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False info on HIP pack discovered
I have recently purchased my first home. The house is in good condition, and the home buyers report also suggested this, with very little work needing doing. However, having had the keys, and looking at all the small things you never notice when viewing, I've found that the boiler may not have been serviced since 2000. It…
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Mortgage account fee - !!!!!!
I met with two MAs who both recommended the same mortgage. 4.99%, no arrangement fee, no valuation fee and £250 towards conveyancing fees. Reading the Key Facts document sent today, I saw a fee for "Mortgage Account Fee" of £225. How is this different to the arrangement fee? There is also a "Lenders Conveyancing Fee…
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Anybody watching 'New Homes from Hell 2009'
Just watching New Homes from Hell 2009 on ITV. Rotting timber frame in London (now up for sale), a without-mortgagees-consent rented house that was turned into a cannabis farm, leaking flat in the centre of Birmingham and now a man in Yorkshire who was converting a barn in the village he is from originally who took down a…
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Advice on new mortgage / getting out of old
Hi all, Just wondered if anyone could give me some advice. I am currently in a home that I've had for 5 years, in that time we've seen it's value go up and sadly now back down again. But, on the positive note bigger houses in the area we really want to live in have come down also and are now reachable for us, whereas 6…
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Being played
I'm currently looking to buy a new flat. (1 bed) I made an offer on a new build which I quite like. Its quite small but its really nice. close to work and good(ish) area. I was going for an identical flat 2 stories up which was asking 265k. I offered 240k but I never got a reply. 3 days later i called to see what was going…
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House exchange instead of sale? Advice please
I have been trying to sell my house for 15 months now, without success. Obviously in that time it has gone down in value. I have a mortgage that I can take with me when I move so am thinking of trying to exchange my house instead. I need to move to a town about an hour away from where I live now. Has anyone else done this…
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Unsure what to do re survey and EA
Spoke to my IFA today about arranging a mortgage and survey . She asked me about getting the go head on the survey and asked about the seller's postiion. I was unsure so she called the EA who told her that the seller has taken time off to look for a property and we should go ahead with the survey. The EA has had the…
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KeyHomes East - Mychoice Homebuy scheme
Hi all, This is only my second posting, so apologies if I'm posting this in the wrong place! I'm currently applying for funding through KeyHomes East (as I'm sure many of you are) and have been concerned by the lack of communication. I know they have a slight backlog, but cannot gain any more information from them than…
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I wanna homeswap from chelmsford to stevenage
I want to swap my one bed flat in south woodham ferrers near chelmsford essex for one in stevenage anyone know of anyone interested please help
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When can we leave our rented property?
We are wanting to move from our rented property. But have just started a 12mth contract. Its shorthold. We are wondering if theres any chance we can get out of here...Living here another year will cripple us and also we are having to commute on long journeys to our kids schools...More of a nightmare than we first thought.…
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Splitting equity on break-up - help?
Ok, as briefly as I can manage... gf and I bought house for 105,000 in 1999, 95,000 mortgage and equal deposits. we paid equal shares of mortgage until we broke up in 2003. The house was valued with average of 3 valuations at 225,000 but we decide not to sell Since then we have kept the house on in joint names but I have…
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Buying in Ashford Kent, Advice Please
Hello, I am looking to live in Ashford Kent. Can anyone who knows the area give me some feedback in terms of good area's and bad areas within Ashford and what to avoid. This is not an immediate buy, but I am looking around for a good deal. Thank you.
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Rental query - scuffs on the wall.
The hall corridoor is so narrow that I scuffed the wall with the sofa when moving into the property. It will need to slightly filled (as the scuffs are slightly indented into the wall) and repainted. The hallway is massive, ie - the ceiling is very very high, so repainting the entire hallway is a big job. When I move out,…
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Share Buy with Daughter
I am about to receive an inheritance so will be coming into some money - just at a time when interest rates are pretty poor. I could blow the lot on a brand new Aston Martin but, in reality, think I should do something more constructive. My daughter and her partner would like to get on the property ladder, but can't afford…
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Does this sound like a scam? Overseas landlord
I'm enquiring about renting a property, and the landlord says he is overseas. It's a good deal, and I'm very keen on it, but haven't viewed anything yet. This is the last email the vendor sent to me At first I thought this screams out scam, but as I understand it, he is asking for me to wire the funds to someone else, and…
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Planning pernmission, enquiry fees?
Anyone come across this before? I've found what good be a good prospect for us but would need planning permission. All the other councils I've spoken to have been happy to have a five minute chat about the prospects and whether they would be pleased to see an outline application, or not, for that property, but the council…
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Valuation/Survey Recommendations
We have had an offer accepted on a property, mortgage accepted and survey / valuation took place a few days ago. We took out the 2nd option type valuation/ Survey (Homebuyer) where they actually go into the property. The following inspections have been suggested as a condition of the mortgage a). Instruct a specialist…
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Problems with landlord / apartment managemnent
Hi All, Please bear with me as I explain the situation… I rent a 3 bedroom apartment along with two of my friends, we are all young professionals. We keep the flat in really good order and it’s in a great location so we don’t want to leave it. We began renting the apartment in July 07, found the apartment through a letting…
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CIFAS Warning causing worries
I am a newbie here and looking for some help to try and put my financial life somewhere near to back in track! Last year we tried to get a sub-prime mortgage, but we had a copy of our credit file sent to us by the mortgage broker and it showed that there was a CIFAS warning against us from Welcome Finance (I had a loan…
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Is there any reason to be optimistic about house prices at the moment?
Is there any reason to be optimistic about house prices at the moment? I'm not asking hypothetically, I'm considering the question in the light my real-life situation. Months ago, I put my house on the market, the plan being that if I found a buyer I'd pocket the cash and wait for prices to fall. I have now just agreed a…
