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MORTGAGE JUGGLING - buy to let and own
Hi, I'm a 29 year old, recently married professional. I have a flat which I bought from my parents estate when they divorced and a house of my own. I currently have £20k left on the mortgage which is a 4% standard rate with RBS and only 5 years left on the mortgage. I also have my own property, bought with my husband. The…
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How to find out crime rates?
My sister is looking at renting a flat with her bf and has found a really nice looking maisonette above the shops on the main high street in her town. Before she decides though, we'd like to find out about crime in the area. We know the area quite well, there are 2 pubs within a stones throw and a late-night tesco, so it…
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landlord keeping bond - NOT PROTECTED!
after evicting us for rent arrears (fair enough) our landlord is now refusing to give us our bond back due to damages but i think he is being unreasonable. we owe him about 1600 but are on a very low income so can only pay it back very slowly. i offered to give him the bond straight back to pay off a large chunk of the…
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Moral dilemma-shall i give notice to my tenant who is in hospital?
Hi, My partner and I have a flat which is rented out to a couple (originally to a single guy but than he got a girlfriend and moved in with him). He rented it out in October and was always late with the rent but paid within 10 days of due date. I contacted him every month, he came up with different excuses. Anyway, I told…
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Urgent buying/selling advice
Hello I am new to forum and am looking for helpful advice that anyone can give. I have a four bedroom house with a mortgage balance of about 128,000. I need to downsize (redundancy) and am looking at buying a new build two bed two bathroom flat for about 100,000 (just myself, hubby and teenage son). I am hoping to sell my…
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Mortgage company lost my deeds!!!
Hi all, looking for a bit of advice and direction: The mortgage company have lost my title deeds :mad: My house is currently nearing competion on the sale, and we have been given the run around for 3weeks by by them on where the title deeds were. Stressfully, the buyers have said that they will pull out of the sale if it…
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Best way or receiving rent from lodger
What's the 'best' (i.e. safest, assured, foolproof etc.) way of receiving rent by a lodger in ones own home? Cash - lodger may not even pay up, or may be late with payments. :o Direct debit or Standing order - and accounts/records are 'linked', which could cause all sorts of problems if the lodger has a poor credit…
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Tracking previous asking prices
Sorry if this is a numpty question. I'm going to view a property this evening with my son who is FTB . I'm just moral support and an extra pair of eyes! Now I know for a fact that this property has been on the market for ages and ages but Property Bee only has a very recent history so I assume it has been taken off the…
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Private Road Development
Hi, Hopefully some kind people on here may be able to offer some advice on my situation. I'm a potential 'garden grabber'. Regardless of the change in classification of gardens from brown to green field that's still not my major concern. The plan is to build a bungalow in the back garden. The access to the bugalow would be…
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Seeking Possesion Notice Advice PLS.
Hi All. I was wondering if anyone knowledgeable could advise me regarding a Seeking Possession Notice i have received from the council? Two weeks ago i came home from work to find a seeking possession notice hand delivered pushed thru my letterbox from the Council. Apparently a resident who lives in the same block as i do…
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Extra Security
Hi all, I've just rented one of my BTLs to a new tenant and she is asking for 'additional security' on the front door in the form of an additional lock or a chain. The door is a brand new uPVC door which I had fitted a week ago, the day before she moved in. It has the usual sort of lock you expect from uPVC (5-point?). Am…
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Being held to end of tenancy
Hi, My niece is at university and rents a property along with 2 other girls. They are all nice and keep the property clean and haven't caused any problems with their landlord who is a large letting company covering Stirling and Glasgow. The bedroom that my niece sleeps in has been consistently damp since they moved in last…
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shared ownership question
we bought a shared ownership house 5 years ago,we pay rent and mortgage but me and partner split this year and I no longer live in the property but my partner still does,the house is on the market as we want to sell it asap but with no luck yet,I just wondered if he moved out of the property do we still need to pay rent…
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Leaving Joint Tenancy?
Hey, Just hoping for some advice. My friend and I are both listed on a Short Assured Tenancy from 1st February for 6 months. Our tenancy is up on 1st August when I am hoping to move out (depending on job offer, hoping they will let me know within next few days to be able to get my notice in to leave the flat). However my…
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'friend' left flat and let me with rent
Incidentally, my flatmate has just this week completely screwed me over with our flat. She moved in in October after i kicked my ex out and signed a contract with me until september. she has just lost her job and so has moved back to b'ham to live with her parents and take on another, better paid i might add, job. However,…
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Insurance Renewal when selling house
I've got my buildings/contents insurance renewal up soon, and we have also accepted an offer on our house. When we sell, we'll probably be temporarily lodging with family, until we find somewhere else, so won't need insurance then. All being well we'll complete before the insurance renewal is due - in which case I can just…
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FTB - moving in day
Hi Apologies if this has already been covered (and if they are stupid questions), but I had a couple of questions re utilities when moving in to first house - we get the keys on Wednesday. I know our new house gets gas and electricity from British Gas - I have yet to decide whether to stick with them or switch. So, do I…
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Not sure where my deeds are - what do they look like?
Right, I feel really stupid (and worried), but I need to know what deeds look like. I own my house outright and was convinced I had the deeds. OH has just looked at all the paperwork and said I don't. I have never had any correspondence about a fee for holding them, so I assumed I had them (I am convinced I have seen them…
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Negative equity
I have a btl mortgage on an apartment that is the scourge of my life with anti social problems,damage etc,the property is worth less than the mortgage. I want rid of this place but do not know what the best option is. Any ideas would be appreciated
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Damage to floor prior to exchange
Hi All, Just a bit of advice please. We are due to exchange contracts in the next day or two. I've been aware for quite a while (as per other threads) that our boiler has been losing pressure, so we'd had to take up the laminate floor in one room to check under the floorboards. Laminate being laminate, it's not gone back…