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Ask the experts: homebuying

Muddled about mortgages? Concerned about conveyancing? Your questions answered

  • Bungalows in a suburban UK neighbourhood in spring

    I plan to sell my rented-out property to buy a dream home. Will I have to pay capital gains tax?

    I lived in the £330,000 house before moving in with my partner but may accept £310,000 for quick sale
  • Estate agent’s for sale sign in Edinburgh

    I want to buy my disabled mum a home in Scotland, but I can’t afford the property tax

    She can’t get a mortgage, but if I take one out the property will be classed as a second home
  • a couple hold hands with wedding rings pictured

    Can we save £15,000 stamp duty on our home purchase if we get married sooner?

    We both own homes and I have been told being unmarried will leave me liable to extra tax
  • To let boards outside homes in Hulme, Manchester

    We are moving cities – should we get a mortgage if we rent out our home?

    Our monthly rental income after tax would not be enough to cover the cost in our new location fully
  • Cyclists near properties in the Netherlands

    Will I have to pay inheritance tax twice on a Netherlands property?

    I wonder if bringing proceeds from sale of parents’ home to UK for a deposit means I have to pay again
  • Aga range cooker

    I thought my house purchase included a range cooker, but the seller says it doesn’t

    The seller’s estate agent told me otherwise, and I feel cheated because of the miscommunication
  • Houses in Thamesmead, London.

    Should my bonus go on overpaying the mortgage or into a high-interest savings account?

    Fixed-rate part of deal ends in August and I’m worried about interest rate rises
  • Residential properties near Aylesbury

    Should I use my lifetime Isa to buy a house to rent out or wait until I leave the forces?

    Once I have left I intend to make a purchase with my girlfriend but need advice as a first-time buyer
  • a couple look through an estate agent window

    Should we take a two-year fixed mortgage or a cheaper five-year deal?

    We feel very squeezed as our mortgage is heading for a big jump in November but we can’t work out which deal to take
  • Mortgage Interest Rate And Percentage Balance Concept

    We have £10,000 left after a house move – should we save it or overpay the mortgage?

    I think overpaying our loan won’t affect our monthly repayment as we’re on a two-year tracker
  • Olympos village on Karpathos, Greece

    We’ve bought a house in Greece – will we pay tax if we sell our UK home?

    Owning the two properties is part of our transition into retirement
  • to let signs

    Should we add our children’s names to our buy-to-let mortgage?

    The sentiment is positive but adding names may lumber your offspring with debt, mortgage and tax issues
  • Divorce house settlement

    My ex-husband is buying me out of our former home – do I need to pay tax?

    We have told the lender, but I’m wondering whether there will be any tax implications such as CGT
  • Person opening front door

    We bought a house with my parents – can we get a mortgage to buy their share?

    We’ve been told that no one would lend to us if they were still living in the property and fear we’re stuck
  • Front door to a house with a hanging basket containing flowers

    My five-year fixed-rate mortgage deal is ending. What should I do next?

    I have £40,000 in savings and I can’t decide whether to pay it into my high mortgage or put it in a pension
  • Two cats on a fence

    We found a boundary problem after buying our house. Can we challenge it?

    Neighbours replaced fence before we moved in and said previous owner of our home was OK with it
  • Different colour houses on a street in England

    I have a joint mortgage and want to pay up early. What are the implications?

    I have recently inherited money and would like to pay off my share on the flat I own with a friend to avoid soaring interest rates
  • a purple-blue for sale sign on a terraced street

    As a UK property seller living abroad am I liable for ‘sneaky stealth taxes’ such as CGT?

    I lived abroad for 20 years but will return this tax year to sell my sole UK home
  • A row of terrace houses in Windsor, Berkshire

    Should we sell inherited house and staircase our shared-ownership flat to 100%?

    Half the profit in former family home, now rented out, would raise enough to buy our home outright but not leave much of a nest egg
  • Houses in a Hertfordshire street

    Should I overpay my mortgage monthly or with a lump sum at the end of each year?

    I have a five-year fixed-rate deal, just missed the rising interest rates and want to plan for an uncertain future
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