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House purchase, paid 10% deposit to the solicitor readiness of exchange. Will I get my money back?
In the process of buying a property and the mortgage offer expires at the end of this month. I have paid a 10% deposit to my solicitor in readiness for exchange and completion but in the event where we cannot complete by the end of this month, what happens? My mortgage offer expires at the end of this month and I know we…
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Insurer demanding Deed of Surrender to pay loss of rent
Hi I have to have some building work done in the house I rent due to flood damage. The tenants will find themselves alternative accomodation for the 2-3weeks needed. My insurance policy covers me for loss of rent. However they say they need to see a "Deed of Surrender" before they will pay. This feels like overkill and…
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Serving a Section 21 Notice and the Tenancy Deposit Scheme
Dear all, I was about to serve a Section 21 Notice to my tenants however I have just realized that I did not register the tenants' deposit with the tenancy deposit scheme. I understand this is an issue if serving a Section 21. I genuinely forgot and would be happy to make the deposit into the scheme however this should…
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What should I buy?
I am really confused on what kind of property I should buy. My options are: 1. Use my savings to buy a 2 bedroom flat. 2. Use a small part of my savings to buy a studio. 3. Use my savings and a mortgage and buy something significantly bigger. I live alone but if I picked the first option I could rent out the spare room.…
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Annual Rent Charge - Pro's & Con's of buying it out in full or carry on paying yearly
Hi all My family have been involved in a manufacturing business for over 25 years. In that 25 years they have been paying an annual fee to a company hundreds of miles away for their ground rent. This years demand has arrived, but this time with an option to buy it out in full. I remember watching BBC watchdog where people…
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Adding spouse to deeds
I know it has been asked many times before but the search engine here is a bit random. Just had a quote from my usual solicitor to do it and seems a bit excessive at £2195 plus VAT plus LR fee. So just to clarify we want to be 50 % equal shares, tenants in common . No mortgage . Exactly what docs do I need to fill out and…
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Home reports
Are they even accurate? I discovered damp in a property i viewed home report said no damp outside I found a previous sale you could see water damage to the rough casting and the marks remained and on bedroom wall a poorly patched over mark which looked like water ingress. Agent lied and said no damp so anybody else had…
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Implications of a Rent Increase without a Formal Agreement
I've been living in the same flat since February 25, 2022, with the assured shorthold tenancy being renewed annually. On January 16, 2025, my landlord informed me via email that the rent would increase by £25 per month starting from February 25, 2025, when the new tenancy begins. Additionally, she stated, "I trust that you…
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Negligent surveyor
I'd love to hear from anyone that has had success in suing a surveyor for damages. How long was the process, what were your costs and what was the outcome? Following a pre aquisition survey, I bought a property last February. On the day of completion, I noticed two issues which the surveyor had overlooked. Unfortunately, 4…
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Selling for first time
My Mum has recently moved in to a nursing home and I'm going to have to sell her house (I have PoA). I've never sold a house before so I was wondering what paperwork I need to find ? I have an upto date EPC and the certificate from when the boiler was replaced a couple of years ago. Although my parents lived in the house…
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Mortgage dilemma
Can anyone advise as I feel like I’m walking through a mine field. We have sold our property for £407500 and have put in an offer on a new house for £390000. We have a mortgage of £130000 and will be porting this over. My head is saying that I need to add the £407500 & £130000 mortgage then minus the £390000 for purchase…
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Buying a Shared Ownership home while not working, disabled and receiving UC
I currently live with my ex partner who I share a home we own. We are selling up to move apart. I am unemployed and disabled, so unlikely to be working in the near future. I receive PIP and UC. After we sell up I won't have enough money to buy the kind of house I want/need. I have heard of Shared Ownership homes but don't…
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House Purchase- Fire Break missing between Garage and utility room on extension
I'm wondering if anyone can help. We are nearing the completion of a purchase of a property and the survey has brought up an issue with a firebreak between the garage and a newly built utility room as part of an extension. The extension has full planning permission which I have seen, but there appears to be building regs…
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CEDR - any success stories?
Hi all I was reading Trustpilot reviews of the CEDR, and the rating is very low, obviously because the vast majority of reviews are from people who tried to claim against someone and lost. It made me wonder if anyone knew of any success stories of people claiming through the CEDR against their surveyor?
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Buying half a home & stamp duty
My mother has inherited half of her mother's home, her brother inherited the other half. She wants to keep the home, which would involve buying her brother out of his half. If I was to buy out his half, what Stamp Duty would I need to pay? FYI -I already own a home THANKS!
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Rental Deposit: Holding Over
I rented a property on an AST, and paid a deposit as part of that. The fixed period of the AST ended after a year and now I'm holding over. Shortly after the fixed period AST ended, I received a letter from the deposit company to say that it had been automatically unprotected. I would guess that that the landlord should…
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AML check cost
I am buying a property and the Estate Agent selling the property wishes to charge £55 for a AML check. I have challenged this as not all agents charge this - but they are not budging - is there a way I can conduct my own through a provider?? Any advice appreciated. Thanks :-)
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What month can I sell with tenents?
I rented my house out for a year there is 6 months left of 12 mth contract. When is an appropriate time to give tenants notice that I wish to sell? Knowing the garden is a big selling point.
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To move or not to move?
We are currently in a grade 1 listed cottage, which is small, but has single-glazing and no woodburner. The cottage is solely electric and we have storage heaters, in the winter our bills are up to £400. The rent is just under 1k. We have today looked at a bigger house, with secondary glazing, powered by LPG, which I know…
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Freeholder Responsibilities for Exterior Repairs
Not sure this is the right forum but seems the best I could find. We own a (leasehold) Ground floor flat, 2 floor building with another flat above. The Ground Floor has an extension which is circa 20 years old (we moved in 5 years ago). Next door have been having ongoing damp issues, which it turns out is caused by a lack…
