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Discuss The 'true costs of buying' checklist
This thread is specifically to discuss The 'true costs of buying' checklist The first point of call is read the full House Buying guide. Then this discussion is specifically to talk about feedback and tips on the true cost of buying. If you want to discuss house buying in general, please go to the House Buying Discussion.…
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Discuss The 'find a property' checklist
This thread is to discuss The 'find a property' checklist The first point of call is read the full House Buying guide. Then this discussion is specifically to talk about feedback and tips on finding a property. If you want to discuss house buying in general, please go to the House Buying Discussion. If you’ve got a…
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Mortgage advice
Hey peops, Looking for some advice/options. Some background first... My girlfriend has a shared equity property (through Scotlands LIFT/homestake scheme) 60/40 split. She bought the property at £130,000. There are two properties for sale in the same block of flats both selling at £105,000 and have been on the market for…
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So you're a FTB on the verge of exchange...what do you do now?
I'm following the budget with interest today. We're selling to a FTB and we're a few weeks away from exchanging contracts. I'm now worried that the announcement in today's budget may dissuade the buyer from going through with the purchase - or at least provides them with an incentive to slow things down - until the stamp…
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Stamp Duty Threshold Raised to £250k
Hi Guys, I’ve just been listening to the Budget and AD announced that the stamp duty threshold will be doubled from £125k to £250k from midnight tonight for first time buyers Does anyone know the Inlands Revenue definition of “first-time-buyer”? The reason I ask is because I bought a flat in 2006 and sold it last year for…
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Can you claim back paid stamp duty?
I bought a house as a first time buyer in July 2009 for 250k, which meant paying stamp duty. In light of the budget announcement today, do I have a case to claim it back? Very annoyed :mad:
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can the council...
see how much money you have if you rent one of there properties in your bank accounts? Someone coming over from aus wants to transfer hes money into our account which will be alot but i dont want to do this if the council can check how much money you have in your account as i dont want to get a call saying i can afford to…
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Lodger
I have my own house and rent out a room to a friend. I have no contract drawn up with her. My insurance company have said I am not covered for accidental damage as I have a lodger. I was wondering if she is still classed as a lodger even though there is no contract? Thanks
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Electricity Bill, Damp & Ceiling - issues with new landlord.
Good afternoon all. I received some electricity bills which were from electric used before we moved into our flat, which I passed on to the landlord. He mentioned to me in a round about way this morning, that the bills were actually from when we were decorating in December (but didnt go on to say you can pay it, he just…
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First Time Buyer Savings Account
Not sure if this is applicable here or the savings forum - but I remember seeing a mention of a first time buyers isa account - I think you could save up to £30,000 as long as you had never owned a home before. Does this ring any bells with anyone and would you know whom or where I can find some more information out about…
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Statutory Declaration
Hello, I am selling my house. There is a shared driveway between me and the neighbours thats been there 30 years or more. Its not mentioned in the deeds and there was no issue regards it when i bought the house 5 years ago. (my solicitor at the time should have picked it up in all probability). I am being asked to pay £220…
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What defines a First Time Buyer
MoneySavingExpert.com Official Insert: If you want to know what constitutes a first time buyer following changes to Stamp Duty in the Autumn Budget 2017 read our news story: Autumn Budget 2017: Stamp duty axed for most first-time buyers Back to the original post... ---- When I got married I moved cities, sold my house and…
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Lease contract
Hi, I would like to buy my first flat and was wondering when in the whole process of viewing, making an offer etc. do I get to see a copy of the lease contract to decide whether the conditions are acceptable? Also, would my estate agents reveal to me if the vendor has had any offers prior to me making an offer? Thanks.
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Lease contract
Hi, I am planning to buy my first flat and wonder when in the whole process I can have a look at the lease contract to see if the conditions are acceptable. Also, would my estate agents tell me if the vendor has received any offers to present or is this the sort of information the agents would not disclose? Thanks.
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Rent out or Sell??
Hi Opinions please. We are moving out of our current house into another property we have acquired. We have lived in our current house for 21 years. We have taken out a mortgage on the current house to purchase the other property outright. What would be the best way forward now? The house has been valued at £270000. Rental…
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live rent free.
ITS possible, simple legal and free! I rented for years, and detested the situation in the UK and the blatent expliotation for renters. Housing stock being a finite resource and housing being a basic human need. Its simple, live in a motorhome. I do. I am not a gypsy. I work 55 hours a week in decent job and have no…
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can my landlord demand back rent off me if I don't have a contract?
Hey all, I've had quite a weird situation with my housing for a while....which had been good, but I think it may be coming around to the time where it bites me in the ar*e... Basically I moved into a house where there were already others living. I asked about getting a contract and everything...the landlord provided me…
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Renting contract renewal fee
Hello Bit of advice. We've been renting a house which was put on the market a couple of months ago. We gave notice and the landlord was quick to ask us to stay. They've now confirmed they're pulling it off the market and agreed with us that we can stay. We agreed with them that we would have a small rent reduction and our…
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Shared Ownership
Hi Looking for some help if possible please. I have a wife and 2 small children and I work full time and my wife works 15 hours per week. Got no savings and on a DMP but the money we bring in is ok. We are currently renting but my wife is keen to get a place of our own so the kids can be a bit more secure. I know there are…
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Can the landlord be liable for a break in?
The flat being rented by a friend of mine was broken into a few days ago. :( They took a number of high value items - laptop, digital camera, ipod, etc. They got in through the kitchen window, which was faulty and wouldn't lock properly. My friend reported the faulty window to her landlord over a month ago asking for it to…
