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The tax positon on Buy to Let
I have a joint mortgage with my partner who is not employed. I am employed and as such pay tax on my income. My partner receives no benefits and as such has not used any part of her tax free allowance. We have a buy to let property and upon speaking to a mortgage broker I asked him how HMRC would view the rental income in…
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Advice required re the deposit scheme for tenants
Can I ask for people's opinions here please. Basically I have a BTL mortgage and had an existing tenant prior to the change in rules that applied as at 01/04/07. The tenants agreement came to an end and we continued without one on a rolling basis. Anyway as the tenant received housing benefit he required a new one so I…
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Advice needed-Need somewhere to live
Hi, have been reading some threads and some of them are similar to our predicament. We are having to sell our house due to a v.large bill. It is the only way we can pay this. This is fine.....new start and all that. We have registered with the local council but the waiting list is 24000 long. We have signed the contracts…
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Bit concerned
I have lived in my current property for 3 years now. My contract starts again January 6th of each year. Every year before I have had a letter offering me another year to let the flat however I have had no letter this time around, just a phonecall from the letting agents asking me whether I want to rent the flat still. I…
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Advice needed on poorly maintained rented house
Hi, I need some on advice from those in the know please, both tenants and LL alike! Me and my housemate are renting a 2 bed mid terrace in Stoke on trent, for which we pay £360 PCM. The landlady is a friend of ours. When we originally moved in, the house was said to be refurbished. 18 months on, we have realised that she…
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We're moving to Ireland, what's the chance of a mortgage???
me, the missus and the little one want to move to ireland. we have about £200k to put spend on a property but an extra 50/60k would help. does anybody know how or if we would be able to get a mortgage? we currently have no promises of employment but we are looking and guess having a job we could walk into when we get there…
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sell tenanted or empty?
I have a 2bed house I am hoping to sell soon. Its currently rented out to a nice tenant and i'd be happy to sell it tenanted or untenanted, the big problem is the house needs a fair bit of work. It has part double glazing (all but the bathroom and kitchen windows), new doors, gas central heating.... but the wiring is old…
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some questions about "housemoving"
Hi finally sold the flat (horray) and pushing for exchange so we can escape the chavs in our area. Anyway, saw a house yesterday and offered on it at 5k below - which was accepted. the house is refurbed and therefore needs nothing doing to it. just a question or 2 about the complexities of the transaction 1) do we need to…
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Buying a council house
Hello My 1st post on these forums! My girlfriend lives with her mum in a council house. She isnt on the rent book yet, but has been paying rent to her mother for over a year. Is there any possibialty that she could buy the council house on behalf of her mum? If not, is there any way around this? She doesnt plan on doing it…
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What Should I offer
Can anyone give me a little advice: My wife is interested in a house in the precise village she wants to stay. The house has been on the market for sometime and was recently reduced in price from £210K to £200K. The average for a good cond house is £210-£220. The house requires at first glance - Carpets throughout, all…
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Multi-agency - When are we Introduced ?
We are contemplating buying a house that is being advertised by at least 5 different agencies on the web. Before Christmas we approached one agency (Agent X) who showed us around the property. We discussed that we may well put an offer in once we had started marketing our own property in January. Agent X is a one man band…
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Boundaries
Hi all Recently moved into a house with a garden that backs onto a private road. The road only has garages which are rented out to locals to park their cars. Now, the boundary between my garden and the road is ill-defined, the deeds are not much help, the land which is now my garden having been purchased over 50 years ago…
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Quick cash buys
Hi Does anyone know of a company that buys your house for a quick sale? I have a house for sale in the North west and I am basically just wanting rid, I would say there is about 40k profit in it. as was valued 3 times all just under 239k and I just want to pay up the mortgage so need about £180k ish My mortgage is up in…
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Moving Back Home!!
Afternoon all, Me and my Girlfriend are 23 and we are expecting our first child on the 9th of June :) . After Renting for a year and a half we have decided the cheapest and more sensible option is to move in with the partners Mum and Dad's @ £80.00 all in per month each instead of £550 + Other Bills. Is this the most…
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How much deposit do I need?
How much deposit would I typically need for a house worth between £100,000 and £130,000? Do deposits vary a lot between estate agents etc?
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need to end contract on rented property
Hi I rent a property, that we kind of was rushed into. We have lived here for a year and renewed the contract for another 6 months which will end in July. The thing is we are finding it very difficult to live here now. It doesn't have central heating or double glazing so it is freezing unless we have the gas heater on full…
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Auctions
Hi everyone I am looking for some advice, I have a property that I just basically want to get rid of, due to money issues we are considering renting as being the best option for us. Our house was valued by 3 independant estate agents at 230k, 235k, and 239k as it is a 4 bed extended detatched in a nice area, admittedly the…
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Capital Gains Tax on Proceeds of Sale
Hi, I bought my house in 1988 for £85k and it is now worth approx £200k. I would like to sell it and live in rented accommodation. The reasons for doing this are; a) I will become a first time buyer (chain free) for another property enabling me to be in a strong negotiating position. b) House prices are falling so I want…
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Can other people affect my credit score?
Hi, I'm a serial renter and I have a few issues relating to my current landlord and previous tenants of the property in which I am currently living. I've lived in quite a few places since graduating from University seven years ago, due to job location, changes in personal circumstances and (in about 50% of cases), dodgy…
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Download Tenancy Agreement (.pdf)
Does anyone know where I can download one from. ta :beer:
