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New bulid!!! What to do?
Hi, I am currently in the process of buying a new build (i know, i know) its a 3 bedroom semi and will cost me £101,995 once the 5% builders discount is taken off. We put the reservation fee £500 down in August and the house is just starting to be built, should be ready around late December. I am expecting the documents…
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Help please from experienced buyers!
Hi, Today we have had our offer on a house accepted :T (10k under asking price btw).:j We recently sold our house to an experienced buyer and it took just under a month from us accepting the offer to us getting the money. What did he know that got things moving so fast? Is there anything that we can do to speed things…
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I want to rent my spare rooms
Hi all, I have been registered on flatshare.com and flatmateclick.com to try and find some tenants- has anyone had any experience of any other sites? I have also posted on gumtree.com We are based about 10 miles outside Northampton, so easily commutable to Northampton, Bedford, and Milton Keynes. Thanks
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Deed of Gift CGT liability
In 1997 my parents gifted me their house(value £35K),its a gift with reservation as they continue to live in it. No worth £135K. They are in late 80's now & I think they've landed me a CGT headache from studying this forum. Can anyone clear up some questions. Would I get taper relief from 1997? If I made it my primary…
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capital gains tax
I have 2 houses which i have rented out for the last 5 years.One is worth £150,000 with £120,000 owing on the mortgage and the other is worth £145,000 with £108,000 owing on the mortgage.My question is that i plan to sell the more expensive house and put that money to pay off some of the other mortgage so will i have any…
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Advice please re getting money back from LA
Just wondered if anyone could give me some advice about whether our ex-LA can do what they are doing. We signed a 6 month AST and section 21 (if only I knew about the Sword of Damocles then) back in February. Roughly 2 months before the end of the AST LA asked if we wanted to renew we agreed and they said they'd draw up a…
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Share of freehold uncoperative neigbour
Hello I am currently living in a leasehold flat but buying the share of the freehold. THe upstaris flat is rented out and we are now in a situation where we have a problem with the guttering at the back of the property. It is dripping down onto our flat and it is split in a few places. The agents seem to be doing nothing…
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should I be give my solicitor a shove
My mortgage offer ends in 23rd Nov (would cost £1500 reservation fee now) my last correspondance was 21st Sept when they were still waiting on the commons registration report and "received the LA search and raised some enquireys to the same" do you think i need to give em a push or is things going along on plan? How long…
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Are you buying or renting at present
ok in todays market how many of you are buying and how many are renting many young people i know are renting and are happy to carry on renting and living a life where they pay their monthly rental and know where they stand financially. They are having the best of both worlds by living in low cost housing i.e. no diy,…
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Moving House and the penalties
Hi, i am brand new to any forum as i enjoy reading about peoples inciteful opinions but never have the time to write one myself UNTIL NOW..Bank charges as we all know are a disgrace even if it is instigated by your own mistake, but to be penalised by so many services for just changing your address is ludicrous, for example…
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Deposit on exchange
Hello, It says on alot of the info on the web that when you exchange contracts, a deposit is also paid to the vendor. Does this actually happen? Its just that I have moved several times and never done this. Is this because we have always exchanged and completed on the same day? Nothing has been mentioned by anyone to us so…
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Shared ownership - 99 year lease?
Can anyone advise me on why it seems to be a standard thing that housing associations can only offer a 99 year lease when they usually purchase the properties themselves with the full 999 year lease?:confused:
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Failed Credit Check
Hi all, I was hoping to move to a new rental property, but it turns out I have failed the credit check. So I paid for a report and it turns out I have a score of fair. I have always been someone that has saved for everything, so I have not had much credit, but it turns out a dispute I had with Three (the mobile company) IS…
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Octobers MPC Decision
Just got 6:1 on Betfair for a 0.25% cut. Bit of a punt as I think they'll probably wait a while before cutting, but good odds so couldn't resist!
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How to Renegotiate price after survey?
Hi, Had a survey done on my prospective purchase which identified roof replacement needed soon and then some other minor work but all in all in will come to around £6-7k. How to go back to the vendor and renegotiate, I don't want to upset them or let them think i'm not serious but at the same time I don't want to be stuck…
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serious help-we could be out on the street!!!
Hi, we have moved to a rented house recently i did an online calculator that said we would be entitled to some housing benefit. So i paid the deposit and a months rent. We have had some real problems with the benefit office, and although we are now due 2 months of housing benefit at £63 a week (our rent is £700 which is…
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what is a deed of intent
someone told me they were considering this a while ago what is it :confused:
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'Transfer of Equity'
Is this a good way to buy a house and avoid agents/legal fees? Background: My brother and I have inherited my mothers house. He wants to move into the property and buy my share under a transfer of equity - both our names get added to the deeds (done by Land Registry, 40 quid fee), then a fixed-fee (200-300 quid) transfer…
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Repossession - Bailiffs
We had our house repossessed a few weeks ago, however on the day of the eviction we were at court having the warrant suspended. The judge granted us the suspension as we had a buyer at contract exchange stage, however the bailiffs had already entered our house up to an hour earlier than stated on the warrant. The warrant…
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mortgage company paid my mortgage off for me
well almost i increased my mortgage by a very small amount i.e. less than £5,000 they put over £100,000 into my account obviously it was the right thing to do to own up but i was mortgage free for a few days. they did send me a present as a way of apology
