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selling house with ex - advice please
as the thread says. mortgage and deeds are in joint names. i never see this man and haven't for several years but the time has now come for me to move on. im fairly sure he'll sign whatever but someone told me yesterday that when the relationship irretrievable broke down i should've written to experian to tell them this as…
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Renting out first home and mortageing a second.
im thinking of renting out my first house and buying a second via a mortgage with a 50% deposit. there is a small sum of equity in the first house and the rent will cover the first mortgage, will already having a mortgage affect my chances of getting a second and should i change my first mortgage to intrest only. im not to…
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need mortgage fast
Hi i have wee baby twins and need to sell up and buy bigger house, we have lots of equity in our home, i wanted to have a mortgage in place before i started the whole selling process,we have a good finanacial advisor but i have been turned down for mortgages. I think the reason is, when i was on mat leave i made an…
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Immediate Refund Law on Rented Apartment
Hey MSE, My GF and I recently rented an apartment somewhat close to a buy night life street. We were aware of this but the estate agent told us the windows had triple panels to soundproof them. After spending one night there this obviously isn't the case and without earplugs we wouldn't have been able to sleep. So this…
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student needs rental property in france
hello,please can anyone point me in right direction as my son needs to rent property in france for a year as part of uni course? thanks.
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Putting in a 'tentative offer'...
Hi, We are currently on the market with a property. Not much interest yet and no prospect of selling any time soon. We have seen a property we like with the same EA however my thoughts are that until we sell, we can't/won't do anything that is likely to increase hopes of any other vendors or waste their time. I mentioned…
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Renting as single parent
Hi guys im new to all this but i have to find my own flat as im currently staying with my mum but i have to move out as my son is now 18 months and still in my bedroom. I have seen a flat that would be great for us, ie perfect area for work and childminders. Only problem i have is finding the deposit which is required for…
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Darn Long Weekend...
...I'm itching to instruct solicitor to exchange
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Making HIP Available
I have asked my EA for the HIP but they have said either I can go into the office and view it on their system or get it via the solicitor. Is this acceptable? If the latter will I get charged for that?
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How long should a HIP take?
To enable your Estate Agent to market, the law says you do not need a complete HIP, you just need: - Property Information Questionniare (PIQ) - EPC - Registered Title (in the case of unregistered this means an index map search only) - Index and sale statament The two searches(local authority and drainage), lease and…
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Check your own HIP for errors - Top 10 list
So you HIP was cheap hey, well here are the Top 10 errors to self-check: 1. the EPC is for the wrong property 2. the Local or Drainage search is for the wrong property 3. an EPC is there, but no one ever came around to do one...means it is a cut and paste job, and that is a very serious breach 4. the Land Registry title…
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Buying a flat with [104 year] lease - held by Council
I've seen a flat which is ex-council now privately owned - but the ground rent is payable to the Council along with a maintenance charge of about £105 per year to cover the roof and outside wall repairs and foundations I think. I'm happy with that. However the lease has only 104 years left on it [125 year leases being…
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Does your conveyancer get money day early?
Any buyer, please make sure that you put your conveyancer in funds for any balance you owe, the day before completion at the latest. And make sure the conveyancer applies to receiuve any mortgage advance you are receiving the day before completion at the latest. In that way, your lawyer can press send at 9am (unless you…
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Which kind of survey do you get?
We are hoping to put in an offer on a 3 bed terrace that needs quite a bit of work, and we're trying to work out what all the searches, surveys etc etc are going to cost us in order to budget. Which sort of survey do I need to ask for and also how do I find out which companies do them??
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Surveyors Valuation Very Low
[Bumped this up from the buyers thread as my Mortgage Advisor has really placed a doubt in my mind] We heard back, at lunch-time today, that our mortgage company's surveyor has valued the property we're buying at £70,000 less than the agreed sale price (225K vs 295K) and this doesn't include any retentions for work they…
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I need to know where I stand? Help!!
Ok this is my situation: I have a mortgage on an apartment in Ipswich which I moved into in April 2006. I left there in September 2008 due to a job change and mental health issues and moved back in with my family near Bristol. I was unemployed for 6 months during this time managed to get part time jobs to keep me going but…
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References
As some you may be aware I am having to move to a new house, we currently live with my mum, the house is being sold so i have to go into rented again. I'm going to see 4 houses this weekend, if one is nice hopefully I will get it, my dad is going to be a guarentour for me, OH is going to get his dad to be his guarentour,…
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deposit for house - HBD
hi there, we are at the beginning of the homebuy direct process and I am already getting cold feet. After the initial elation at the prospect of being able to buy our own home I am getting nervous now. We were approved for eligibility and refered to a mortgage adviser. I spoke with him and instantly he started back…
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Help on Furnishing House
Anyone got any tips on finding ways to save money on furnishing a house? All I have are a washing machine, dishwasher, cooker and carpets.
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Removal company cost from London to Essex ?
Hi everyone This is a great site, I have received so many useful tips over the last few months, so thought some one might be able to help us with this. How Much would it cost for a friend to move from London to Essex. My friend who lives in East Ham, East London wants to move to Southend-on-sea in Essex. She has furniture…
