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spray foam loft insulation
Hello all, I've had an offer accepted on a property but the survey has discovered that the whole loft has been insulated with spray foam. I'm a cash buyer so no lender involved, but I've been told that if i was getting a mortgage on the property, it would probably be refused or at least the valuation would be greatly…
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Renegotiate or pull out?
Just reading all the paperwork from the solicitor and there is no building regs certificate for the garage conversion. The conversion consists of a shower room, utility room and lounge. Vendor assured me that had the necessary paperwork but what they have is a certificate for bifold doors in the lounge. Separately the…
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Seller pulled out...mortgage offer delays HSBC
Hello, Our offer got approved on a property. We applied for the full mortgage, and it has been 3.5 weeks, HSBC has been asking questions and questions. This will be our second home, the first one to go on consent to let. No chain. The seller somehow got frustrated and pulled out of the deal and sold it to another buyer who…
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House Sale Dilemma
I have just inherited 50% of my mothers house. I would like to buy out my two younger relatives but my money is locked away until November 2024. My mum suffered from dementia & died aged 95 four months ago. I have been living in her house since 2019, when my plans to travel were curtailed. Instead I became a part-time…
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Accepting lower offer from buyer
Hi all, I’m selling my mum’s house with Lasting Power of attorney to pay for her care home fees. We had three valuations but went with the most conservative (lower) one as we were hoping for a quick sale so priced accordingly and liked the independent agent. Also aware the decor is a bit dated and could do with new carpets…
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Estate agent saying I have to buy through them
I am currently moving house and a while ago I found a property on Rightmove which was listed with two agencies (agent A and agent B) . I didn't care which I used so I picked at random agent A and booked a viewing. I did the viewing, liked the place and then booked a second viewing. At this point I put my house on the…
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Getting out of a contract early due to relationship breakdown
Hi forum, I am hoping to get an idea of what my options could be in my current situation. I'm in an emotionally abusive relationship that I can't put up with any longer and need to get out. Getting out of the relationship is the easy part, the hard part is the living and contractual situation. We currently rent a house…
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Borrowing against two houses
My Mum (in her mid 70s) and I have our own houses, both mortgage free and currently around the same price, so in affect an house swap - around £200k (we’re up North!). My Mum would like to downsize and move into our house, we want to move as my family have outgrown it and she loves the area/house. We were wondering whether…
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Additional Subsidence report, needed?
Hi everyone, Me and my partner are in the process of buying a house, we are 2 and a half months in, the searches came back fine and the Valuation also done by Halifax, we have our mortgage offer however now sorting buildings &contents insurance we wondered if the "Property has suffered previous movement" on our valuation…
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Moving house - getting your house ready to sell
Seems an impossible task..... Want to get the house up for sale asap but you see all these photos of other houses with clutter free rooms. Seems a LOT TO DO. We've got a massive storage unit sorted which is one thing. Both of us work full time so not a lot of spare time. Also, due to back problems (I've got a blue badge) I…
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Advice please! How can my partner buy into a property that only I will live in?
New here and hoping for some collective MSE wisdom - I currently rent a property for myself and my 20 year old daughter, in London. We've been there for 12 years and have a very good landlord, who has never increased the rent, but who is now planning to sell in the next year or so. He has offered to sell to us but I can't…
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Service charge increase for repairs.
We live in a block of 12 flats of which are leasehold with a share of freehold. Our building is approx 70 years old and is now in need of some major works/investment.(eg balconies and roof works). We pay a service charge(which has recently been increased) and have a sinking fund but we will clearly not have enough to pay…
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First Time Buyer / Inheritance / Deed of Variation
Hello. I was wondering if someone might be able to help me as I've tried looking online and can't seem to find any clear answers. My partner and I are wanting to get a mortgage to buy our first house. We are both technically first time buyers. However, my Dad died suddenly last year without a will and I have inherited his…
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Tangible proof my estate agent impersonated my buyer
I've posted before about my dodgy estate agent. In short our first sale fell through and we secured a second buyer. We had to withdraw from the sale due to the buyer not having instructed solicitors (We never met anyone who viewed our house). During the second sale collapsing. We recieved had an email conversation with our…
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Window opening on to our property
We are the landlords of a commercial property which has a drive at the back for vans to access to deliver supplies to the shop. The property at the back of the drive have now installed new windows that open on to our land, we have told the owner that its not acceptable as the vans cars etc going up the drive will break his…
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Buying New Home + Converting to Buy-To-Let in future
Hi all, This thread is really just me looking for thoughts and advice. Myself and my ex girlfriend are going to be selling our house in the near future and I will have a decent chunk of money after it (if it sells at the valuation, which I think it should, I'll make about £30,000-35,000)*. Following the split, I have been…
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Paying off dad's mortgage before he loses his home?
Hi, I'm not sure if I'm putting this in the right forum so apologies if it's wrong but need some advice, my dad is approaching retirement age and has no savings and very little income, he is also terrible when it comes to finances and has buried his head in the sand for far too long. He can no longer afford his mortgage…
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Freeholder blackmailing me on previous owners internal changes
Hi, I am in the process of selling a leasehold flat. When I bought it the copy of the lease I was given was very poor and the floorplan contained in it was feint and barely readable. Now I'm selling my solicitor has provided a much clearer digital copy from the land registry that shows the floorplan more clearly, and it…
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Can a landlord terminate a tenancy if selling up?
Many landlords bought buy-to-lets with the eventual aim of selling up. Many do not wish to continue into late old age with the responsibilities of running the 'business' and dealing with the various issues arising. Having to sell a property with sitting tenants would vastly decrease the pool of potential buyers, clearly.…
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Buying house of family
We currently let our home from my husband's mum. She's decided to sell up and has offered us the house for 190k , it's market value is approx 250k. We have a deposit saved of 80k and have a mortgage in principle for the remaining 110k. She has her solicitor already sorted and it's the same solicitor we usually use . Do we…