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help required regarding hip pack
hi all, i ahd my house up for sale last year and had the hip package done through bairstow eves, but put off payment until the house sold. i then took the house off sale and i am now paying £40 a month to bairstow eves for the hip until it is paid off, but the thing is they say i dont get the hip pack until i have paid it…
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Shared ownership? Or other suggestions..
Hi there, I'm having trouble finding any financial advice so thought I'd actually write a message on here rather than just using the Amazon tool to buy cheap shoes! I split up with my husband last year and the house we own together will soon be going on the market. I stand to make up to 120K which is brilliant. However,…
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Council Tax & Moving House
wrong forum!
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putting your house on the market using multipule EA's
Please can someone explain how this works! I'm going to take my house off the market with my current EA as at best they have been useless, shoddy photo's, no updates, 3 viewings in 3 months!! I need a fast sale and wonder if it may be better to advertise using 2-3 EA's but am unsure how this works in terms of paying them.…
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Buying in a chain - can I use the deposit - HELP PLS!
Can I use the deposit I receive when I exchange on the property I'm selling as the deposit for the new property I'm purchasing? ie if the people buying my flat give me a deposit of £75K and we exchange, this will sit with my solicitor, however as i'm also buying can I then immediately use £50K of that deposit as the onward…
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Solicitors Fees........ WOW So much
Hi Guys, us again, after some more advice. We have recently had a quote from our solicitors for Residential Conveyencing and it has scared the living day lights out of us coming in at a hefty £4329.07 (Inc Vat). now £2500.00 is for our stamp duty which leaves an additional £1829.07 in fees etc. I have listed the details…
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Loan Mortgage Deed Signatures not witnessed, help
Hi All, I took out a secured loan in April 2005, and missed a couple of payments and now have thankfully caught up to date with them, London personal loans now capstone mortgages informed me i would be charged 116 pounds per month for the duration i was in arrears. Whilst i was checking my terms and conditions for…
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Delay exchanging contracts
Hi everyone. I'm hoping you can give me some advice on what to do as I am at my Wits end. My wife and I lived in the South West and decided to relocate last year. I moved to the North East last January and she is due to move in July - the difference in time being because she wasn't able to find work until July. Our house…
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Can Anyone Help Please
On the 19th May 2010 i moved into a 2 bed apartment,on moving in the landlord required 1 months rent (Which was given at Half Price) and 1 months Bond along with £200 admin fees which i payed myself. I lost my job and had to make a claim for Housing Benefit which i did so on the same day i recieved the keys on the 19th May…
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advice needed for repair issues on rented property
My mum-in-law has rented a property for over 30 years. When the original landlady died, the property was left to the church but mum was given a lifelong tenancy. The property was put in the hands of an agent with express terms in the tenancy agreement that mum is not allowed to contact the landlords herself at all. In…
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How soon can I expect to hear re doing a survey
It is almost two weeks since we accepted the offer on our property. We have filled in forms for the solicitor and sent them off. Just wondered when we might hear that buyers are having a survey done? Is two weeks too soon to expect to hear re that? I presume it will all take time to arrange with us then it will take more…
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What now?
Hi all - am after a bit of advice if thats okay, here's hoping I've put it in the right place :o I've recently split up with my husband of 4 years (together 10). We bought a house in 2005 on a Northern Rock Together product, and have been on repayment so have reduced it by c£10k. I need to broach the subject of selling the…
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consent to lease
Can anyone out there help me? I made enquiries with my lender to rent out my property and they have refused citing that i owe 89% of it and they would only consider if giving me consent if they deemed it a necesity which they dont since i owe more than 75%. The property management company have said i need to get consent…
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Renting your advice and experience.
Hi myself and my wife currently live in our 2 bedroom bungalow, which we have been in for 6 years our first property. We are both 27 and have £60,000 left on our mortgage currently @ 1.5% value approx £110,000. We are both looking to get ahead and want to keep this bungalow and rent it out when we move maybe 2yrs or so. We…
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Please help with capital gains tax
Can any-one give me any advice please? We currently own (or the mortgage company do!) our own home, mortgage is less than 50% LTV. We have found another property we would like to buy. We are with Mortgage Express and we will be able to port the 1.5% mortgage to our new home but we have to sell our first home! I am thinking…
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DPS and non payment of last months rent by tenant
1st time here! I've googled all day (and searched here!) and really can't find the answer so hope someone can possibly help. Long story short... Tenants have always (1.5 years) been bad about paying rent so we gave them 2 months notice. This allowed until 15th July but they vacated yesterday (3rd July) They still owe £200…
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Deposit / exchange
If the buyer pays, say for example a 10% deposit which our solicitor holds bu thtne they pull out of the deal, do I keep the full deposit in reality?
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Wear & Tear Allowance on furnished rental property
Hi Can anyone advise me on how to calculate the wear and tear on a furnished property that I rent out. I am trying to fill out my tax return for the 1st time so any other advice on this would be helpful. Are there any good guides available as I'm struggling.
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Buying a property with £10,000
Hi . I am currently living with my parents and have come into ten thousand pounds. Would there be any chance I could get into the buy to let market with this amount? I would like to but somewhere preferably in the North West London area, where I live. Thanks.
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House sale pending
Hi All I wondered if there is anyone out there who can help.... We have a property that is rented out that we now need to sell. We are planning to sell to an investor so as not to unsettle the current tenants. Also we plan to port the mortgage to buy another property when we find one. We have three options when we have…
