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Developer trying to keep stamp duty refund
I exchanged contract a few weeks on a persimmon house. The completion date is next week, and as first time buyer I'm very glad to not have to pay stamp duty under the new exemption. However, I'm running into trouble, the developers were paying my stamp duty as a sales incentive, they now claim that any stamp duty they…
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Buying house - leasehold but unknown freeholder?
Hi all, Cut a long story short, found a house, asked plenty of questions, negotiated sale of said house - offer now accepted, then realised did not ask if freehold or leasehold. Turns out house is leasehold; was built around 160 years ago. In the HIP there is a property questionnaire and it says "What is the name of the…
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How do I find which Councils add Greater London Authority charges to the council tax?
Just trying to calculate how much my council tax could change buy if I moved out of London.
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Advice on ways round paying stamp duty as a first time buyer please
I have recently had an offer accepted on a house with my partner, and we are due to exchange and complete shortly. Although i am a first time buyer, she has bought and sold in the past, so as i understand it we would not qualify as first time buyers to avoid paying Stamp Duty. However, as this purchase would be a cash buy,…
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...And then 2 come along at once
So, my flat been on the market since July last year... Now I have not one, but two offers! Am hoping you folks can give me a bit of advice (I've never sold before!) Offer 1 - FTBs, with MiP in place. EA has 'better' gut feeling about these people. Offer 2 - 2.5k above offer 1. Not a FTB, but someone who completes on their…
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Buying part of a property and converting into a house.
Hi, Me and my partner are first time buyers. My nan lives in Kent, and has a house on about 3 acres of land. On the land, there is an outbuilding. It has been offered to us, that we convert this outbuilding into a house, and live there. It is big enough for a 1 bedroom house. We would like to section part of the ground to…
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mortgage advice
Advice please. I am buying a flat for about £130,000. My dad is giving me a deposit of £30,000. I can only get a mortgage for £72,000 so we have a short fall. We thought me and my Dad could get a joint mortgage but because he is 55 he could only get a ten year mortgage. Does anyone have a suggestion as to how we can do…
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Getting a mortgage with a default notice
Hi, My girlfriend has a good credit rating and earns over 30K. She has about 20K equity in her property. I have been given 20K for use as a deposit, but I have a default notice against me from 3 years ago. We've been to see one broker who has said that there is no point me jointly applying for a mortgage with my…
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Which online property site do you prefer?
Unfortunately I dont' know how to add a poll, but I'm curious to see which of the property sites you all prefer. Rightmove seems to be the market leader, but I don't think its got as many features or ways of filtering as some of the others. Globrix is pretty snazzy, but it doesn't have as widespread coverage (EA-wise)…
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help, i might be splitting up. who gets what?
:(hi everyone, first post so please be nice! me and the missus (we arent married) might be splitting up. we have been together for about 4.5 years. we own a 1 bed flat together that we bought back in 2007 for £103k (it was valued at £105 at the time. she initally put in £3000 into the deposit and we both then added another…
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Advice:Rent Deposit in 2 schemes?
My apologies if this topic has appeared before, I have done a search but can't see anything as yet. I have had numerous problems with deposits. Therefore, I am extremely cautious now when it comes to checking that my money is secured, so this may be a ridiculous question! When I moved into my current rental property the…
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Can somebody comment on this Deed para please?
Before I start, yes I know I should get professional advice. But this lease extension has been raised by a solictor so it should be ok...There's one covenant which has been added by the Landlord (NB. the Landlord = the Managment Company and all flat owners are members of the Company) (exactly as written) "The Landlord may…
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Housing Benefit Query
Can someone on here please help me as I do not know what to do. I need to leave my marital and take my two small children with me. The marital home is in mine and my husbands names, though I have never contributed to either the deposit or the motgage payment as my husband was more than capable of paying that himself. Most…
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how long to get a survey booked?
Hi all, I am new to the forum so I hope I am posting in the right place. I'm a first time buyer and have had an offer accepted on a property (a one bedroom flat with a lease). I have a 20% deposit and a decision in principle from a lender. However, the buyers have accepted two offers on the property - one from someone who…
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Online conveyancing?
Hello good people of MoneySavingExpert. I have searched the forum but can't find any advice on online conveyancing - so please accept my apologies if this is a repeat question. I've recevied quotes from a several solicitors about conveyancing on a property worth 190k. I've nothing to sell however don't qualify as a first…
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Foxtons Estate Agent
Has anybody here any experience of buying through Foxtons in London? There's a property I'm interested in at the moment but Foxtons are the sole agent. I know Foxtons have a dreadful rep in the rental market - my own landlord has taken them to court a while back but I'm not so sure how they are in the sales market. So has…
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Council house, bailiff issues
Hi all, Me and my wife have lived in various rented council houses since 1996. We have been good tennets and have never had issues with credit or loans. On the 26th of Sept '09 we exchanged council premises with another tennet (all with the knowledge and approvel of the council). Today a bailiff visited and posted an sheet…
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Never bought a property, but still not a first time buyer...
Why? because I inherited a 1/4 share of a one bedroom flat, which was sold pretty much as fast as the land registry could process it. OK I can't really be too upset as without the inheritance I wouldn't have the deposit any way, it's just a bit odd that by any normal definition I'm a first time buyer, except I'm not. One…
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Girlfriend looking to rent a room :- Advise
My girlfriend has got a job with EasyJet and she has got to move to Luton as the daily travel journey would be to far. She is looking just to rent a room as she will not be there alot of the time. We have been looking on sites like https://www.houseshare.com and https://www.spareroom.co.uk to get an idea and going to visit…
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Help with clause in lease
Hi, Can anyone explain to me what the following clause from my lease means - is it anything to do with subletting? It's a council lease, the previous owners bought under the 'right to buy' scheme, that's when the lease was created. "In the case of any instrument operating or puporting to assign transfer demise let charge…
