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What is a cluster house?
hello I'm looking to rent a flat for the first time and theres a lot of jargon to learn, I've got the idea of most things but I was wondering is a cluster house a house that's been split up into a few flats or is it something with shared kitchens and toilets?
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Can I use my Dad's property to guarantee mortgage?
My Dad owns his property outright, I can't afford a big enough deposit (although my monthly disposable income means I can afford a significant monthly payment). Is there any way that he can release some of his equity to kick start me on the property ladder? He is 70 yrs old so wouldn't be able to remortgage or be a…
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How little could I pay for a survey?
I am buying a house for cash and was not going to get a survey because the house was surveyed in 2002 ( it is a stoic old house) and because of the many tales I have heard about the survey not being worth the paper it was written on. I have now been convinced it is a good idea and was ust asking what kind of money I would…
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Shared ownership/coop ownhome
Ive posted on this before but am still confused so Im going to try again. My husband left me last year. We have a 195k mortgage and the house value has dropped to 180k. My husband has just arranged an IVA for his debts which he has run up since he left. Before he left he switched the mortgage to interest only. I do not…
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house purchace and paying for care home in future
to cut long story short - i work part time have young daughter - seperated may 2008 - husband being real pain and not allowing us anymore than 50% of assets in current family home (so not able to buy another home) at this moment in time cant get my full time hours back. I am carer for elderly disabled mother who has…
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dodgy landlord, please advise!
just to be brief, i moved into a shared flat, and had no contact from the landlord. i kept asking the people i lived with to get me the landlords details so i could pay deposit, sign contract etc, and a couple of weeks went by. he sent them the contract, which was forwarded to me (still no word from landlord, even when i…
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Friend being screwed out of a home.
Hi, I'm new here mainly posting on behalf of a friend of mine who's going through some serious problems right now. For 3 Years he's been living in a rented room for about £300 a month (The area is Oxford UK if that affects anything). His rent covers water/electricity/gas. Phone, TV licence is payed for himself seperately.…
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3 Weeks to Organise a Survey?
Hello All Just a quick one... trying to sell a house price was agreed.. not exactly what I wanted but then its got to be expected :) It has now been three weeks and still no survey and no survey proposed date. I asked the EA to continue to advertise until the Survey had been done... They didn't they told my mate that it…
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Buying a Reposession - bargin or nightmare?
We're contemplating moving and had our two-bed flat valued in Feb at £130k. The other week we spotted a 3-bed house on our street up for sale for £135k! Problem is it was a Reposession (eviction notice still up on the door - "You have 14 days to leave" and all that) and the place is an absolute tip! Windows are broken,…
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numpty question sorry
hi can someone please tell me what information is included in the HIPS survey have tried looking but am getting a tad confused thanks kas xx
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FTB this year - should I clear all of my debts?
Hi, I'm currently renting and have just had a pay rise which makes things a little more comfortable for me. I've got about £4k worth of credit card debt which are both low (less that 7%) interest rates which I got so I could pay them off gradually without ending up paying a ton of interest. My question is that I've got…
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Search Issues, Should I ask for discount?
A couple of months ago I put an offer in on a 2 bedroom flat at 123500 which was accepted, trickling along then today i got a letter from my solicitor with the results of one of the searches. It's from the council and goes into details of their low rise blocks and what is planned for the next few years. Windows - 4320…
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Blinds: what is a reasonable cost?
We are due to move out from our current tenancy at the end of the month. The blind in our bedroom is covered in mildew. We have aired the room wherever possible, but we do not control the heating of the flat (the landlord, who lives next door, does) and the blind has become moudly / rather revolting. I'd give it a bath in…
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unreasonable offer???
Hello everyone, this is my first ever post on here. I am writing to ask if anyone can help me get a different perspective on something because I feel I might be too emotionally involved so to speak. Right...I am currently renting in a nice little market town in commuting distance for me and OH to our respective jobs. We…
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Shared house - Only one name on contract
My LA is refusing to put everyone's name on the contract, who they've referenced. One person in the house signed it originally as he was the only person available at the time (everyone else was at work/out). I'm trying to get at least my name onto it, if not everyones. Is it legal for just one person's name to be on the…
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To buy or not to buy???
We have a 5% deposit but don't believe there are any 95% mortgages around at the moment. Does anyone else have this experience? Our financial advisor has told us to wait 6 months and see what happens, but he is not living with his in laws!
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No viewings lined up...
Think I've seen them all. No request for feedback from either of the ones we viewed last week...:confused: Ah well. It's easter soon and my massive free easter egg arrived. :T Loads of houses being added apart from round here (my 3 mile radius .. last 24 hours search has been mega all week!) I think it might be time for a…
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Scottish 'Offers Over' system
I wonder if anyone can help. I'm looking at buying my first home in Scotland. Estate Agents market properties as Fixed Price or Offers Over. I have seen a property I would like to buy which is marketed as Offers Over £120,000. It's a new build from 2006 and looks at best in an 'average' state - most likely a repossession.…
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End of tenancy agreement letter...
Just had this letter from our letting agent, we move out in 2 weeks 22nd April, check out is booked for 24th April, contract ends 30th April (we have paid up till this date) "As you will be vacating XXXXX shortly, would you kindly take note that under the terms of your tenancy agreement your deposit may be used to pay any…
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Renting Approximations!
Afternoon all, Am considering moving out and renting from the summer, struggling at home with parents as i crave my own space! Have been looking into renting in my local area and for the property alone it's looking to be maximum £495 a month. Now, obviously on top of that is council tax (single person), rates and bills. I…
