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Garage conversion and building regs
Hello the house we are buying has had a garage converted into a playroom, utility and computer room. The vendors did not get building reg approval which has been raised by our solicitor. The conversion was only finished late 2008 and they have refused to seek build reg approval and claim they will take out an indemnity out…
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Buying in a chain. Survey?
We saw a house today that we like. Only problem is its in a chain, something we'd hoped to avoid. The vendors havent yet found a place. Is it normal to wait until they have had an offer accepted before ordering a survey?
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The price of house
Sorry but I'm going to ask what many would consider a silly question, as I know pretty much nothing about houses/mortgages etc... What would be your first thought's on a flat at £20k? http://www.rightmove.co.uk/property-for-sale/property-29033693.html If I put away about £500 a month for the next 4 or so years then I'd say…
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Security in rented house
hi everyone, I live in a rented shared house and due to a incident this last few days I have been thinking carefully about our security. At the moment there is just a sneck lock on the front door, there is also a deadbolt (which we arent currently using due to the fact that in order to exit the house we would have to find…
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Monthly Bills
Hi there. Me and my girlfriend are going to be moving into a flat hopfully by the end of may this year. I have done alot of research into what will need to be payed each month and living costs and all, but just wanted some second opinions Basicly it looks like this Rent utilitie bills counciltax contents insurance Mobile…
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Do buy-to-let mortgages count against what you can borrow for your main home?
What the title says really ... If a lender is prepared to lend someone £200k, I know that they deduct any amounts owed on other residential mortgages. Do they deduct amounts owed on buy-to-let mortgages?
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Offer accepted -pay deposit to secure deal?
First time buyers in good position. Our offer was rejected on a property we were very interested in (top of our budget) and house was eventually sold. Sale on the property however fell through again last week (second time) due to their buyer pulling out. Emergency phone calls to save deal etc and they accepted a revised…
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1st payment on new mortgage
Anyone know how this works? We might be taking a mortgage with First Direct (once we find a property!). I know you can choose the date your mortgage is due, and I suppose if I choose the 5th of the month say and we move on the 1st, what and when would we pay? Does the interest only become due at the end of the month etc?…
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Looking for advice
Hi all, wondered if somebody could help out. Went to visit a friend today who rents, been there for a few months paid £700 deposit. anyway, her sister has burned a big hole in bedroom carpet (iron burn) Would them changing the carpet have any effect on their deposit? changing the carpet for the bedroom would be less pricy…
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FRESH VALUATIONS - Still £26k difference!
House valued Sept 09 £325k, sold in 6wks, fell thru month ago. Decided to try new EA so called 3 round. Valuations - 1: offers over £319,950 to achieve £325k; 2: £315k; 3:£299k. The EA who said £299k had just sold a property same sq foot/style as ours but different configuration - we have 5 beds they had 4 beds - for £297k…
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Just sold my house, missed payments on mortagage and now need to rent!
Hi everyone, Im really hoping i can get some advice. I am a single mum of two boys living on my own in my 3 bed house. I have just sold my house as I really feel I need a fresh start, but when my partner left he carried on paying the mortgage as he had been advised to by his solicitor. 4 months ago now he stopped paying…
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Conveyancing in Reading / Farnborough area - Bennetts?
Hi Just wondered if anyone had any recommendations? I have decided against online conveyancing. In particular I wondered if anyone had any direct experience of Bennetts Conveyancing Solictors in Farnborough? (PM me if you prefer!) Thanks!
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What's a property closure order!?
In the details for a derelict former cottage that's going to auction locally - it states that; 'There are no unexpired planning consents relating to the property. We understand that a closing order was served on the property in 1971. As the agents, we are enquiring whether the Council will support reconstruction of the…
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Buying a 40yrs lease council owned flat
Hi, everyone. I am thinking of buying a flat with 40yrs lease left. It owned by the council. It is a repossession property and it advertised by the local estate agency for £65k. The similar property in the same area is around £80k, the potential rental income is around £500pcm. I am a cash buyer. If I am renting the…
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force a sale?
Hi 5 plus years ago my father died leaving his share of the house to myself (it was registered as tentents in common with his wife) Due to her age I diod not ask for the house to be sold and have been paying building insurnace since fathers death. My name is on the land registry documents. She has now recently died leaving…
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Heenans Solicitors - advice please
I have just received by recorded delivery a letter from Heenans Solicitors ( M Heenan - Non Practising ) regarding I should contact them at my earliest convenience about a balance that they hold on their client account regarding a house purchase that was mad back in 2005. The headed letter states Heenans Solicitors and…
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Bad debt of previous home owner
Hi everyone, Just wondering if there is a way I can disassoicate myself with the previous owners bad debt or stop any mail continuing to be delivered? I bought the house as a repossession and since then we are recieving mail from creditors etc for him. We have been writing on the envelope 'no living at this address' and…
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First time buyer: opinions please
In the last month I have reserved a flat on a new development and am in the process of buying it. The mortgage offer and valuation are through so everything's going well so far. Thing is, I'm beginning to think I may be doing the wrong thing. I guess I'm just panicking about my deposit and fees. When I reserved the flat I…
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For sale by informal tender
Why would you do that on a normal house?? http://www.rightmove.co.uk/property-for-sale/property-15124347.html
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Overvalued or a ridiculously low valuation?
Im a 1st time buyer, with a 10% deposit. Had an offer accepted by the vendor. This property is sold at a 50% discount scheme (affordable housing scheme) Basically the leasehold property must always be sold at 50% of its market value, but you own 100% of the property. The property was valued at 160k in November 09,…
