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Seeking permission to rent
I am currently investigating whether to rent my house or not. Being a good girl, I contacted my mortgage lender to ask their advice on seeking permission. They said they give permission for upto 2 years after which I will need to get a buy-to-let mortgage. So in order to gain their permission I would need to complete a…
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Ill and in a tenancy agreement
Hi I wonder ing if anyone could help, I been in my flat 6 months soon and over last 4 weeks I had to leave work on sickness. After this month being on half pay meaning I wont be able to afford my rent. My agreement is worded: The landlord lets and the tenant takes (Address) with its fixtures and fittings for a term of 12…
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Opinions and advice re selling up and renting
Hi I am looking for a wee bit of advise and your opinions on our situation. We have a 2 bed house that is mortgaged, there is roughly £64k ouststanding on the mortgage and redemption penalty is about £2k, we are fixed at a 6% rate for the next two years!!. I haven't had a valuation yet but think the house might be worth…
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Hips
Hi a friend of mine has had her home on the market with the same estate agent for three years she has had two sales agreed that have both fallen through for various reasons near to exchange. She does not have a HIP as her agent tells her she does not need one due to having been continuously on the market since before they…
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Advice please
thanks for all the advice
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Application for tennancy declined
Hi We've just had an application for tennancy declined and the LA say they cannot tell us why it has been declined, would there be anyway of getting the information? is it confidential?
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Do we need a certificate for lawful use?
We are currently in the process of selling our flat, and unfortunately have hit a stumbling block. The flat is one of two in a converted Victorian house. It was converted into two flats sometime in the late 1960s or early 1970s. It unfortunately appears there is no evidence of planning permisson for this conversion. Our…
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Pulling out of exchanged contracts on new build
Hi I exchanged contracts on a new build property in London and want to pull out. The developer has 5% deposit. I am guessing they are entitled to another 5%, but can they sue me for more? Does anyone know a solicitor who would be able to help? Advise urgently needed, can anyone help?
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Please Help
Hi All, Firstly apologies for the long post but I feel it is required to furnish anyone who can help with the facts. Secondly thanks in advance to anyone that can offer some advice. Three years ago my partner and I purchased a house in joint names for £157k we took out an interest only mortgage with Bir Mid the current…
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Buy to Lets
Hello There, Please can someone give me a bit of help, We are currently thinking of buying a house and renting it to friends of yours. I was wondering if we would be able to us the money out of the house that we allready have which would be about £100,000 and borrow anymore that we may need. Can this be done Regards…
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Can someone enter my rental property when I am not home?
Hi there, Bit of advice please from anyone who knows more about tenant's rights than I do! Today I have received a letter from my lettings agent informing me that the boiler service is due and that a plumber will come round tomorrow. The letter states that the plumber will have a set of keys to enter the property in the…
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Want to rent privately but credit rating awful!
Hello all. My husband and I are both mature students and we currently live in a 1 bed housing association property. Because we have an 18mth old daughter we desperately need extra space so we decided to move house. Initially we approached our local council but we were told to expect at least a 3 year wait to be re-housed.…
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Casual letting and tax question
I have done a forum search for an answer to this, but I'm still a bit confused. Here's the situation: We bought our current house without selling our first one. It is on the market, but a friend who is breaking up with her partner has asked about renting it short term. The mortgage on the house (House A) is £5k. The…
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Freeholders Imposing New Clause :(
Hi All, I am currently in the process of buying a leasehold flat - it is an ideal property and I think I have had a very good offer excepted. Everything seemed to be going great, i.e. mortgage in place, solicitors, etc etc, but now the solictors contacted me saying the freeholders are looking to put in a new clause which…
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Obtain copies of plans
Hi, A recent survey carried out on a house I am buying has raised some concerns with regards to an extension that was built approx 2 years ago. My solicitor is looking into this and it appears that the various building regs/certificates are present but this particular issue with the extension may not have been picked up…
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convert one bedroom flat into two bedrooms flat
Hello. What I want to know is what requirements are to convert one bedroom flat into two bedrooms flat, two bedrooms flat into three bedrooms flat. I think the square meterage mast be above certain figure. Sorry if it is in wrong section Thanks
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Right to Buy valuation and boiler question
Hi all I have just been given a valuation by my Housing Association on my flat which I can buy under the Right to Buy scheme. The valuation is very reasonable and I had an independent valuation which came out £5k higher than this. However just recently a gas engineer came out to check the combi boiler and said it was an…
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Getting permission to let out house...
Hi, I have lived in my house for 2 yrs but at the end of August I remortgaged. At the time the broker told me 99% of lenders agree to you letting your house out ( I know he wanted it to go thro but...). However when I rang Abbey to ask for permission they said No, not until I'v had their mortgage for 6 months! Letting…
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Fairview Homes Sale Offer
Hi I am currently considering legal proceedings against Fairview Homes for offering me a deal to purchase an apartment providing i rented it from them for a year, and now they are denying all knowledge of the deal and informing me that they have sold the flat to someone else. I have been reliabley informed that i am not…
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A cash offer from a seller: advice needed
Hello everyone Am after some advice and you lot are pretty good at giving it on here :) Trying to buy a flat. After valuation my lender wants a 15% deposit (85%LTV) after initially telling me a 10% deposit was fine I'm about £4,000 short of the deposit The seller of the flat, concerned he's going to lose the deal, has…
