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Help! I can't get a guarantor...
Hey everyone, Not sure if there's an answer to this problem, but am calling on the Greater Collective Knowledge in the hope there's a solution, somehow... I'm registered disabled through CFS/ME, in receipt of long-term Incapacity Benefit and Disability Living Allowance (Higher mobility used for a car, lowest care component…
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Transfer of equity and stamp duty
Hi there I currently own with my Dad and we want to transfer the property solely into my wifes name. Does anyone know what the stamp duty implications are for this? Also if we wanted to buy another place and hold on to this flat and keep it in my wife's name - does anyone know what the capital gains implications would be…
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Apparent lack of build over agreement
Hello, I came across thisexcellent website, and I would very much appreciate your thoughts on my situation! The house I am are purchasing (over 100 years old) had a 2 storey extension built 10 years ago. All the necessary consents are in place. Our solicitor pointed out that on the water search it showed that the drains…
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Renting in Hull.......help
Hello all, I've probably posted in the wrong section but i am in need of some advice. I will be moving to hull to work next month and was wondering where is the best place to rent. I have heard beverley is nice and cottingham is ok. From reading online news i read hull is not a very nice place to live........ Any advice…
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Buying overseas property in South Africa
We are based in the UK and own property over here. We would like to buy property in SA and would like to know if we would be able to get a UK mortgage for the SA property. Can anyone help?
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Buying a house with a friend
Hi, myself and a friend are considering joining some of our ISA money ,earning poor interest, into a deposit for a flat in Oxford. Whilst she is in the area my friend would live there and pay the mortgage payments instead of renting elsewhere (could be years who knows). If she then moves away we would ideally keep the…
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Landlord/agency withholding bond.
Pleasse can anyone give us some direction as to what to do. My son moved into house with 1 year agreement. He was given £120 to paint the inside of the house as it was in a state. The contract does state also holes and wallpaper peeling etc. roughly 11 faults in the house. My son repaired these cracks on ceilings etc. He…
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"room" for sale in London
I saw an advert for a room for sale in London. The owner is selling every bedroom, plus the lounge and dining room which are seperate rooms ie have their own door. It states that the rooms are a good investment as they are renting for £80 each per week. Thats very true. However I have a few questions, how would this work…
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Do I have to pay for a new HIP? Help plz!
A total newbie here, any help is welcome. First time buyer here, I just got a letter from my solicitor today, apparently the HIP from the seller’s solicitors is outdated. It seems that the house may have been on the market for a long while as the searches in the pack were obtained in February 2009. in the mail, she stated…
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Type of survey?
Hi All, We have just had our offer accepted! Hurrah! :j Our solicitor says that we should get a homebuyers survey rather than a building survey, as it is a maisonette and the surveyor won't be able to access the entire building. Does this sound right to you people? It's a victorian property, so I'm keen to be on the safe…
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Agreement in principle
We’re just at the very early stages of buying our first flat and as I understand it, it’s best to get an agreement in principle before seriously considering making an offer. So our independent mortgage advisor has found us a couple of good deals. The one with the lowest rate though has a stricter salary-multiple limit and…
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Are we wasting our time?
I live with my partner in his house and we want to sell up and buy together. Unfortunately he bought the house for a high price in July 07 and has accepted that he will probably lose money selling it but is unlikely to go into negative equity. We put the house up for sale last week for £239,950 which the EA seemed to think…
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Excited First Time Buyer :)
Hey guys, I cant believe but I'm finally jumping on the property ladder this week as I complete on Friday and am super excited!!! :j Just thought would ask those more experienced home buyers out there for tips on things to sort out over the first few days of home ownership, things I might not have thought of. Of course…
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Consent to Buy Criteria
I and my partner bought a flat a few months ago. Unfortunately we've had a few relationship issues, but we're commited to working them out and are thinking of spending 6 months apart, with the favoured option being to rent out the flat for 6 months, with us each renting separate accommodation nearby. I understand that to…
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Declaring addresses when applying to rent
Hey all, When making an application to take on a tenancy via a letting agent, does anyone know what information their credit/reference check can actually uncover. If I didn't declare a previous address, would they know? I ask because unfortunately I've had issues with being knocked back because around 2 years ago I…
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FTB - Do surveyors have set charges?
Hi All I am buying a maisonette in Tooting, sw17, London - 64sq metres/ 2 bedroom. I have been told to go with an Independent surveyor from my broker - as the bank will be more expensive. The quotes I am getting are- Homebuyers - £450 +vat Structural - £650 + vat Is this a standard set price for all surveyors please?…
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Removals firm recommendations - Move from Wembley to Timperley, Cheshire
Hi, I need Removals firm recommendations for a move from Wembley, Middlesex to Timperley, Cheshire. Thanks.
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New repossessed flat causes delay in moving...what shall I do?
Hi, I'm after a bit of advice regarding a flat I've been trying to move into. I'll try to keep it brief... I was shown a flat by a letting agent ("LA") at the end of May. I was told that it had been repossessed and is now managed by a property management company ("flat PMC", or "FPMC"). Due to the flat being empty since…
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Where buy-to-let? within 40 miles of London
I am looking to buy a buy-to-let studio/1 bed room flat anywhere [1] location walking distance from town centre/rail station [2] easy tenant availability [3] not a rough area Where I should buy? I am happy to buy anywhere from London to Northampton. Luton, Milton Keynes are two candidates. Where else? My budget is £50k to…
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Help with Rightmove stats
Hi We have had our house on the market for about 6 weeks but no viewings so far. Our previous rightmove stats were above average for the estate agents but the most recent 2 weeks show below average for all areas. Speaking to the agent they say the market is very slow in this area, Newport South Wales, and that it is too…
