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BTL 5 year fix? Any ideas
Dear all Am looking for a 5 Year fixed rate (quickly!) on a BTL Mortgage. Am currently with Northern Rock on a SVR. Have asked them for a review but they want to charge me £2700 arrangement fee for a 5.49 fixed! Can anyone do any better? Cheers
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When is INCOME checked for a mortgage???
:confused: Hi everyone im new to all of this so please be gentle with me. My husband and i are currently trying to sell our home , were buying one for which we will need a new mortgage for. We can afford the repayments on my husbands wages so i dont need to be working. however we do need both of our incomes for the…
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Buying new home, keeping second home
We are considering renting out our current home and purchasing a new home. Thus our current home would change from primary residence to investment. The new property/mortgage I would get would be my new primary residence. Am I supposed to notify my current mortgage company that the property will now be an investment…
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Vested interest in ramping the market. Why?
I have read on this forum that EAs and the media have a vested interest in ramping the housing market. I can understand why the former would have one but I don't understand why the media have a similar vested interest. Can anyone explain?
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Help with searches for FTB please
We have just had an offer accepted on a house but the vendor mentioned that a previous buyer had pulled out but they had found an entrance to a mine shaft close by, we want to go along with this sale but don't want to spend a fortune on a valuation and solicitors fees when the mortgage company wont lend on it. Does anyone…
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Please Please Help - Selling problems - environmental issues
I really would appreciate some peoples help and opinions...... We really need this information for mid-day Thursday.......... We have had problems selling our house - an environmental issue (dumping or landfill). Our solicitor has tried contacting the builders (who contacted their solicitors) and they said they have no…
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tenants in common - good idea or not?
Hi all, I'm not sure if this is quite the right place to place this thread . . . but here goes! Today I had a meeting, along with my parents, with a will writing salesman who, along with preparing a will, tried to talk my parents into changing their status as joint owners of their home to "tenants in common". On the face…
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advice on putting in an offer on a house
Right I've been looking for a house and have seen one I like and want to put an offer in. I have my mortgage agreed in principle and am a first time buyer so am not selling. I don't have a solicitor yet, do I need one before putting in an offer? or can I put in an offer tomorrow morning and then arrange a solicitor during…
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renting out my house
Hi all, just considering renting out my house and among the many questions I have, this is my main one at the minute. I've seen rent guarantee insurance which covers if the tenants can't pay their rent for some reason, but is there anything I can get to cover me if I can't find a tenant for a while (at first, or if the…
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Help needed,house sold for reduced price
Please help I think this house selling is driving me mad!!! We just sold our house it was on market for £115k the buyer offered £100k we said we'd accept £105k we also said we weren't prepared to reduce any more when the survey was done. The survey has now been done and the buyer wants us to drop to £100k so our EA is…
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Downstairs bathroom lease
Hi, I'm starting to look for a new property to rent and alredy I've seen quite a few. In the area that I'm considering, a number of houses have downstairs bathrooms (including lavatories) because they were built at the turn of the century. I've seen quite a few where there is only a dividing door between the bathroom and…
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House Auctions and Mortgages and FTB..
Hi. Can anyone point me in the direction of information (previous threads/guides etc) as to how a property auction works? Of course I've seen the perma-tan man on BBC1, but they only show you the actual bid and don't explain about finances. My own situation, a FTB with 25K deposit and looking to get a mortgage of 125K. Can…
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Do I withold my last month's rent? Advice please!
Hello, I know I have another thread on a similar subject but having got 1/2 way through eager learner's thread I came across the subject of witholding our last month's rent in leiu of a deposit (which if you've read my other thread you'll know I am doubtful I will get back, despite the property being perfectly clean and…
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Houses prices continue to rise!!!!!!!!!!!
and no crash will happen. Fact. So all you happy crashers, best start saving now if you want to get on the property ladder within the next century. Source? The same source as all the house price crash threads. The b/s factory.
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Help!! Neighbours from hell - can't find a way out
Sorry have just realised that he might come online and spot this.
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30 viewings, no offers
I have my lovely house on the market for 9 weeks now. We have had 30 viewings and the feedback from the estate agents has been 29 have said house is too small, one made a comment about the neighbours (!). I have a 7 month old baby so it's hard to keep clear of clutter but I can't help feeling that the estate agent is…
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Good Value Solicitors in Kent V Internet
We've accepted an offer on our house in Maidstone but have been told we are 8th in a chain. We are thinking of just selling and going into rented so that the chain is complete. We haven't dealt with solicitors for over 10 yrs and have had 2 quotes from firms via the estate agents.Both similar at around £1100 and asking for…
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Removal Costs - no idea!
Hi, Currently trying to budget on removal costs and can't seem to get any sense out of the firms I've spoken too! :confused: Living in a 1 bed flat in central London (not loads of furniture but too much stuff by far to do it ourselves) and moving about 2 hours to Kent. Anyone have any idea on what I should budget for…
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First time buyer - Solicitors
Hi, We are looking to buy our first property, and we are somewhat surprised still by all the costs involved (even after we thought we had saved up a good deposit etc!!!) As try-hard moneysaver I have phoned/e-mailed around for a few quotes for conveyancing and they vary quite a lot e.g. Local Solicitors - c. £1100 + stamp…
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Should i move home to break the chain?
or are my buyers being unreasonable? (or am i??) So i had an offer on my house about a month ago, which i accepted, I subsequently put an offer in on a house which was also accepted... My vendors haven't found anywhere to go yet (after 3 weeks of looking, which isn't majorly long I don't think). I had no contact from…
