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Buying a leasehold garage
Hi I am looking at buying a garage for my pride and joy which is presently parked on the road, a friend of mine owns a flat with a garage en-block and has offered to sell the garage to me for £5K, he needs the cash so it could work well for both of us. However his flat is leasehold and I wonder if anyone knows how the sale…
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ftb low income?
Hi This is my first post,here goes... I work part time and earn 5000 a year and have tax credits,child benefit of around 25000 a year.I have around £30000 deposit(20%) of desired house price.Do you think with these figures anyone will give me a mortgage considering most of my income is made up with other things rather than…
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can we put in 2 offers on 2 houses with same EA?
Hi, any ideas would be really appreciated... :confused: My OH and I have been looking to buy a house for some time and have found 2 that we really like. They are both a bit over what we can afford, but we think both houses are over priced based on house price indexes etc. The first house has been on the market for over a…
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I want to rent a house I just put an offer on
Hi, I know its a risk but houses around reading seem to be going up, (the asking prices anyway). I have taken the plunge and put in an offer on a 3 bed house that I intend to rent out. The money is coming from my and my husbands existing mortgage which is a flexible one and we are lucky to have lots of equity in our home.…
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First time buyer - help needed!
Hi there. My boyfriend and I are looking to buy a flat in the Glasgow area. My income is £15,200 a year and my boyfriends is £18,000 a year. However, I am a trainee Accountant and sitting my professional exams which means each exam I pass I receive a £500+ salary increase (there is 11 exams ocer 3/4 years) Plus my 2%…
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quick question about exchanging contracts!!
hi, about to exchange contracts and we have had to pay a 10% deposit which i understand we would lose if we were to pull out now. What is in place to stop the vendor pulling out of the sale?
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TDS - Non Compliance Case
Hi there. Quick Summary of this claim for non-compliance of Tenancy Deposit Scheme: - Moved out in Jan - Deposit Unprotected - LL very difficult to get deposit back from - Sent LBA, almost all of deposit returned after 1 month (£100 spurious deduction) - Lodged N208 claim form for case against non-compliance of TDS. -…
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Choosing a Conveyancer
Hi Guys, We might be in a position to get an offer accepted on a property (at a big discount obviously), and I wanted to find out how I should proceed if the offer is accepted. I have asked around for recommendations of conveyancers, but no-one I know seems to be able to recommend one, and I think i'll have to end up…
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Help please re failed sale - I'm desperate
Ok I'll try to keep this short. We went sale agreed on a deal where we & another bought each others houses about three - four weeks ago. This happened after a fair bit of messing around from him & an assurance from the EA that this guy is a professional (he's an EA & surveyor himself) & won't back out once sale agreed.…
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GreenLight Report
Just been reading the thread relating to radon and it reminded me of a new report that is available called the GreenLight report which tells you if your property is in a radon area, liable to flood, on or near a landfill site or effected by geological hazards etc, The good thing about it is that you can buy it yourself…
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Due to complete on new build and cant get finance!!
Hi, I put a deposit down 10%,on a new build property with Berkeley Homes in June 2007 (talk about a peak) and the development is due to complete next month. However, the mortgage providers valuation is 60% of the original value and Berkeley Homes will not reduce the price. I have met them twice and they will not negotiate…
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what should i offer ?
hi guys ,thought i would pick your brains , we have seen a house up for 242,000. thinking of making an offer but where do you think we should start, what is reasonable these days.:confused: I know they paid 237,000 for it in 2003 but how does that price compare to todays market. i cant remember how good it was then . any…
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Survey done and offer on the way – how do I get survey report?
Hi guys. I guess it is a silly question, but here you are. I have had an offer on a property accepted, then applied for mortgage with Woolwich about 1.5 week ago. To arrange the survey was in their responsibility (it is included in their package). When I called for update to mortgage processing centre, they told that…
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Help with Ground Rent / Buying Freehold
I'm not sure if this is the right place to post but here goes; we moved into our house 6 yrs ago after buying it from my MIL, who had lived in the property for 40 yrs. The ground rent had always been collected in person by the freeholder the last time was the year before we moved in. Now, we have had no contact or requests…
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Application for registration for a fair rent - challenge what landlord is seeking?
I'm in a housing association flat (shared ownership - I own part, and rent the rest) and the landlord has registered an application for a fair rent with the Valuation Office Agency. They're wanting about a 10% increase. The last increase was 2 years ago. Previous rises have seemed relatively reasonable - given the way…
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Warning for anyone near completion
I'm not sure if this is a law society or mortgage lenders thing but apparently earlier this month the rules on local authority searches changed. Apparently before then the searches in the HIP were acceptable to mortgage companies, now a buyer has to order their own. Anyway the upshot is that if you thought everything was…
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The Right To Buy Our Council Flat Has been a nightmare
Some years ago we were in the position, that we were having problems ever getting any repairs done within our home. The flat was cold, damp and the windows did feel sorry for themselves. Now when the right to buy scheme came in, we we bought our home from our local council, however the local council in Bury. They decided…
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Land Registry restriction on place we're buying
Hi, After nearly a year of being on the market, we finally sold to a couple who sound lovely, so very pleased. We've had our offer accepted on our new place, and all is going ahead. I spoke to the solictor who has mentioned that this is on the land registry: RESTRICTION: No disposition of the registered estate by the…
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How long does Probate take? Less than 2 months in one case.
See .. http://forums.moneysavingexpert.com/showthread.html?t=1646423 Cheers! Lodger
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To buy or not to buy that is the question
Hey, I want to get some opinion of the sensible people on this fourm if I may. I am looking at buying a place (FTB). I think I have found a place that seems like a good deal. My worry at the moment is knowing if now is an OK time to buy. I know its difficult to predict and there are always conflicitng reports but here are…
