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Event to get people on the property ladder launches in Greater Manchester
Hi - this might be of interest for anyone looking to buy a home in the Greater Manchester area. The Key Event Urbis, Manchester Monday 22 June 12 noon to 7pm If you’re looking for a great new home and need a mortgage, The Key Event could open all the right doors for you. At this FREE event, organised by the Homes and…
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Seller now wanting to tie in with his purchase
I am so annoyed. I am a FTB and everything has been going too smoothly on my flat purchase. It was agreed at the outset that the seller was happy to move into rented whilst he looked for somewhere else to buy as he didn't want to be rushed into buying anything. We're now about 6 weeks into the process and I've been pushed…
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Hips on a 5 year old home?
Spent a little while trying to find the answer to this question, haven't found it yet! We are thinking of moving, our house is on a new development, it's now 5 years old, do we need to have a HIP? We spoke to a sales lady on another new develop a week or so ago, she said she didn't think we needed one because our house was…
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ASSET Rich, cash poor. How best to buy?
Hi, i wonder if anyone could help. I am owner of two properties. A + B A is my residential address. Repayment Mortgage £66K value £160K. On a lifetime tracker of .89% above BOE base rate. B is rented property. Interest only mortgage (Abbey standard variable) £36K value £120K. Rental income £370pcm. Value of property when…
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Porting a mortgage with neagtive equity
I'm a little confused and need help. I bought a new apartment 2 years ago for £130K I now need to sell it but i'm only likely to get between £115K and £110K and my remaining mortgage is £118K. Me and my partner want to buy a house for around £90K and was wondering if we could port my existing mortgage and negative equity…
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HELP consent to let
Hi, Just wondered if anyone had any advice I am just advising my mortgage company Accord that I wish to rent out my house. They have sent me a form it asking reasons for letting. I am not sure what to put for the best... my reasons are I was very unhappy in house and have found an area I love and the rent is less than the…
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Letting Agent - Unaccompanied Entry
Hi, Would appreciate views in respect of a sticking point on my new contract. Agent wants the right to be able to use a key to enter the property, unaccompanied if necessary, in order to conduct their quarterly inspections. We are adamant that this is unacceptable. My wife is home most of the time, and hence we can see…
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Sell and Rent Back Schemes?
Does anyone have experience of Sell and Rent Back Schemes. There are lots advertising in Yellow Pages, but not sure if they are cowboys or not. Do they offer ridiculous low prices and then make you pay high rent and then give you notice to leave?
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Can i have some advice about the neighbours from hell and their cr*p landlord??
I'm really looking for some advice about a woman who lives next door to us in our block of 4 flats. She has lived thereabout 18 months she has a small child and there was no problem until about Christmas time when she got herself a new boyfriend and a dog. The dog barked and howled morning noon and night even when she was…
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taking in a lodger
can anyone offer any advice. A friend lives in a housing association house, and is considering taking in a lodger as she has a spare room. She is on child tax credit and gets a very small amount of housing benefit. Would she be allowed to take a lodger in, how would it affect her benefits. thanks for any info.
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Does getting mumerous mortguage quotes effect your credit rating?
Does anyone know if it's a problem obtaining several mortguage quotes (and part of that being credit checks)? Can it be viewed negatively or does it not effect anything?
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Estate agents/solicitors referral fees
Has anyone experienced this i wanted to make an offer on a property and the agent would not put my offer to the seller because i would not do my hip with them or use their recommended solicitor!! How can they get away with it, solicitor gives them £200 of my fees if the agent gives them the work, what a disgrace, how can…
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Confused about what to offer, please help.
My head is going round in circles and i dont know what to do for the best so any opinions good or bad please say to help me make my mind up. We have sold our house coming up to 4 weeks ago. We have been watching a house that we like for some time. Break down of house details (ive posted the details before in another thread…
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Live-in Landlord seeking advice
Hi there, I've just agreed to rent a room in my flat to someone and need to draw up a tenancy agreement. Can anyone tell me where i would be able to find a template? Am i able to draft something up myself, based on what the tenant and i have previously discussed? If we both sign this, will this then be a legal contract?…
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How low can you really put an offer in for?
There is a house we would be interested in but it's guide price is too high - £350,000. It has been on the market for 2 years, not sure how much interest its had but I guess not a lot. Would it be too cheeky to put an offer in for £250,000? I haven't yet spoken with the estate agent but am trying to evaluate if we would…
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WARNING: NATWEST mortgage problem
I have an offer accepted on a new private build 3 bedroom end-terrace at £225,000. NatWest pretty much bit our hand off with a 5yr fixed rate at 5.49 lending £187. Mortgage application completed in their branch. Phoned last week to update - all gone through fine, only the valuation to complete. They have since come back…
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Need recommendation - cheap but good online conveyancing
My Daughter and boyfriend are buying their first house and are looking for conveyancing, I know there is a myriad of online cheap conveyancing services but I can't seem to find reviews for a lot of them . Can anyone recommend one that they have used ? Thanks Jim
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Renting - Asking for Bank Statements
Hello, We are currently looking for a flat we like, and are considering moving in. However I have a question with the credit check process. The agents are asking for references from employers, 3 months wage slips and credit check, which I am all fine with. But they are also asking for 3 months bank statements. Is this…
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Buy To Let Taxation
I am looking for some advise on how to minimize my tax liability on 4 recently purchased buy to let homes. I'm already a higher rate tax payer with my normal job so that doesn't help. The 4 will generate an annual income of £20k ish with my interest only mortgage payments costing about £12k so I understand I can offset…
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auction sites
HI has/can anyone reccomend any property auctioneers based in the south west please. When i search google all i get is choiches, or ones that say for a fantastic money making scheme send £50 to us and we will give you details of auctions near you! Thanks in advance:beer:
