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How to say thank you
We had some issues with the house we are buying and the mortgage lender threatened to withdraw their offer. A guy from the council came round and wrote a report for us and as a result our mortgage has been approved :T This guy did far more than we asked for or expected from him, providing a detailed report of about 10…
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Pickfords - are they expensive?
Just had a visit and a quote from Pickfords for our removals. They have advised it will be around £1200. We are moving from a 2 bed mid terrace to a 3 bed semi 30 miles away. Their online quote said 'from' £360 - I'm guessing that is for almost zero possessions then! So are they particularly expensive? I have a local…
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Buying a house in Chellaston Derbyshire
Hello:D We are looking at relocating North just to get more house for our money and half way between work and parents is around this area. Anyone from around here that could tell us about the area or advise on other decent areas to buy. The schooling has to be good as we have 3 of Infant, Junior and High School age. Dont…
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Stamp Duty - FTB
Hi, I'm hoping someone can help me. I'm a 1st time buyer but my partner has owned a property in the past with a different partner. Since separating with her ex her name's been taken off the mortgage. Looking at the new Stamp Duty rules I can see we don't qualify. I've seen a few posts on the forum relating to this issue…
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fixtures and fittings list
Hi, We're in the middle of buying our first house and just had the f&f list through. They've offered us the option to buy the dishwasher, fridge/freezer and washer/dryer for £300 inclusive. As the EA told us all that stuff would be going we didnt take much notice of it, and dont know the brand name/model or have any real…
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Solicitors Interest??
Hi, I've just completed on a flat/apartment today but was supposed to complete on jan 22nd so the solicitor had had £43000 of my cash since then as its a cash sale. Am i entitled to get money back off him for the interest they have made on my money??
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Rental - access for viewings?
We have given notice on our rental property. 2 days ago we had a call asking if the agent could come round for a viewing at 6.15 tonight. We said yes. This morning we have a letter from the agent which says "We have a viewing booked on (date next week) and will try to book in any other viewings to tag onto this in order to…
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First time buyer Stamp Duty
I am looking at buying a house for £170000 in York to rent out to my son and his 4 friends who are students. If I buy the property in my sons name I understand that as he is a first time buyer No stamp duty is payable. Once the house is in his name can he gift the property back to myself without there being any stamp duty…
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Declaration of trust information
Hi. Today i was turned down by HSBC for a joint mortgage with my GF. she is a long term customer and has perfect credit report/score. i have a very bad one which involves several missed payments over the last 12-18 months specifically with HSBC products...CC. the good news is that my GF has been accepted for the mortgage…
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Council Tax Problems.
Right. Last year my grandmother of 85 years was offered a flat in sheltered accommodation. Although at the time she didn't need it, it certainly is better her being there as i think now she would struggle to cope on her own. Anyway, she owns a bungalow which is 2/3rds hers and the other 3rd is owned by the Church Of…
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Help with remortgaging
I'm hoping someone can give me some advice, I need to remortgage my home as I need to remove my ex-wife of the property deeds. I will be staying with my current provider who will be renewing my current deal, but in my name solely. I need a conveyancer in the Nottingham/Mansfield area, who are reliable, quick & cheap. The…
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PHEW... my deposit IS protected!
After a major panic this morning, I rang up TDS and they confirmed my deposit from the place I've just moved out of is protected, thank god. I haven't heard anything from the LA about deductions, so was looking through my AST to write them a nice letter, when I noticed they'd put it a nice page designed to look similar to…
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Tenant With High Water Bill
Hi all, I've got a quick query with regard to a leaking water pipe. The tenant who is in my house has just found out that the outside tap in my house has been leaking. He only realised it was leaking recently and isn't sure how long it has been like that. The problem is it has run his water bill up to the tune of 2k!!…
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A weird scenario
Hello all, Just wondered how this would work. Me and the wife have been living with her parents for the last 6 years and now need to find our own place. Ideally we would like to buy, but prices around here are a lot. Now we have seen a place which would be perfect, but its on at 220k and we could only get a mortgage at…
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Help please!!!!
Hi, First of all i've decided to walk out of my family home, due to circumstances, no they can't be resolved. Please do not ask for the full story as it is private, and trust me there is no going back. So my income is £161 a week My Expenditure is roughly £100 a week Will income and expenditure and debt be taken into…
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Stamp Duty Calculator and Q&A discussion
This thread is specifically to discuss Stamp Duty Calculator and Q&A Please click reply to discuss
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How do I rent out my property
HI All, I would like to rent out my flat and have consent to let from the lender. I just wanted the benefit of all your wisdom on the best way to do this, do I do it on my own or via a letting agent ? I have had some estate agents round and they want to charge me 8% introduction fee on finding tenants and 15% on fully…
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How honest should you be?
When you are selling your house how honest are most people with potential buyers? Obviously you don't lie if they ask you a question (although I bet some people do), but is it your responsibility to tell them about every little fault, that might not be visually obvious, if they don't directly ask? Some things will be…
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Help - How Much Should I Offer
Hi we have got an offer for our house which is £10,000 Lower than the what we wanted, now the property we like is this one Sorry New poster so can't Link rightmove.co.uk/ property-for-sale/ property-14179206 on the market @ £195,000 it was listed late 2009. Roughly using the % loss on our House, Would a Bid Of £181,000 be…
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Buyer risks between exchange and completion?
Hi all, need some help Have a chance to buy a nice place but seller needs to delay actual move for several months time (mortgage repayment penalty). Neither of us have chains. Seller proposes: - early exchange (suits me as don't want it hanging over me) - I move into place as renter - completion date a few months later…
