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Help choosing mortgage product
Ok, we're in the process of buying a new build due to be build complete in september time. We have spoken to our mortgage company and have an agreement in principle which lasts for 3 months, then after applying, the mortgage offer will be valid for 16 weeks, so hopefully there shouldn't be any problems having to re-apply…
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Mortgage advisor - obligation to pay
Hi, we've used a mortgage advisor to find a good deal. He actually came back with a mortgage we already had on our list which we can apply for direct. Key Facts states the mortgage advisor fee is not chargeable until a mortgage application is made. Sure it's not very nice...but am I under any obligation to pay the mortgage…
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Ex playing games with the roof over our heads
Please could you see attached thread on relationships board and advise?? Especially regarding the deposit; how do I go about the deposit? Would ex need to wait for his half when I move out of the house or will the LA ask me for his half when he comes off the tenancy? Many thanks.…
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Tenancy agreement has changed?
Hi everyone I have just been given my new tenancy agreement to sign and it appears to be different from the last 6 i have signed. After reading through not alot has changed its just laid out differently. There is one new bit though which i am hopeing to clarify that i understand correctly. It says The tenancy hereby…
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Buying a Repossessed House - Nightmare
In March we had an offer accepted on a respossessed house, some 3k below the asking price and asked to be able to complete within 28days. We have literally run around like mad people to get this wrapped up quickly. In our final week this week we were on track to complete as planned. Today we received a call from Estate…
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Buying a Repossessed House - NIGHTMARE
In March we had an offer accepted on a respossessed house, some 3k below the asking price and asked to be able to complete within 28days. We have literally run around like mad people to get this wrapped up quickly. In our final week this week we were on track to complete as planned. Today we received a call from Estate…
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Holiday Home - anyone with experience?
We'd like to buy a holiday home sometime in the future, somewhere we can use for our family breaks as well as hopefully rent out to holiday makers. Would consider a proper house or flat and perhaps a permanent chalet but not a caravan on a site. Would be interested in hearing any experiences and advice on buying /running a…
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Independent New Build - What to ask
Hi there folks. I'm off to view a new build bungalow with my parents in the morning. The bungalow they're going to view is an independent new build, i.e just the one, on what looks from the EA photos on a piece of land behind other houses. What do we need to look out for and what important questions do we need to ask.…
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House selling is a right pain!
Our house has only been on the market for 2 weeks or so, but already I am p****d off with it. Why is everything so complicated now? This is our third house, but we last sold over 20 years ago and things have clearly changed a great deal - for the worse, since then. I thought this useless government was trying to make house…
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Valuation of my house
I had my house valued last week and have received a letter with details of what the Estate Agent will charge etc...thought I'd post what was in the letter to see what people think of it. The EA valued the house at £105,000 and suggested putting it on the market for £109,950 initially. In the letter he states: 1) Commission…
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buying a 2nd house?? morgage
right here goes, im interested in buying a 2nd house and letting it out, ill be letting it out to my mother. Im self employed and what exactly will be my options on deposits etc? should i but it through my business or will buying it personally be better? thanks
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No permission to let - Should I sell the flat or keep it?
Hi everyone, My situation is slightly complicated so please bear with me if this message is a bit long. :) I looked into buying my first house last year and got my offer accepted before Xmas. The exchange process took a long time and my flat was exchanged and completed in Mid March (just a few weeks ago) and I took out a…
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Is The Price Right?
Hello. Some advice desperately needed here as to the sale price of my home. Was about to put my flat on the market this week for £129000. A good price I thought going by zoopla and other sites. It’s in a good area and has a sea view. There hasn’t been any flats sold in the same road for a while...until this week! A very…
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No Houses For Sale!!
Hello, We've recently accepted an offer on our house, but have found there is really nothing we can afford to buy in the area we want to live. There are a couple of places on the market, but one we have already negotiated on and walked away from (buyer upped her asking price whilst in the middle of negotiations?!!) and we…
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Reclaiming money from freeholder
Hi all, I'll try and be concise, but as you can see, I'm a relative newcomer, so I can't post links etc, so if you need more information, please be a little bit patient with my typing skills! A good friend of mine recently moved out of her leasehold maisonette. She owned the top maisonette of two, and the two had shared…
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Mortgage fee
If my mortgage is set up and I have paid the fee but this particular house sale falls through will I have to pay another fee in order to set up a mortgage for a different property? Or can I just assume I have set up a mortgage for a set amount subject to a satisfactory survey and valuation by the bank?
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Cohabitation - advice please?
Hi, I'm hoping you clever people can help me? The situation is as follows: My partner and i are about to buy our first home together. The mortgage and deeds will be in his name due to my poor credit rating, however we will be paying 50/50 all mortgage bills etc. We are going into this with the intention that this will be…
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2 Home selling 1
I have a house and a flat, we live in the flat 5 days a week and the house 2 days a week. We've owned the house over 10 years and last year we told council flat was our main home and house was not so we get a 25% council tax discount. Now we are planning on selling our house do we suffer in any way if we say it's not our…
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Surrender vs Assignment of lease.....Difference?
I've split with my girlfriend and we have had to cut a tenancy agreement short. There was no break clause for a further 6 months so we have had to ask the landlords to find new tenants. They agreed and had their estate agents find new tenants. Fine so far. However I understood that this was an "Assignment of the Lease" and…
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Fridge gone bust...
Hiya I moved into a brand new apartment a month ago and have had several things go wrong already- the latest thing is the fridge :( Basically to cut a long story short- the brand new fridge in my brand new apartment has stopped working and rather than bother somone to come out over the bank holiday to fix it, I emailed my…
