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First time buyer: key worker, how do you afford monthly payments
I live with my girlfriend, and we rent a 2 bedroom house which is £750 per month. We are both key workers, although I don't want to use the keyworker scheme as I've heard negative things, such as how much of the home you actually own, etc... I've looked briefly at some mortgages and I think I used a calculator which said I…
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100% Insulation Grants - Cornwall
I had a phone call today, yes Sunday, from a chap working for the Cornish District Councils - he mentioned Carrick and Caradon DCs. One of our tenants has applied to have his/my loft insulation upgraded and they need the landlord's permission to carry out the work. I was only too happy to oblige, and also passed on the…
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Rent deposit schemes?
Hi there, Does anyone know of any rent deposit schemes or anything alike that are aimed at working class people that aren't that well off financially? I only ask cos me and my partner are in private rented and had a baby 6 weeks ago but the small space and storage heaters which are next to useless, are making living…
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Vile smell from next door
Need some advice. I'm not the calmest of people at the best of times and before I go charging round to my neighbours house I though I had better get some proper advice. Over the last few months I have noticed a "smell" everytime I went into my utility room, at first I didn't know what it was, I knew I had smelt it before…
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Is it ok to buy the bank repossessing house?
Today, I viewed a repossessing house at asking price 175000. How much can I get off for the property from bank?
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How long from offer to exchange?
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Independent - Time to batten down the hatches
That last line reflects exactly what I stated yesterday in response to high prices being sustained by a thirst for housing. Time to batten down the hatches
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anybody know any websites to advertise house to let
hi all currently using gumtree to advertise a house i wish to let online. Are there any other good websites that i could use. thanks
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Is there a website for repossessions?
Hello, With this doom and Gloom, I would like to know if there are any websites for repossessions? I'm looking for my first house up to 140K Cheers, TB
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It won't happen unfortunately.
We sold to rent in January this year, it wasn't so much tactical, we were kinda mithered to death to exchange then got gazumped after we'd exchanged. So we moved in to this rented house where i am now. I've been watching this forum very closely all year and for a minute there i thought prices may tumble. I feel now this…
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Surveyors and liability
When we bought our house 1 year ago the homebuyers survey recommended a structural survey. One of the things to be checked was a wall crack off a window. It was inspected by a structural eng who said it was a plaster crack. It's since got worse and there is a hairline crack on the outside in the render as well. Do we have…
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Another TDS query
I had rented without incident for about 20 months. I had a new contract every 6 months, the last one in May 07 until November 07. I wrote and told the LL agent I was vacating December 07, so my contract ran on a month. All round were happy with this. I have just received a letter saying they are going to keep £250 for new…
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Seperating - Joint tenants
My ex-partner and I bought a house together as beneficial joint tenants in the Spring time of this year. She paid less than 1% of the deposit, and made no contributions to the mortgage or upkeep costs despite making more money than me. We are now in the painful process of seperating. Does she automatically get 50% of the…
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Rent - Standing Order
I didn't cancel my standing order for rent in the last month of my tenancy as the rent came out two days before I was due to move out and I was busy thinking about moving! (and for some reason I thought i had a direct debit set up instead as the estate agents set it up) Now i have no money left for Christmas : ( How do I…
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could i do this?
hi all! me again! I have had some hassle with landlord as i have previously posted, we will be moving out next month - already have a house rented, ready, my husband has come to the conclusion that the landlord is going to come up with anything possible to get at us and give us hassle getting our deposit back - I am…
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HIP's PACK, cheapest I could find.
I have just put my house up for sale and was told I needed a HIP pack, I shopped around and found that EP-Grp.co.uk were the cheapest I could find at £285 plus VAT. This was for a complete pack with the energy certificate included. Has anyone found anywhere cheaper where I am dealing with real people. thanks
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Agent failed to register deposit with TDS - What now??
Hi I've been out of a rental for approx 3 months - there is an ongoing dispute regarding £100 of the £900 deposit. I disputed what the Landlord was claiming money for then he changed what he wanted to claim money for. The agent (Yourmove) just supported the LL no matter what he claimed money for. I finaly refused to…
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cash??
HI,hOW MUCH CASH CAN I LEGALLY TAKE OUT OF THE COUNTRY, I HAVE THE CHANCE TO BUY A PROPERTY ABROAD AT A GOOD PRICE FOR CASH? How much can i take out of my bank in cash at anyone time or is it any amount? i know for large sums you have to pre-order cash. I need about £70,00 not sure what it is in euros. Smudger
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FTB - Solicitor Charges
Hi, Due to a change in my financial circumstances, I am having to pull out of purchase of a house in scotland. We had an offer accepted on the house thru the solicitor subject to survey. Survey clause was lifted on monday after the survey came bacl, and we were awaiting property sale conditions from the other solicitor.…
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"Offers in Excess of" in England
Hi, I understand Scotland has an 'offers over' system where you can expect to pay around ~20% more than the written price, but is it the same for houses in England listed as 'offers over'? The house we're looking at has been up for sale for around 7-8months I think, and has had several reductions taking it from about £130k…
