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Can Halifax run credit check without authorisation??
As above. We went into the Halifax on Friday, this is where both myself and my partner bank. We are looking for a mortgage and so enquired about theirs. They gave us all the figures etc...we stated that we didn't want a credit check done as have heard that this can reduce your score etc and they assured us that they were…
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when do we hand over deposit?
Probably a really stupid question but we are FTB's and unsure. We have our 10% deposit and were wondering at what stage we transfer the money over?
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Do all Lenders look at the last full 6 years??
I have 2 marks on my credit file, one from 6 years ago this July and the other 5 years ago. Do all lenders look at the full 6 years or do some perhaps look at the last 3 etc??..many thanks
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Renting - Credit Checks
What exactly do they look for in the credit checks when your going to rent a property. Is is just your credit score they look at or do they actually look to see if theres any adverse credit, missed payments etc. The reason I ask is I'm looking to rent, it will be through an estate agents. I have no adverse credit,…
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Any EA's out there?
Trying to look ahead to the long term at what a buyer would really want and what would give our house the best selling power eventually. Intention is to convert a 3 bed (2 tiny singles & a tiny bathroom) by knocking one of the singles into the old bathroom to make a decent size bathroom and adding 2 beds with a shower room…
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Odd Demand For Money From New Freeholder
Just wanted some advice about something if anyone can help. We got a letter yesterday from the freeholder of our property demanding £110 for Land Registry Fee (£10) and Notice Of Assignment & Notice Of Mortage (£100) with a due date of 14 April 2008 for both. There was a footnote written on the letter saying: "Your…
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New Build Property – SDLT & Incentives - Advice Needed
When a purchaser is offered incentives by the developer (i.e. 5% deposit paid, SDLT paid, legal fees paid, etc.) the actual purchase price is reduced and it is this reduced figure that should be registered at the Land Registry and the incentives also informed to the lender. I cannot find any information on which figure…
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Anyone know of any good non fee paying property selling websites
Anyone know of any good property selling websites? Preferably ones that don’t have a fee but doesn't matter if not. And can you please tell me how these are regulated and by who? Thank you
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Making an Offer
Hi All I'm planning on making an offer on a property that I've had my eye on for a while. I've been around to see it and the area is up and coming and I think it's a good investment. The only thing that worries me is that on the brochure information it says that none of the appliances have been tested in the house. So if I…
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Can you check out a landord?
Is there any way you can check out if a portential landlord is legit? I have posted a wanted ad on a local website and have had emails of property that seems too good to be true..I know the old saying. I was just wondering if there was some way I could check out this guy before agreeing to viewings etc. I had this feeling…
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removal costs, south to north.
Hi -- I am soon moving 230 miles north (Berks to Lancs) and I am getting removal quotes close to £1000 for a small 1 bed house :eek: It seems that the distance is the factor, the amount of stuff I might have seems almost irrelevant to the quote. I do have white goods + bed + basic furniture etc, so man-with-transit-van…
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Jumping off the property ladder- are we mad to even consider it?
Sorry if this question has been asked before but I'm new round here. Here's the thing. We bought our house for 35K ten years ago. Now on market for 150K. So if we sell for 140K we have approx 100K profit- which we have been intending all along to put towards buying somewhere new in the area we're moving to.Thing is, with…
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Previous owners have lots of unpaid debts !!! -Really !!!!ed OFF
Hi, I really need help. We've moved in half a year ago. I opened a letter of the previous owner, out of curiosity.. shocked to find out it's court letter chasing him for the unpaid depts, opened a few other letters !!! .they are all the same !!! :mad: .. on one letter, he even owned 6000 pounds !!.. I am fainting now !!!…
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Advice on house selling to a friend
My mate wants to buy my house. Its up for 155k but Id accept 145 ish from him. My mortgage balance is 119k I owe my parents 22k for a loan on doing it up. As you can see I aint gonna come out with anything but I just want rid cos Im not livin there an its costing me 1k per month. Total I owe will be 141k. If I sell the…
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A bit weird
I check new properties coming on the market in a few places, including Halifax, as that's where DH works (and yes, he does work where you think he does, but he is not a banker ...). Anyway, if W Yorks is of interest to you, look at the listings for Halifax today on Rightmove. Masses. An agency I don't know (Brearley-Brown?…
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Interest on refundable Council Tax?
Hi, all ... first posting on here! We've just had our CT banding reduced by TWO BANDS!! :j Backdated (I presume) to 1993, when it first started. No idea how much is due back to us yet, but it'll be a few thousand. I wonder if anyone knows whether or not we can claim interest on the overpaid sum? Thanks!
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Anyone can do it...
... says bus driver millionaire. Click me I'm a linky GG
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Asbestos Roof
Were in the process of buying a detached bungalow with a detached single garage. The property was on the market for £230,000, they accepted an offer of £220,000. We’ve just had the survey report back , it has highlighted that it is an ‘asbestos roofed concrete garage’ and pointed out that some repairs to the roof covering…
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Advice on leaving our current property please
Firstly I really hope you can understand what I post as I am absolutely terrible at trying to explain myself. I will also give you a little background on why we are moving out, and the current state of the property... in hopes that will help you be able to give me the advice I need. I'm a lurker of the forums, so I know…
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Landlords &Tenants please advise
Hello Landlords and Tenants, I gave notice to my LL to move out by the end of next week when my tenancy agreement expires but I might not be able to do so! He has a new tenant already lined up and yes, i told him that i might have to stay a bit longer. What happens in this case scenario? Thanks,
