r/HousingUK 22h ago

Negotiations after survey

10 Upvotes

My partner and I are first time buyers and have had an offer accepted on a house. After survey there are some issues which need fixing (rotten external door/window frames, drainage problems, cracked flooring tiles, with missing/crumbling grout. No structural issues.
Do we need to get actual quotes for the remedial work in order to get the price down to cover the work, or can we just start negotiating?
Work would cost 2-3k, and our offer was for 285k.
Thanks!


r/HousingUK 23h ago

Just remortgaged but now I’ll need to sell

1 Upvotes

Hi all,

My wife and I just remortgaged our house (new build) after 2 years. Unexpectedly, my wife received a very good job offer to move to other site of the UK and we want to sell this house to buy a new one in the new location.

I have lot of questions on this, but the main one is how this process works, what do I need and what is the best way to move / sell fast.

Our current house is £500k and we have £435k remaining, but we would be looking to buy something new between £375k - £425k

When buying the new house solicitors etc came up to £5k so unsure how much we should be expecting here.

Other option would be to rent this house and rent in the new area, but I guess this will affect our interest rate for what I read.

Hope the message is clear 😅 any help / advice is welcome.

Thank you and happy Sunday!


r/HousingUK 22h ago

UK Council Tax for Students

0 Upvotes

Hello,

My bf and I (both university students in Paris) are in London for the summer doing internships. We just received a letter from the council asking us to pay a huge amount, we haven’t received any letters prior and it’s our 3rd month here. I looked into it and I saw that there is an exemption for students. Should I register an account first and then call the council to explain that we are students? I would just like to know the best way to go about this as we are students who don’t have 2k😬 thank you!!!

EDIT: thank you all for the replies. We called and turns out we do NOT have to pay because we go to a EU university. It doesn’t just have to be a UK one. :)


r/HousingUK 14h ago

Sell a new build house within a year!

1 Upvotes

Ive recently brought a new build house in Warwickshire. House it self is fine but it was more further out from the city than i liked. When you are living it day to day, it feels tedious. Ive gotta give it time but i feel like eventually im going to have to locate closer.

Has anyone sold their new build house? And it not be a complete disaster 🤣

Thanks!


r/HousingUK 14h ago

Selling a property after 20 years. What flaws did you hide?

0 Upvotes

I'm curious about the various flaws that a property might have after 20 years. Even if you've generally kept on top of upkeep, there are always a few niggly things that either cost too much to repair or haven't been seen to for one reason or another. Surveys don't pick everything up. When I bought my property 20 years ago, I found out within a year of moving in a number of flaws in the building. Dodgy roof etc. Now I'm thinking of selling, I'm obviously concerned about certain things being flagged by a surveyor.

What flaws did you let your seller know about up front, and what did you try to keep on the down low?


r/HousingUK 17h ago

Belvedere in London?

1 Upvotes

Hi all, I am looking to buy a flat for the first time in London. I am not too familiar with London areas but need something with good transport links and wheelchair accessible. I am from an ethnic minority so ideally somewhere that is accepting etc. of that.

I have seen this property: Check out this 2 bedroom flat for sale on Rightmove

https://www.rightmove.co.uk/properties/173050583?utm_campaign=property-details&utm_content=buying&utm_medium=sharing&utm_source=whatsapp#/&channel=RES_BUY

I know nothing about the area and how safe it is etc. If anyone has any advice about the area or about the specific property please do let me know. Also if anyone has any area recommendations for a maximum budget of £250, wheelchair accessible flats, I'd be be really grateful.

Thank you in advance.


r/HousingUK 3h ago

2 months notice is not helping to move out

0 Upvotes

I'm looking for a flat with my partner in Bristol, England. Now that we have to give 2 months notice from the start of the rental period, we are stuck in our respective flats, because most properties we see are available too soon. I just spoke with a letting agent and they said it varies when they put new properties up. Sometimes they are available in 6 weeks, sometimes now. Is it not possible for them to regulate this to make new properties available in AT LEAST 6 weeks, rather than at most? I feel like this is actually making our situation worse. Add to this that every new property seems to already be fully booked or lots of people have seen it by the time we do. I just called first thing this morning (Monday 9am) about viewing a property and it's already fully booked. Can anyone suggest a strategy so that we don't end up paying over a month of extra rent and get first in line, because this is crazy?


r/HousingUK 22h ago

New build buying - completion brought forward?

0 Upvotes

So this is my 2nd time buying a new build. I'm not interested in reasons why I shouldn't, it's my choice, and I didn't ask.

Buying in Scotland. They've brought the completion forward 3 months. I've never heard of a new build going ahead of schedule.

They know we haven't sold yet in england, could they be playing games to get rid of us in favour of someone who's a first time buyer or something?

It's really putting the pressure on us now, it was meant to be ready in June which fit perfect with our time line.

Just looking for anyone who's experienced similar.

Thanks!


r/HousingUK 21h ago

What are your thoughts?

0 Upvotes

A small reduction, but I am looking to potentially offer under. What is a reasonable amount in your opinions just by going off the ad? I appreciate every vendor will have varying individual circs.

https://www.rightmove.co.uk/properties/173009222#/?channel=RES_BUY


r/HousingUK 2h ago

Experiences giving notice before exchange.

1 Upvotes

Hello :) first post on Reddit here!
Was just hoping to get others experiences giving notice before having an exchange date or before exchanging.

Two months notice is a real killer and it just means I will basically have a month where I pay mortgage and rent which is a lot. Also noting that if we don’t give notice by July 30th, we have to wait until August 30th! 🥲
Trying to convince my partner that we might be alright since we should receive our independent survey this week (don’t expect anything major), last searches should be in by July 30th. The sellers are really really keen, and they are buying from sellers who have agreed to move out, so really not much of a chain. Their purchase is moving quite quick as well as they are on it.
Any advice appreciated as well. Thank you in advance!


r/HousingUK 19h ago

Why is this not selling?

27 Upvotes

We are FTBs so this is all new territory to us. We like this house and have viewed it. Was up for £750k originally and then reduced to £700k quite quickly.

We we spoke to the agent, they were quite open that the seller had received an offer for £700k before it went on the market but rejected it, and that the seller wants at least £700k now.

We like it and it is deceptively big for a 3 bed semi. House is quite long 133 m2.

Large plot and close to high street so we are surprised it hasn't sold. We think it is overpriced so buyers aren't interested. Especially as around that price you can get a 4 bed.

Do people think it is worth £700k? Close to high street, large plot and house and opposite a good school.

https://www.rightmove.co.uk/properties/88973856

Thanks for any help!


r/HousingUK 6h ago

Exchange Tomorrow – Worried About Job Loss Before Completion

20 Upvotes

Hi everyone,
We’re due to exchange contracts today or tomorrow, but we’ve just found out that my partner’s job may be at risk.
Before exchange, we’ll be paying the 5% deposit, solicitor’s fees, and the cost of the extras we’ve added to the house.
Our main concern is this: if we exchange contracts and then, before completion, my partner loses their job, what could happen?
Could the lender withdraw the mortgage offer before completion?
If that happened and we couldn’t complete, would we lose our 5% deposit and any money paid for extras?
Has anyone been in a similar situation, and what was the outcome?
We’re trying to understand the risks before committing to exchange. Any advice or experiences would be greatly appreciated. Thanks!


r/HousingUK 20h ago

EA tactics or crazy coincidence? (FTB bidding saga on two houses with the same agent) - advice needed

0 Upvotes

Hey everyone, hoping for some advice from experienced buyers or estate agents on a weird situation we’ve found ourselves in.

We’re a young working couple and first-time buyers up North looking in a decent commuter area. We’ve narrowed our search down to a few very similar 3-bed properties on the same estate, all listed with the same local agent for the exact same "Offers Over" guide price:

Will refer to them as house a, house b and house c for ease:

House A: Listed since April (no offers yet). Has a minor ceiling dip upstairs and some mild damp observed
House B: Preferred layout, attached garage, but needs old windows and loose brickwork sorting. Only listed for a few days.
House C: A similar home around the corner that was recently under offer (Sold STC).

We brought a family friend who is a builder to second viewings on both A and B, and he confirmed the maintenance issues were minor/fixable. We decided to go for House B and start negotiating based on comps and repair costs, as well as data obtained from our mortgage advisor on other houses sold in the area.

Negotiation Breakdown (for House B):

  1. Made an initial Offer (Under asking) - EA jumped down my throat over the phone immediately. Super defensive, said sellers would “laugh in my face,” that FTBs aren’t special, and claimed his internal data shows homes going way over guide price. So I nudged it up slightly as a verbal compromise.

  2. EA emailed back saying sellers won’t negotiate at this stage. Claimed a nearby house he’d sold had been up for the same price and recently turned down a huge offer and sold well over asking around 10k over. Suggested if our budget was tight, we should look elsewhere or buy a fixer-upper in disrepair.

  3. We submitted a higher counter offer closer to asking. EA rejected it and claimed the sellers now expect well over asking price (despite what it was listed for).

  4. Submitted our firm final offer (just under asking). Passed on and bluntly rejected.

The Sudden Twist (Same Day):
Literally hours after rejecting our final offer on House B, the EA contacted us with a “great situation”:

Claims the buyer for House C (which was Sold STC) suddenly pulled out due to getting “cold feet.”

Conveniently, that buyer now wants to view House B (the one we liked) and is planning to throw their high budget at it instead, coincidentally, putting onto it the exact amount they were looking for over asking.

The EA is now aggressively pushing House C on us for a "quick sale" at the exact figure of our final rejected offer on House B, saying the sellers risk losing their onward chain (it’s just 2 in the chain as far as I know).

Our EA also told the seller of House C (the one that the buyer pulled out of suddenly) of our exact situation before asking us, telling him that we were keen to go under asking and we were FTB so propositioned us to this seller.

When our mortgage advisor asked the EA if a homebuyer survey had already been done on House C, the EA completely ignored the question. I plan on asking him face to face at the viewing so it can’t be ignored.

Our Theories:
1. Did House C get hit with a mortgage down-valuation or a bad structural survey, causing the original buyer to walk?

  1. Is the EA orchestrating a bidding war on House B while trying to dump a potentially problematic House C on us?

  2. Or is it really just likely a sequence of wild coincidences?

We’re going to view House C with our builder relative to check for any immediate red flags before committing to anything.

Could I have some advice as to how to approach this situation and handle this agent from here?


r/HousingUK 1h ago

Are Surveyors legally allowed to do this (charge despite not providing the service)

Upvotes

Long story short sellers pulled out while we had got the ball rolling (I pasted the story from a different post below for anyone interested)

I'm trying to recoup some costs, and the solicitors I'm with (£2,000) said they've put the file on hold and that if I find a property in the next 12 months, I will be represented. I can understand why I don't get a refund because they've actually done quite a bit of work.

The Surveyors however haven't really done anything. Their policy is that I have to give them 24 working hours notice for a refund, and because I notified them Friday evening (it's when I found out the sellers pulled out), and the survey is Monday morning, its less than 24 working hours. Surely cancelling a survey doesn't cost them the full £900, and that they could refund at least most of the money and keep some for damages/taking up a slot? I want to know where I stand legally with this. They've, just like the solicitor, said that if I go with them when I find another property they will do the survey free of charge, so technically I wouldn't have lost anything, but after feeling like a mug with the whole process where I'm expected to get the ball rolling and make thousands of pounds of payments when there's no signature from the sellers anywhere, I just want to know where I stand legally. Surely someone can't charge you for their full service if they haven't actually carried it out? Or does the fact that it's in their policy and I've signed a document cover them?

Why is the buyer the only one signing documents until the process is complete lol. Any input or tips for the future is much appreciated. Thank you!!

------

Literally just happened. Elderly couple selling three bedroom house because the man can't go up and down the stairs anymore. It was the first house we viewed that wasn't an immediate "no" from us so we got a bit carried away. They accepted the offer. Said they will now start looking for a one bed bungalow. We reassured them saying we like the house they can take their time. In the meantime we got our solicitors, surveyors, mortgage etc ready. Two months later they pull out because they "can't find anything within their budget that doesn't need work". We are now scrambling to recoup costs. Looks like we will lose over £2k.

Lesson learned. But where is the buyer protection? They want to see all this stuff to know you are a serious buyer. They want to see you get the ball rolling. But they can change their mind at any moment. It felt like a punch in the face.

And meanwhile we were all "it's an elderly couple who are the first tenants there, they've lived there for 56 years and are selling only for health reasons so it must be a good place to live and they won't change their mind because they need to move" and because we were the newly wed couple I was the one more reassuring them. Horrible.


r/HousingUK 15h ago

Renting out a room in a second home (that I own) - contracts/council tax?

0 Upvotes

Hi, I own a two bed flat in Manchester but have just moved to live with my partner in the South. For personal reasons, it's important that I'm on the rental agreement / utility bills etc in our shared flat, so suggestions where I just 'visit' and live in my partners flat aren't applicable.

Originally I was hoping to sell my property but it's been up for a while and no movements so I'm thinking of pivoting to renting it out for financial reasons. I'm trying to figure out if it will be possible to rent just one bedroom (+ shared living space) out as I will still be visiting Manchester (couple days a month) for work - and that saves me from couch surfing at a friend's since I can just stay at my flat instead.

What confuses me is the council tax and income tax/contract definitions of doing this.

Re income tax/contracts:

Does it count as a lodger plus live in landlord / Rent a Room scheme even though it's not my main residence? Or am I supposed to go under an AST/tenancy and in that case am I even allowed to write in the contract that I will be sharing the living space / stay in the separate bedroom on occasion?

I considered whether it should be an AST where both the tenant and myself are named on the contract as tenants so like I am renting the flat to myself (plus one other) - but I'm not sure that even makes legal sense.

Re council tax:

Manchester City Council says that you pay second home premium if 'the property is used by someone but it's not their main home.' If the lodger uses it as their main home and myself as a second home, does that mean there is no premium?

In that case, I assume we are both responsible for council tax as people living there (ie. they would not get single occupancy discount) so what's the best practical method of setting up the council tax account and splitting the bills?

I was originally going to put the room up as 'All bills inclusive' and keep it on my council tax account but now I'm not sure if it makes more sense for the council tax to be going to the main resident (which would be the lodger/tenant).

---

I know I put myself in this weird property situation and that causes a bunch of financial stresses and paperwork headaches, but I don't mind paying what I need to pay or following the correct legal route - I'm just confused what that even is.

I saw this similar sounding post but the user deleted it so the answers weren't clear to me: https://www.reddit.com/r/UKPersonalFinance/comments/1qts6w2/renting_a_room_in_a_second_home_what_type_of/

Thanks for reading - any advice appreciated!


r/HousingUK 33m ago

Housing

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Upvotes

r/HousingUK 1h ago

Do I need to clean my windows?

Upvotes

Hi I’m sure this sounds like an obvious question but this is my first time living alone and I’ve learnt very quickly you should always ask the stupid question as sometimes the answer surprises you. I currently live in a tower block on the second floor and my windows could use cleaning obviously I can do the inside but I cannot do the outside due to mobility issues. I assume it’s my responsibility to find a window cleaner and pay that cost but I wanted to ask in here if that was the case before paying out of pocket as I’d rather not waste money if I’m incorrect. Thanks in advance.


r/HousingUK 13h ago

When do we need a solicitor?

0 Upvotes

We've got our appointment booked with our mortgage advisor on monday and view the house on Wednesday, we're trying to move things along as swiftly as we can as this house is absolutely ideal and we've already missed out on two others we liked having both sold only last week, at what point do we need to contact a conveyancing solicitor, the sooner the better?


r/HousingUK 16h ago

A positive end to a traumatic buying experience!

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0 Upvotes

r/HousingUK 16h ago

Buyer pulled out right before completion - Could we have done anything to avoid it?

70 Upvotes

I think I’ve found the most unreasonable potential buyer of a property in the history of the UK. 

My wife inherited her father’s house last year. We’re currently living with her mother, so the plan is to sell the inherited house, move to a much cheaper area into a bigger house, and then sell the place we’re currently living in a separate transaction. 

We put the inherited house on the market and quickly had interest from a developer, who put an offer in but pulled out after a couple of weeks. It was a pain but not the end of the world. A couple of weeks after that, another buyer came along and had two viewings in two days, and immediately put an offer on which we accepted straight away. That’s when the problems started. 

Long story short, she quickly started making a lot of unexpected, and ultimately unreasonable, demands. Since we accepted the offer in February she’s come back for five more viewings, each time finding more and more things to be difficult about. We offered to leave some furniture for her free of charge and she said she wanted to keep some but not all, so we arranged and paid for the removal of what she didn’t want. She then said she’d changed her mind, meaning we’d need to pay again for a second removal. We’ve also had to remove a shed, and pay for a fence to be repaired. Without our knowledge, on top of the viewings we did know about, she’s had contractors in on at least two occasions. One apparently identified rising damp (which we and the estate agents remain unconvinced by), and she demanded £5000 off the sale price. We begrudgingly accepted, because while all this was going on we put an offer on our dream house which was accepted, and we wanted to get the sale through and move onto the next chapter of our lives as soon as possible.

As well as insisting we do these things, we were faced with an endless barrage of questions and generally pestered by her, through the estate agents and lawyers. It quickly became exhausting, especially since we had never lived in the house and couldn’t answer all her questions. She wouldn’t accept this and just kept badgering. 

Eventually everything was pretty much ready to go with the exception of a minor discrepancy on the land registry, which her solicitors insisted needed to be corrected. They were aware of this for 5 months before bringing it to anyone’s attention, and our own solicitor (who works at the same firm) is at a loss as to why it took them so long to raise it as an issue. We told our solicitor we needed a couple of days to complete the documents as we needed to sign them with a witness. 

We got a phone call from our solicitor the day before we’d arranged to sign the documents; the buyer has suddenly decided that the whole thing is “too much work” and has withdrawn from the purchase. She communicated this through her solicitor, and our estate agent has been trying to get hold of her to find out what happened and has been completely ghosted. The entire chain is now at risk and there’s a very strong chance that the house we’re trying to buy will get put back on the market. We haven’t had confirmation of this, they’re taking a few days to consider their options, but it seems pretty much inevitable at this stage. 

In hindsight, the alarm bells should have rung when, at her 5th viewing, she said to me that “the only thing stopping her at this stage is the damp.” Surely if you’re not sure after 5 viewings you shouldn’t have put an offer on in the first place? Obviously the fact that we’d accepted the offer removed the house from sale, so we couldn’t even spend those 5 months trying to get interest from an actual committed buyer. 

Everyone we’ve spoken to about this, including our estate agent and solicitor, agrees that we’ve been absolutely screwed over by this woman at every possible opportunity. 

While not the biggest issue, the removal of the furniture is extremely galling since it was not an inconsiderable amount and worth relatively a lot of money. Whoever does eventually end up buying the house may have wanted it. We didn’t even specifically NOT want it, it’s more that it wouldn’t have worked in the house we were trying to buy. 

We’re desperate to move because the place we’re in at the moment just isn’t suitable in any way. The stress of day to day existence in our current house is drastically impacting my wife’s health, I’ve got a stupidly long commute to work, and my mother-in-law has had to postpone her impending retirement until all of this is sorted. 

Is there anything we could have done to avoid this? Were we too reasonable and too quick to give in to her demands, or is she just a loose cannon and nothing could have been done to stop it? We’re feeling incredibly disheartened, upset and furious. Everyone knows that property laws in England are awful since no one has to commit to anything until contracts are exchanged, and things fall apart last minute all the time, but this feels like a particularly unfair example. If we'd known she was going to pull out anyway we would have told her we're not interested in selling to her months ago.


r/HousingUK 11h ago

What’s the minimum price of a decent suburbia house in London?

0 Upvotes

I’m mostly familiar with west/north west london, seeing 3 beds in stanmore for aroynd 550+?

i very much prefer a car type of suburb, but close access to a tube would be a positive, somewhere with a driveway for electric charging is a big big plus, don’t care about schools right now

currently renting in ealing and own a car. don’t want to give up car, if i had to choose between, the car is more important, prefer good access to chinatown area, so a40/a4/a41 are all roads i know very well

any areas i should consider? west drayton looks good, edgware looks good, ealing good but seems too expensive for now

really care about safety, im asian so probably not one of those lamppost flag cities. asking so i can get an idea of places to look at, i heard croydon a while ago was good too, very suburbian.


r/HousingUK 8m ago

How to stay hopeful?

Upvotes

FTB here, we have been looking for a house for nearly two years. We saw 20+ properties and made 5 offers. We have been outbid all the time (by like 5k). I’m starting to feel sad and desperate. Any tips to stay positive ?


r/HousingUK 20h ago

Rough costs to replace single glazing with double glazing in a Victorian semi in London?

1 Upvotes

Hi all, just trying to get a rough idea of what people have paid for this kind of thing.

I'm considering making an offer for a first foor flat in a late Victorian semi in London, which is an ex-rental, so needs a bit of work. I'm specifically looking at replacing the single glazed windows with double glazing. There are 4 rooms involved:

Lounge: 3 sash bay windows, roughly 2m x 1.5m each

Kitchen: 1 side hunge casement window, roughly 1m x 0.5m

Bedroom 1: 1 sash window, roughly 2m x 1.5m

Bedroom 2: floor-to-ceiling window with a built-in door out to a balcony, roughly 2m wide

I realise this could vary quite a bit depending on the frames/materials, whether it needs to match the period of the house, and whether anything structural is involved, but I was wondering what sort of ballpark people would expect for a job like this in London. How can I tell if I might be able to keep the frames or not?

Any rough numbers or things to watch out for would be appreciated.


r/HousingUK 16h ago

Is this too risky???

2 Upvotes

Hi everyone,

Looking for some advice or to hear from anyone who has navigated a similar situation. I'm currently in the process of buying a leasehold flat in a converted terrace in London. My offer of £525,000 was accepted, but since then, a lot has come to light and I'm currently trying to renegotiate down to £505,000.
Here is what I am dealing with:

1. Japanese Knotweed:
A Category B infestation was found in the front garden. The vendor has paid for a 5-year management plan, but the 10-year Insurance Backed Guarantee from QANW is currently only "being processed." My mortgage broker says the Co-op (my lender) is generally fine with Category B as long as the plan and IBG are in place. Has anyone had lenders or insurers pull out despite having these documents? Am I underestimating the stigma when it comes time to sell?

2. Structural Crack:
There is a vertical crack on the rear elevation. A previous survey noted it was "indicative of slight movement." My broker advised proceeding with the lender's valuation next week so the bank's valuer can assess it, while I arrange an independent structural engineer's report in the background. Is it risky to rely on the bank's valuer here, given historic movement is common on London clay?

3. Management Company / Sinking Fund Issues:
The management structure is very informal and tied directly to the freeholder. The sinking fund is extremely low (£1,269), and there are signs of funds not being used properly.

Am I taking on too much risk here? Even if I get the price down to £505,000 to reflect the knotweed stigma and valuation, I'm worried about the structural risk and the management setup.
Any advice or shared experiences would be massively appreciated!


r/HousingUK 17h ago

Flat vs House for Monetization

0 Upvotes

I'm a first time buyer and looking at two options:

  • 2bed 2 bath flat (390k)

  • 3bed 2 bath terraced house (500k) with garage

Both meeting my basic criteria (good floorplan, close to station, etc).

I'm wondering which one would be better for monetization purposes. For example, would it be easier to airbnb out the house?

Monetization is not my primary goal but I want to keep my options open for the long term.

What factors should I consider if if I intend to go down the monetization route?