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HELP PLEASE!! Want to remortgage but can we yet??
Hi i'm in urgent need of advice. I am a student teacher at University. I am in my final year, so will soon be working (I am starting to apply for jobs). My boyfriend owns a house but it is small and we have a child together, so we want to buy a house together soon. We were going to start looking next year. However, I…
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Rent Increase - Can I Refuse?
I'm the best little tenant ever - honestly. I pay on time, I take extra good care of things and I am, in the main, quietly bimbling along, tending the property and not causing any problems. Unfortuantely I live in quite a 'dated' property and since I moved in 10 months ago a few things have needed serious attention - the…
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Leigh on Sea
Hello, am new to this forum..... we are thinking of moving to the Leigh on Sea area and would like to hear from anyone who already lives there as what it's like there, where are the best places to live, any bits to avoid and any other useful information/advice. Many thanks, Prairie Rose x
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Anyone else in the same boat?
Hello, I'm just curious as to if anyone else is in the same boat as me, which is the following: FTB buyer 4 years ago. Bought for a place to live, rather than an investment. We could afford it at the time, and still can (touch wood!). We were hoping to be able to move up the ladder end of this year / early next as wife & I…
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Rightmove email alerts
Question for you all. I am set up with rightmove to receive email alerts when new properties come on the market. My question is, if/when a property comes down in price, does that make it into their daily email, or is it only 'new' instructions?
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95% mortgages
Does anyone know if anywhere does 95% mortgages anymore? Searched but can't find any.:confused:
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Gazumped
Some of you may remember my recent thread about buying a flat in reading and having slightly cold feet. Well, i was just at the point arranging a mortgage and instructing solicitrs, and... I have been gazumped, if you can believe that in these times! apparently the offer is 'substantially higher' and is by someone involved…
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not getting rent from useless agency
hi i am desperate for some help to get out of the terms stated in my contract with my letting agency.i started letting my house out end of october .the first payment was received fine.ever since i have had trouble getting my money of the agency .they are always late and in sick of having to chase it up.i havent got…
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Remortgaging an existing buy to let mortgaged property
Hello I have a existing BTL property that I have just remortgaged to a different building society without increasing the loan. I would like to know as a landlord what costs I can claim back against tax from the list below. New mortgage building society valuation survey fee Mileage to meet surveyor for valuation survey…
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Need to know how long somethings been on the market
AND try to calculate what i think its worth as I feel it might be overpriced whats the best way to do this
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Rented rooms in Leyton, East London, advice needed
Hi I am selling my flat (fingers crossed it all goes through ok) and buying a house in another area with my boyfriend. He has 2 adult children at home on fairly low wages, he will be giving up his council house where they all live as he has been told that he cannot transfer the tenancy to them. we have been looking for…
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Shared Ownership For Key Workers
Hi all Before automatically replying "Share ownership is rubbish" please read my situation. So I am a key worker, and my mid 20's and really need to move out to my first apartment. I have a 10k/15k deposit saved, and 21k per year, or 23.5k with the London key worker extra money I recieve. Getting a mortgage on a place for…
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Capital Gains and Working Tax Credits
Hi If after selling a property and paying the capital gain tax owed, with a capital gain of approx 20K - would this affect the amout of WFTC paid. I.e. £6k of WFTC in the same year as the capital gain - would it have to be repaid. Many thanks
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Council Tax dilemma
I have recently moved in with my girlfriend and want to know about how Council Tax would work - thought I'd ask on here first before going to see them. I'm still paying Council Tax and my property - it is on the market to be sold but as you can imagine, that's not really moving anywhere. My girlfriend is also paying…
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16 year old lodger - legal?
I've had a lodger at my house now since last august and all's gone fine. Some ups and downs but nothing major and I desperately need the cash so it's a necessity as far as I'm concerned. When she moved in she told me she was 18 and I had no reason to disbelieve her. I put her on the electoral role and told the council tax…
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Freehold and Leasehold Problem!!! HELP!!!
Hello, I need you good people's advice! I am in the process of buying a house but there is a problem. The vendor owns the freehold AND the leasehold. The freehold is absolute, but the leasehold is just good. It is a fairly old property and there is a gap in the lease from 1905 to 1927, which means that it may be impossible…
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FTB - sale agreed, question....
Hi all, Just in the process of buying our first house and have a q for you all. We are buying a house that is a P/X and now builder owned. The family who p/x'ed it are still there until their house is completed in march. Now my question is this: We have today got through a load of things from our solicitors including a…
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Tenancy contract & legal status
I have found out that my LL's mortgage lenders have not been informed that he has been renting out the property. As far as they are aware it is his primary residence. Surely he needs their agreement to let out the property if he does not have a buy to let mortgage or similar arrangement? As the Halifax are completely…
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shared ownership question
help I need some advice,I currently own a 20% share in a 2 bed house with my husband and 2 children,the house is tiny and we want to move sometime this year,when I contacted Estate agents for fees it was going to cost around £800 to sell the property only to get nothing back as the house price has gone down,we are…
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Areas in Belfast: Advice
Hi, Sorry if there's a thread somewhere here where I could have added this query, but I couldn't see one. Looking to rent a place with my girlfriend and we've found a place in Rainey Way in Belfast. It's in a little enclosed group of streets behind the car park that is near the cinema on Dublin Road. The flat is great but…
