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agent and hips
It's ok to use another estate agents. my plight is the agent we are with now produce the hips at no cost so long as we stayed with them, but if we leave we will have to purchase the hips from them £399 + vat my question is????? if we use another estate agent and still stay with the first agent what happen with the hips…
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Problem with house we're buying
When we viewed the house we're buying there was a very slight smell of drains. It's a septic tank (not on mains drainage) so we thought we'd get a drainage survey done just to be sure. I'm still waiting on the final report but the chap rang yesterday to say he thinks it's likely there's tree root damage or a drain collapse…
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Renting to family member
Hi there, I am in need of some advice I currently rent out three properties on a btl basis. My mother who is mortgage free is finding her home unmanageable and wants to move into one of my properties that has recently become vacant. We have found someone to rent her home already. They would be paying her the same amount of…
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OwnHome .... Opinions
Ok, Seeing as there now seems to a be a few people looking into the OwnHome scheme (including myself) can people give their views / opinions of how it works and how it will pan out in the longer run? Im 23, looking to buy (at end of this year) and think this scheme may be beneficial to me. The way i see it, you find a…
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Questions regarding renting -
Hi people, Im looking into renting a property for the first time, i have spoken with some letting agents, all seems ok. They advise me they need to do a credit check to make sure i can afford the payments, which is clearly understandable, but when i ask what things are checked, they advise, its just a credit check. Now my…
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Buying cheap property to 'do up'
Just a thought..., We are looking at spending around 140-150K on a house. We can easily get a mortgage for this amount, with 10-15% deposit... i.e. not much spare cash. If we bought a cheap property (say 90K), that needed 30-40K of development, is this kind of thing possible without stumping all this cash up front? We…
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Gov Home ownership scheme
Hi, Wonder if someone could help. I'v offered on a house i am looking to buy and am competing with someone else to get it :mad: they have offered slightly more than me but they would be buying it though the Gov home ownership scheme - just wondered, am in better position as have sold my house to cash buyer who wants me to…
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Getting deposit back from the Landlord
Hi A friend of mine has just moved out of a 4 bedroom rental house. Someone else moved out as well and 2 have stayed. The landlord has gone through the whole house and taken there whole deposits off them both because the house is a mess in his words. It is going to cost him £1000 to fix everything and there deposits were…
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S8 Possession Rant
Sorry - just a rant. I have just been discussing a possession case for one of my properties which was heard yesterday with my solicitor. The background S8G8 notice issued (S21 issued as well but not operable until July). Two months rent unpaid when served, 3.5 months unpaid at court (T made some payments in between). T…
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Landlady chasing me for arrears I've not accrued HELP!
I need a little advice about where I stand with my landlady. I was previously living in rented accommodation with my wife. Our contract for rental expired on 04th February and we didn’t receive a new one. My wife and I split up on 15th February and I moved out of the property. My ex-wife remained in the property and I know…
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Need help regarding renting and full management
Basically we are a young couple (21 and 23) with a high mortgage of £820 a month, after months of worrying about money we have decided to rent out our house and move back in with OH's parents for around 2 years to clear our debt. We have gotten our consent to lease with halifax and the estate agent has been round and…
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buying when seller is in negative equity
is it a done thing to suggest the seller overpays their mortgage by a few grand so the sale can happen? chances are my offer could be about 3 grand less than the equity they have in it. or is there another way to go about it? obviously excluding me paying higher :)
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Advice on a rental house I viewed
I went to view a house on Tuesday and loved the layout of the house but the decor needs attention. In the living/dining room, the wallpaper is actually coming off the walls in some areas, and in the master bedroom, the decor is black and dark red. I asked the LA about redecorating and they said the LL wouldn't have a…
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My Landlord Is Brilliant!
Is there such a Landlord ? Tenants only please.
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Advice needed - house vs wedding
Hello all - I was a finance major, work in accounting and am extremely anal about my budget - but I need ADVICE! Plan right now: get married next summer (our expense = approx 15k,) put 15-20k down on a house in Fall 2010. Low interest rates and the new homeowner tax credit have gotten ahold of me. I feel silly NOT buying a…
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FTB nightmare....valuation problems
I'm buying a one bed flat, new build, with the help of the FTBI scheme. I was approved by the MHO housing association who regulate the london new builds, which was a mission in itself. Pretty horrendous as they try to come up with literally every reason under the sun to decline the application. Then I was agreed in…
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mychoice homebuy...v confused, help please!
we are awaiting our maximum purchase price offer from moat. apparently should be here in 2 weeks...allegedly! they have told us via email: Once your offer letter has arrived and your offer on the property accepted documents will need to go to Moat to approve your purchase and reserve your funding. Once Moat issue a…
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Online conveyancing!
For anyone one else who wants to save some money:money: I used a price comparison site:- (can't post link so its conveyancing-cms.co.uk) They came up about £800 cheaper than my local solicitors I think if you don't have a complex sale its grand! We haven't exchanged contracts yet but the solicitors they have recommended…
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Ownhome scheme couple of questions
Hello everyone, I am thinking about applying for the ownhome scheme and I am just trying to get my head around all the Pros and Cons so I can make the best decision. Does anyone know if they make you take out the maximum mortgage the Co-op will lend you or if you can choose the amount you take out a mortage for? Because it…
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what price to market our house
We are about to put our house up for sale. Moved last year & rented old one due to sale falling through. 4 bed semi in good condition with large garage & large garden in popular location, no others same size currently on market in the area. Bought in 1998 for 69K Sold last may for 160K, asking price 165K. Fell through due…
