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Declined Mortgage Bad Credit
Well the past 6 years i've been debt ridden as i had too many creidt cards, paid them off with loans and then spent on them again. Also paying 400 quid per month for my car. I never missed any payments but I just didn't have enough money really, i had about 350-400 for the whole month after all the debts were paid off. I…
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Is Zoopla accurate?
We have our house on the market for £90000.These figures were based on 3 estate agents views and comparing on Zoopla.We have been looking at Zoopla for months now.For the last 2 months our house has been valued at about £90-95000.The last time we checked,2 weeks back it was about £94000.Why 2 weeks later is our house now…
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Timescales - offer to completed?
Hi everyone, I was just wondering in other peoples experience what sort of timescale a property purchase, with chain, usually takes? I agreed to buy a property on 4th July and still have no exchange date or anything :eek:. 3 months seems a long time to still have no kind of dates agreed. Should I be worried? Thank you in…
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The usual Landlord will not return deposit
We recently moved out of our rented property on 22/8/09. We then recvd a letter to state the only things we would be charged for replacing a portion of the downstairs hallway, cleaning a cooker and for removing items from the cupboards (which were already there left by the landlord). The pictures they took showed a few…
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Renting with pets?
I know this isn't strictly money saving but... Basically my bf proposed the other day and we are now looking at renting somewhere. We have 6 guinea pigs who can live indoors or outdoors. Do you think this will make it harder for us to find somewhere to live? Ideally i would like them to live inside as we can then find…
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House builders want to see valuation
Hello, We're buying a new build and we're very near exchange. Today I received a phone call from the sales woman who is based on the development. She says the house builder often conducts a survey relating to the valuation's carried out by buyers and could they have a copy. In this case ours was completed through…
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Rent & key problems with student tenants
Hi all. I've let my house out to a group of 3 students for the current academic year but this month only one of them has paid full rent. All parents signed guarantor letters, but they are just as bad. One dad said he would pay but I have received nothing and the other mum answered my call to find out their daughter owed…
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Declaring tenants
Hi All, Just after some advice. Please advise if I would be better posting on a different forum My bf owns a 3 bedroom house, which is occupied by 2 tenants. Does he need to declare them living in his house? How does he do this and how much does it cost? Thanks
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Can I buy Restrictive Covenant Policy myself/
I am buying a house, and the solicitor is recommending a indemnity policy (restrictive covenant). In addition to the premium, they want to charge an extra £40 to arrange the policy. Are there any providers where I can take the policy out myself.
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HIP's, Licenced Conveyancers and HouseNetwork.co.uk
We are just about to sell our house and I am looking for recommendations for the following: HIP supplier Recommended licenced conveyencers - hopefully ones you have used personally. I am keen to go online to try and speed things up. Housenetwork - your reviews good or bad? I am pretty sold on the idea of using them. I am…
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Problems with letting agents - cont!!
I posted a couple of days ago about problems with the company we use to manage our buy to let property as they are trying to charge us fees that we hadn't agreed and aren't mentioned in our agreement with them. Nobody had any suggestions for me, BUT today the cheque they had paid into our account - for the rent for last…
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Approx Cost to Buy and Sell a Property!
Hi Guys, I've been browsing the forums fora while now but have never posted anything! Here goes... We own a house at the moment, got married a few months ago and are looking to move to a new 'family' house ready for when we have kids. Our house is worth approx £200k, and we'd be looking to move to somewhere up to the £250k…
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Does your lodger have their own contents insurance?
Hi, My buildings and contents insurance is due for renewal on 1st October. I have to pay Liverpool Victoria (buildings) and Co-Op (contents) a premium for having a lodger anyway and they both tell me that my lodger possessions are not covered. I knew this anyway as I was a lodger myself 3 years ago. I reminded my lodger…
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Fixture term contract
Could I have some advice please? I moved into my house in November last year. My Assured Tenancy Agreement expired in May, so I'm on a periodical contract. I have a decent relationship with the letting agent. (who are also the landlords) They came around on Wednesday to inspect some repair work which was done, and today I…
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Would like to change Date of Rent Payment - unusual request?
Hi, we are currently paying our monthly rent on the 23rd of each month, as our contract started on the 23rd. As we are both working and get paid at different times of the month (15th and 25th) it never bothered us. But soon my wife will be going on Maternity leave, and from then she will be paid at the 30th of each month.…
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Delay in Sold House Price figure?
Hello Everyone. I completed on buying my 1st floor flat on the 31st July and are just wondering that when I checked on sold house prices on the internet and entered the right address I cannot find the record of the sale. Would it surely not have been updated on the land registry by now? BW
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Incompetent actions by management company
I’m seeking some advice regarding what action I can take against the management company currently responsible for the property I am renting. At the end of last December my landlord was repossessed by his lender. The official receivers appointed a well known brand of estate/letting agents to administer the management of the…
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Homebuyer Survey -
Hi, Offered for a 4bed detached built in 1980s - currently in the process of mortgage application with Halifax. The basic valuation cost £500 and Level 2 report (Homebuyer?) about £785 - is this too expensive? I suppose we definitely need to use their basic valuation service? I'm thinking of instructing a separate…
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A couple of AST questions.
Hello, I've found somehwere I'd like to rent. I am going through an agency. I have recieved the tenancy agreement and have had a read through it but I'd just like some advice, if possible, from those in the know about these kinds of things. The (six-month) TA states that I am required to give three months' notice if I want…
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Relaxing of Stamp Duty 31st Dec 09
Hi everyone.. Sorry if this question has been asked before but I've had a quick look and cant' seem to find it. :confused: I've just put my house on the market for £152,500 which is currently within the stamp duty holiday window.. But having read a post concerning something else it made me wonder.. 'If' we sell our house…
