Ask the experts: homebuying
Muddled about mortgages? Concerned about conveyancing? Email your homebuying and borrowing worries to Virginia Wallis at
virginia.wallis.freelance@
theguardian.com
theguardian.com
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My partner and I already own homes, but want to purchase another to help our children later on
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We are very concerned to find out whether the builders factored the neighbour’s trees into their work
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Help to Buy prevents borrowers from renting out their properties, so I want to increase my mortgage to pay off the loan
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As an unmarried couple we want to protect our monies, but my partner is worried that if I pay for repairs her share will fall
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Also, will I be able to get a mortgage after my individual voluntary arrangement ends? I don’t have a deposit though
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They have recommended an insurance policy that costs more than we can afford
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We are awaiting a full mining report and have had a structural survey, but know we risk insurance being far higher
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We need to remortgage in a few months and wonder if it’s best to lower the amount we need to borrow
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She is concerned that if she pre-deceases me and I remarry, our children may not inherit our house
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I own a property but my husband does not, so if we got a divorce and he bought the property we think we could save thousands
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I’m not sure whether lenders will allow me a buy-to-let mortgage as a first-time buyer and a student
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My partner’s CGT liabilities from selling his rented property plus divorce-related debt may leave us little for a new place – have I got the numbers right?
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My girlfriend and I want to move to the continent and wonder if we need to get a buy-to-let deal when remortgaging
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My boyfriend and I are both responsible for the mortgage and upkeep of the property, but keep arguing over what our shares are
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Two solicitors say I should pay an extra 3%, which amounts to £7,690 more, because I own properties to let – are they right?
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My wife and I are unsure whether our pensions would have to be used to cover care home costs
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It has been rented out for a few years and I’m not sure if I should move back in to reduce my tax bill
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I want to be sure my family will get my share, while he has the choice to continue living in our home
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We’re not sure we can afford the new-build property with a normal mortgage
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I’m hoping I don’t need to pay capital gains tax as I am using the ‘gain’ to help me move from one main residence to another
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My partner and I have signed the mortgage offer on a two-bed flat, but have yet to tell the lender our rental plans
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My partner and I are thinking of putting a buy-to-let property in just one of our names to avoid the higher rate of tax
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I won’t be able to buy out her share so we would have to sell up
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I’m also wondering whether my ex-wife would have had to pay CGT when she sold her share of the property to me after our divorce
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Can he sell his share or force a sale of the property?
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My house is registered at the Land Registry in my name only. I married my partner in July – now he wants a divorce and I’m worried I’ll lose half the house
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She will contribute to the deposit and monthly mortgage payments, but I will be the sole owner
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Will I be liable, as a home owner and landlord, for a charge if I buy another property before selling the one I live in?
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She altered it from joint tenancy to tenants in common – is she allowed to do this?
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My share is 60% so I feel the income should be split 60/40. But my friend wants to divide it in a different way
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Pulling out of the deal may not be the best option given that you’d lose deposit and money spent on survey and solicitors
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He moved out after getting married and hasn’t paid a penny towards it for eight years so what would be a fair way of calculating his share?
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I hope to buy a property outright on the shared-ownership scheme, and rent it out for a few years until I am ready to move in
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My friend advises me to register an interest in the money I’m giving him, but the solicitor doesn’t seem keen
Do we need a credit check to find out whether we can remortgage?