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taxable deductions??
posted in wrong section.
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100% Mortgages
This is just a thread out of pure interest. We've started saving now for our first home, but it will take about a decade to save a deposit and we were joking that by the time we save it 100% mortgages will be back anyway :p So do you think they'll come back or have the banks learned their lesson? My husband thinks they…
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Deposit with problem LA
I am in the process of moving out of a house and into a new rental house. I already have the new house and I am just looking for some advice regarding my last month rent and deposit. I have had nothing but problems with the letting agency throughout the entire tenancy and this is the reason I'm moving. I have been reading…
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Service charges during flat sale help
Afternoon all, I'm selling my flat to my lodger and I'm wondering how the process of finalising the service charges works. I contacted the local housing association and I have currently paid £288 ( this is £36 per month X8 months). There is also a £79 charge for repairs. I have exchanged now on the flat with completion set…
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Offering stamp duty paid for house sale
I'm considering on offering stamp duty paid on my house which is currently for sale, the house is currently marketed at 168k so first time buyers won't be effected but other potential buyers might be more interested. Is this a good idea ? What are the legal implications ? Would it effect house value for the buyers mortgage…
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Residential Permission...
Not sure if this is the right section... I'm looking at buying some farm land... long storey short i want to put a mobile home on the land. What permission will the land need? I know it won't need planning permission, but i've been told it'll need residential permission?? I've tried the planning portal, and google but i…
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Cheeky Offer
Viewed a house recently that had an asking price of about £150,000. When i was speaking to the EA, I said I thought that the property was overvalued, before I can say why, he told me that the Vendor was expecting to accept an offer and for me to put in a cheeky bid. I think its worth 120-130. The poperty hasnt been on the…
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Capital gains tax liability??
Hi I have recently split up with my partner ( we were not married) and have come to financial arrangement ourselves. She at present is stopping in our main home and I will be moving in to our buy to let second property which has no mortgage and will me my main residence. My name will be on the title deeds only, and at…
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Looking at buying an Ex-Council +5 storey Flat
Hello new here, told this is the place to go for good advice... Have a bit of a problem, I am looking at buying a 3 bedroom flat in a 5 storey ex council block. The flat has been been renovated to a really high spec. The block is in good condition and the square ft is twice anything else in the area. Everything was running…
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Made two offers on a house, both rejected.
You guys have been so good so far especially for us hapless first time buyers who for the most part don't have a clue what's going on. Now we need some more advice. We've found a house for 309,950, but according to a past thread this is way over priced (they bought it for 295k in November 2007) We offered 280k first time…
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Indemnity insurance - who does it cover?
Hopefully a quick one! We are asking for indeminity insurance to cover lack of building regs. We are happy the work is safe, but are concerned this will come up again when we sell. Does a standard indemnity policy cover us or the house? I.e. if we get an indemnity from the sellers can we use it when we come to sell. If…
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Question on renting out a house privately.
If someone lets out a property on a private basis and they are on PAYE (i.e. no need to submit a tax return ) is it solely up to them to advise the taxman of their rental income and what happens if they don't? I'm only curious because I hear of some young people unable to meet their mortgage payments so they move back to…
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Contractor Mortgages
I posted this on the mortgage forum yesterday and didn't have any luck so trying again here! I’m wondering if anybody here has experience with contractor mortgages, I’m a contractor and FTB and as such am absolutely paranoid about a mortgage lender pulling out on me at the last minute as a contractor is not so stable as…
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with an agent but found my own buyer....
I have a 2 bed flat on the market with an estate agent, however a friend of mine has expressed an interest to buy it. Just wondered if there is a way i can sell to her without going through the agent as then i can give it to her at a lesser price which I would have saved in agents fees........? Just wonderin really, or do…
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Advice needed on extra mortgage for work needed doing or loan etc
Hello, will be in touch wih my mortgage advisor today, although wanted some advice prior to. Sold our house(2 bed) for £156k, no chain as bought for someone to rent out. We have offer accepted on reposession of 155K(3 bed) it needs central heating, new bathroom, new carpets and lick of paint etc, and summer garage…
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Thoughts on my rightmove ad???
Our house has just gone on rightmove. Would love some feedback, does it look ok? I'm going to ask them to put the home report valuation on the ad too - to show we've got it on at £2k under valuation. (Scotland). http://www.rightmove.co.uk/property-for-sale/property-29279273.html
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Rent Money
Hi ive been living in a flat for the past 6 months, i handed in my notice that i was leaving more than 28 days ago. And the rent company has just took the rent money out my bank. Im due to leave on Fri as this is when my tennancy expires, however ive arranged removal companys to come on thursday and i have no money now…
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Flying Freehold
I am mid-way through the purchase (hopefully !!??) of a 1900's stone built terraced house which includes an archway (flying freehold) into a courtyard featuring a number of other properties. Built over this archway is my 2nd bedroom and also a room owned by an adjacent attached property. The lender is happy to progress as…
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Transfer of deeds - divorce
Hello moneysavers, I have found many good ideas on this site and on these boards. Now I need some help with the following... My husband and I are divorcing. While married, we have acquired two properties - one we live in and one we have been letting out. The one we live in has deeds and a mortgage in both of our names. The…
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Mortgage deposit
im looking to move house soon however i do not have enough of a deposit saved up. what are people's views on taking out a loan for this? it will take me years to save up enough for the deposit :( thanks
