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How to get a 100% self cert mortgage
Theres so much wrong with this its hard to know where to start. I was doing a job for a bloke yesterday and he was telling me how he bought his house recently. He saw a house for £130 000... he had a £20 000 deposit. He told the vendor to say it was £150 000 and got a £150 000 mortgage. He then put his 20 in, got the house…
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Property Auctions
Hi all, I was wondering if anyone coud recommend any property auctions in and around London? I'm looking to sell my property in a quick sale and i was thinking of putting my house up for sale at an auction. Any feedback woud be greatly appreciated. C
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It might seem a stupid question...
... but what is endowment? I have heard of it and tried to find out what itmeant on the Mortgages websites but cant find a definition... I know I mihgt sound dumb, but better feeling stupid than being sorry. Also, when you make overpayment, how is the interest recalculated? And finally, is it still possible to find a dodgy…
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What's most important when selling a house ?
Hi I was just wondering what people think adds most value to a house ? I would say : 1. No of bedrooms 2.Garden 3.Nice Kitchen 4.Nice Bathroom 5.Garage 6.Double glazing 7.Conservatory What do you think ?
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Help Needed. Putting a charge on a property.
Hi, Thanks for looking. I wondered if there was anyone on here that has knowledge of getting a charging order put on a property. I do not wish to use the services of a solicitor for this as I am informed that it is easy enough to do myself but I went to court for this last week and was humiliated to have it adjourned for…
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1830s House - Any problems?
We've had an offer accepted on a 1830s cottage (but not listed) Are there any issues/problems that arise purely due to the age of the property? The estate agent has assured (as they do so well :rolleyes: ) that although buildings & contents insurance is more 'difficult' to get for pre-1850s houses it is possible and…
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Vendor's left rubbish
Hi All, I need some advice. My mom has just purchaced a house, completed and exchanged today. I've just popped over, and the place is a mess. The vendor has left an over-flowed skip with junk, and most rooms in the house contain junk. The loft space is non-existant due to the rubbish and the garden shed is full. Can anyone…
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Drainage search
What is the quickest way of obtaining a drainage report? Are there any websites? :confused: My buyer has now decided he wants a drainage report (7 weeks into the process) and I am wondering if there is a quicker way then his extremely slow solicitor of obtaining this information. Thanks in advance!
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Leasehold extension... first steps advice please
I have 76 yrs left on my flat's lease and I want to extend it now. I've owned it for 3 yrs and I can't think of any reasons within the new legislation why I can't do it. I'm not sure what is the best first step. Is it best to ask the freeholder/landlord informally for what they would consider an appropriate payment or…
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Builder stalling to avoid free turfing if ex. contract by..
I seen a house with Persimmon that I liked. The grass wasn't turfed or levelled and to clinch the deal the reservation (£250) they said they would turf it if I exchanged contract within 28 days (20 working in reality), all noted on reservation form. This was on Saturday 17th. I've moved as fast as I can, should be…
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Property Dispute after Separation
My partner and I have split up after being together for over ten years. About five years ago, we bought a flat together, which I insisted on being in my name as I paid for the deposit and all the legal expenses. Ever since then we shared our outgoings, I paid for the mortgage and he paid for most of the bills. My expenses…
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Best Excuse for Not Liking House...
We sold our house a couple of months ago after a long, long struggle. During this time we had some humdinger excuses for not liking the house. The best one by far was the "You have too many animals". We had 3 fish tanks. The fish were moving with us. The tanks are enclosed due to the physics of life on earth meaning water…
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Kitchens - men's V women's views
Our family have been viewing a few houses recently (on the web & actually visiting them) and some of them have fairly decent kitchens but a couple of them have a kitchen probably from early/mid 80's. The house I really like (location, layout etc.) has a fairly old kitchen in it but functionable. We have money for things…
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Can ex-tenant’s credit problems affect the sale of my property?
Hi, I hope I’m posting on the correct board here. I’m currently in the process of preparing my flat for sale, and am getting very concerned about letters being sent to my address for a tenant who moved out in March (nearly seven months ago). So far I’ve seen a couple of letters for the local magistrate’s court (I’ve…
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What is going on?
Accepted offer on the house 8th Sept (from a couple who I was v surprised about as they acted like the house was made of poo when they were viewing......). Got Estate Agents to check before I accepted (as had 2 couples £500 difference) which one was ready to go, mortgage approved in principle & no chain - both the same, so…
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A house with radiators and electrics stripped, water system drained down
I have seen a house with radiators removed, electrics stripped, and water system drained down, but the problem is that I liked the house very much!!! All that's left for the radiators are the copper pipes which are clearly being sawn in order for the radiators to be removed. (Questions: is this the correct way to remove…
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Panorama- tonight BBC 1 10-15 pm
This may be worth watching. Gordon Brown's "miracle" economy seems to be over. It must be bad if the BBC are prepared to show the Labour government in a bad light !! This may not be directly to do with the property market, but with possible recession, rising inflation, Interest rates, unemployment, and taxes, it will…
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Anybody heard of this firm?
Hi Guys, Has any body heard of or is a member of this association? Any positive or Negative views/feedback? Any opinions? Please let me know. Thanks Here is the site - RLA (residential landords association). Spikey
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Buying Land
Does anyone have good advice with regard to buying land and attempting to get planning permission to build. It’s something I’ve been really wanting to do for a long time but find myself put off by the whole thought of getting permission granted etc. Just how long a process really is it and how costly?
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Residential Lettings Contracts.
Hi Guys, is there anywhere online I can download and print off a contract for a student let? Many thanks in advance. Spikey
