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Offer Accepted
Well............we put an offer in for a property this morning and it was accepted. Now, we went to see a mortgage broker last week who looked at our finances and said there's no problem with getting a mortgage. He ran no credit checks on us. I have made another appointment to go and see him tomorrow to finalise things.…
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previous property prices
Can't think of the name of the site that lets you see previous purchase prices on a property. Any help appreciated. Thanks in advance Reebcca x
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when was house built?
looking to buy a property at the moment so getting quotes for all sorts of things...one of them is house insurance. It asks when the house was built - how can I find this out?
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Making An Offer, Advice Please.
Hi, This is my first post and any advice would be greatly appreciated. I am a FTB, with a 32K deposit, mortgage aip, solicitor ready for action and other money kept aside for all other costs. What I need advice about is, I have seen a house that has been on the market for over a year marketed at £169,950. After searching I…
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Declaration of trust - Tenants in Common - Still Confused!
Hi. Ive done a search on all threads, read everything about tenants in common etc but Im still confused. Situation:Hubbie and I are buying a house for £320k. Im putting down the £80k deposit. We're splitting the mortgage 50%/50%. Hubbie has very bad credit history which has resulted in us having to get a near-prime…
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Cutting Your CGT Bill in Half
This is based on a buy to let mortgage and your CGT bill when you come to sell. I got the idea from thinking that each year you don't take capital you lose your £8800 allowance. So instead of taking your capital out after 5 or 10 years you take it out every year taking full use of your allowance. Looks like it works on…
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Choosing a home to rent
DASH for East Midlands (Decent an Safe Homes) has a very helpful guide for first time renters (or anyone, really) about choosing a property to let. There is a downladable guide and a checklist to take with you when you go to look at a property. The downlad page is http://www.eastmidlandsdash.org.uk/downloadsa.htm Hope this…
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Living in your own BTL property
Is it possible, whilst in the middle of major family changes and upheavals of finances etc, to actually live in your own BTL property for a while? What implications would this have, anyone have any ideas - I presume it would somehow impact on income tax, and would the lender approve?
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Mortgage newbie - interest rates
Afternoon guys and gals, I have a question about my mortgage and the interest rate. We are about to embark on a 3 year fixed rate 100% mortgage so as you can imagine the interest rate ain't that good (6.19% :eek: ). However, we have got a strategy in place to make regular overpayments and also lump sums (at bonus time etc)…
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title deed question!
Hi I'm in the process of buying a house and downloaded the title deeds for the property via the land registry website. Reading through the document I've come across a section called 'Schedule of Restrictive Covenants' referring to 'The Fourth Schedule' which states the following : 'Not to develop the land hereby…
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Property Advice
Hi all, First time posting here. After bit of advice has anyone across these people before http://www.challenorproperty.com/ if so are they a good idea ???? any suggestion well. BNB
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Spanish property
sorry if this is the wrong forum but i have a property in spain that i want to put up for rent. does anyone know of any good letting agencies located in the uk or good places to advertise. i had a look at a few sites on the net and most charge £80ish to advertise. i dont want to advertise with useless companies who take…
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How much service charges do you pay?
Hi, We live in a block of flats in London, and pay service charges for things like cleaning communal areas, electricity for communal areas, lift maintenance etc. This all goes through (a very incompetent) managing agent. The amount we pay seems very high and I was wondering how much others are paying and whether anyone has…
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Short Term Loan to Assist House Purchase Abroad Needed
My wife and I own our property in the UK. There is no mortguage as we paid this off some years ago. I would imagine the property is worth about £400,000. For various reasons we do not wish to sell this property for perhaps 18 months. We wish to purchase a property abroad and are able to muster most of the cash required,…
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Sell and buy or rent out and buy?
Hi all, This is my first post, firstly I'd like to say what a great read this site and forums are. - They really make you think!. The current plan we have is to sell my current house and to move to a bigger/family house with my OH, (ready for kids - as my OH is getting clucky). My current mortgage has about 4 years left on…
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To buy or not to buy...
Good morning everyone, This has been reposted from the mortgages section. I have a bit of a complicated question and am hoping that some of you who know more about these things than I do can offer some advice. If this is the wrong place to post this please let me know! My basic question is whether we should be thinking…
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Selling my house on the internet
Hi Guys I have had my house on the market for 6 months via an estate agent, and they aren't doing a good job. I want to sell via the internet, but am unsure o the best website to go with. Any recommendations, tips, experiences?
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Should I sell my previous property to save TAX?
I have rented out my previous property since March 2004 (actually moved out December 2003) Property was worth £130,000 then, but now is worth £180,000+. I have had same tenants who are keen to stay long term currently paying £500 PM including rates (NI) I thinking about selling property (as BTL investment with tenants in…
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Landlord asking me to pay agency charges & delaying return of depoist help
Hiya Your advice is needed. My landlord/ agent are just useless. I temporarily moved into rented accomdation as my own house sold and was awaiting completion of my new house earlier this year Getting my deposit back has been a night mare ! I moved out on July 31st and still I have not received my deposit back. The lettingh…
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When To Sell
We are in the process of tidying up our house with a view to putting it on the market. We are in no hurry to sell. Given that it is close to Christmas, would you recommend that we wait until the New Year before marketing it (although there will no doubt be an influx of other houses on the market at that time too) or just…
