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Landlord being made bankcrupt
Ok, long one. Myself, my partner, child and mother in law all lived together, 6 months ago she decided she needed her own space so she moved out into a property that she rents from agency. She kindly said we could stay here and just pay her the mortgage payment and the amount for bills every month. We are living here very…
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Will I automatically fail the council affordability check?
I'm on JSA and currently live with my mum but have applied for social housing. Can they do an affordability check based on my current benefits, without me failing because it doesn't cover/include housing costs? I know I could claim UC for the temporary increase but I don't want to until I have to (when I'm offered a…
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Nightmare Neighbour- what can I do??
I moved into a town centre flat a month ago in our quiet little area and I've already witnessed the police being called to sort out the neighbour below me 3 times. She hasn't been arrested but spoken to sternly each time. She's a nice enough person until she has a drink and then becomes a loud and abusive nightmare, most…
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Buying a house - extensive building work next door
We are in the process of buying a house in Surrey - a 4 bed detached, moving further out from London for more space & value for money. We had a drive-by the property over the weekend and discovered the neighbours are doing some very extensive building work - converting a bungalow into a 2-story house (i.e. a full roof…
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Land Registry - Complying with a Form M Restriction
To Whom It May Concern I am a freeholder of a plot of land. There is a neighbouring plot of land that is only accessible via a pedestrian right of way over my freehold land. The neighbour has just lost a planning permission application and we are anticipating that the neighbour will attempt to sell its land at auction. As…
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When to instruct solicitors...
Hi, Ultra n00b and probably stupid question here. We have had an offer accepted, and have an agreement in principle for the mortgage, and it's currently going through...whatever else it needs to go through with the survey happening tomorrow. We know the solicitors we are using and have had a quote and relevant paperwork…
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Risk with a Personal Search or Indemnity vs Local Search
Good Morning, I am trying to speed up our conveyancing process and it appears the local searches are the main drag. with the council now quoting to the new year due to the increased demand. My lender is looking to confirm they will accept a personal search or indemnity vs a local search. I am conscious that particularly…
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Buying a house - indemnity insurance policy
Hello everyone, My partner and I are in the process of buying an extended semi-detached house and we are quite far into the process (i.e., about to exchange contracts and the sellers are waiting for us). The issue however is that our survey returned a potential structural issue with the floor of the extension as well as…
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Homebuyers survey worth it?
We are looking to purchase a semi-detached 4 bed home that is only 14 years old. The current owners have built two extensions (one rear and the other on the side and consuming half the garage). The property is immaculately maintained and presented, from the interior all the way through to landscaped gardens. Due to the age…
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Which rug I had a little accident
Now need to buy her a new one out of these 2
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Chased by JB ...resulting from my property manager send invoice to a wrong address
I live in a Help to buy flat in Croydon since 2017 up until now. I own my flat. A few days ago I recieved a letter from JB leitch asking me to pay for overdue charges ( Ground Rent / Service Charge/ Insuracnces around £2500) plus their charge on top around £1100. So shocked,I was threathened by their words on taking me to…
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Damp in survey
Hi we are in a process of buying a ground floor maisonnette from 1930s and just received the results of our building survey. Amongst other things they mentioned evidence of damp in the lower part of the walls in living room bedroom and bathroom. They also said that because of this likely there is or will be rot or woodworm…
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Electrical safety - rented flat
I rent out the flat above my old office, and I have just had an electrical safety certificate done. This was fine, except that the consumer unit is plastic, and the electrician graded it C3. Of course, it's safe, but it doesn't meet the current regs, which require a metal one. The regs change from time to time, as plastic…
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Address issue on mortgage offer
Hi Had my mortgage offer through last week and I noticed they’d put the address ever so slightly wrong (the house number and road number the wrong way round). My broker doesn’t seem that concerned as the address on the initial application was correct he thinks it may just be how the lender has formatted it and he’s certain…
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Shared Ownership v HTB Equity Loan
In short, if you had to chose one, which one would you choose to help you get on the property ladder? In long, we are a family of four renting and wanting to get on the property ladder. In our area there is a mass of new builds happening which will grow the town by a quarter. With both types of schemes we will potentially…
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Notice period
Hi , My tenant was on a six month contract and at the and of the fixed term came to an end 21/05/2020. my tenants have advised at the moment that they will be going on to periodic
(month by month) at the moment and not signing for a fixed term.There are no changes to the current tenancy agreementWe have now sold our other…
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Leasehold insurance issues
Hi, I'm trying to help my daughter who completed a purchase of a leasehold flat top floor flat dating back to 1759 in June 2020 she has long term serious health issues so I act for her. The purchase was delayed due to the collapse of the kitchen ceiling caused by water penetration through the roof. The ceiling was repaired…
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CGT when income is variable
I’ve searched for an answer but all the internet wants to do is feed me cgt calculators with known variables, when I have an unknown variable as I don’t know what personal income will be this year. I know cgt on selling a second home is payable within 30 days of the gain realisation, and that it’s calculated using a…
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Help Me Find a Conveyancer I can Trust!!
Hi Everyone,
I am looking for reliable conveyancing within Bromsgrove / Redditch and I do
not know where to begin! What should I be looking for in a conveyancer to know
they are reputable and efficient and how can I distinguish between good and bad
conveyancers or lawyers? If anyone can help me out or give me a few…
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Estate Agents and the 14 day notice to end a contract
Do Estate Agents remove all advertising of your property once you serve the 14 day notice to end the contract?