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Can eaf's fees be too low??
I will be putting my house up for sale in the next week or two (once i've arranged the hip which i'm very confused about ) i have been looking in the local paper the last couple of months and noticed most agents fees are between 1 & 2% which is alot of money when our house has been valued at around £350,000. I have noticed…
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Landlord charges
Hi, A got into some difficulty with payments to my landlord. He involved the guarantor, but that has caused problems for me. I thought that we were talking and negotiating so that we could resolve the outstanding payments. A few days ago the landlord said this was taking too much of his time and he was passing it to a…
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Who are the best internet estate agents
I'm thinking about using an internet estate agent for the sale of my house, in order to save on normal estate agent fees, and enable the property to be advertised on rightmove etc. So far, I've looked at : isold.com housenetwork.co.uk 121move.co.uk I've also heard that Tesco are planning on launching a service soon. Can…
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How much access to give LL
Hi, We're in a rented house with an AST til July. During our time in the tenancy the previous LL had finanical difficulties and sold the house to the current LL.The current LL is hoping to move into the house when our tenancy ends. We have just received a request via the letting agents for a visit so that the LL can get…
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First time buyer and deposit
Hi Im looking to buy my first property aged 23yrs, i have no debts and am currently earning just 17.5k with no dependants/major outgoings. I got a mortgage quote from HSBC for 80k and am looking at 2 bedroom houses which are around 80k-90k in my area. I was wondering if i got the 80k mortgage and the house was 80k would i…
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Moving home - question on how it works
Hi, I currently have a mortgage on a property which I bought in 2006 Q3 which will therefore have lost some of its value. I paid £80,000 for it back then. I have seen a house in a nearby area that I would be interested in moving to priced at £85,000. As I already have a mortgage I am not too sure how it works...do I; 1)…
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house buying - holding deposit? Help
Hi, Having had our house on the market for just over a month with no offers we have just received an offer today for just below the asking price! :j The buyer has to sell his property but is very keen to get our flat and has offered a good price with the request that we remove ours from the market for a period of time (4…
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"Unreasonable" service charge and repair bills & lack of adequate sinking fund
Please help! I am a leaseholder in a block of 38 flats (10 are leasehold) and have just been informed that I will have to pay in the region of £8000-£9000 to contribute to building repairs that have just taken place. The housing association has a sinking fund but over the 30 years that the property has been collecting…
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HIP/Remarketing advice please!
Hi, have decided to change EAs for number of reasons. HIP done end Aug 09. 3 EAs coming today, 2 been so far. One suggested leaving current estate agent, then having a month gap before coming back on market - so that we appear 'fresh'. I'm worried if we have a gap our HIP will need to be done again? EA said it didn't but…
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Single @ 39 - where to buy in London?
Hi all I am recently (and unexpectedly) single at 39, and now need to start out on my own again. I've taken a job in central London, and am currently renting in Putney. I've got a budget of £200-230k, and am looking to get a 2 bed place somewhere that is safe, has a bit of atmosphere, and has good tube links anywhere in…
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assured/sitting tennant problem
Hi all, Please Please Please can someone out there advise me on my current situation !!! I've lived in my house since jan 1990 and three years ago my land lady died and still the will has not been sorted. However my land lady's brother has so far had approx 10 valuations on the house !! He asked us if we wanted to buy it…
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First Time Buyer - Valuation not as expected
I could do with some advice. I'm a first time buyer, buying the flat I am currently occupying from my landlord. My offer of £125k was accepted and I got a mortgage offer of £100k from HSBC, so 80% of purchase price. The valuation was done on Thursday and I've just got the report back this morning. It has been valued at…
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Renting property. Can estate agent charge this?
Hi I recently verbally agreed over the phone to rent a property and paid a £150 application fee at the same time. I was told this was necessary to reserve the property and prevent any futher viewings taking place. Since not seeing the application form on paper when I paid the £150, I asked if there were any conditions of…
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Getting a mortgage on a property that hasn't got a bathroom or kitchen sink
Not sure if anyone can help. I've seen a repossession that needs work doing to it, the old owners have ripped the central heating system out and the bathroom out. The property is currently on the market on £85,000. Next door is for sale at £109,950. I originally viewed the property last week, but its changed agents. I…
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Unoccupied House/Land
Hi all, long time reader, first time poster :P Bit of a long story, but basically myself and my partner are looking to buy our first house. Unlike most first time buyers we have a healthy deposit... We've been looking for sometime now for a rural house within our price range, as a bit of a project (i've got a good history…
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dishwasher
in the process of selling our house and moving to a new one. approx 8 weeks i think until everything goes through the new house has a dishwasher which they are leaving, our current one doesn't went to supermarket last night and saw offer on dishwasher tablets, buy one get one free......................so i bought 4 bags.…
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Tenancy guarantor
Hi to all, I have signed as guarantor for two people close to me. They have seperate flats in the same block. One of them has become very unreliable, owes approx £1k and is likely to be more before this is finished with. The landlord is now demanding payment from me if the tenant doesn't pay. She can't find the money. I…
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Overlap in moving dates - what to do about utilities?
I'm moving house soon, and will be completing on a property 4 days before the tenancy expires at my rented flat, which gives me a few days to get moved and clean up after myself. Presumably from the day of completion I become liable for gas, electric, water etc. usage at the new property. If I inform my suppliers of a…
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A first time buyer question
Hi we are looking to buy our first home. I am pregnant and not working at the moment and my partner is self employed. He earn't £28k last year and I think £25k the year before. We have found a house for £115 - £120k that has been on the marker for nearly a year and is empty. It has just been reduced from £120k - £125k so…
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Pre-Contract utility check
Hi All, Help appreciated... My wife and I have had an offer accepted, but, in the HIP, the vendor ticked 'Don't know', in reply to questions about last Gas check, and last wiring check. As he purchased from the council in 2003, and lived there prior to that as well, one might feel he should have some idea. Should it be…
