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Swapping houses
Hi, I need some help on how to save money on swapping my house. I want to exchange houses with my brother, there is no money involved, regardless of property values. We have physically exchanged, but now comes the legal side of things. Im not too clever on that side, friends are saying go to a solicitor, but they are…
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Renting My Property - What do I Tell Bank?
Hi all, I will shortly be renting out my property and need to know what, if anything, I need to tell my mortgage provider. I assume that i need to switch to a buy-to-let agreement but will I get into serious trouble if i just go ahead and rent it without telling them? My mortgage is currently so low that i'm reluctant to…
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Looking to Rent - why are so many properties advertised as no DSS?
Hi all I am looking for advice regarding renting (I have been in owned properties for many years), so (due to complicated personal circumstances) am going to rent, once I have sold my house! Just browsing at rental properties locally available it seems that so many of them are advertised through LA's with the condition -…
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how do i find out a landlords name?
Next door to me there is a dog that yaps and barks and whimpers all day. sadly the people who rent it don't seem to mind the noise but the other 3 flats that are attached to it do, one of them has even moved out because she couldn't take it!!!! We'd like to complain to the landlord, but can't find out anything about him,…
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Leasehold clauses - where do i stand?
Im was looking at converting my 1 bedroom ground floor apartment into a two bedroom poroperty. It requires no external structure changes or internal supporting walls to be moved. What it does mean is that the bathroom would be relocted, and a stud wall will be moved. plumbing is just a case of feeding it through the new…
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Morgage application - LL reference mess up :(
My bro and his fiance and I moved in to a 3 bed place June 2007, rent went from his account to the LA. His fiance and I simply transferred our share to him each month. Two months later we got a later from the LA saying that the LL taking over the management of the property as he was moving back to the area. In December…
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LL Wants Fixed Contract, I Want Periodic
As above really. Contract ends on 8th May, he wants us to sign another 6 or 12 month contract (at a guess with transaction costs falling to us, something I would be negotiating away anyway). I want periodic as we are looking to buy a house anyway, plus we dont particularly like the house we are in, as there are several…
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damp course companies
h ieveryone i recently went through the usual mortgage stuff and found myself at the hands of some very big companies trying to rip me off for damp course and timber treatment works and i was surprised to see a company who seems to think like us IE saving money I had all together five qoutes from some of the major market…
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To become private landlord or use letting agent
Hi Folks I am currently trying to figure out if I should become a private landlord, or should use a letting agent. Can anybody please point me to a good source of information. Any advice would be appreciated. I would obviously like to avoid having to pay a letting agent, but it seems as if it might be a painful process to…
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Would you trust the valuation on a sellers Home Report?
I have looked at a house in Scotland which I can get at 8% below the valuation on the home report. The question is: can I trust that the surveyor gave a realistic figure of the current price of the house or will they have inflated it as a bargaining tool for the seller? My solicitor has said that the valuation should be…
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My Home-Moving Diary - Shared Ownership!
Right, well I thought I would do this as it may help a few people who are on here in my situation. Basically, we purchased a 50% share in a Shared Ownership property in July 2007 (I know I know, the worst time to buy - but we ddin't know that at the time). Back then myself and my wife weren't perticularly financially savvy…
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strong smell of oil in house
There is an oil spillage on floorboards and on to the sub floor of our rented house. What are our rights? What can we do? We are thinking of getting Environmental Health out for a look. Any suggestions would be appreciated. Thanks
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Ownhome scheme
Hello, just wondering whether anyone has been succesful in the Ownhome Scheme. I phoned a couple of months ago and have not had a call since... thanks
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Please help
Hi all, I need some help. I have seen a house which is a reposession and is perfect for my future needs. I have put my house up for sale around a month ago and although there is interest there are no signs of any offers. I am now getting worried about losing this house. Are there any options out there to try and secure…
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Confused by previous prices on Land Registry
Hi there Just wondered if anyone could shed any light on this for me? We viewed a house today, we are second time buyers with no chain, as we are BTL our house and our tenants are hoping to move in May 09. We have a good deposit, around 40k. House we saw is priced at £99,950 and we are going back for a second viewing on…
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Capital Gains Tax
I wonder if anyone could tell me what my situation is with regards to Capital Gains Tax. I have read information on it but am confused!! This is basically my situation:- In 1999 I bought a property and in October 2005 I rented it out because I was moving out of the area to become a student (origianlly for 3 years but ended…
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Maintenance charges for leasehold
Hello, I'm not sure if I am posting this in the right place. I own a leasehold flat in England and there is a monthly charge for ground rent, maintenance, etc. It is billed every 6 months. The 6 monthly bill has just come in and on the balance sheet for the last year, a debit has been included regarding solicitors fees…
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What is the service charge for?
Just looking at renting flats and a few of them include a service charge, not a clue what this is for, does it cover anything such as bills? And why don't they just include it in the rent in the first place if you have to pay it. One I am looking at is for £70 per month (1 bed flat), is that excessive?
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Would you complain?
Ok, managed to get a mortgage *yay*, found a place, put a reservation fee down. Told the mortgage was 90% loan to value, so I had the 10% deposit there ready to use. Everything went through with the property and its now going through the completion stages. My mortgage adviser phoned me up the other week to say 'it's all…
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OWNHOME - Anyone with info/feedback?
I have my interview with ownhome next week. I had an offer from Mychoice home buy but they only offered me a total of £130k to buy with and frankly, I would be living in the very roughest part of town. So I am hoping perhaps ownhome would offer more? I earn £25k - anyone in a similar situation? It would be great to be…
