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Making two flats into one property.
Hi. This concerns a couple of flats in an old 6-flat building, currently one flat on each floor. The owner of the top flat is considering buying the one below, with the idea of ultimately converting it into a maisonette. Would the FH have the ultimate day over having them combined? Could he scupper these plans just because…
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Lodger - Security Depoist
I took in a lodger in my home a few months ago and the agreement is coming to an end. I have decided not to renew it due to the lodger's conduct. He was eating and using my food and food items which as a result made me buy things again and spend more on food. Repeated communication and requests not to do so did not help…
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Leasehold nearing 80 years remaining with possible absent freeholder
Hi MSEers, I hope this is the correct forum for this. I'm in the situation where I own the first floor flat of a converted West London Edwardian terrace house. I believe I have about 84 years left on the lease and am currently looking to either extend or buy the freehold outright (the other leaseholder being the 1bedroom…
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Buying parents house.
I live with my elderly mother in her mortgage free house. I have 2 siblings we will share everything equally we have a will in place. I am new to all this, how would I go about buying this place on a mortgage (hopefully I would be able to do it) after she dies, I am concerned that they will have free cash out of it but I…
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Separation with 2 homes
Hi, Im hoping someone will know the answer to this. i am currently in a long term relationship but we are not married. We own 2 properties both in joint names and with both our names on the deeds of each. We are looking at separation, if we were to transfer the deeds so each of us had one property each, of which we would…
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Mortgage offer has come to my home addressed to somebody else
I have had a mortgage offer come to my house addressed to 2 people I have never heard of. I'm not selling my house or moving. I sent it back once but it has been sent out again. Should I be worried?
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Negotiating on Price - Tips? Advice?
I’ve got my eye on a property I really love. From a bit of online research I believe it’s been on the market for about a year and was reduced in price about six months ago. A similar neighbouring property with more up to date kitchen and bathrooms sold last year for about £20k less than the ‘offers over’ price of the house…
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EAs updates are conflicting
Yesterday, my EA informed me that my seller is no longer chain-free. In response, I expressed my intention to withdraw. Today, another representative from the same EA contacted me to report that my seller lost the property he intended to purchase but has secured a new one that is chain-free. At this point, I feel uncertain…
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Ex demanding money from lodgers
When we split up a few years ago, my ex leant me £28,000 of our 50/50 equity, so I could buy a 3 bedroom house for myself and 2 young adult children. The deal was I paid him back when I sold the house or when/if I moved a new partner in. one of my children has moved out and I occasionally have short term lodgers. He is now…
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Purchase on a Private Road
I bought a house last year and at no point was I told it was on a private road. The reason I have found this out is because I have found soak-away that doesn't lead anywhere ie isn't connected to any drainage system and is causing rising damp in the property. I called the water company, they said they weren't responsible…
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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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Reduce price?
We had our flat for sale for now about 2 months with a few viewings but no offer. It’s 2 bed, renovated with a private garden. Other similar properties in the area (London) priced for about the same. EA is asking if we would like to reduce price. I’m hesitant. Should we reduce or take it off the market and wait for…
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Flat back on the market
The flat my son is interested is back in the market after 5 months. EA said nothing major with the survey but the buyers circumstances have changed. He is still interested can he offer to buy the survey at a discount with surveyors consent or get his own, What would anyone do under these circumstances? Strange put back on…
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My second home was previously my first home is now for sale. Is CGT due if no profit is made.
Fifteen years ago my flat, which was my main home was for sale for £100k. I purchased a second home with my partner which became my main home. The flat sale fell through and it has been rented out since. The flat is for sale again at £100k which was the same price it was when it was my main home. I have the estate agent…
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Stamp duty
Hi to everyone. Years ago my son bought a property in Spain for holidays, years later he bought a property in London where he is domiciled and paid £12,000 in stamp duty because it is a second home. How much will he have to pay in stamp duty if he sells the property in Spain to buy another abroad as a holiday home? Does it…
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Land Ownership Searches
Is it possible to search general areas of the countryside to identify owners of land ? or does a search for each field need to be made separately (and presumably there would be a cost for each search). I am looking to identify owners of land in a fairly small area of Wales that I am interested in purchasing some land in. I…
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There is a third-party claim against the estate
Morning all We recieved an email from the vendors solictor which could explain a hold-up. Has anyone come across this before? "There is a third-party claim against the estate which we believe is unfounded." They go onto proposing dates in a months time for exchange. As always the solictor is being very guarded and avoiding…
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Council tax - first time homeowner
Bit of a daft question but I’m a first time homeowner and first time council tax payer: We completed on 04/04/24 but won’t be moving in until late July/early August due to work being done on the property before it’s ready to live in. On the change of address form, do I need to select the option that says we’ve bought the…
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Covenant on Ex council house
History - council house bought in the 70's when owned by the council. They have now sold remaining council properties to a housing association. Issue - we want to build another house on the land owed by our family since it was bought from the council. Housing association is saying they want 50% of the new house value…
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Retrospective probate house value
We were given a probate value when selling our mothers house. It was lower than expected but we were told that was what they did for probate values so accepted this. We sold privately and it went for the lower side of value but because the probate value was so low we have now received demand for capital gains payment and…