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Pulling together my own HIP
I'm thinking of pulling together my own HIP. Has anyone here already done it? TIA
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What offer to place on a repo?
Hi All, I'm a first time buyer with a 55k deposit. A repossession has recently come to the market at 250K that I'm interested in and I was wondering what offer I should make. My gut instinct was to go in at 200 and then place incremental bids of 2.5k up to 210, which is what I'm prepared to pay for this particular…
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Advice/ideas on moving back up the property ladder...
I am currently finishing an extension on my family house, this will make it a 5 bed detached property. Unfortunately I am getting divorced and my ex will want 65% of the equity. So once the property is finished and sold I should have around £45k to invest in my new house. I appreciate I won't be able to buy anything…
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Buying a cheaper house then current mortgage
Hi, Just trying to work out a few things, i currently have a joint mortgage with my ex for 98K I have applied to bank to have mortgage put in my own name but they wont unless i can lower mortgage to 70K. If i could sell my house and buy a cheaper house for 70K transferring the mortgage from the bank to the new house would…
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House Repossession maybe bankruptcy?
My girlfriend and I are looking to buy a house together as she is expecting our first child in July. The problem that we have is that she has a house with her ex partner (obviously she doesn't live there) that has been up for sale for 14mths. He is supposed to be giving her x amount of money a week to cover the mortgage…
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Declaration of trust
I'm not sure if this is the right forum for this, but hopefully some of you might be able to help anyway. I am a first time buyer with no intention of moving until next year. I am clearing debts and saving for a deposit whilst living with my parents. My OH is clearing debts and putting money to one side either to use as a…
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Why are EA's offices and Mobile phone shops the same
With both you walk in, especially at the moment, and instantly there are many pairs of eyes on you. Intimidating even for the most confident of people. Both have desks/deskettes on each side at at angle fully facing you on entering. Why don't they learn NOT to be so in your face on first entry. Unless you know of more user…
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Taking ex off mortgage
Hi Wanting advice from anyone about taking my ex name off the mortgage we have and putting my new partners name onto mortgage instead. would the mortgage lender do this and if so how much would it cost, Help!!
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Subletting my Shared Ownership property?
Hi all. My situation is that I made a stupid mistake 3 years ago when I bought a Shared Ownership property (50%). My life has changed dramatically since then and I moved in with my OH who owns her own house. My flat is currently on the market in CC Manchester but not selling. I've had 3 viewings so far one as recent as…
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a couple of questions on how it all works once survey has been done
OK, i really should know better as i'm not a FTB, however I have just spoke to the bank and they have agreed to give me my mortgage and the offer in writing will be with us by the end of the week. I have solicitors ready to go and they have all my documentation. The bank said once i have this offer they could be ready in…
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Cancelling the Letting Agreement
Hello I hope somebody might be able to assist me with my enquiry. I am renting a property through a private landlord (although I did go through an agency, I am paying the rent price directly to landlord's account). My 6 months initial contract expires within 1 month and the landlord proposed to extend it for another 12…
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Renting out your house
Hi all, I want to rent my house out but have no experience of doing so. I've had a few letting agents look at the house but to be honest I will still live near the property and think I could save money by not using an agent and just arranging/managing things myself. Can anybody advise me if this is a good idea (with no…
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Poor Property Maintenance Service - what are my rights?
I live in a block of 20, 2 bedroom flats, we all pay £37.50 each per month to the leaseholder maintenance company. I know our building insurance is included in this charge, but apart from a few small squares of grass being cut about 10 times throughout the year, and our windows being cleaned 2-3 times anually - I really…
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Am i doomed?
Hello, I am in desperate need of some impartial advice. My other half and I remortgaged 2 and half years ago to pay off some debts. We got a northern rock together mortgage. - (Stupid i know!) We have a mortgage for 109000 and a "unsecured loan" part for 20000 (house was valued at 125000) We have sold our house for 116000…
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How do I ask the agency to lower rent?
Hi, I just moved house with my brother and are needing 2 tennants to move into our house. The thing is no one seems to be interested as the house is quite expensive for what it is. The previous tennants were very messy and when we moved in it was so dirty. Some of the dirt seems irreversible, and the carpet on the stairs…
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Due to complete friday...someone has put in a higher offer
Got a call from our solicitor this morning. The estate agent say they've had an offer 2.5k more than ours on the property we're due to complete on on friday. So far we're just waiting to hear if the selling company are still going to proceed with our offer. It's a repossession, and there's been no firm interest in the…
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letting and buying?
Hi there people,first post so take it easy, i have read loads of info on here and we are currently in a dilema about renting our house, we have thought about it before, but now we are seriously considering it and have had permission from our lender. Just wondering whether we can take the equity out of the house we want to…
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I need some advice
I need some advice please. I have shorthold tenancy agreement will finish in July. Now I lost my job and cant pay rent. I told this in my agency(martin co) but they cant cancel my contract. And i cant apply for housing benefits as my landlord dont accept benefits(nothing about this in a contract!) what can I do? :confused:…
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Where do I stand? Quiet enjoyment all that jazz?
Ok not really quiet enjoyment related but im getting severely peed at my incompetent letting agent.. they are very pushy and seem to try and 'con' me into believe certain things that they can do.. We are moving out, and so are in the viewing/sign off stage (moving out in 2 weeks time) For example, they state simply 'they…
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New Home Price Offer
Hi All, I am looking to purchase a new build 4 bed in the milton keynes area, its on at £235,000 and on the Homebuy Direct scheme. I'm thinking of negotiating an offer of £200,000 inc stampduty and carpets. Any thoughts on whether I would get laughed at or if this would be up for consideration. Cheers neovo
