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Original poster

How to disown a property?

87 replies

Eatcabbage · 21/01/2021 09:54

Due to ongoing problems with a neighbour that are making things unbearable, in order to be free of this and move on with my life, I need to disown my house.
Please could I have some advice on how to do this.
There is a mortgage on the property still, of about 1/4 of its value.
The neighbour has made it impossible for the house to be sold.
I do not want to pass on the house and the associated problems to anyone I know, it would not be fair on them.
Due to the mortgage, which I cannot afford to pay off, I don’t believe that I can gift the house to anyone, for example a charity, or a family in need.
If I default on the mortgage, I believe that the house may be repossessed by the provider, but I assume there would be other consequences.
I would be grateful for any advice.

OP posts:
justanotherneighinparadise · 21/01/2021 20:44

I agree. The house is saleable.

RandomMess · 21/01/2021 20:44

I hope you find a way through this. Either renting it out or better still to a developer or we buy any house.

Thanks
MrsRockAndRoll · 21/01/2021 20:49

OP that sounds awful. But don't let her win.sell the house at a minimum for the outstanding mortgage

InsufferableLKIA · 21/01/2021 20:53

There are plenty of buy-to-let landlords who would be happy to purchase it from you, I’d imagine.

There’s no point in her hassling tenants about a boundary, and most seasoned landlords are pretty hardened to that kind of crap and will be quite content to ignore her. Declare upfront, so it’s bought by someone who knows what they’re getting into, but fgs, don’t do yourself out of your savings over this. You will look back in twenty years and regret it!

ChateauMargaux · 21/01/2021 20:59

I am so sorry you have been put through this. Find someone to help you. Don't leave yourself with a mortgage default when you can clearly afford to pay the mortgage. Don't make you and your son homeless and loose out on all the money you have paid into the house. Hold on dear lady, get out with some of your investment intact, start somewhere new....

Blacktothepink · 21/01/2021 21:01

Can you sell it to a housing association? A friend done this when they emigrated.

Bluntness100 · 21/01/2021 21:03

Op I get you’re struggling but don’t be giving your house away that’s ludicrous. If it’s just you and your son you need the money

Sell it to we buy any house or send it to auction. Or rent it out and use the money you get to rent someplace else.

Camphillgirl · 21/01/2021 21:03

Rent out the house at a rent that slightly exceeds your outgoings on it. People will be falling over themselves to rent a low rental property.

One day you may sell it at the market value, and the income you receive now would help your financial situation if you decided to rent another home for yourself and your son.

Don’t reply to anything her solicitor sends you. She will be paying her solicitor for every hour they spend on her issues. If she doesn’t pay them they will stop acting for her. If she does pay them, consider it to be her money down the drain. A costly hobby.

Blimeyoreilly2020 · 21/01/2021 21:03

Has anyone suggested auction yet?...investigate that as an option op if it’s poss.

wibblewombat · 21/01/2021 21:07

I'd go auction. I used to do house viewings & a lot of property developers are as hard as nails. 28 days from fall of gavel, you're free.

DianaT1969 · 21/01/2021 21:10

How do you feel now OP about selling it through some of the suggestions here? A bit stronger? Please don't make any rash decided to walk away with nothing. There's absolutely no need. That's your depression or anxiety speaking.
Do you have a friend or family member who would take on the admin burden for you?
Try to fortify your reserves. Channel someone famous who is kickass. Think what would Jason Statham or Bruce Willis do? What would the Godfather do? 😄

TheDuchessOfBeddington · 21/01/2021 21:13

@Ideasplease322

Rent it out. At market rates. To students.

They don’t care about boundary disputes or nasty neighbours. They also throw loud parties and are hell to live beside

Love this idea!
Knitwit99 · 21/01/2021 21:14

Sell at auction. A women's aid charity is not going to want to house vulnerable women next door to a crazy neighbour. You can give them the sale price if you feel that strongly about it.

Joeblack066 · 21/01/2021 21:16

Most of the We buy any house type places will pay about 75% of value and will go on surveys etc and won’t care about your neighbour. Give one a ring and you could be out in a couple of months with cash in the bank to start again. Good luck!

Heybeendyingtomeetyou · 21/01/2021 21:27

@AppleStars @pooopypants
Iirc the op of that puddle post also wrote the alphabet street one but forgot to name change so replied under the wrong name. It turned out it wasn’t real.

@Eatcabbage
Flowers so sorry you have had to deal with such an awful neighbour. I hope you manage to sell and walk away with some money.

Lurkingforawhile · 21/01/2021 21:32

This does sound horrific. I can't believe she got her solicitor to write to the EAs. I would be making a complaint to the SRA (but completely understand you just want out now). Good luck, it's sounds like the we buy any house option is a good one. Hadn't heard of that before. I'm sorry you've had such an awful time.

CorianderBee · 21/01/2021 21:43

Offer to sell it to the council cheap? I don't know if they do this but worth a shot?

toocold54 · 21/01/2021 21:50

Rent it out privately or via the council?

I’d definitely do this if you are able to.
Do not let anyone force you to sell something.

Rent it out and rent a caravan or small cheap place and use the rent you receive to help pay off the mortgage.

Try and get a family with teens and newborns in there to wind up the neighbour a bit too Grin

You can rent privately or through the council. With the council you get less money but they handle everything which might be better for you!

Ilikewinter · 21/01/2021 21:54

I totally understand why you need to move, we moved because of the neighbours and used a company called quick move now. Honestly everything was so easy, they give you an inital 'possible' price then send round a local estate agent and a surveyor (we also had signs of damp and that wasnt an issue), they then offer you a lower price (as expected!), but this was fixed, they didnt try and offer us a lower price before exchange - ive heard this can happen.
Good luck OP but you do have options, please dont just walk away

Original poster
Eatcabbage · 21/01/2021 21:58

I don’t think renting it out would help much. I wouldn’t have to see her everyday, but I’m sure she would still be contacting me all the time. I need to move away and try and prevent her from being able to find where I’ve gone.

OP posts:
Bluntness100 · 21/01/2021 22:03

@Eatcabbage

I don’t think renting it out would help much. I wouldn’t have to see her everyday, but I’m sure she would still be contacting me all the time. I need to move away and try and prevent her from being able to find where I’ve gone.
Of course it can help. You just put an agent in to manage it, and block her number.
1starwars2 · 21/01/2021 22:05

You need to find a way out that doesn't mean you lose your house. Someone will buy it if the price is right.
Auction?

maggiemuff · 21/01/2021 22:25

Sell the house and move away, why make yourself miserable! Just sell it! If your mortgage is a quarter of the value you will sell it and clear the mortgage and have some left over. Look at my previous post. Either sell or give the house up

Bluntness100 · 21/01/2021 22:27

Exactly there are lots of options.

We have rented out properties, the agents dealt with all issues. There is no reason for the neighbour to know where you live or be able to get through, you can block her number, the tenants won’t even know.

Or you can sell it to we buy any house.

Send it to auction.

There is no reason at all to continue to live there, or to give it away.

WWOTW · 21/01/2021 22:49

I would either find the most hideous people to rent it out to or sell to cheap. I loved the idea by another poster of a men’s prison release charity. Or it could be a half way house. You could even just let homeless people live there if you’re prepared to just walk away. But if I were you I’d at least get the mortgage paid off and some extra cash in my pocket for it. What a nasty person you live next door to.

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