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Insurance and surveys.
Hi everyone, Quick question: When buying buildings and contents insurance do the insurers usually ask for evidence of the lender's valuation document / survey? I have two surveys and they both say differing things - one more favourable (so to speak). That survey was given to me by a previous buyer and it is not addressed…
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Homeowner needs to raise cash for deposit on another house!
Hi all, need some advice! My partner and I own our home, we have a mortgage of £109k and the approximate value is £145k. We have seen a home we would like and would prefer to keep this one somehow to rent it out, so we would like to know how we can raise the extra funds for a deposit on the new house. The cost is £183k.…
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Local Authority Built property
Just received the mortgage valuation today and the survey mentions that the property is a Local Authority Built property, approx year of construction is 1950. It also mention that the property's location wthin a public sector housing estate may deter some purchasers and affect marketability. This is reflected in the…
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Is this legal?
Hello - I'd really appreciate some advice please. I'm currently renting on an Assured Shorthold Tenancy periodic monthly agreement. I'm moving out because of a damp problem and have given my 1 month notice today (1st Sept). However, my rent payment date is the 23rd of the month so my landlord & current estate agent are…
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fast house sale companies
has anyone had any success or good reports / recomendations for any of these companies that buy your home quickly for cash
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advice on service charges
I was wondering if anyone could offer some advice on a service charge issue I have. Basically I bought a flat almost 3 years ago and the service charge was £800 for the year which I thought was reasonable as we are in a grade 2 listed building with 3 flats and a shop. 12 months later I recieved a letter from a new managing…
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Homebuyers Survey Results - Should I be concerned?
Got my survey results today, and it revealed a few things. I'll be seeing my solicitor tomorrow, but until then how concerned should I be? Here is what was found: Urgent matters: Roof space ventilation (showing signs of condensation) Plumbing upgrade (some pipes old, also some lead. Some old radiators) Further Inspection:…
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Letting fees?
My sister pays ground rent on a property that she is currently letting. She has paid the ground rent for this year. However, she has been asked by the leasing company to pay £68 every 6 months, on a rolling basis, for the length of time that the let is active. Is this legal and correct?
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Completion Date.
Hello, Could you please advise me on the following. On the agreed completion date what are the protocols ? Will my solicotor tell me the funds from the sale are received in their account before or on the agreed completion date ? Do I hand my keys to the estate agent on the morning of the completion date. When is it good…
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Obtaining a mortgage while property in in Probate
My partner has inherited a half share of her father’s property. Her brother has inherited the other half share. We have agreed (my partner’s brother, my partner and I) that I will buy the brother’s half of the house. My partner and I then intend to use this house as our permanent dwelling. The house has been valued by the…
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bank loan for a deposit ?
This is my very first post anywere so here goes.. I wont bore you all with the personal history but the short version is im desparate to get (back) a place of my own. Like a lot of people i am struggleing to get together a deposit so im concidering getting a bank loan to cover it. My aim is to buy beow market value at…
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How long between exchange and completion?
We were originally given the expected completion date of between the 3rd and 10th of September, so we gave our notice on our rented house and need to be out by the 25th of September, but our solicitors haven't even exchanged contracts yet (although I'm told they are close to it). We are 1st time buyers and there is no…
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Completion Statement
My conveyancer has requested a "Completion certificate" on the house I am selling Please can someone explain what this is and where I would find one (solictior said it should be in my deeds but I can't find it?) My house was not a new build when I purchased it either, don't know if this makes any difference.. Cheers
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switching energy providers, for when we move into our new house
hi there, my OH and I move into our first house together in a few weeks (all being well) I just wanted to know how we go about switching energy providers before / as we move in. are we tied into the existing ones ? or can we tell them we are teh new owners, and no longer wish to have them providing our fuel ???
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GaZumping! What is legal and what is not?
My partner and I have had an offer accepted on a house, we're currently homeless living with family and the house is bereaved estate with no chain. We have had our offer formally accepted but the estate agents say they won't remove it from the market for at least 2 weeks as they want to to get an extra £6k for it. They…
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Inappropriate???
I moved into my current property in June this year, it is a 2 bed house through a private landlord no agent involved. I live on my own with my 2 children and am currently 5 and a half months pregnant. OH works away so im left to pretty much do everything myself. The landlord has been pretty good so far and has come round…
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Dissolved company
Please help.. the company my partner worked for was dissolved in March 2009. We are applying for a mortgage in france through the french banks but we are missing the P60 that the bank is requesting. All tax returns have been sumbitted and received by the revenue, but we still are unable to get this P60. If we do'nt hand it…
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Notice to leave question
We are coming to the end of our fixed years lease and have had a letter from the letting agent today stating "your existing tenancy agreement provides for the continuation of your tenancy on a month to month basis,until such a time as either party wishes to give the agreed notice of their intention to terminate the…
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Renting advice needed!
Hiya guys, Me and my partner are currently renting a property through an agent and everytime something goes wrong (It was a new build in 06, and we were the first ones in it so alot of problems we have had!!), they take weeks to deal with the matter, and never ring us to let us know what is going on etc. Over the B/Holiday…
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How do people finance auction purchases ?
Guys, I've spotted a house coming up for auction sale in 4 weeks time but i'd love to understand how people finance such purchases. We are homeowners but our house is not on the market yet. The property has a guide of £160k but realistically it'll sell for well over £200K. I could raise the 10% deposit fairly easily but…
