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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…
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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…
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Prospective buyer only gave partial information on a survey
Buyer had their survey done before putting in an offer. Survey pulled up lots of silly little things on some of the newer work, with only one slightly valid point, typical stuff for surveys I guess. However no comments on areas where I was definitely expecting a lot more feedback compared to the newer bits. There is still…
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Oak Tree on Purchase Property. NIGHTMARE!
Good afternoon. I was after some advice, general validation and a place to just vent! We're close to exchange on a property we're buying. The property in question was part exchanged by the original occupier to a property developer as they decided to buy a new build. We're buying the property from the developer. About 3…
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Reducing offer- effect on our Loan to Value?
Hi, My partner and I bought our house in lockdown for £328,000 with a £290,000 mortgage. Two years on, we are selling it for £310k. We had an offer accepted on a property for £295k. We have a year left on our mortgage, and they have allowed us to port this over. However, we've now viewed again and want to reduce our offer…
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Shared ownership single applicant but married
Hi all, I have had a mortgage/decision in principle sent forward to a housing association for a shared ownership property with a 10% deposit and I applied the first day the applications opened. My wife is pregnant and will not be working and being a stay at home mum, so I will have two dependants on my salary which has…
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Where can I park on these title deeds?? Please help
I live in a small cul-de-sac maintained by a management company. The area shown on my deeds is my property boundary. The area in yellow is a shared access area. I have been parking a vehicle in the yellow area against the fence but within my boundary (shown in other picture) only on odd occasions when parking has been…
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Landlord being difficult about returning deposit
Hi, I handed back the keys from a flat I rented for just over 11 years on 25th March. I’ve been chasing my landlord to return the deposit since and he’s been putting it off and putting it off. He finally said to me last week that he was going to instruct the letting agent to release the deposit (it’s held by them under TDS…
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Neighbour selling house, hasn't paid for shared fence costs
Hi all, looking for advice on how best to deal with this situation. My deeds state that our fence is a shared responsibility with neighbour. I spoke to my elderly neighbour who was happy for it to be replaced as very old and leaning. In the interim he then moved into care home and I dealt with his daughter about it. She…
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Capital gains tax query
Hello, I'm trying to decipher the capital gains rules and getting super confused so would be grateful for any help in understanding what I would be likely to pay should we choose to sell. I am looking to sell my primary residence next year. So far so simple...HOWEVER I fall into one of the exemptions....Whilst I am a…
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Completion Money Lost From Mortgage Lender
Looking for advice on what to do and who is liable. My mum was due to complete on a house on Monday 15th April. This has still not occurred as of today Wednesday 17th April. As you would gather this is a huge issue causing immense stress to her and her partner, they are currently hopeless and are being told by their…
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Lack Housing Options in London for someone earning £42.000
A year ago, I completely changed career and went for a job that paid a lot more than I have ever been paid previously. I thought it would be a decent enough wage to finally pursue my dream of living by myself. I'm earning £42,500 in London and I have come to a realisation that I may have to continue to live in my parents…
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Fuse box for house is in the garage.
Looking to buy a bungalow hiuse fine but we noticed the fuse box for the bungalow is in the garage and a wire goes across to the bungalow. The garage is detached from the bungalow with a possible asbestos roof. Have put an offer in and going to have a survey Anyone seen similar before. We will get the seller to test for…
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How long should you wait after making an offer?
Offer made on Monday. Flat in London, asking price in Nov was over 400k, sale fell through and came back on the market with guide price 425k. Made offer under 5% off asking price. Not heard from EA and do not wish to appear too keen. Can easily walk away. I assume he is arranging more viewings over the weekend before…
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Father died leaving two lodgers in his house
I’m really hoping I can get some advice as my fathers solicitor has been unable to advise and I’ve posted elsewhere where I’ve had unhelpful answers very sadly my 79 year old father passed away suddenly at home on weds and he’s left me with a bit of a mess to sort re his house Dad owned his house outright and had two…
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neighbors lean to building guttering in our garden
I had an elderly neighbour who sadly she passed away recently leaving property to children who are in the process of selling it. When I brought the property (we did not notice this when we brought it) we discovered later that the guttering to neighbours lean to extension (our fence side) is in our garden and the rain water…
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HSBC asking for bank statement after issuing offer
Hello All, So after a wait of around 6/7 weeks and providing a lot of documentation to our lender HSBC. We finally got the offer on 9th April 2024. But as our initial proposed property was sold to someone else because of the delays with application we had not option but to find another home within 6 months. We did find…
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spray foam loft insulation
Hello all, I've had an offer accepted on a property but the survey has discovered that the whole loft has been insulated with spray foam. I'm a cash buyer so no lender involved, but I've been told that if i was getting a mortgage on the property, it would probably be refused or at least the valuation would be greatly…
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Leasehold reform and buying freehold now
I'm having some issues with my freeholder as we've uncovered some changes to the floorplan of our flat made by the previous owner may not have been given permission when we came to sell the flat (its a long story but basically the lease plan in the lease we received when buying wasn't clear so we didn't know the plan had…
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Renegotiate or pull out?
Just reading all the paperwork from the solicitor and there is no building regs certificate for the garage conversion. The conversion consists of a shower room, utility room and lounge. Vendor assured me that had the necessary paperwork but what they have is a certificate for bifold doors in the lounge. Separately the…
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Seller pulled out...mortgage offer delays HSBC
Hello, Our offer got approved on a property. We applied for the full mortgage, and it has been 3.5 weeks, HSBC has been asking questions and questions. This will be our second home, the first one to go on consent to let. No chain. The seller somehow got frustrated and pulled out of the deal and sold it to another buyer who…
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House Sale Dilemma
I have just inherited 50% of my mothers house. I would like to buy out my two younger relatives but my money is locked away until November 2024. My mum suffered from dementia & died aged 95 four months ago. I have been living in her house since 2019, when my plans to travel were curtailed. Instead I became a part-time…