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Can't find lightswitch!
Hi, Have just moved into a new house (1910 end terrace, electrics have been redone within past six years) and am having trouble finding a switch for the light outside the front door (previous owners have moved abroad and aren't contactable). Any suggestions as to how I can find out where the switch is would be really…
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Is this tax evasion???
Any help/advice on this problem would be helpful. I am a cash buyer - I have put a bid of 247,000 on a 275,000 house. As a sweetener I said i was willing to negociate heavily on the house contents.... I have absolutely no furniture and the owners of the house have excellent taste in very nice quite expensive furniture +…
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What property choice would you make should there be a crash?
Im looking for some opinions on a house move I'm planning. The situation is that we're looking to upgrade. Currently in a smallish three bed semi and we need more space. We're looking at either a 4 bed semi/ detatched about 5 years old on an estate with a good reputation - OR - a 3/4 bed 1930's semi. Which style would you…
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Leaving rented flat
My boyfriend is moving our of his rented flat and we are moving into our new house next weekend. In terms of notifying utility companies and getting final bills, what should he be doing? Should he phone them up on the day he leaves with the final metre readings and get the final bill sent to new address? It terms of cancel…
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First Time Buyer
Hi, My partner and I would like to move out soon and we dont want to be renting. We would like to buy and start building a stable future for ourselves. At the moment I am temping with a salary of £21K and I know I will need a perm role to be able to buy. My partner earns £22K. We have no savings and feel that living in…
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When to instruct solicitors & surveyors?
Hi All, I am a FTB and have had an offer accepted on a house. Our vendors have also found somewhere with no chain. When do I instruct our solicitors and surveyors? (We are doing our own survey coz the house is about 100 yrs old). Do we need to wait for our mortgage offer first and then instruct or just instruct them now to…
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When to sign contract?
Hi, I just wondered if anyone could tell me when the contract gets signed. As far as I am aware, we are ready and our seller is ready, but our purchaser is still waiting for searches. Many thanks. x
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what type of survey
looking at 1929 approx bungalow -unlived in for about 1 year -looks ok chimney needs redo not sure re roof etc. Do you suggest the full structural survey which is more expensive of course or the Homebyuers report type . Advise appreciated.
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100% Financing - please advise on future selling.
Hello- I am writing from Chicago. I have been looking for a good real estate site and have found this extremely helpful!! I am hoping I can get some advice on our situation. My husband and I bought our first home last July. The purchase price was $415,000. We took an 80-20 loan. Both loans are fixed rates. The 80% is 6.75%…
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Buying a house in Todmorden, Lancs/Yorks border
Hi there, We are just putting our house in East Yorks on the market and are hoping to buy in Todmorden on the west Yorks/Lancs border. I was just wondering if any of you live in the area and could suggest any parts of Tod which are especially good to buy in/avoid and where you think we might get the best value for money?…
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Could it be falling apart!!1 Private Sale?
Hi all! I need some advice / support! Story so far: We are FTBs. Offer accepted March 13th. Needed to wait for the final link in the chain to find a house. 5 weeks ago, final chain found a house but there was probate stuff to sort out! waited.....waited....waited...EA constantly telling us we'll have news nxt week, then…
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buy a house now?
Hi, I have roughly £100,000 in a high interest account at the moment but am also renting a property and do not own one. I am considering buying a house at the moment but would like some advice on whether this is a good time right now? Interest rates seem to be going up quite rapidly and i wondered if it might be worth…
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Help needed on legality of a Pre Nuptial agreement
My son and his partner have just moved into their first home. Whilst cleaning his room we have found an agreement signed by his partner, her mother, her father and my son that has been left behind. The reason for this (and I am not against it in principal) is that his partner has had a small inheritance that has been used…
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Another first time buyer seeking advice!
Hi guys, Apologies if this has been done to death already... but I've a few questions I wondered if anyone could help with. We're first time buyers, and eventually saw a property we loved last week. It's been on the market for 239k (which is above our budget) for over 3 months now. Our absolute maximum is 225k, so we were…
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Living in Dagenham
Is there anyone in this forum who lives in or close to, the Dagenham East in London? I am hoping to buy there in few weeks, mainly because it is SO much cheaper than anywhere else in London and enables me to pay a mortgage without living on beans for the next 20 years. However, I have seen one post on here where it wasnt…
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Anticipated Leasehold costs
Hello All I am purchasing a share of freehold (the buyer been the freeholder) and was wondierng how much it would cost to extend the lease on the property althouht it is freehold. I think i am going to have to ask the person i am buying the flat off to extend the lease as it has only 70 years remaining on it. WOuld it mean…
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At what point does interest rates make you mortgage unaffordible
And what would you do to resolve the situation?
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First time buyer advice needed
Hi, I'm wondering if some people can give us some advice on first time buying. Me and my partner have seen a really good property that we are interested in. The value is £95,000. Unfortunately, we have nothing saved for this at the moment. My partner also has debts going back to when she was a nurse student which total up…
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Re-Mortage / BTL, purchase another property
Read various threads but none actually confirm if this is a good idea or best way to do it that i've seen? Bascially I want to re-mortagage existing house, rent it out and buy a new one. House is worth 160k roughly and around 60k left on mortgage. So say £100k equity. What I would look to do is release 75%, so have 75k for…
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"Affordability" - the new endowment?
So last year the Alliance and leicester would lend me X amount, based on affordability. Let's say, for simplicity's sake £200,000. Interest rates were at 4.5% TODAY, interest rates are at 5.75%. My personal "affordability" is much worse. And yet, lo and behold, A&L are now prepared to offer me £205,000. Nothing to do with…
