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Question About Buying the Freehold
Hi, This is my first post here but I’ve been reading the forums for ages now. My question is this, we currently live in a converted house and want to buy the freehold between us and the other flat. After approaching the managing agent they have advised us it will be £6000 plus all their legal fees which to me sounds really…
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Ground Rent
My mum inherited gound rent of a street from my grandad when he died. Its only £7 per year, per house, but shes knows nothing else about it. Obviously we have the addresses involved and most pay. She now wants to find out more details about it. Can she raise the price? Can she sell indivdually or to an association? If so…
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Rented Student House outstanding bills previous tennants
Daughter moved into private student house with her friend and they took readings of gas and elec meters on the day they moved in. The landlord said they would not be liable for any bill payments before that date. They tried to change from british gas to ebico for both but have been refused to leave by british gas even…
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Guarantors
Hiya, Do you need your guarantors bank details when adding them to your credit check form? Thanks
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Final Bills
My now ex rental agency is asking us for the final bills of the utilities at our previous residence. No real problem there as they are all in credit, but since they are in my name and the landlord wouldn't be liable for them if I didn't pay, are they justified in requesting a copy of my final bills? After all they are a…
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Is there a product to buy a house
to help me with this? We are looking to move home. Looking at a home at £275,000. However, due to an addition to the family, we only really want to make payments on a mortgage of £200,000 (actually £150,000 as we have £50,000 deposit) for the next couple of years, then start paying the increased amount when my partner…
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25 year or 30 year mortgage does it make a big difference
hi folks i cannot decide there is only £50 permonth difference in the monthly repayments. can anyone tell me if it would make a huge differnce if we took a 25 or 30 year mortgage.
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24 yrs old - what mortgage can I get?
Hello 24 year old male from the north of England here. I'm back living with my parents at the minute and looking to buy. The problem is that I don't know what I'll be able to borrow.... My circumstances:- -In a month or so's time I will be earning around 23k (currently 20k). -In a year or so's time this should have jumped…
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Solicitor complaint
I had a private discussion with my solicitor regarding a reservation I had in buying my new property. Next thing I know she has told the EA acting for vendor (despite me saying I didn't want to discussed) Next thing, vendor gets stroppy and threatens to remarket. Zero chance of him reducing price which we had been…
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Flat on the Ground floor
To anyone who has experience in renting/letting out property... I have the option to purchase the one remaining flat in a new apartment block. I am confident about the area and 'rentability'. Its new build so nicely decorated etc. I have heard different things - is a ground floor flat less or more appealling to potential…
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Home Buying Life Insurance / Assurance??
Hi there, Not sure if I'm posting this in the right place but hope someone can help! I am in the process of buying my first property and wondered what sort of insurance I need as I'm finding it a bit confusing! For information the property is a flat and part of my maintanence fees will cover the buildings insurance. I'm,…
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Moving out of our rented home. question about carpets?!!
Hi, We are moving out of our rented place in three weeks and have been told by the letting agents today that all the carpets have to be cleaned professionally. There is nothing about this in our contract. When we moved in, the house and carpets were clean and we were told that the carpets had been professionally cleaned…
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To Sell or Let flat when moving
I am moving from my flat in London and can't decide whether to sell the flat or let it out. The monthly payments are about £370 and it will rent for £650. I have to consider though, 8% letting fee and the monthly service charge of about £50, effectively £100 a month in total. However, should I let it I would re-mortgage to…
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help need find out who owns bankrupcy repossesed house quickly
hi guys hope someone can help the house next to my mother in law has been repossesed i think due to bankruptcy . my husband wants us to purchase it as his parents are elderly now . and have had problems with neighbours in the past . i just havent got a clue as to find out who owns it which bank repossesed it etc .# i guess…
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Self-build mortgages...
Anybody know anything about mortgages for a self-build? Are there any advantages to building your own home? Me and my wife haven't owned a house yet - would this set us back at all? Thanks :D
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Avoiding stamp duty?
I have just managed to sell my flat and so my partner and I are looking to buy a house together. We've been looking for a few weeks and haven't found anything we like. I'm anxious not to lose my buyer so we've come up with three options. The first one is we sell the flat and then move into rented accomodation until we find…
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FTB - Offer accepted - what next - read to page 30 before posting - lol
I had an offer accepted on Friday. Have arranged to meet my mortgage broker (have one in principle already) on Friday as he's in Scotland until then. Have called for quotes from solicitors and appointed one. Informed EA of mortgage brokers & Solicitors name and numbers. What's next? I have no clue about what comes next and…
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To Buy or Not to Buy?
I am not sure if anyone will be able to give me some advice on this but figured it wouldnt do any harm to ask My Boyfriend and I are currently saving up for a house which will take another year approx (in london) We plan on moving to singapore after we get married for a few years (he can work over there with his existing…
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Letting Agent fees - Are they negotiable?
I am about to let out my flat & wanted to use a letting agent. I have seen 2 agents already. For Full Management, one was asking 14% of rental income PLUS VAT, the other 15% PLUS VAT. The one at 14% said not negotiable, the other said maybe. At these figures I will not be covering my costs (mortgage interest, managing…
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I would like the house cleared?
We are buying a 1940's house with the current owners going into a home and the sale is being dealt with by family. Most of the house stuff has been cleared, but there is still a lot of old large furniture and bits lying around, and old carpets throughout the house. The garage and shed are full of rubbish and an old coal…
