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house sale fiasco
my ex and i separated last july. He asked me to give him a few days space so I stayed at my parents for 3 nights. When I returned all my things were packed and he told me I couldn't stay in my own house. We bought a 50% shared ownership property, paying half mortgage, half rent. Although now not living there as the…
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New build, already built, what to offer??..
Looking at a new build that someone has backed out of. It a 3 bed bungalow on at £155k but i am pretty sure that we could get down this as we asked if it was manoverable(sp) and she said yes. They have already taken the price down a good bite as the same house selling the start of last year was about £185k. I noticed…
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Any rights in a tied house with boyfriend?
My boyfriend currently lives in a house that goes with his job and he has been there for about 15 years. From what he says he doesn't have any sort of job contract or agreement regarding the house. However, he is the third generation to work for the company (although not in this house) and I have no doubts that the job and…
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Can anyone apply for council housing?
Does anyone know if it is possible to put your name down for council housing/housing association even if you have savings and husband is earning? OH has been earning well about 40k per annum (but he is a contractor and work is drying up) and we have savings over the 16k threshold. However, we are renting in London and all…
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Flat Swap - General Q's..
Hi guys, I'm thinking of doing a flat swap some time within the next two years. However, I'll be giving up a 3-bedroom for a 2-bedroom, so I need to make sure I'm going to be happy there - for pretty much EVER... My main general concern is neighbour sound-proofing.. It's a new build private apartment block, with some…
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Responsibility for a Bill
Hi First Post on these forums, im after some much needed advice. I am currently renting an ex RAF/MOD house. Found it on-line and have been living here since Nov 2008 and get on pretty well with the landlord, we're not best friends or anything, but there have been no disputes so far. I immediately sorted out all bills when…
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DIY Letting vs Estate Agents/Letting Agents
Hello All, Can someone tell me what would be the difference or major issues with letting a property out yourself against using a letting only service through a letting agent/estate agent. The way I see it, if were to let it myself, then I would advertise it, then interview the possible tenants, reference them. A letting…
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New landlord advice required, Please!
Hi all were in a horrible mess and any advice would be much appreciated. About 8 months ago we became a landlords by virtue of renting a flat out we had had difficulties selling. We had found a tenant via the local paper and used an online credit agency to reference him. His previous address is his mothers who we have…
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Paid Deposit Schemes - New Build Home Buy
Are all of these schemes for people with household income of les than £60k per year, I think all the government ones are - or are any developers offering them without that restriction on income? I'm in Essex, edge of Zone 6 London
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100% Mortgage
Does anyone know of anywhere that offers 100% mortgages? I'm a first time buyer, hoping to get a nice flat with my girlfriend. We only want a decent house, around 40,000. Although we could wait and save up 10% of the mortgage we'll need, we don't really want to wait and have worked out that we could afford to pay a 100%…
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Query with rented property
In a privately rented property who is responsible for the gas and electric meter cupboards?
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2nd house
Sorry if this has already been asked but I cant find the answer anywhere I have just inherited my fathers flat.which I am looking to rent out for a while. My question is when I do decide to sell the flat, will I get all the profit or does the tax man get any of it. Also I have to buy my brothers half off him, so I got a…
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Property buying clubs
I wonder if anyone can help with my query. I joined a propery buying clubwhere I agreed to buy two properties and paid my deposit after writing an email clarifying the verbal conversation i had with the sales person which said they would refund my deposit if there was a change in the terms of the original agreement.…
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Is this a legal way of avoiding Stamp Duty??
Hi guys, Newbie here looking for advice with a purchase that we are planning to make. We are interested in a house priced strategically at £250k to take advantage of the 1% SD threshold. However, the seller is asking for an additional £7k of "Sellers Fees". So the purchase is £250 for the house plus £7k to cover "Sellers…
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whats your thoughts on interest rates !
I know this is a bit of a " how long is a bit of string" question, but i'll ask anyway. we are currently considering renting out our house to purchase our dream home, it will mean remortgaging our current property to release equity and then take out an additional mortgage for the new house, total money owed £290,000:eek:…
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Help with any info on Non-Standard Construction
me and my boyfriend are currently in the process of searching for our first house, we have found one that is affordable, and ticks all the right boxes, but it is on Non-Standard Construction, Dorlonco to be exact, made of steel and concerete. Weve heard of problems with this type of house.. re. morgage and insurance, which…
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Shared Ownership Flat - Legal Advice Needed !
Hi All, I own a half share on a flat which has a mortgage. I wish to sell my half to the other owner so we approached the BS who said that as the LTV now no longer meets their terms and conditions they won`t allow this. The other owner has spoken to a solicitor who seems to think that if we sign a deed of "something" I can…
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Cost of self build
Can anyone help with a rough estimate of the cost of building a 4/5 bedroom sizeable family house. I am thinking of buying land at an auction. I have ploughed through the internet but just can't seem to come up with anything definite. I appreciate costs will differ with fittings and unforseen problems but I just wanted a…
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what to offer?
Hello I am looking at a 4 bed detached house in a road that has seen no sales since 2005! The house has been reduced from £250k to £210k. What would be a reasonable offer? The house has been on the market for nearly 2 years. I really dont know what the expectations are at the moment as there is no comparative data. Ronald
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What is taxable if renting my property?
Need a bit of advice. Ive seen a few threads about tax being payable on rental income but Im not sure about the situation Im in. Own my property and moving in with my partner. My mortgage is £30k and I pay around £470 per month (capital and interest) Im likely to get around £500 per month rent. Am I only taxed on the…
