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May have to move sometime this year
Ok just after Christmas I got a letter from my Letting Agent, telling me that my Landlord was planning to redevelop the property I am residing in, and turn it into a bunch of Holiday Flats or something. My Letting Agent is telling me that they do not know how much time I have before the Landlord puls the trigger as it were…
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Needs some work doing
Hi All, Rough costings needed if anyone can help. The property (mid terrace, ex-council, three bed) has had the electrics checked, and a Homebuyers report done. Firstly, the place needs a rewire. Too many bits are broken, old, badly positioned or contravene latest regulations. So, any ballpark figure for this? Also pointed…
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New build flat in town centre
Hi all, My partner and I are looking at this new build flat in town centre. We are looking at the 6th floor. I was wondering does anyone here live in town centre? it is very central and we were wondering should we be worried about noises, anti-social behaviours (quite a few pubs and nightclubs on the highstreet) etc? Would…
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Weve put in an offer...its been rejected!
Hi guys we put an offer in at £94k for a £106k house...(We did this because we can stretch to £100k but wanted to give ourselves room to meet that figure) However we are first time buyers and have been dealing with a countrywide mortgage advisor, and we are sceptical about why he is helping us for free...but at the mo he…
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House or Baby, we can't do both!
Hi, What would you do? Have a baby or buy a house? My husband and I earn £2600 month between the 2 of us. My wages are £1100. We have been quoted mortgages with payments of £900 pmc including insurance for a £120K morgtage (we live in the South East and we'll have a 10% deposit for a 2 bed house. Our bills are £550 pcm.…
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New Build - First Time Buy
Hi Im looking into buying a new build and going to see one next weekend. Just wondered if there is any questions i should ask etc as im pretty much going in blind... first house viewing etc.
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How to not get stitched up again?
OK, so having calmed down enough to type a coherent sentence after those greedy nincompoops took their house off the market a few days after the survey, I have been thinking about ways of making sure this doesnt happen again. So heres the options as I see them 1. Get insurance. Does this even exist? Who supplies it and how…
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Extending lease of flat with 60 years left
Hi Just wanted some advice if possible on my predicament. Situation is there is 60 years left on my leasehold flat. The yearly ground rent is currently 37.50 (18.75 paid every 6 months), until 26th March 2037 when it increases to £50 a year until the end of the lease. There is a £20 annual service charge as well for…
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How long will it take?
Hi Everyone I am currently selling my dads house. I have excepted an offer and I received letter from solicitors today and they have advised that they have sent contract to buyers solicitors. Does anyone know how long it will take to complete? Thanks for your help!
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Where to find private rentals?
We need to move by august, and have bad credit, OH is self employed and we have a dog. I want to move before we get kicked out and know this could take some time considering our situation. Where do i find private rentals? I don't really want to go through an estate agent (Even though i work for one) because of our credit…
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how do you find out who owns fences
hi i am buying a repo and would like to know how if any way to find out who owns each fence on the egde of the property. looked at the title and this dose not sayu anything about the fences many thanks
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Flat without parking...!
Hi Guys, Hoping for some opinions/advise....I am looking to buy this flat in a block, but it comes with no car parking or possibility to get a permit, i can live without it but worried when come selling how big an issue this will be....! only plus side is flat is about 10% (abt 12K) cheaper then another flats in same…
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shared ownership (new build homebuy) help help!
Hi Guys, Apologies in advace for such a long note. I am a FTB and looking at various options with money i have got, SO seems a good affordable idea, but I have been reading lots of negative stuff about shared ownership and most comments I came across were fairly old (posted atleast a yr ago) so thought to ask the question…
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Only pay half of Stamp Duty??
Hi, Had some agents round to value our property and am in the process of trying to get them down to 1% which is not proving all to easy. One agent said they will only reduce to 1.25% but will save us half of our stamp duty fee instead. When I asked how, she was fairly vague and was going to get someone to ring me and…
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Deed of consent and charge / deed of guarantee
Hi eveyone, I am currently re-mortgaging to obtain a better rate. The financial advisor has set the ball rolling. I have just received a load of paperwork to complete from a law firm asking me to fill out several forms (my head is already hurting!!). One of the forms is titled "Deed of Consent and Charge / Deed of…
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Valuation Report Back - Specialist Reports?
I need 'Specialist Reports' apparently, Oh and to pay the valuer £40 to do his job again:mad: * Cavity Wall Ties * Damp and Timber * Roof Anyone know who I need to contact about these reports? I haven't a clue at the minute. Thanks
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Mortgage / bridging loan - what do I need?
I own outright a property worth £230 - 250k. I have seen a property I wish to buy. The vendors will I think accept an offer of £190-200k. As I have not yet sold my property how could I finance the purchase of the other property? My annual income is about £24k net and I have savings of about £20k but would need some of…
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Agency fees (I am renting a flat)
Hi Does anyone know much about estate agency fees. We went to view a 2 bed flat today. When we asked the agent about any fees, she was very vague. We told her our requirements: family of 4, 2 adults, 2 kids. She mentioned a figure of £87+VAT, but said she needed to check in the office. She rung me back now, saying that it…
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buy or rent
Hei. My name is Frank, I am 63, and I currently live with my wife, 57, in Norway,as we have for last 3 years. However we intend to return to UK later this year due to economic reasons. We shall have in total about £160,000, after selling our leillighet here. As we shall have no other form of income until I am 65, we are…
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Should I hold off buying until after the election?
apologies if this has been done to death already... Me and my wife are FTBs with a largish deposit and we're looking at houses, but most seem overpriced at the moment and vendors are refusing to take reasonable offers under the asking price. I keep hearing people referring to the state of the housing market after the…
