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New builds- advice if buying
Just a quick note to those of you looking to buy new builds. As well as the list of snagging defects that you need to complete when moving in, don't forget to check the paperwork is all correctly completed. Had a 2nd viewing on our house last night (which we've owned from new) and the guy who came round checked our boiler…
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Buying investment land
Has anybody dealt with a land broker called Countrywide Land Holdings Ltd? They want £9,000 up front to buy a 0.06 acre plot near Cambridge. Basically I don't trust them and wondered if anyone else has had dealings with them or any other land broker. Many land brokers have sprung up in the last couple of years and they all…
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Bairstow Eves EA
Anyone used this EA in the coventry area? if so what sort of service did they provide. And any EA recommendations in the Coventry area, as I'll be sacking Bairstows next tuesday Kam
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Moving in, bills etc, what to do
When you move into a house what happens about all the bills etc that come to the house? Do you wait for them to come and then ring the companies involved and tell them that you now live there or is there some other way of sorting all that out? Does this get dealt with during the purchase process?
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Crooked EA and friends
A friend has just had his house repo'd last June local EA valued at £350k just sold as a repo at £303k. He is convinced EA did not properly market the house or fully disclose all offers. The difference to an EA in commission on a house at £350K and a house at £303K aint a lot, however a £5k + backhander from a mate or a…
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Buying properties for investment part 2
It said on the news again today that by 2020 there will be an even bigger shortage of homes, driving house prices up. Van persie, i'm still relatively new to all this finance stuff so am interested in what your saying. If the BOE is controlling IR's then i assume they are trying to strike a balance. If lots of ppl have…
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Buying a new house and letting out the old one
I'm after some advice please. I have a house worth £150,000 with a £43,000 mortgage. I want to buy and move into a new house with my partner. We want to spend £100,000 each. I will then rent out my original house How could this work mortgage wise? Should I remortgage equity from the original house? Will the mortgage on the…
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Is this mortgage okay?
We're FTB. We have been advised to go with Northern Rock flexible fixed rate mortgage. 3 year fixed deal at 5.19% with 95% of the £134,000 property on the mortgage and we will pay the other 5% as a deposit. The product fee is £695. We also get £1,000 cash back at the start of the mortgage.
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Avoiding stamp duty
Is there any way of avoiding stamp duty on a property over £120,000?
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Profit from Selling
HI I'm planning to sell my house and once I have paid off the mortgage, I anticipate having about 30k left over. What I want to do is, move in with my girlfriend for a few month and live mortgage free whilst looking for a new place some time soonish. My question is: Are there any tax implications for this? Any advice would…
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Court order to force house sale query
I posted a while ago as my ex partner is refusing to sell our house even though we split up 1.5 years ago after 6 years together. We are not married and there are no dependents. We are now tenants in common registering our seperate interests in the property. I have been forced to live with my parents since we split and I…
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Are you allowed to...........
If i approached an estate agents and told them i was intrested in a certain property, and then the lender refused me the mortgage,and i went and got another mortgage somewhere else, would i be allowed to approach the vendors privately to sell, or is this not allowed. Hope it makes sense. Mark
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Survey fees
We paid £250 for survey fees, now the lender as knocked us back on mortgage, No survey as been carried out, are we entitled to our money back. Thank You Mark
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House Deeds - guidance of keeping safe ??
:confused: Have been reading through a few threads and am getting the gist that maybe it's not such a good idea to pay of a mortgage completely - thus providing somewhere safe to keep Deeds? We are just about to pay off our mortgage and this hadn't even occured to me ( :eek: dim or what ?)!! Is this something we really…
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HELP! Can freeholder access property in an emergency?
We own the Freehold on a conversion of four flats. There is water coming down the walls of the ground floor flat from the first floor flat which has been sold and To Let since September of last year. Despite requests, we have no contact details for the leaseholder though we are currently trying to bully the previous…
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Buying a property, but still tied in to rent!
Hi I'm a first time buyer and i've now applied for a mortgage and make an offer which has been accepted. The guy said the property was on the market around Christmas which got sold, but the buyer pulled out last minute as he got made redudent. So his solicitor has done all the work. The guy selling has another place to…
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Can anyone give a estimate on how much substanice costs to fix???
Hi We are viewing a house and have a feeling it may have substaiance and that why is quite cheap - it it a semi detached 3 bed -does anyone have any experience of this and how much roughly it would cost many many thanks
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Help for 1st Time Buyer
Hi everyone Just thinking maybe you lovely people can help us out as we are 1st time buyers, were due to exchange on Friday and the solicitor has asked for a bankers draft for the deposit. Does anyone know how these work? can we just pop into the bank in the morning and get one on the way to the solicitor? Also, once…
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3% Stamp Duty Question
I wonder if anyone can help with my house buying dilemma? We are trying to purchase a property for £257000 (asking price £269995). The vendors have agreed to sell for this but our problem is the 3% stamp duty! (it really stings and may end up being a deal breaker). The estate agent has suggsted that we could purchase for…
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Can I find out how much Council Tax will be?
I'm moving into a 2 bed flat on Saturday, but the owner has told me Council Tax is £120 a month!! This doesn't quite sound right... I was expecting £80 or less from what I'd been told, especially as my mum's 2 bed semi detached costs £80ish a month! Can anyone help?
