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Any advice would be greatful
Hi 6 weeks ago i moved in to a private let which is being paid 4 by housing benefit the landlord knew this before i moved in and was fine with it so when i moved in i gave her 650 as deposit and now hb has come through she is not happy because they work 2wks in arrears where as she wants a month in advance and was not…
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Repo's?
Are there any good websites where you can view repossessed houses to buy please? Thanks in advance
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selling a garage
We have two sets of neighbors who want to buy a garage that belongs to us. How do we get the best price for it without annoying the neighbors who don't get it? Secondly, when we moved into our house five years ago, one of the neighbors wrote and asked if we would sell the garage. At the time we didn't want to sell so we…
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Should I buy my house now or later?
Can anyone offer me some advice please. I am living in a housing association home. Up until last year it was council so I continue to have the right to buy. I would value it currently at 200k and not so long ago houses in my street were selling for as much as 250k. We are entitled to 16k discount. Now here is the killer…
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Need Some Advice
Hi My husband and I are having to look for a new place to live as the flat we currently live in is (1) not really adequate for a new baby - i am due in april - as the heating bills are massive, we have very draughty windows that just about shut and other issues with the place; no carpets, windows that dont open, windws…
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Tenant guarantee
Hello, Does anyone know anything about tenant guarantee. http://www.tenantguarantee.com/home.htm I just discovered it because I have a difficult tenant who has not being paying her rent and I live overseas now. I was wondering if there is some kind of way of circumventing this nad i found the website above. Has anyone used…
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First time buyer to rent out apartment
Hello everyone, I’m 21 and new to this but I was wondering if it was possible for a first time buyer to get a mortgage for a studio apartment and rent it out. Also is it possible for the rent to cover the mortgage and the other fees? Basically I would like to break even or even have a small profit if thats possible? Or is…
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Family land in Slovenia
Hello, I hope someone can advise about this as I don't even speak the language! My mother and I are going to inherit a small vineyard which belongs to my Grandmother at the moment but are struggling with the language barrier. Need to confirm legal situation and whether there are problems with already having a tenant…
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Residential Indemnity Policies
Hi I am in the process of purchasing a property that requires two indemnity policies. The seller has said that there is no problem getting the polices however it has been over two weeks now that we have been waiting for the policies to arrive in order to continue with the sale of the house. Does anybody know the cost of…
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Stamp Duty - FTB just over the threshold...
Hiya My partner and I have found a flat we love, we put an offer in at £175,000 but had it rejected, so we've finally agreed on £179,950 and we've completed our mortgage offer. Just waiting to talk to solicitors. Now, we will owe Stamp Duty at 1%, a total of £1795. BUT the flat is being sold to us with ALL the white goods,…
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Transfer of lease
My Mother recently died leaving a leasehold property to her 3 sons. We would like to initially let the property, while the market is in recession. We are concerned that the management company will charge unfairly for this transfer, as they charged £900 just for a valuation last August, with a view to extend the lease. Do I…
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Shared Ownership advise please?
Hi All, I had a defaulted credit card about 2 years ago which was settled in Nov of last year, Myself and my girlfriend are looking into a shared ownership of a house, The house cost in total £182k, However we are only wanting to borrow about £48k (Which is less then our joint income in 1 year before tax) We have booked…
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FTB mortgage - do I have to have one?
I'm a potential FTB. I've read around about FTB mortgages. What is the difference between those and one which isn't labelled FTB? I'd assume it is that you are unable to remortgage? As a FTB must I go for a product that is labelled as FTB, or is everything available to me if I qualify for LTV and earnings multiple? For…
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Question about rent/service charge
Hi everyone, I recently moved into a shared ownership flat where I pay rent and a service charge to a private company that is a sort of quasi housing association. I gave them my direct debit details when I moved in (September) but they haven't taken any money yet. My question is, and I'm hoping that a friendly lawyer may…
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Approach Landlord Direct or via Letting Agent?
I am considering purchasing the current long-term rental property I currently occupy on a Fixed 12-month basis. Now, obviously the Landlord may choose not to sell, and I will cross that bridge in due course. My question is, (when I've made up my mind whether I want to buy), would you think it more likely to succeed if I…
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Private rent or housing association?
I am currently renting from a H.A rent is just over £400 a month, I have noticed that private rents have come down alot just recently, while my H.A rent will go up again in april. I could get a slightly bigger house in a nicer area with a big garden for £100 more. At this rate my H.A house will cost more than private…
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Renting Flat: Caught fire
Hi All, This morning I woke up to a thin layer of soot in the flat... the kitchen is absolutely covered and the little utility room that has a boiler with a few towels in it has been annihilated!! During the night our timer (which controls when the boiler is turned on or off) caught fire and and has totally melted off of…
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Buying a property FOR a parent
We are looking to buy a property for my Pensioner Father to live in but dont know the best way to approach this. He currently lives with us. Our first thoughts were to get a buy to let mortgage in our names (Hubby and I) however my Father will only be covering the cost of the mortgage via his rent to us and thus we will…
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LHA - any tips?
It's coming up to a year of LHA being paid direct to tenants. This started off as a total disaster for me (chronicled elsewhere) though it has stabilised now. If I put my experiences / tips, I wonder if others could do the same. I should explain that I live in Swindon where there is a huge overhang of unsold houses that…
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which name for house to go in?
HI I am looking for a bit of advice. My son was left a large sum of money by inheritance last year. As his NOK i am the administrator and my brother the co administrater. As all investments i had the money in have ust plummeted recently it terms of the interest, i am looking to buy a preoperty to rent out on behalf of my…
