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Interest on BTL Mortgage
Hi everyone I have been sat here googling for about 2 hours and am still none the wiser. I have just changed my mortgage to BTL so I can let my flat and move with work. I know I can claim mortgage interest as a tax allowable expense (amongst other things) but to be honest, I don't understand what that means. How do I work…
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90% ltv mortgage from halifax
hi, 2 weeks ago myself and my husband got a mortgage promise from halifax which we were really chuffed at (considering everyone said no-where was lending anymore) we phoned to double check :o and the lady said yes credit checks came back and everythings fine, now all you have to do is find a house you like then call us to…
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Bad debt mortgage
Hi a newbie here!! Can any one give me some advice on getting a joint mortgage. I have a very bad credit rating and earn £22000. My missus has an impecible credit rating and earns £44000. we have a possible £10000 in savings and £30000 equity on our current property (approx). Does anyone have any bright ideas please. Thank…
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Problems locating one of the sellers
Hi I am a long-term reader, first-time poster. Me and my partner have been having trouble with the purchase of a property we wish to buy. We had an offer accepted by the buyer at the beginning of the month, this offer now needs to be put to her mortgage company as it is lower than her mortgage. Unfortunately her ex husband…
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lha???
How to claim for help with paying your rent if you are on a low income How many rooms am I allowed? You are allowed one bedroom for ? each adult couple; ? any other adult (aged 16 or over); ? any two children under 10; ? any two children of the same sex aged 10 to 15; and ? any other child. You are entitled to the…
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thinking about renting
I currently have a house, we was going to move but with the market falling we are thinking of renting our current house and buying a additional one. Im not going to consider this yet, but if houses fall even more i think i will be able to afford to buy one house as well has keeping my current home, i think its worth it as…
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new build advice needed!
Long post, but thought it'd be better to get all the facts down! Last week we put down £1000 reservation fee on a new build, we'd got 5k off list price, stamp duty. £500 legal fees, and carpet. We are purchasing through a 75/25 shared equity scheme with the home builder and because of this are tied to using there financial…
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direct payment of rent?
my daughter is a one parent with a family of 2 boys 5 and 12 ok. she is getting her rent paid direct to her landlord can she get it paid direct to her instead of her lanlord,if you needany more details i shall try to add ok thank you she is living in a house were it is owed by a landlord not a council or housing !!!
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Tennancy Agreement / Deposit help required
My daughter is renting a flat with two others in London. They are all named on one contract. She is on a 1 year contract with a 6 month break out clause. The contract starter Late September 2008. I have two questions, if anyone can shed some light on them please... 1. She has been told that the only way out of the contract…
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satellite view of house
Someone once posted a link to a site whereas you could look at a property online from either 3d photos or satellite photos - similar to google earth but with no downloads and the ability to look at both front and back in 3d - anyone remember it.
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Estate & Letting Agents United Thread!
Hi I'm making a new thread for agents in Sales or Lettings People looking can also enquire etc I work at a Estate Agents in Ilford, Essex that deals in Sales & Lettings I can email anyone a list of our Properties For Sale or Let - East London / Essex If you are another agent we can also do a split commission If interested…
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Advice on references
Hi, We are looking to rent a new property as we've outgrown the one we are in. My problem is that my salary pretty much matches the monthly rent and it is our only income (apart from tax credits). I understand that my employer reference will state what my salary is so I'm concerned that we may be rejected. Paying the rent…
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How this board changed my life, Thanks all!
Many moons ago (Q1/2007) I inherited some money, wanted to use this as a deposit and buy, but as a FTB was priced out of the market. I had a rant about it which attracted many replies: Here it is: http://forums.moneysavingexpert.com/showthread.html?t=472692&page=9 Well well well, how times change! Since then, I almost…
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bluffing or not?
We are in the house buying/selling process and are getting close to exchange/completion. Today I had a phone call to say that our sellers want us to complete on the 12th or they'll pull out! Our buyers want to complete at the beginning of march. We are buying from a company called McCarthy and stone (not a new house) and…
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Buying part of a property with my brother
Hi there, This is my first post but when I came across the site I had to register. It's fantastic! I have a rather complicated situation and need some advice or direction. My older brother purchased a property in the 1970's and lived there until he died last year. In 1995 my wife and I moved into the property and agreed to…
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section 21
we have been in tempery accomation for the last 4 years as we were made homeless 2 years ago we moved in to a house [still under homeless]and have ben here since had a few problems with paying rent was always been payed off by the end of each month [so no rent arears for here] on the 23 rd december we weve given a section…
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scottish housing market
Hi all, I live in a fantastic house in a fantastic village just north of Perth. I must admit I am terrified about this but I have to move house. We need to move closer to Glasgow for work. We have had a valuation from an ES and he reckons that prices in Perth have dropped 15% although he has shaved £65k off last years…
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Court Possession Order
Hi Really hope someone can give me some advice here. I lost my job back in the Autumn last year and fell behind with my rent. I let the letting agency know my situation and repayment plan but I suspect that they did not pass the information on to my landlord. I also don't believe they told him when I found a new job. I was…
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Had an offer....what is this a joke?!!
Hi All My flat has ben on the market for nearly 3 weeks and we got or first offer yesterday.....for £40K under the asking price!!! What are these [EMAIL="FTB@s"]FTB's[/EMAIL] on???!!
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Whats classed as first time buyer
Quick qestion - my partner is buying a house and will be the sole name on the mortgage. He had previously had a mortgage, but this was signed over to his ex-wife. At present he has no mortgage commitments. Would he now be classed as first time buyer? :confused: Thank you
