thinking if this is the case, my tax liability will be based on…
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Mortgage with Special Repayment Clause
Hi all, Me and my wife are in a process of buying our first house (90%LTV). We’ve received mortgage offer from Barclays. We’ve notice the offer has a special clause saying: “You must repay the following commitments in full within 30 days of completion of the Mortgage without taking further borrowing.” Then they state how…
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House
Thank you
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Need some advice about tenant room
could do with some advice. My grown up daughter rents a room in a shared house. She has just been told she needs to move out of her room (basically immediately) by the builder who came to look at the floor in her room. She has a friend she can stay with tonight thankfully but what are her rights regarding storage of all…
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Registering title for a property purchase with Land Registry
Hi I am hoping that someone might be able to point me in the right direction with the following... We are hoping to purchase a UK property (leasehold) where the title is in the name of a company however it appears that the company hasn't maintained it's registration and no longer exists in a legal sense. Back in 1996 the…
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RTB Pre sale interview
Hi everyone! I'm going forward for a right to buy on my flat, so far the council have been very quick, I've sent all the documentation, id and that sort of stuff. I have a pre sale interview coming up, does anyone know what this is about? What they ask? I assumed they would just send someone round for valuation. Really…
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Executor Buying Property
We seem to have reached a impasse between buyer's and seller's solicitors as to the correct procedure and responsibilities. Can anyone advise? Deceased appointed three executors. After a few minor bequests, it was stipulated that the executors shall hold the residue of the estate on trust to retain or sell it and: (i) to…
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Buy part-exchanged house, land registry not updated
Hi all, me and my partner are in the process of buying a house which was part-exchanged for a new build. This means we are buying it from the developer, however they are not registered as owners on the land registry yet. Our solicitor initially said it was illegal of the developer to sell before being the registered owner,…
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Is it true you can get mail delivered to a car in a layby?
Saw this suggested on a video in my efforts to find solutions to receive mail while living out of my van. The video suggested you only have to nail up a box in the local area and make a name for it and the post will come. It is further suggested they knew friends who received mail to a car in a layby. Most comments state…
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Mortgage Approval
Hello, could I possibly get a mortgage from a high street bank with a default which as been fully paid 4 yrs ago and ends in 10 months time. I'm looking to purchase a property for £210,000 with a £70,000 deposit. I have £5000 debt, credit cards at 0%.