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differance between yourchoicehomebuy and ownhome
I am confused between yourchoicehomebuy and ownhome schemes. We already applied for yourchoicehomebuy but not sure if ownhome was better scheme now after reading more. Did I understand right that you dont pay anything for 5 years with ownhome except your mortgage payments. With yourchoicehomebuy you pay %1.5 first year and…
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Mad Arrogant Lying Man Taking My Sister To Court Over Rent, Deposit, Expenses!
My sister took in a lodger just before Christmas and took one month deposit plus one month rent in advance. She charged a very reasonable rent which included all bills, gas/electric/CT/Internet etc....... She told him that it was one month's notice either way when leaving but she was looking for someone for a minimum of 6…
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Just put in an offer
Hi all I put an offer on a house this moring and am biting my nails down to the elbow. The house price is £190k. The homeowners have done a part-ex with a housebuilder so the offer has gone to the housebuilder. I offered £170k. The estate agent laughed at me on the phone and said there is no way they would accept this.…
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Moving and renting out current property?
Hello all, We have a nice 2 bed flat in Cornwall but want to move closer to the sea. We bought our flat in March 2006 for a £119,000 with a 5% deposit. In Augustb 2007 the flat was valued at £130,000. The current mortgage is £116,500, the flat now is probably worth about £110,000. Our mortgage is a 30 yr open ended tracker…
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Housewsap Website Is a JOKE!
I keep getting SPAM from a Houseswapping website trying to get me to pay to join. I've emailed them and told them to take me off their list but they still keep spamming me. I did have a look at the website and talk about have a larf!!! The sellers (or swappers) on there stick their own value on their places, then even if…
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Has anyone use Zoopla?
Hello, Has anyone used Zoopla to check on the house price of the property you are interested in buying? We have seen a 3 bed semi that we are interested in making an offer on- the advertised price of the house is £224k. But when I checked on Zoopla, the free valuation they provide on there comes in from 149k- 178k. I can…
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council tax
I pay Council tax by direct debit each month for £40 (single person). I checked my bank account online and see that the last time I have been debited was on the 26th of January. Looks like they missed out February (so far). Anyway should I do a pre-emptive move or sit and wait awhile, and see if this is rectified from…
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Shared Ownership - Increasing stake
Hi I currently own 50% of property and am interested in upping my stake to 100%. I need to understand what deposit I will need to increase from 50% to 100%. I am assuming I will only pay deposit on the extra 50% i am buying but if anyone can clarify that would be great Thanks Ed
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Rent Private or Buy from Family?? Help!!
Hi, I am new to this but apart from seek professional advice I don't know what else to do! I'm screaming inside!! My husband & I, & our 2 kids currently live in a nice small 3 bed house which we rent from our father. We've been here 4 years and so far have paid around £20k in rent. (in which all the pros & cons are…
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Thoughts, Opinions please
Hello, have a joint property purchased sep 06, we have now split but both paying onto the mortgage and im living here at the moment, with the rest of the bills. can anyone offer any advice on the following scenarios or what they think they would do ( I realise it is not what others would do but solely ours, but just…
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Letting out current house, can I buy another?
Hi, I am currently letting out my house as my husband and i have temporarily relocated. Next year we intend to move back to our old area but would like to buy a new house. As selling houses seems to be hard at the moment I wondered if I could buy a house to live in whilst keeping my current property as a buy-to-let. I have…
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Rent, Loan and Buy new
Hello, I am new to this forum and was wanting some advice. Me and my finacee currently live in a house which when purchased in summer 07, had 10% equity. THis has probably reduced now but by only a few thousand. We want to move house to something larger, as our current house is small and making us depressed. Due to the…
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Buying a repo...advice?
Evening, Like many others, I've been a long time lurker...but only now taking action as something's happening in the real world! Any advice/thoughts much appreciated. :-) Am hoping to offer on a repo - but would appreciate some advice on the offering process...and EAs... Its been on at £105,500 for almost 3-4 weeks- would…
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Repossessions?
How do you find out about houses that have been repossessed? Do they tend to be auctioned? I know that sounds like a horrid question but i'm interested in the price of such properties?
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Landlord threatening court action (I never signed a contract)
Hi I am new to the forum and hope some one may help me. I have lived in rented accommodation for 12 months. There was never a formal signed contract as I was previously renting the flat upstairs and the new landlord said he would sort something out, he never did. It was a verbal contract. My landlord is also responsible…
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anyone know a website tennants
hi my tennancy is ending soon and as there was no inventory done,the estate agents have not been paid by the landlord to do one. but my deposit that i get back is still subject to the landlord agrees the house is ok,which it is is there a form i can download somewhere that i can print off that he can sign that agrees the…
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Sell and then Rent?
Hello, Me and my family have now out grown our current home and decided in January to put our house on the market. We priced it correctly with good agents, but still expected a bit of a nightmare. However, thankfully we sold it in less then two weeks. The problem has been finding a property to buy. We live in mid Suffolk…
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Unable to Complete - now being sued!!
Hi wonder if anyone has any suggestions. I was unable to complete on a flat purchase (new build) as I could not get the mortgage as I was unable to raise the BTL Deposit. I have received a bill from the builder for £10630.00 giving me 7 days to pay or they will commence court action! I do not have this money infact I would…
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Some advice needed please....
Hi all, I need some advice about the following please.... I am living with my parents at the moment who live in a rented (council) property. They have the option of being able to buy the house from the council at a discounted price. I am interested in being named on the mortgage (which is possible because I have checked)…
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New build .. what order to do things?
Hi, Thinking about starting to negotiate on a new build property. I'd appreciate some help as I'm confused to exactly when to do things! - We want some modifications to the house (small things, outside tap, an archway in one wall between two rooms, extra sockets, loft ladder, etc). Do we negotiate the price then mention…
