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House buying, renting & selling

For all questions to do with buying, selling, renting and letting homes.

Martin Lewis Blog: 'House offer accepted, now they want £20,000 more! What should I do?'
A passer-by stopped Martin in the street recently to ask his opinion on her house buying dilemma. You can check out his view in a video he posted: Martin Lewis: 'House offer accepted, now they want £20,000 more! What should I do?' What would you do? Stand your ground? Walk away? Pay the extra? Negotiate? Tell us your…
New to the House Buying, Selling & Renting board? Start here
✅ This board is for... * Questions about buying or selling a home * Questions about renting a home * Questions about being a landlord 🚫 This board is not for.. * Debating the state of the economy * Debating house prices in general * Political debates Note: In order to help keep the Forum a useful, safe and friendly place…
Tenancies in Eng/Wales: Guides for landlords and tenants
post 1 This thread is intended to provide information to both landlords and tenants relating to Assured Shorthold Tenancies (ASTs) in England and Wales. Updated April 2020 to include the Coronavirus Act 2020 and July 2020 to include the Electrical Safety Standards Regulations 2020. Topics covered: Post 2: Repairing…
Want to buy this house? Over my dead body!
Came up on my Facebook feed... At first I thought it was a fake, but maybe not.... https://www.onthemarket.com/details/9824778/ Is that even legal? On a serious note, if someone did purchase this, how would they go about getting the cadaver moved? EDIT: Just found out it was on the market in 2021, so a few years old, but…
Advice on Driveway obstruction and potential sale implications
Ever since we bought our house we have had issues with 2 neighbours who have “claimed ownership” of the kerbs outside their house and respectively our driveway entrance. On 5-6 occasions access to our property was restricted due to inconsiderate parking and had to ask people to move their cars. After few years not taking…
Flat Share
I own a 2 bedroom flat. I let out the two bedrooms to different people unknown to each other when they move in. I pay the council tax and all bills.They pay a monthly rent everything is included. I have never had a problem in the past but I now have one renter moved out and the remaining one is playing akward with viewings…
Discount of market value
Hi! If anyone on here has ever brought a house under DOMV ( discount of market value) or DMS scheme. Could you let me know if the reselling of the house was hard? Or if you have any advice to do with it
New "Have a Look at This" thread
The other one has disappeared and any posts I have made are not listed in either my posts or thanks. This thread is for things like: . Spotting pets in properties . Anything awful - decor, extensions etc . Quirky properties . Timewarp properties . Properties in serious repair and anything which is different and of interest…
In process of buying sister out
Long story short my sister and I are in late stage of registering on land registry with solicitors, my share of 66. 5% and other sister 33.5% tho solicitors haven't sent off the forms off yet to land registry yet until we come in and sign forms next week, however we have since learnt the inheritance of her owning 33.5% of…
Paying deposit
Hello, first time buyer aboutto complete on my first property this week (proud monet) To that end, how do i pay my deposit? Can this be a simple online payment! Do i need to inform my bank? I know my solicitor shoukd advise, however they do tend to be slow to reply, and i want to make sure i am ready to push the button.…
Properties that say offers in excess of
Hi guys, any opinions/advice are most welcome Having recently lost my husband, I want to move nearer my sister. I'm totally on my own. I saw a house for sale with offers in excess of £270k, it only came on last week, and the EA said they have mega interest and 8 viewings were to be held over the weekend. As the house is…
Consolidation Loan and mortgage application
Hi , I was in abit of a mess over the last few years. I had to retrain in my employment due to my back and took a substantial pay cut while doing so. Skip forward 4 years and I’m now In a position to save for a house as my salary is up to where it should be . I do however have the debt from that period that kept us afloat…
Entering rented property (just because you have a key)
So we have just moved into a rental property. Been here a week. We went through an agent but they only now deal with the legal side of things. Rent and contract. They said I will be dealing with the landlord direct which is a Man and wife. Firstly she asked to meet us. Which she did Sunday and brought her son who lives in…
95% Mortgage for 19 year old - Advice
Hello all - My stepson is currently exploring the possibility of moving out of the home and getting a mortgage on a flat with his partner. He has steady full-time employment and earns a decent amount - and his credit score is over 900. He has enough of a deposit saved up to cover 5% of the property - and has started to…
House not selling!
Hello, we’re looking for a bit of house selling advice, We’re trying to sell MILs house. We’re a rural area but it’s on a new small estate, we’ve paid off her substantial equity release mortgage with all our savings to stop the huge amount of monthly interest and dropped the price from £245,000 to £215,000 but not even a…
Insulation
Is it wise to put plywood over the insulation in an attic?
Right to buy boundary issues
We are going through a right to buy (been 9 long months to date). We are at the last hurdle now but had an email from solicitors saying the council are not giving us the title deeds to the front pavement in the garden. This front pavement does not belong to the neighbour who are private. This front pavement goes to our…
Buying a home to live in that has a tenant in situ need advice
I'm going to view a property this week and the current owners have a tenant in situ, I've been tol that I won't be able to get a mortgage on the home to live in if there is a tenant already living there. So what's the best option for me? Should I just make my offer to the owner but only actually sign the contract once the…
Removed gas fire, buyer wants local authority consent
Hi everyone We had a gas fire removed when we bought our property a couple of years ago. The work was carried out by a gas safe engineer who was also installing a new boiler and rads. We weren't sure what to do with the space, so we boarded it with some ply and put a sideboard in front of it for the time being. We are now…
TP1 and covenants
Myself and a group of ten other directors are on a board of directors for a management committee for couple of blocks of flats (leasehold) here in the Midlands. We also have some neighbouring land which is currently being used as lock up garages and the covenants within the leasehold states that this need to remain for the…
Stamp duty
Does anyone have a definitive answer please on wether I need to pay the higher stamp duty rate? Even the solicitors couldn't agree one says yes and the other disagrees. So if anyone knows for sure id be very grateful. My son owns half my property but has never lived here, he's rented for the last 10 years with his partner…
Chimney breast removed and steel beam supporting remaining weight in loft
I am about to complete on buying a mid-terraced house with chimney breast removed, but steel beam supporting remaining weight (including stack) in loft. Seller does not have paperwork confirming building control as they did not carry out the removal works (- they had bought property on probate). Seller will provide me with…
How to find out if Joint Tenants or if Tenants in Common
Not as simple as I thought. I assumed the Land Registry would have this info, but it seems uncertain where that information will be kept, apparently it can vary. A relative and his mother bought their house off the council back in the 1980s as joint owners, but now his Mum has died needs to know what sort of joint…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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