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I'm a FTB and I need some advice about a valuation!
At the moment i've got an offer in on a flat subject to survey. I got the result of the valuation today and it's a couple of thousand short of the seller's asking price. I'm a bit concerned that when my lender sees the valuation they will not lend enough for me to be able to buy the place. Should I try and negotiate a…
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How to approach owner?
I want to purchase a derelict property that isn't up for sale. I know who the owner is through land reg. I want to contact her to ask if she will sell the property to me. Obviously I want to pay as little as possible for it. Does anyone know how I should approach the subject with out her thinking I am desperate for it and…
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Will I get tax relief on my house that I rent out?
This is my first posting Can anyone help? I couldn't sell my house and wanted to move to a bigger house, so we decided to let my sister rent my house to cover the mortgage and bought a new house. my sister is now moving out so I have put the house up for sale and rent which ever happens first, I would prefer to rent it as…
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More FTB Advice Please!
Hi, I'm sure you must get fed up with all the FTB asking questions, so here's another one for you if you could be so kind! Looking at a bungalow that's been on the market for a few months which states - "offers in the region of £250k" - made our first offer £230k (rejected) then £235k (rejected) - apparently the seller…
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Letting Agent Dispute
As a breif resume of where i am i was renting a property through a letting agent and the home owner got himself into considerable arrears. The mortgage lender took him to court and the court gave power for a repossession order. I discovered this through chasing the letting agent when a lot of mail was recieved over a short…
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Will this damage my boiler?
I've recently bought a new home and obviously don't want to do anything that could cost me big money in the long run or affect my ability to sell again. However, with a tight budget I do want to do everything I can to save money. I have a modern gas boiler (2004) and have been switching it off when I'm not at home. I…
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no one seems to know if my property is a HMO!!!!!!!!
In process of getting remortgage. Surveyor has turned around and said it is an hmo. it has 3 floors, 5 beds. 2 bathrooms and a kitchen. it has 1 tenancy agreement with 1 person on it. the house is shared but there are no locks etc on doors and it is just like a big family home. any advice?
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Valuation - "Damp Proof Course is Bridged" - What to do?
Hi all, OH and I have sale agreed on a house, built round 2000 - semi detached. We have got our valuation survey back from Halifax's valuers, who state: "The damp proof course is bridged and may not be fully effective" The current owners have laid down lovely brick paving over the back garden as they said their boys like…
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renting my house charging me £250
Hi Everyone We are moving abroad in november and i just phoned my mortgage company to let them know we are going to rent out our house. We were told by Northan rock they are charging us £250 just to do this? Can they do this? seems alot of money just to do this Has anyone els done this? thanks in advance
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Estate agent problem
I need some advise about a potential problem with my EA. I say potential, as it may never happen. I cancelled my agreement with him yesterday, and in a letter confirming the cancellation, he informs me that if I were to complete on my sale with another agent with any of the viewers which the first agent introduced, I would…
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Addicted To Cheap BBC2 17/07
Perhaps a bit off topic but did anyone see this show? Extremely interesting to see this issue covered in such a high profile way. It touched on the relationship between inflation and interest rates and the implications of cheap prices on mortgages, but the programme as a whole was of great interest. After my rant about…
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1st Time Buyers Advise - Council Tax
Hi, Can anyone tell me what to do about council rates. Do we need to contact them directly to register ourselves or does our Solicitor do this? Many thanks,
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Can anyone please help me?
Hi, My partner and i are wanting to get a mortgage but we keep being delcined because of my partners poor credit rating from the past. Does anyone know if there is any way of getting a mortgage. My partner is on a very good wage and now only pays out £40 a month for a loan he has. Thankyou :confused:
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A whole bunch of people buying a house?
I was having a bit of a moan to a friend of mine who is an accountant, mainly about house prices and not being able to afford to buy somewhere. He then went off on a bit of a tangent about an idea he had, because he's heard a lot of people say this. And I'm wondering if it's a good or bad idea. His idea was to organise a…
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PROBLEM with title deeds (Scotland)
I am about to conlude missives with the purchasers who are buying my house but a problem seems to have arisen. Apparently there is an orange shaded area on the map which is not noted in any of the details. The blue shade would indicate the communial area like the path bin shed etc I share with my neighbour and the red area…
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Buildings Insurance help puhleezee!
We have to get buildings insurance of course. I don't know where to begin! We have a letter from our solicitor saying that the insurance company must have sight of the valuation report and must confirm that they are happy to proceed with the cover. How do I arrange this if I get insurance on-line? What is a good company to…
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my dads falling apart over buying a house and legal stuff
FACTS: my dad tried to buy a house. he gave the seller 38k via his solicitor. my dad's solicitor didnt have any witnesses as he was taking the sellers signatures when giving him the money TOWARDS buying the house, his solicitor wasnt present and no other witnesses. when it became time for the man to "sell" the house to my…
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Shared Ownership - Right to Manage
After talking about it vaguely for some time, my neighbours and I are sick of being neglected by our management company and we are on the point of setting up a RTA and looking into invoking our Right to Manage. We are a block of ten Shared Ownership flats; I think the majority of the residents own either 40% or 50% of…
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Urgent Help - Do we get a joint mortgage or not?....or does it actually matter
Hi - need quick advice please. Married and staying in flat for past 18 months (currently jointly owned by wife and her sister). Now the wife & I are buying a big house (woo hoo) and looking to buy wife's sister out of the flat we are moving from so as we can rent it out. Should we get a joint mortgage on the flat so as we…
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Property Price valuation
As mentioned in recent email mailing from Martin... Figures it threw back at me were massively out, wonder if its more of a way to get traffic and email details for advertising
