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  1. Hi This is my first post, I am a first time buyer. I have been trying to buy a leasehold flat since January, the development is a 6 floor building built in 2017, the searches have been completed, no issues were picked up and the lender is happy with the EW1S. We were supposed to complete a few weeks ago and the lender even sent the money, but on the day before we were supposed to exchange my solicitor said that the seller's team had mistakenly stated that the building was not relevant to new legislation introduced this year, and in their opinion the building was in definitely relevant and would require additional certificates from the management company. Since then we have been in a stalemate, with the management company disputing that they need to provide any more documentation, and my solicitors unwilling to complete. Meanwhile other flats are selling and exchanging, even with mortgages from lenders. The seller has now withdrawn from the deal. I thought about using another solicitor that I knew was familiar with the building, but they sent a reply back stating that they were currently not acting in purchases of leasehold properties in buildings over 3 storeys high, "due to the complexity and uncertainty of the Buildings Safety Act 2022" What am I missing, my gut is telling me to find another property, however I really like the development and other properties are being purchased with mortgages, is my solicitor too cautious? Any advice would be greatly appreciated, thanks in advance
  2. Hi, I'm looking at purchasing a house tomorrow at auction. I have had a good look at all the searches and deeds etc and am happy with the majority. The only issue is that there is one charge in the title deeds which I don't quite understand, mainly because it is legal language. Could anyone translate the following for me, please. Many thanks indeed, Jim "Except rights of light air or otherwise which would restrict or interfere with the free use of the adjoining messuage of the Vendor being <<ADDRESS OF NEXT DOOR NEIGHBOUR HERE>> aforesaid for building or other purposes EXCEPT and RESERVING unto the Vendor and her successors in title the owner or owners for the time being of the said adjoining property <<ADDRESS OF NEXT DOOR NEIGHBOUR HERE>> aforesaid all easements quasi easements rights and privileges now or heretofore occupied or enjoyed therewith over or in relation to the property hereby transferred."
  3. Hello all, I'm looking for some advice. Before my father passed he wrote a will leaving his property to me when I turned 21 and it would stay in the trust of my mum until then. My mum has been living in the property and due to the difficulty of the situation it never got transferred to me when I turned 21. I am now 30 and want to transfer the property but don't know the process of what I actually need to do and who I need to speak to. Does anyone know what my next steps should be? Many thanks in advance.
  4. Thanks for taking the time to read. Will try and make as brief as possible and will reply quickly if there are any questions I purchased a building containing 3 flats and I am planning to rent the flats on a serviced accommodation basis. The contract details that the developer is obliged to complete snagging. I had a professional compile a snag list and sent this to the developer. The developer has been ignoring correspondence since. I have notified the developer that I am in the process of sourcing a mediator and said that I am planning on pursing the developer in the courts to force them to complete the snagging work and for the lost revenue that I am starting to incur. I am hoping that this may prompt some action from the developer but I am planning for the worst. I am an avid listener of the podcast and do my best to educate myself on all things property, but I am very much a novice. Any advice on how this matter should be handled would be greatly appreciated. I have also listed some key issues that I would love some input on below. - Who generally pays mediator costs - Claiming for lost revenue due to the delay - The developer did not seal the chimney and as a result a bedroom on the ground floor is suffering from damp, is this type of defect typically covered?
  5. HI there, I would like to come in contact with a reliable, efficient and trustworthy solicitor. Can you please share recommendations based on past and happy service(s) received. Thanks in advance
  6. Hello, I am currently in the process of purchasing my first buy-to-let under a limited company and Paragon (the mortgage provider that I am using) have requested that I have a "Certificate of Confirmation of Advice" provided by an independent solicitor which will end up costing £600 in legal fees (two hours work). I have brought this unexpected cost up with my mortgage broker and he assures me that this is a standard procedure for every mortgage under a private limited company and will have to be done whenever I move lender or for any future purchases, although I have personally never heard of it before. Is this something that anyone else has gone through? Many thanks for anyone that can give me some advice, it is greatly appreciated. Nick
  7. Hi everyone. I'm looking for a solicitor to help with a purchase in Bradford. Recommendations please.
  8. Hello everyone. I’m Monica and am looking to start my property journey which I’m really excited about. I’ve the funds to invest but need a power team around me to keep me honest and steer me on the right path. I’m based in Birmingham so would appreciate any recommendations for a property accountant, mortgage broker, solicitor and builder in the Midlands. I’ve tried looking around myself but I’d rather use people who are tried and tested. Thanks in anticipation of your help.
  9. Hi everyone, I'm looking at the daunting task of buying my first home. Would anyone have recommendations for a good broker & solicitor? Property location: Leeds Many thanks. Thierry C
  10. Hi guys, Me and my partner want to invest out first BTL in Crewe area, we are about to make an offer but didn't found suitable mortgage broker and solicitor yet. We have been contacted by some mortgage broker, however their service fees are payable upon application, which we don't really like. We prefer to pay the fees upon completion. Can anyone kindly recommend a mortgage broker and a Solicitor in Crewe area who you know they works good and charge reasonably? Thanks for your help! Anna
  11. Hello Everyone, I am looking to remortgaging my leasehold ex council flat, its worth about £55-60k, it does not have a mortgage. I would like to know do i need a solicitor to do any legal work & if so roughly how much will the solicitor charge? Many thanks. Sub.
  12. I have been recommended a solicitor through my broker and have subsequently been sent through the full list of costs if i were to choose them. I would love peoples opinions on them and if they look too high or priced competitively. Purchase Legal Fees £700.00 Legal Fees VAT at 20% £140.00 Supplements Mortgage Lender Fee £125.00 Bank Transfer Fee (Per Transfer) £45.00 Search Pack £300.00 VAT at 20% £94.00 Disbursements Pre Completion Searches £7.00 Land Registry Fees £20.00 Stamp Duty (SDLT) £2,100.00 Total: £3,531.00
  13. Hi, I bought a BTL property last year via an SPV and paid £500 + VAT for independent legal advice for the personal guarantee. I'm now on BTL no.2 and would absolutely love to avoid being robbed at daylight this time round! Can anyone suggest and London based solicitors (or national ones offering the service via Skype) that can give advice at a reasonable price? Thanks
  14. Hi, Could you recommend reliable Solicitor who could deal with auction purchase in Liverpool? I'm searching as well for trustworthy efficient building company/builder to make some refurbishment. For the future I'll probably need as well Mortgage Broker (can be based in Liverpool or London but I guess location in this case is not that important). Thanks a lot for advise, Regards, Joanna
  15. If I sell my flat to the SPV, say for £450K and the SPV only has a cash balance of £400K, can the Solicitor actually complete on this sale? i.e. physically only £400K will change hands as it were. The remainder £50K will be shown as a Director's loan owed to me from my SPV LTD company. My accountant is OK with this however he isn't sure about whether the Solicitor can complete the sale without the whole value of £450K being transferred. 1) Has anyone actually done this and has it worked? If so, how e.g. did the Solicitor have to draw up a separate loan agreement so that the sale can go through? Any other ways of making this happen? 2) In the future, if the SPV then needs to take out a mortgage, will the outstanding loan from the SPV to me cause an issue with getting a mortgage? Thanks very much all.
  16. Hi, I'm buying a BTL flat in Cardiff and looking for a Bristol based solicitor who has experience with buying through a Ltd Company. Can anyone offer a referral please? This is a first time purchase using a Ltd company for me. thanks!
  17. Good morning all, I've just found out that my usual conveyancing solicitor is not on the panel for the lender on my latest BTL purchase, so am looking for suggestions; BTL, leasehold flat Purchase with my LTD Co SPV Lender is Vida Homeloans Can anyone offer a recommendation? Both myself and the BTL flat are in Bristol, so that location would offer some benefit, but solicitor location is not a big issue for me. Ideally not a call centre convencing factory though! With thanks, James.
  18. Good afternoon My limited company is in the process of investing in the Birmingham area. We are currently looking for sourcing agents, surveyors, solicitors, project manager and council office that are trustworthy and on the ground to keep the work going. If anyone can forward recommendations, it's highly appreciated. Thank you very much for your help
  19. Hello All, Straight to the point, could anyone please recommend a good solicitor? I am very close to purchasing my first property Thank you for your time and have a great day! Charlie Murray Charlie.murray@hmproperty.co.uk
  20. Hi everyone, I am looking for any recommendations for solicitors that provide reliable auction Legal pack review service. I made a research, but not sure who to select really. Anyone had a good experience with this for a decent price and could recommend? It can be anywhere in the UK really. Any tips appreciated! Thanks
  21. Hi guys, Can anyone recommend any solicitors that understand/ specialise in Lease Option Agreements? Not particularly precious on where they're based. Thanks in advance
  22. Hello everyone, I am looking to sell my property in York. I moved to Australia three years ago and I'm looking for a reliable solicitor that can handle the legalities on my behalf and who can work remotely and completely online, as I will not be returning to the UK in the near future. There is no outstanding mortgage on the property and the tenants have recently left so it should be a straightforward process with no chain. Does anyone have any recommendations? Thanks in advance, LJ
  23. Hello Hubbers! I'm looking for any recommendations for a Peterborough based Solicitor. This is my first property purchase, and with wide range of quotes Im wondering how to choose between them? Thanks in advance, Harry
  24. Hello Everyone, Seems like I may have slightly overpaid on solicitor fee's when purchasing my current residence. Now that I'm looking towards my next project, these are some costs which i'd like to get under control. A couple of questions for you kind people: 1. Not including search fees etc, what do you consider a typical and reasonable solicitor fee when purchasing circa £70k properties in the north-west? 2. I'd love to hear of any recommendations you have for reasonably priced but very communicative and generally "on-it" solicitors in my region! Thanks very much for your help, All the best, Will
  25. Hi guys, I'm looking for recommendations for reliable & professional solicitors who specialise in buy to let mortgages for landlords that are (i) Self employed and (ii) purchasing via an SPV. Finding it tricky finding to find any so far, therefore your recommendations are much needed! Thanks
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