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Would I fit the criteria for a shared ownership property?
I'm 28 years old. I had a mortgage with my ex for a flat which was sold in Jan 2008. I am single, earning £12.5k pa, have £25k to put down as a deposit. Though I cannot afford to buy a property outright (ie the traditional way) as I am about £20k short. I don't want to change my job as my job is very secure as I work in a…
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New rented house - place is filthy, causing my ashtma to go off
Hi all, I've just moved in to a rented house, my girlfriend picked up the keys on Friday afternoon, although I didn't get a chance to go round until Saturday afternoon. The first thing that occured to me is that it hasn't been 'professionally cleaned' as the estate agent had suggested it would when we first looked around…
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first time moving out.... any advice?
hi my names Steve, me and my partner are moving out for the first time, into hopefully a 1 bed flat or studio apartment, we've seen places up for rent including bills (water, some even include council tax) but outside of the rent money how much money do we need for food, and other things like phone lines etc an information…
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House insurance quotes...
Hi, We're in the process of buying our first home (we're engage, both first time buyers), we've got the AIP and we're meeting with the mortgage and estate agents tomorrow to move things along. I've been looking at quotes for house insurance and perhaps I don't really know what a 'good' quote is but they've been coming out…
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Scotland-Gas fire condemned, seller should pay to fix - will I win in court?
Hi everyone Looking for some advice. I am in Scotland. The gas fire that was in our house that we bought was deemed unsafe during the annual service (which I got done) and has been isolated by the gas safe engineer. The fire is ok but the brickwork inside the chimney breast need re-cemented, as the fire is being…
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Tenants have caused damp.... Help!!!!
Well this is my first post ever on here so i hope somebody can help me. :confused: . My husband and i are a year into our first year of renting out our house. Our 1st year is actually up in 2 weeks. However we had a call last week from the e/a that we were to pay £1300 to fix a damp problem. Shocked i went to have a look…
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rental contract advice-renting from SO and his ex.
My chap has asked me to move in with him to the house he owns jointly with his ex partner (she no longer lives there, but is currently still paying her share of the mortgage). I would take on her share of the payments, effectivly renting half the house. They aren't on the best of terms, and I can forsee trouble if I don't…
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Maximum Tenancy Deposit
Hello Everyone, After my recent bad experience/s, I wanted to know is there a legal rule in terms of the maxumum deposit you can take. I was told by a colleague recently that a lot of landlords are asking for 3 months deposit! Is this possible? Are there rules/laws regarding what you can ask. I am a reasonably person, but…
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tenant trouble
I'm having some trouble contacting my tenants to arrange a time for a builder to come around and do some minor repairs on the property. I had a builder go round initally (had agreed a time with the tenants beforehand verbally) and they didn't open the door despite them saying they would be home at that time! :mad: Since…
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Broken boiler
Hi people, our boiler has broken in our student house. Weve contacted the landlord as they run the property not the letting agents. She said shell sort it out shortly. But every other problem in the house has taken weeks to sort out. Lukcily we have an electric shower so we have hot water there, but we cant do the washing…
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Spousal Claim on Inherited Property - Scottish Law
My neighbour (let's call her Mrs X) has been married for 35 years. All through the marriage she worked full time and both she and her husband paid for the upkeep of his widowed Mother's large property hundreds of miles away. When the Mother died the house was inherited by Mr X (the only son) and they continued to look…
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Is Indemnity Insurance Enough?
Hi I am purchasing a house and it turns out that the driveway is not registered to the current owner, it is unregistered. My solicitor says that we should get them to apply for a possesory title backed up by indemnity insurance. Now the complicated part..... the people selling the house have seperated and are selling so…
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Survey has come in - need advice re- roofing
Well the survey came back with nothing too bad except the roofing. On the survey it says: "It appears that verge pointing has fallen out which has caused some unevennes and displacement of tiles. I would recommened a general overhaul" Has anyone got any ideas how much this kind of work would cost? Is it a simple job? I…
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House as a gift.
I am in a position where a friend of mine wants to buy me a house. She is going to buy the house as a cash purchase and transfer the ownership to me, giving me the deeds. Is there anything I need to be aware of, would this be in the catagory of IHT? The house is currently valued at £195,000 but she is going to extend it to…
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Solicitors fees?
I've had a quote for the solicitors fees on a house I'm buying, are they comparable to what other solicitors would charge, not online ones. House price = £109,750 Legal fees = £395 vat £59.25 Transfer of purchase monies = £30 vat £4.50 Environmental search = £43 Official searches = £8 Land Transaction Form = £57.50 Land…
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Buying partner out of house-he's dragging his heels!! Help!
My partner has broken up with me after 6 1/2 years and we have jointly owned a house together for the past 15 months. He says I can buy him out and take over the house as he is not from the uk and says he will be going home probably next year. Even though this is his decision, he is dragging his feet and seems reluctant to…
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Getting Deposit Back, TDS, How Does it Actually Work?
OK, so here I am, staring at my TDS paperwork as I'm moving out next month. Yes it's protected... but can't find out how to actually "do it". I've been to the Govt website, yet another wonderful website by the Govt that tells you what something is, not how to do something. So, what's the actual process? What happens? How?…
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Do previous tenants debts affect credit rating?
I've lived in my house for 18 months and never had a problem getting credit before but now nobody will give me anything, for no apparent reason as when i checked my Experian credit report everything was satifactory. I'm wondering if the fact that the previous tenants being in debt (which they were quite badly) would affect…
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Leasehold issue. Gagging for advice. Section 20. Please read.
In March 2007, a friend and I bought a flat together. It is an ex-council property and is now maintained by a private organisation. In fact, at around the time we bought the flat, the council were transferring their responsibilities of dealing with such properties over to the newly formed private enterprise. After we put…
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unusual Repossesion question.
If someone has lent someone else money on a private mortgage to buy a house and keeps a charge on it for that amount, and they dont pay it off what are the options? Can they reposes but not own it themselves but if they have another buyer in mind the repossed property goes to them instead?
