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Buying my first home....advice!!!!
Hi, me and my partner think were ready to buy our first home. We have a 10% deposit, we have budgeted, we know what we can afford, even down to what we will have left at the end of every month, we have viewed our property twice. Once on our own, 2nd time with parents. And we feel we are in a good position, we are first…
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Worried about mortgage/redundancy -had an idea - is it possible?
Just made redundant - about £9K in the bank. £100K mortgage - interest only. Lost life insurance cover along with job. I am 58 frantically looking for work which realisitically will not come. Flat has been on market 4 months, have just reduced price by £10K - no offers yet. I'm thinking of using my capital to put a deposit…
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Would electric heating be a deal breaker for you?
I'm researching a forthcoming house move and have idenified a small development I like, that just happens to be electrically heated. The homes are 2 bed terraces and semi's, built around 1994. The other homes I have been considering are all gas centrally heated. I'm trying to decide whether electric heating should be a…
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First Time Buyer
Hi all. Me and my partner have just received a mortgage promise and are beginning to look at houses. We can't actually move untill August time as that is when we will have the savings that we aimed for. This is for the deposit, legal fees and money to furniture the new place. If we see a house we really like, is it…
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First time renting....cost of bills etc??
Hello Going to be renting for the first time very soon - was wondering if there was a simple spreadsheet or list of outgoings or potential outgoings showing optional items i could use? Alternatively does someone mind listing the outgoing and a farely accurate cost?? Going to be rent a 2 bed flat for £450 - so things like…
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What to do with an unused closet
In london?? Well, you could convert it into a studio apartment, but why be so wasteful with space - why not go for two!! :eek: Harrods Studio Gotta love London. :rotfl:
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Clueless!
Will try to be concise.... I own a small BTL which I only have because it had dropped so much in value that, when I remarried, we kept it and spent less on our marital home rather than lose too much on it. It has a 110k interest only mortgage and is now worth approx 160k (from 187k). We now want to buy our "home for life".…
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thinking about...
putting an offer in on this house.... (it wont let me post a link - what else can i do?) www.…
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Renting with bad credit
Hi all, Can anyone help me? I am a police officer working and have been renting for approx 3 years now. I have never missed a single rent payment. My current landlord is private (Not through an agent) I have now found a lovely little cottage that i want to rent. I have paid £125 for credit checks with Maras through the…
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FTB, Survey Action Points Query
Hi I'm a first time buyer, so obviously a little unsure of most things in the process. We received our Homebyers report, and it brought up the following action points (summarised): * No ventilation has been provided to the roof void. Action: Provide ventilation to the roof void. * Limited deficiencies within the electrical…
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TDS opinions - should I claim or not?
Hi all. I am currently living in a shared house. I moved in on the 14th June 2009. I paid my deposit. I didn't receive any TDS certificate until 25th February 2010. I did try the Mydeposits website and found nothing relating to me and adjusted dates here and there to double and treble check. My tenancy agrrement has now…
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Unfair rent increase?
I am seeking some advice. I currently am renting a room in a shared house. The landlady does not live at the property. My assured shorthold tenancy began on the 14th June 2009. This has now become periodic as far as I am aware. I did move rooms within the same house back in late December 2009/start of January 2010. No new…
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Seller pulled out.
As title. :mad: Had the valuation done on Friday. On Tuesday they decide they can get more for it if they apply their horribly misguided sense of interior design to the bathroom and kitchen also. A weeks wages down the drain. It should be criminal. I hope they sell in 2012 for 50K less than we offered.
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Landlord showing tenants around before notice period starts
I'm having problems with my landlord and I was wondering if anyone can help. I'm on an Assured Shorthold Tenancy. Firstly, the Assured period was only 4 months. Is this actually legal? From what I have been reading the minimum seems to be 6 months. Is this law or just an industry standard for AST? Secondly, they called…
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is this a debt recovery company????
I have just received a letter which was at my rental property from a company called ccs collect and in the letter it requires imformation of who lived in my rental property from Feb 2006 until June 2006 and it says for water supplied....Why have i only received a letter after all this time?...Because its so long ago i will…
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How do I get gas/elec/water switched on at new house?
Hi All I have just bought a repossessed house - and all the utilities have been switched off. I don't know where to start really as I cannot use comparison sites to get quotes because there is no existing supplier. Any ideas? Many thanks as ever - you are all so clever!
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Cohabiting and dividing things up
Hi everyone I originally posted my query on the Relationships board, and though I got some excellent advice, it was also suggested I post here. As it happens there is some new info, and I am also a bit more realistic about my situation. It's as follows: My girlfriend of 9 years and I split up about 9 months ago. We had…
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Estate Agents GGrrrrrrr
Phoned to view a repo this afternoon (cash buyer). Agreed 3.30pm. I rang the EA at 2pm to say I was running late and would be there about 3.40. Got to the house at 3.42 and no one there. Rang the EA to be told it was my fault for being late and they had another house to show at 4pm. 60 mile round trip wasted. Who says EA's…
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When to get a solicitor?
Hi there I've posted a few threads recently and just wanted to say thank you to those who have responded so far. I'm meeting with my mortgage adviser on Friday to finish all the paperwork for our mortgage application, we have already had an offer on a house accepted but obviously no mortgage has been finalised for us yet.…
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possible deposit loss ??? Emergency
hi Just paid a letting agent a deposit but i will only be at the property for 6 months maximum. The problem is he has given me a contract saying that the property is leased for 52 weeks and that after 6 months i can terminate the contract (giving one months notice). The contract begins in march. September is the 6 month…
