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buy to let ?
hello people. can anyone help or advise me on the following ;- i have bought another business and as i have living space included with the new business i now have my current three bed home surplus to requirements. i had a valuation carried out when re mortgaging to raise capital for home improvements. valuation is £95000…
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Terminating Guarantor
I was a guarantor for my son on an apartment he rented, I originally signed the 6 months and then it went to a rolling contract, he lived there for nearly 2 years without a problem and then I wrote to the landlord stating I wished to terminate being a guarantor. They chose to ask him to move out since he had no guarantor…
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No Heating for 6 weeks.
From mid-end Jan to the start of March we were without heating for about 6 weeks :mad: the house was freezing and my wife and I moved into her mothers because we have a 1 year old and the house just wasn't safe to keep her in. We had hot shower water but no other hot water, and as I say no heating. Our landlord used…
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Is stamp duty payable?
Hi, I am hoping to buy out my (ex) Partners share of the property i now live in. Will I have to pay stamp duty at all?
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Asbestos .....oh no
:eek:just got suvey back confirmed asbestos in the soffits that needs removing:eek: electics are a "cause for concern" and recommend they are checked:eek: house is only 47 years old, i wouldnt of thought they were using asbestos products then!!!!!!!!!!!! how frustrating, now its gonna costs a fortune in…
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Periodic Tenancy
Hi can someone please help me with ending my tenancy. My assured shorthold tenancy started on the 15th December 09 and ended on the 14th March 2010. My rent is due on the 1st of every month. I know i have to give one months notice but on what day should i start the notice from. It says on the agreement that the one months…
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Land Registry AP1
Hi, Myself and my girlfriend purchased a house together and we are both listed on the deeds/land registry documentation. We would like to change her name as we have subsequently got married. I understand we should use the Land Registry form AP1 for this, however it's a bit overwhelming as it looks that it can be used for…
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Exchange .. who gets deposit?
Hi, Perhaps a stupid question .. when selling a house, when you exchange, do you get the deposit immediately or is it kept by the buyers or sellers solicitors until completion?
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How to offer on land...
Not sure if this is in the right place... I am hoping to put in an offer for a plot of land that does not have any PP and I am keen to buy it for self build. How do I correctly put in an offer for a plot of land? Should I do it through a solicitor? What searchs/ surveys should my offer be subject to? Should I be doing any…
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2 mortgages
Hello, My partner and I moved in together last year. He rented his property for six months. We are now looking to move as there is baby on the way. Both houses are one bedroom so we need the extra space. We are not sure what the best move would be. He has a lot of equity on is place, he bought his very cheap 10+ years ago,…
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What kind of insurance do I need - Mortgage agreed?
Hi, I have just had my mortgage agreed. However they then passed me on to someone in their bank who wanted to sell me life insurance, citical illness insurance and payment protaection insurance... I'm confused! Which one do I need? I have life assurance through my job (it's a benefit) I could have critical illness cover…
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Buildings Insurance for a Leasehold Flat
Hi all, I am in the process of buying a leasehold flat. My solicitor tells me that the property must have a buildings insurance policy in place before the bank will issue the mortgage. The seller does not have such a policy and, by consequence, is in breach of the lease. Speaking to the management company, they told me…
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Will Property-Bee be the end of lying Estate Agents?
To those who have read my previous threads you'll know that I haven't even finished my third month as an EA yet. I'm trying to be as good an agent as possible and really want to make a difference to both the buyer and seller. Having read other threads I discovered property-bee and think it's brilliant (reminds me of…
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homebuy direct advice please!
Hello all, We have just been assessed and approved for the Homebuy direct scheme. We are at the higher end of the earnings threshold so have been told we will probably only get the 80% to 20 % ratio - which is fine. Is the earnings threshold of £60k basic salary does anybody know? I get an annual bonus which isn't…
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Still waiting for New Lease?
Hi all, I am a FTB who has had an offer accepted on a maisonette that had a 70 year lease but a new lease was part of the sale. Price was 139,950. It has been 6 weeks since the offer was accepted and my solicitor has not had anything. They have followed this up several times now and got the following response and was…
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Bargaining power/discount for paying rent up front?
I haven't seen any other forum/website that covers this question, so thought I'd try here. We've just sold our house, which was passed down/inherited, and we've decided we're going to rent for 12 to 18 months before looking to buy a new place (we're young so I'm looking to get a rung or two up on the career ladder before…
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Gah annoying letting agent strikes again
I got a call from our letting agent on monday afternoon saying our landlady had someone to view our place on friday morning 9.30 - 10 was that convenient for us. I say yes as well be in as its a bank holiday. This morning my car had alternator trouble so I was speaking to the RAC man outside our house at 8am when the…
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Are we over priced??
Our flat has been on the market for almost 4 weeks and we've only just got an appointment for a viewing 2moz. We've already dropped our price once, a week ago. We're selling a 2 bed, riverside appt on 50% shared ownership for £56495. I cant post a link but we can be found by searching YO8, appartments. We're on Holmes…
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Joint freeholder selling flat - wants to extend lease
Hello peeps, I hope someone can help me out. I live in a converted Victorian house containing 2 flats. The woman upstairs is selling hers and her purchasers want to extend the lease (on her flat only). As it stands, the lease has about 72 years remaining. I always intended to extend it jointly with her after I've been here…
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Life insurance and mortgage
Simple question: do you need to have life insurance in order to take out a mortgage?
