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house/office change of use & mortgage
where a house has been previously changed into offices, changing it back to a house is going to be very easy. And in the situation I am looking at the council has already suggested there would be no objection. What I am wondering is at what stage would a mortgage lender be willing to lend on such a property? Would the type…
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Ending A Tennancy Early.
Hey, Im after a bit of advice if anyone can help. Long story Short We have been in our newly rented property for 3 weeks and the bolier hasnt worked properly since we moved in and now has stopped working altogether we have had no hot water or heating now for the past 3 days and with a 2 year old this is no good.We have had…
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How long have builders got to fix snags?
Hi, We have been living in our new build house since last June. So the house is still under warranty with the builder 'Persimmon'. We have several snags that I have informed them of over a month ago and all they have done is say that they have informed the relevant people to get them fixed. I have heard nothing now for 3…
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Discharge Notice
Hi all, My boyfriend and I have recently purchased a property from the Housing Association. There is no chain either end so everything was going through pretty quickly. We've done everything including signing our contracts. One final thing we are waiting for is a Discharge Notice from the Secretary of State (they must have…
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Transfer of Registered Titles (TR1)
Hi Here's my problem! I have a house registered in my name and mortgaged just in my name. Having recently got married, my wife and I would not both like to be on the title deeds. At the same time, we are remortgaging the house (moving lenders). The solicitor doing the work on behalf of the new lender wants £287.50 to add…
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Accuracy of Zoopla Valutions?
I've been looking at a 4bed detached house in a rural but not particuarly desirable area. It's on for £225k but the Zoopla valuation puts a maximum figure of £160K -£190k and it was desribed by the agent as "well presented" with a "south facing garden" so I thought I'd have a look. We viewed on Saturday and the place was a…
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Defaulting on mortgage on property abroad
Hello there If I have property abroad (holiday home) and if the worst comes to the very worst (and I mean very worst) and I cannot pay the mortgage over there, do the lawyers in Cyprus have any legal recourse against any of my property in the UK? I've been told that they could try and get their hands on my property in the…
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More advice needed on home information packs (HIPs)
Why do we not have more information on this site regarding home information packs (HIPs)? When searching online they are on offer from between £185 to £400, so which is the best to buy? What should we be looking out for? Are there different types of packs? Who are the registered bodies that these firms should be registered…
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Calculating equity
Wondered whether any mathematicians (or anyone astute with numbers) out there can help, as maths isn't really my strongest point. I wanted to know if there's a way to work out how much equity you've eaten into a repayment mortgage assuming that the property price retains its original value (please don't laugh) throughout…
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Fees for moving from an AST to a Periodic tenancy?
I am now at the end of a 6 month AST and was sent a letter by the letting agency asking if I wanted to sign for another 6 or 12 month period. As I am currently job hunting in other areas, I was unwilling to commit myself for a further 6 months and asked if the tenancy could roll into a periodic tenancy. I have now received…
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Can I let on my current mortgage?
Hi, Having recently got engaged I am looking at all that is involved with letting out my 1 bedroom flat and moving in to my fiancees house. I have 18 years left on my current Woolwhich mortgage which is on a mega good 1.45% at the mo due to the BBR being so low. Being new to all this what do I need to do (for everything…
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Buying new property before selling existing one
any comments would be appreciated. We have a property, could sell for around 85K. (been in nearly 4 years, FTB, bought for 89K) Looking at buying a new property, asking price 150K. Plan 1: Originally we looked at keeping existing house to rent out. Problem with this is that mortgage co need 85% LTV in both properties in…
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Estate Agent fees - Does this sound expensive?
Hi, We are selling our house in the North of England. A local independent estate agent has quoted us: - A flat fee of: £1600 + vat on completion of sale; - £575 + vat for HIP (for leasehold apartment), turned round in 10 days. The property was valued at £85k. I thought the fees would be around 1% of agreed sale price. Have…
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Need advice please
I have been house hunting for a while and not really getting anywhere as the area we are looking in there is not much for sale and what is for sale is overpriced (in my opinion) Anyway I know someone who is moving and has part exchanged their house for a new build through persimmon, i know persimmon offered them 160k and…
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Problems with locks on rented property
My family moved into a property 2 months ago that had a 2nd Banham security lock. On moving in we were given only one key to the Banham lock so we tended not to use it but after much pushing of landlord we managed to get some extra keys cut. Almost immediately thereafter - on returning from a break on Easter Sunday at 8pm…
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Calling Any Solicitors .... Please Read !!!
Hi there I am wondering if there are any Solicitors out there reading this who can help me with a question regarding a Business Partnership query. I am honestly not after getting lots of legal advice for free, but genuinely cannot afford to consult a Solicitor at this time, & the 'free' consultation you can arrange was a…
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Council House Swap Sites
Hi Does anyone know of or have used a housing swapping site/forum for council tennants, I only know of one and a lot of others request payments, obviously if its a good one ill pay but I dont want to be paying for them all if they are no good. If anyone has successfully swapped a council house, any advice would be great…
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Looking for advice about tenants insurance
I'm moving out of student accommodation soon and into a privately rented house. The letting agency are advertising Tenants Insurance with Endsleigh. Past experience shows that Endsleigh can be more expensive than other companies so I was wondering: 1. What exactly is tenants insurance and what does it cover? 2. Can someone…
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moving abroad
i have roughly about 70-80k equity in my own property and my father died last month and left me his house which after costs should be around 100k . where could i move to to get the sun i like spain but am open to other suggestions i would go there with my mother who with her pension and private pension should get about 800…
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What sort of overall cost for renting.
Hi, I'm looking into renting for the near future (17 right now, I'll be 18 at the time of renting.) I'm saving right now to have at least 6 months rent in advance, along with enough for a deposit. Along with the basic costs of the rental, what else do I need to consider? This is rental for 1 person, I'm looking at 1 and 2…
