I have been offered the right to buy my freehold by Persimmon properties at a set price. The leasehold title is subject to a mortgage. Can I buy the freehold without merging titles and involving my bank?...

This site is a SCAM. It is not an official site. It takes your money, but there is actually no help or response....

Mortgage lender undervalued the property. Does the renegotiation of price happen via solicitor or estate agent...

Looking to buy next door what is the process to purchase next door? ...

Back in 2012, the Financial Ombudsman Service ruled in my favour that my mortgage supplier at the time, Kensington, had acted inappropriate and unlawful and denied me access to an insurance taken out at conveyancing. On the mortgage document, Kensington h...

How do I add a charge to my property for a loan from my parents without incurring legal fees?...

Does a huge transaction in my bank account that came in and went out of my bank affect my Mortgage purchase? The huge transaction does not count toward the purchase of the property and the deposit too. My deposit is coming from my savings from my salary a...

I'm preparing to apply for a mortgage, and I have a history of poor credit, including a past IVA registration that has since been removed. I'm curious if the solicitor's bankruptcy search will uncover my previous IVA details. Is it possible for me to obta...

Hi, our TR1 form is a TIC with a 60/40 split. However I’ve been paying 50/50 on the mortgage. Will the 60/40 split only relate to the initial transfer price, so any profit after that amount will be split 50/50 or will it be the whole sale price of the p...

I’m purchasing a property - or trying to!

First hurdle - the house has 2 kitchens, so most lenders won’t touch it as residential. Also a current business on the property, business is not included in the sale. Again issues with lenders as they surv...

Our property comprises of our home and garages/premises from which my husband ran a small business for over 35 years. The property also has two title deeds. Our estate agent is recommending that we de-register the business side of the property as he thi...

We are at the point of setting a completion date and unsure of these searches have already been carried out. I don’t feel I have a need to worry but previously had financial issues due to redundancy and it took some time to get hired for another job and...

as per question...

I am looking to obtain a joint borrowers sole proprietor mortgage with a family member however the sponsor is renting from a housing association. My question is will this affect their property in any way bearing in mind they will be liable for the mortgag...

I am currently building my self build house can I get indemnity insurance...

Please can I get a mortgage on Good Leasehold property....

I have 2 semidetached houses with x1 BTL and the one I live in next door is on repayment mortgage with a different provider. HOw do I go about converting the 2 semi into a detached property?...

I am named on a previous title deed with my now ex partner.. I have had nothing to do with the house for 12yrs and this was signed over to my ex-partner. I am now applying for a new mortgage for a new property but have been told I need to remove my name f...

My wife is going to be sending me money in order to help kickstart our mortgage before moving to the UK (she is from the Philippines) we are aware for legal reasons since it is over a certain amount of money she will have to fill in a "mortgage gifted dep...

If the mortgage lender is registered with the FSA and is on the title deeds as the lender are there any additional actions by the conveyancer...

What does UKFML 5.8.1 mean. I’m in the final stages of getting a lifetime mortgage. My flat (one of 5) is a conversion. The first conversation from the house Edwardian was in 1977 and the extension to accommodate a further 2 flats - including mine was i...

Trying to remortgage our property and the lender's solicitors have rejected the mortgage on the basis of two valid titles being registered with The Land Registry. One indicates there is a land rentcharge in place since the property was built in 1906, and ...

none...

I had a dispute with a credit card company over 10 years ago and they placed a equitable charge on my property.My mortgage I have been paying was interest only and now I need too change it back to repayment they are saying the debut must be paid in full s...

...

Can we mortgage a house that currently has a defective title? Extension built in 1970’ with full approved planning. However, deeds show a public footpath runs right the through the extension. Applications have been made to rectify but in the meantime co...

I have a questions regarding a small gift amount we are giving to our daughter and future son in law to help along with the deposit of their first home and have been asked for paperwork as if we are buying it. 
Do we have to produce 3 month banks state...

Please can you confirm if the CML accept electronic ID checks and document verification such as the Thridfort system?...

Can I appoint Power of Attorney to sign mortgage agreement in my absence as I work overseas ?...

Do I need a solicitor to complete a DS1 form? How much would you expect to pay for a DS1 form completion?
I am due to pay an amount back to my Harron Homes, who part paid some of my deposit when I bought a new build off them 10 years ago, and they have a...

I live in a ground floor flat. I own two titles lease and freehold. Flat above me recently put their property up for sale. The new buyer requested that they merged their lease and freehold which they did and I was asked to sign. Next they rang and said th...

septic tank issues
...

The mortgage is in my husband's name and wants to give me a PoA ...

I am looking to buy a property which is being sold by the deceased owners relatives.
The title deeds are lost / unregistered title and their solicitor is in the process of submitting an application for first registration - my understanding is to obtain ...

Part of our title, which includes a barn with planning permission to convert to a 2 bed holiday let is not covered by the current lenders registered charge but sits in the property title plan.

Questions
- can I remortgage the part not covered by the r...

I have a large house that I want to convert into two single dwellings. I have a 40% mortgage currently but need to know if the mortgage company have to give permission for me to undertake the work. Thanks...

I have a mortgage offer and I’m looking to complete in Nov 2020, however, I have been approached by my old manager for opportunity in his firm, is it best I wait to complete before considering a change it will be higher salary and he would be willing to...

We want to purchase a property that has two kitchens. This is making it difficult to find a mortgage provider. How could we go about splitting the title of the property so we could get a mortgage on a property with just one kitchen? Many many thanks for a...

Acting for the lender who has loaned a company funds. The loan is guranteed by the director in his personal capacity against his home address which has nothing to do with the company. Do I have to register this charge at Companies house?...

I am in process of purchasing a property, I have a gifted deposit coming from my partner and now the lender is insisting I take out this policy which I will have to, but my solicitor is asking hoe long me and my partner have been together? Is this relevan...

Can my income drawdown pension pot be considered in my overall income to get a mortgage on a second property?...

Which lender will lend against two properties one deed or how does the vendor obtain deed for 2nd property which is two storey no bathroom or kitchen but water and electricity ...

Can I add a name to my freehold purchase at the same time as completion?...

statement of truth required for remortgage...

I would greatly appreciate some advice regarding how to manage my property.

The property is a new build leasehold flat in Sale M33 7JW recently valued at £185-190K and was bought 2 years ago using a 20% loan from the Help to Buy scheme.
At the momen...

Could it be shared Freehold or would this be detailed on the deed? A surveyor has visited the property and suggested that it is a leasehold tenure or shared Freehold, however the deeds do not state this. It states it is Freehold ...

hi, I am investigating a fraudulent inter family transaction Property was transferred from parents to company owned by my half brother. solicitor has since been struck off. transfer was dated 26/11/2004 and a mortgage was drawn down exactly a week after t...

I am purchasing a leasehold with the following ground rent clause: 125 year lease, 93 years left. Current ground rent = £350p/a (currently 0.1% of property value) Increases every 25 years either by doubling itself or by 0.1% of the property market val...

My parents are looking to release equity from their property. The mortgage is paid but there is a small secured loan against the property. Would it be possible for me to mortgage the property if they sign it over to me? Is this a better/ or even viable...

can i transfer £26k to my ex for the house sale

Hi, I’ve provided copies of my credit cards statements to my solicitor in paying off my debts as part of the remortgage but do they need the original? I have a paperless account. What else can I do?

can you join 2 title deeds one for a house and one for 2 acres of land...

I have just received the client care letter for a joint remortgage from my solicitor, however my wife is overseas at the moment.how do i verify her passport ID ( true likeness to individual) if she is not in the uk...

I've been told I need this clause in my AST...

My mum lent my sister £80K for a deposit on her house approx 11 yrs ago. She had a covenance stipulating my mum was to be informed if the house was sold as she has a claim on any profit/equity. Sister has fallen out with my mum 8 months ago & we know she...

Hi,
My wife is named on the mortgage and deeds of her parents house with her parents and brother (4 ppl in total) which she lived in before we got married 6 years ago.
We’ve managed to buy our property 6 yrs ago without any
Issues. Now we’re lookin...

I have lasting POA as my wife has dementia and we need to seek a mortgage or loan against the property I was thinking about interest only retirement mortgage. the property is currently free and clear and has no mortgage attached. What do I ned to do to ge...

I am purchasing an unregistered property with a mortgage, will the current owner have to register the property first or can this be done by my solicitor after completion....

can you complete a transfer of equity before you have your finances in order with the court...

What is confirmatory letter? why do we do that letter while preparing mortgage report to client?...

Hi there. Does a need deed of variation which has been witnessed and signed have to go to registry before completion or can it go with the rest of the documents on completion of the transaction?...

Hi,

My parents have permanently separated and they're not talking, neither can afford to divorce right now or is actively seeking to do so. They have a joint mortgage on a property which my mother is now inhabiting. My father is keen to sell the place ...

i have 2 flats on 1 frehold deed. i want to release equity on the 2 properties so I can buy another house but ive been advised I need to split the deeds so I can get a remortage on them is this correct?...

Hi. I have a mortgage with my sister in law. I no longer live in the house so when I moved out, we have agreed that I will transfer my share of equities to her and she will pay me back the deposit I put towards the house. My question is can she transfer m...

My downstairs owner has changed his mortgage provider. I have received a letter stating “please see this notice of change of mortgage company in relation to the property.” I believe I own the freehold and the letter says my neighbour pays a peppercorn...

Hi could you help
I’m in completion stage of a re mortgage on a property that I own outright
I received a interim charging order on Saturday that has been registered with
Land registry could you tell me if the mortgage is likely to go through
And...

Hi,

My sister, nan and I had a mortgage on her ex council property. She was solely on the deed. My nan has passed away and I would like to know legally where I stand. I have a trust deed that says im entitled to 25% of the property when it is sold. ...

Im in the completion stage of remortgaging my home which I own out rite and complete in 6 days time and have just received a interim charging order from an unpaid CSA claim will my mortgage still go through........?...

I have received an email saying there is a restriction on my property.

The restriction reads as follows:
RESTRICTION: No disposition of the registered estate by the proprietor of the registered estate is to be registered without a certificate signed b...

Halifax had agreed to port my mortgage on the condition my IVA was settled. They offered £220,000 on told me to find a house. I made an offer on a £350,000 house with £130,000 deposit. Midway through completion underwriters have said without reason we ...

Hi there, Can you help. We managed to own our home outright a few years ago. We have recently applied for a remortgage to get a buy to let mortgage on the property which will enable us to purchase another property. My conveyancer has given me an estimate ...

I currently own a property in my sole name which is mortgaged. My wife is named on another mortgage with her sister for a property they bought together for her parents.
I am looking to sell the current property we live in and purchase a new one in my sol...

Hello,
We have lived in our property 6 years and completed the Section 157 agreement when we purchased it. We have remortgaged since and the S157 was not mentioned. We are now trying to remortgage again and the council have stated that we must pay £120 ...

How do I get a deed of transfer to my ex wife on a house with a 16.5% equity in the house to be payed to me in 2022 and how much will it cost....

A and B hold legal estate and a mortgage on property. The property needs to be "remortgaged" -- the borrower for the new borrowing will include person C. Options for new borrowing are: (1) C alone or (2) C with A or B. For each option, is the borrow...

Hello, I am looking to remortgage my property that currently has a non-standard restriction in terms of a right of pre-emption at section B3 of the Land Registry title deeds. I am trying to find out if there are any mortgage lenders that would be willing ...

...

I am trying to get hold of a copy of the occupiers consent form I signed, however my solicitors went into administration last month. I have contacted the mortgage lender who advised they do not hold a copy....

I'm taking on a bigger mortgage in my name due to my ex husband coming off the joint mortgage. He is getting a charge back when I have to sell it when youngest is 18 of 20% but he wants to be added as a second charge on the property so I have to sign a CH...

Hi, I need some clarity please.

In the event a property is sold with a bank mortgage and other legal charges, do the chargees have to agree in writing even in the event there is nothing left to pay.

For example:

House is sold for £150,000 with �...

Hiya, We are looking at buying our first house together. My MIL has kindly offered to lend the money for the full deposit but will only put the contract in my OHs name even though she is expecting us to both pay her back equally. The mortgage will also be...

What can I do if my next door neighbours mortgage company NRam, is holding up the sale of my house, by delaying a decision to swop like for like pieces of land with each other....

what is the average solicitor's charge for witnessing an occupier waiver form?
...

Hi there - my husband is the sole name on the mortgage and I want to be added to allow us to get a better mortgage rate but I understand that the title deeds need to be changed to allow us to do this? Just wondering if this is something I can do myself a...

I need to come off a joint mortgage. My ex is buying me out and I need to come off the mortgage but don’t know what I need to do? Do I need a solicitor?...

Stated she had no financial interest in the property. Sent paper work several times but claims to have not received it.
Has stalled the process by 3 months now.
How do I go about getting the district judge to sign it on her behalf and issue a cost orde...

I currently have a joint mortgage and presume title deeds are in joint names. I am separating from my husband and I have applied for a mortgage in my name only which will include £50000 to pay him. The building society said I need a solicitor to get a ti...

I have two adjacent properties that I wish to combine. Currently both have mortgages on them. Am I able to get a bridging loan to pay off one mortgage and then combine the deeds or do I need to have both deeds mortgage free? If I can do it with one mortga...

If I'm applying for a Buy to let mortgage, why would the lenders legal team ask for this document to be signed by the occupier who is not financially tied to the property? Would the rights of the tenant be covered in the tenancy agreement?...

My son has the mortgage in his name as I was unable to get one over a longer period to make it affordable for me. There is not and has not/never been any financial expectation or contribution from him. We want to put together a document that states the pr...

I inherited a property with my siblings and would like to buy them out to convert it to a buy to let. Will I be liable for stamp duty to buy them out or the additional 3% for buy to let?...

Hi we are wanting to remortgage our home but got into financial difficulty many years ago which resulted in serveral restrictions being placed on our title deeds. I am wondering if remortgage is still possible and how we go about this. What if we decide...

How I got my desired loan without any stress.

I am Martha Colin, I resides in Washington. I was financially down some few months ago, and during the cause of getting an affordable loan I was scammed by three different online lenders. I had completely ...

Hi, I'm in the process of selling a property where my current mortgage has early repayment charges that end in 6 weeks time. Do the charges apply on exchange of contracts or completion?...

In 2011 I got divorced, I now need to get a fixed rate for my mortgage as it is currently on a variable rate but the bank is insisting I get a signature from my ex. I do not know his whereabouts. The District Judge also said "THE RESPONDENT HUSBAND (my ex...

Can someone help me please before I go mad. My daughter has split up from her boyfriend. She can not afford to pay the mortgage herself as the lender does not think she earns enough however she realises just how hard it would be to get back onto the prope...

Can I buy a flat with a mortgage but put my daughter's name on the deeds?...

Hi

My partner is looking to buy a property however because he's self employed he can't secure a big enough mortgage and I have offered to take out a mortgage with him.

I am not planning to be on the deed as I will not contribute to the deposit - a...

can mortgage loan still go through to completion if girlfriend moving out does not sign occupiers form...

Hello everyone am very happy today I just received my loan from one God fearing woman Mrs Alberta when all my hope was lost that I can never get a loan anymore because I have been scammed by many lenders but I just encourage my self and take a bold step a...

I am remortgaging to make some home improvements. The lender's solicitor has asked for a signed borrowers undertaking relating to "works detailed in the valuation report". The valuation report says "The rear extension, which houses the kitchen, is of sub-...

My wife has a flat on which she would like to remortgage. However, her ex husband has placed a restriction on the property claiming equitable interest. He has not taken my wife to court and my wife has not gone to court to get an order to get the restrict...

have a flat with halifax on an agreement to lease if I buy another property for myself to live in how much stamp duty will I pay and will I be classed as a first time buyer ...

Mortgage was held in three names; property was remortgaged into one name removing two names from the mortgage; mortgage completed; 3% stamp duty paid as ownership change equalled a purchase; lender’s conveyancer did not inform Land Registry / submit TR...

who do i apply for a mortgage with when i have a criminal conviction. I have 19 unencumbered properties...

I am trying to buy my first house in UK but i am confused about the stamp duty. In 2007 i inherited 50% of an apartment abroad after my father died. The other half belongs to my mother who is living there. How can i prove that my share is worth no more th...

I am trying to buy my first house in UK but i am confused about the stamp duty. In 2007 i inherited 50% of an apartment abroad after my father died. The other half belongs to my mother who is living there. How can i proove that my share is worth more than...

My partner has a mortgage on a house which is lived in by our daughter. I am unable to live in the house due to disability restrictions and rent a house from a local housing association, and of course, my partner lives there with me and is my carer. We ar...

Hi,
have had a look around and unable to find a template to use to send to the mortgage company. We are looking to sell the garage which is part of a block away from the house.
I know we need to contact the mortgage company but unsure what to add into ...

Can the DS3 be done on the day of completion? My solicitor is advising it has not been provided so I cant complete...

So just to recap i dont own the house i have lived in and will continue living in as my main residence ...

?...

can i get title insurance if i am having a mortgage...

I am selling my home in order to purchase a larger property in advance of getting married in the next year or so. In order to afford the larger property, my fiancé would need to be on the mortgage. He already owns a house outright which he doesn't wish...

We have land in our main residential property. Which we are thinking of gifting to our son so he can build a property for himself. We still have mortgage outstanding on this property.
What are the things that we need to consider? ...

NAME: Kevin Hess
EMAIL: [email protected]
do you need an urgent loan to slove problems, well we offer all kinds of loan such as Business loan,student loan,investment loan,housing loan,debt consolidation loan,company loan,car loan e.t.c. at a rate ...

hello, I currently have a joint mortgage with my ex husband. His name was removed from the title deeds but he has a 30% beneficial interest in the property. My new partner wishes us to take out a joint mortgage to pay off my ex husband and remove his char...

I have a clause 145 restriction who can I get a mortgage from on my right to buy protey ...

I own a house. Mortgage is still outstanding on it. I would like to add my husband to the property deeds and we will become a tenant in common. Will my husband need to pay a stamp duty ? ...

My ex husband has asked for his share of the house and wants his name taken off the deeds and the mortgage. The problem is that I am on benefits and unable to get a mortgage, my son has offered to help me so I do not need to leave the family home. We have...

I want to remortgage my property. I want to know whether I have to pay SDLT or any other tax? ...

Hi, I bought a house with my ex and I have been trying to get his name off the mortgage now for 7 months. Yesterday my solicitor received the final document we needed from him, however, my new mortgage offer has now expired and I had to start again. The b...

Hello everyone
My name is ivey salmon and i live in Ararat Virginia i am saying this today not because i want to but because i need to, for those who is in need of a geniune loan and i know that they are alot of scammers out there but they are still so...

have a Restriction against the land against my house for a bank loan. Need to remortgage - can I do this with the charge still there?...

I CANNOT FIND WHERE TO GET IT ON THE INTERNET...

How do we challenge our buyer's mortgage valuation? We know it is wrong and sales of houses in our road prove it. Our buyer cannot get a higher mortgage and doesn't have the £30k difference. Obviously, he'd rather pay £30k less for our house so he wo...

I split with my partner in September and left the home we shared a mortgage on. We are in the final stages of completing the transfer of equity agreement. I have not been required to pay the mortgage since december as my ex partner is happy to do so as sh...

Why do solicitors need to see the tenancy agreement when dealing with a BTL remortgage? What 'checks' on the agreement do they actually do?...

My X Husband Wont Sign The DS1 And ID1 Forms So I Can Sell My House And He Can Get Paid According To The Order Of The Court...

please advise...

Hi
My dad has a endowment mortgage and hasn't been able to keep up with the re-payments, so the house will be getting repasested. Is there anyway his son can take on the house even with a outstanding mortgage.
Thanks ...

Can I get a remortgage if my brothers name is on the deed for the property? , as he has bad credit scores. ...

my new lender has instructed a solicitor to do the legal work on their behalf on a remortgage. do i need a solicitor myself. If yes for what reason?...

I OWN A TERRACED PROPERTY WHICH IS A 3 BED HOUSE AND A 1 BED FLAT. THEY ARE ON COMPLETELY SEPERATE UTILITIES AND BUILDING REGS AND PLANNING ARE IN PLACE.I AM LOOKING AT SPLITTING THE PROPERTIES ONTO 2 DEEDS WITH A FREEHOLD AND LEASEHOLD AS I AM STRUGGLING...

Hi,

I'm separating from my wife and would like to transfer the mortgage to her. She still resides in the house but it's only my name on the deeds. I've been told I need to 'gift her' the equity. Is this correct? What is the process of doing this? Thank...

Hi. If I give a person a restriction on title via RX1 form, will that person be notified if I subsequently remortgage the property. Many Thanks....

Mu husband has a buy to let property . If Myself (wife) purchase a buy to let what will be the stamp duty. Will I fall into higher stamp duty rate?...

I'm taking my soon to be ex husband off the mortgage. I own the property ( in my name was never changed) had sole mortgage before him and am remortgaging back to sole again. Do I need to do transfer of equity if all he's doing is no longer paying the mort...

Dear Sir/Madame,

I reveived standard Mortgage deed document from my solicitors but bank already confirmed our morgage, we giving self deposit as well and flat is worth more than bank is borrowing us do I still need to sign it ?? And if yes why?...

Can I avoid paying the higher rate SDLT by taking out a mortgage with my girlfriend and putting the deeds solely in her name? I am living in rented accommodation but have a buy to let property of my own. She is selling her main residence and buying a new ...

I would be happy to discuss over the phone at any time...

I am selling my house to the new occupier that wants in by 3rd feb 17 but I will have to pay early settlement fee, come march 2017 I wont. Can I still sell my house and keep the funds in a special account then pay mortgage off in march?...

Our solicitor has contacted our lender to say that there is no section 38 in place. The valuer has advised a full retention.

I have received proof from our developer that he has paid a bond to the council, so should this allow us to complete on the ho...

...

I have let my property out through a proper letting agent. I have fulfilled all the criteria i.e. I have a landlords license in place and have all the certificates of safety. My mortgage lender has been informed. I have been told that I am in breach of my...

My ex partner is remortgaging house and needs me to sign to say i agree to coming off mortgage. What do i need to do?...

Hi. We are trying to buy a house which has historic subsidence (has been dealt with). Our mortgage provider (Halifax) have mandated that we need a full structural survey, so we asked the vendors to provide it as they did not disclose the subsidence origin...

My parents moved abroad eleven years ago my sister took out a mortgage on part of the property.
My parents have now moved back to the uk and want to sell the property they have no mortgage and are named on land registry, my sister still has about half to...

Hi,

I currently own a property which isn't and has never been my main residence. It is let to parents, although the initial intention was for me to reside at this property I never have and proof of this can be provided.

I have previously owned a mai...

Hi I have been married for 11 years and 5 years ago my husband band I bought a house with the mortgage being in his sole name as I had an older mortgage in my sole name which I took out before we got married as my husband had an IVA but we wanted to get o...

At the point of signing to remortgage with a different lender we were told that as part of the joint mortgage was to consolidate individual debts we would have to appoint a solicitor and provide the correct documentation to show we understand the implicat...

I got divorced and the Family Court basically asks me to transfer the property ownership to my former wife but to keep paying the mortgage (my wife has no income). So I am wondering how it can be done and I am looking for a solicitor who can help....

I own 85% of a property in my own name since 2013 and I am looking to remortgage to buy 100% and transfer to a buy to let mortgage. I also own a house in joint names with my partner since September 2015. Will I need to pay additional stamp duty following ...

I'm trying to remove my ex husband from my mortgage and property deeds (using a consent order), and would like to add my fiance to the mortgage and deeds. What is the best way to do this I.e. minimising costs e.g. stamp duty? The house is valued circa £2...

I currently have a joint mortgage with my brother. He has said he wants me to either buy him out or we sell. Myself and my boyfriend have taken out a remortgage to pay of the existing mortgage and give him his share of the equity. There was £8000 left fr...

Is it possible for buyer to exchange contracts and then arrange mortgage afterwards but before completion? Would there be any potential risk to the seller in this?...

Can I sell property which is in my name which there is a deed of covenant on which I agreed to/signed with ex partner?. We still share same house as he refuses to allow me to sell and he is refusing to move out...

Mortgage company performed basic valuation, we had full structural done for piece of mind...

i am taking my name off an existing mortgage with my ex husband and he is taking on the mortgage himself.do we need to change the title deeds or is this done automatically when he takes out the new mortgage please?...

I have a question regarding stamp duty and transfer of equity. I currently own a property with a friend. I am buying him out and my partner is being put onto the mortgage. I'm really struggling to figure out the stamp duty implications if any.

The proper...

So I''m a FTB with a 5% deposit, we've got a DIP (eventually) found a house, had offer accepted, just waiting to complete full mortgage application on Tuesday.Shortly after putting in an offer on the house and having it accepted, I thought it would be a g...

Hi, I am at the offer stage waiting for exchange contracts, I have got the offer from my lender so did my solicitor and he is working on some items asked by the lender. I need to arrange flooring for the new property and would like to spread the cost and ...

We are trying to raise funds against a property to update it. The property has no current mortgage, and is valued £160K. We want to raise £25K, and repay over 5 years.My faether is on the deeds as owner, but is unfirm and mentally unfit. My mother has P...

I have a freehold property (flat with tearoom) which has a 20 year repayment mortgage. Can I sell this property as a leasehold and still retain the mortgage?...

Hi,
I'm currently remortgaging on my main residence, at the same time bringing my wife on to the mortgage (sole to joint mortgage), hence there is a transfer of equity.
I also have another property (furnished holiday let) in my name only.
Since the new ad...

I have lost my Mortage Release for a Mortage made in 1985 with a 10 year mortgage. The mortgage was paid off in 1995. One of the two mortagees died in 1990. Her heir is still alive and I need a Mortgage release. Who can legally sign for the Release...

I brought my flat throught the right to buy however now need to move as having a family etc. I want to remortgage it to get some money out to buy a new place and rent this one out. i am only 1 year into my 5 year discount. I am able to do this without hav...

If I do my own sales conveyancing, do I have to redeem my mortgage before exchange of contracts?...

I am hopefully going to win an auction soon if I do the only problem I have is there are two kitchens in the property. The mortgage broker has told me there surveyor will simply want to see the extra kitchen removed then they will release the mortgage. Th...

My partner and I are looking to buy our first home together. I don't own a property, but my partner does (50/50 in partnership with his brother). His brother lives in the property they own, my partner and I live together in a rented property.

If we purch...

Hi Not sure if you can help but I have exhausted all other lines of enquiry. I bought a house around 11 years ago with my then wife. We subsequently divorced, She wants to come off the mortgage and my new wife wants to be added. I even have a solicitors '...

Both my husband and I have a poor credit history following our divorces and are in the last year now of our IVA. Given this we are led to believe it is very unlikely we could ever obtain a mortgage and certainly couldnt use help to buy.

A friend of ours...

Can my wife gift me part of the deposit money even though she will be living in it with me? Would signing a Occupiers Consent Form alleviate the threat of my mortgage falling through?...

I give money to my husband to proceed for buying a property which is going to be our home. He has to take the mortgage to his name because he can borrow for 25 years while I can not. So the mortgage lender asked to sign a gifted deposit form where I had t...

see above...

Can a lender foreclose/call in a mortgage after exchange of contracts? And if so how does this work?
Many thanks
Flick...

My brother and I own a house with no mortgage that's is rented out, I want to release a small amount of equity from my half for home improvements on my own home do I need his permission? ...

Can I make a contractual agreement before buying a property with a partner, using a mortgage, with regards to what would happen if one of us decides to move on. So if both of our names are on the mortgage, what happens if one decides to move on after 5 y...

can i remortgage to buy another home on a right to buy home before the 5 years are up?...

I am on a joint mortgage with my wife, and due to having no work for many years my wife has paid all the household bills, we need to do a Transfer of Equity with no money being paid to me, there is a mortgage on the property can we use your kit?...

My partner is looking to put my name on the deeds of his house. How do we go about doing this please and any cost associated with this. Does my name have to go on the mortgage of the property as well?...

Hi, when my partner and I split up four years ago we went to the bank and I signed something stating that if we sold the property (jointly owned) I wouldn't be entitled to any money from the sale (on the understanding that my name would be taken off the m...

If i am changing my mortgage but i have already bought the house (2006) and I have rented it out for the last 2 years with the lenders permission. Do i have to pay the governments new stamp duty march 2016 when i remortgage from residential to buy to let...

My dad does not work anymore, and I do not think we can remortgage without his proof of income. Any help would be appreciated. Thanks...

I have property and the mortgage is in my name only. My age is 69. I want to transfer the leasehold mortgage to my son. The loan is 40% the value of the property....

Hi, I bought my house from the council on the right to buy scheme. Therefore I have a Pre-Emption on the property that means I must offer the house back to the council should I wish to ever sell.

In february 2016 I would of owned the house for 10 yea...

I'm in the process of buying a property. We are in a chain of 4.
I'm doing 2 mortgages: a remortgage buy to let for the flat we own and a residential for the house we are buying. We are also using our saving for the deposit. In the small print of both mor...

Procedure to follow , in detail , to ensure that property will be mortgageable in the future, not currently insured ...

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I wonder if you can give me some guidance.
I was granted a divorce in July 2014 and the order made was that the family home was to be transferred to my name, as I and the children occupy it.
Unfortunately, as I have not been able to get a new mortgage, I ...

Myself and my husband bought a house outright. We converted it into 3 flats and have had leases drawn up. We both jointly own the freehold. I am leaseholder of one of the flats which we are trying to capital raise on. Mortgage lender says that the mortgag...

Hello, I am currently living in the residential home with my two children. This home was initially purchased in my ex husbands name. We have a consent order in place that stipulates that I have to cover all disbursements for the home and pay the mortgage...

I have mortgage from a bank for my solely owned property, my wife and children are living in, my wife has signed a occupier's consent when I took the mortgage, just want to find out if I died before the mortgage is been paid off, what right does my wife a...

I have a mortgage with Halifax that is currently in mine and my husbands name. My husband and I separated 3 years ago and divorced 5 months ago. I want to remove his name from the mortgage. Halifax charge £160 for this and also advise I get a solicitor. ...

I am after some advice. I am moving in with boyfriend and his house is still in the name of him and his ex-wife. He wants me to take over on the mortgage, it is possible just to transfer it into his name and me to proof i live there and will contribute wi...

do banks accept gift money and if yes what else do they require?...

My wife is writing her testament. She paid our mortgage for 10 years before we got married. I paid for the last 4 years. She wants to know how to calculate the portion of the house equity that belongs to her children as she includes my name in the title. ...

My boyfriend is buying a house for himself and myself as we have a baby on the way. He has come to me with the mortgage deed to sign and the way it is worded insinuates that I would have no interest in the property against the Lender.
I just need to know ...

I am gifting my son money to pay his deposit for a new house. His solicitor is demanding to see my last 3 months bank statements, which I find an intrusion to my privacy.

Is this correct?
...

I have a legal task which I need someone to perform concerning the purchase of a flat. The property is being purchased by a close friend of mine for around £140,000. The bulk of the money for the purchase, around £110,000, is coming from her own resourc...

The house we are buying has a planning application approved conservatory that was built in 2004.
I contacted the council because the seller said he had no record of the conservatory ever being signed off. The council did it was not a requirement.
I have s...

I am changing my residential mortgage to a buy to let so I can take my deposit out to buy on, It is a two bedroomed with loft room but the surveyor has mentioned in his survey to make sure all the necessary permissions and consents were in place. The work...

My partner and I bought a house 7 years ago and at the time of purchase he was working on temp contracts and we were advised to do the mortgage soley in my name. We would now like to add him to the mortgage however our recent financial difficulties means...

The house I was buying has an underlease and the mortgage providers are now saying they cannot give a mortgage on a house with an underlease.Why would this be...

If my seller makes me an allowance of £300 in lieu of a retention for excess service charges do I have to notify the mortgage lender...

I have a mortgage, I don't want to add my partners name to the mortgage, can I still add my partners name to the deed for my property. If so how do I do this?...

We were hoping to purchase land and build a few houses but it appears some of it will only have possessory title due to lack of registration - the land has been in the family for 50years and I dont doubt the seller but my concern is when we come to sell t...

Can you please tell me if all or most mortgage companies require a new build to have a Section 38 before we can complete. The builder says we are the only purchaser that cannot complete as our Mortgage company has to have a section 38. It is a national ...

I am seeking to switch mortgage lender. My parents have a 2nd charge on the house, and the new lender's legal team have prepared a deed of postponement for my parents to sign, so that the mortgage lender's charge has priority of theirs. In addition to sig...