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First time buyers please Help !!!
Hi, Any advice would be greatly received on this issue. Me and my girlfriend are trying to buy a house from Taylor wimpey. When we first went to buy the house they said they would give us all these incentives, which sounded great and we accepted. We have had the house valued now by 2 different banks and both times the…
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ladders in loft
This is a bit of a wierd one, but I wondered if any of you knows the answer. I've looked around a house to rent and to get to the bedroom it has a ladder. Its only for a short term let, but I was wondering if bedrooms to a loft are allowed fold up ladders to get up and down them or if they are a fire hazard and are not…
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Home buyers survey says house is damp
Hi all, I'm really hoping someone can help me here, feel like I'm hitting my head off a (damp) brick wall... I found a fantastic house I want to buy, 250 years old but has been really well looked after. I got a Homebuyers report done (rather than a basic valuation) which came back and said that there was damp on the ground…
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Can we leave anything behind?
Is it acceptable to leave a few glasses, mugs, a kettle etc behind when you complete? I've got a few bits I don't need that I thought our FTB's might appreciate but I don't know if its the done thing really and don't want them to think we're just leaving our rubbish behind. Thanks
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First Time Buyer - help!
Hi, I need your help... Basically I need to by a house/flat quite soon... I was thinking about shared ownership but some of you said it's not good scheme... So I've spoken to my parents and they can lend me £20k towards deposit... But my current situation is: income £28.5k lloyds credit card £1900 barclaycard £3500 car…
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signing contract on monday but have noticed gas leak - help!
Hi all, I am a first time buyer, in the process of buying a property which has been dragging on due to delays from the other side for about 6 months. I'm due to sign the contract on Monday and had a final viewing on the house yesterday to see what sort of state it was in. Unfortunately the place smelt of gas, (the house…
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Buying someone out of house
Me and my bf r splitting up and my brother is willing to buy him out of our mortgaged property. How exactly do we go about this? Property worth bout £220k, mortgage about £170,000. Logic says brother has to pay bf £25k, but we r tied into a five yr fixed mortgage where we have to pay nationwide £5k if we sell the hse. So y…
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question about agent charges
My daughter has just started renting out her house - she is using an estate agent and was quoted 9% for full managing of the property. She has received her first month's advice note and she has been charegd 9% + VAT!! Surely this can't be right? 9% is 9% isn't it? Can anyone help please?
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How to check freeholder's reputation while buying a leasehold?
I am going to buy an ex-LA flat with a housing association as a freeholder. How can I check are they sending unnecessary bills, difficult with approvals etc?
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BTL investor viewing
Hi We have a BTL investor coming to view our property tomorrow, any suggestions as to how we can make it appeal to them??? PS its a one bedroom flat, walking distance to Glasgow city centre
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New build - buildings insurance required?
We are in the process of buying a newly built property, which has NHBC cover. My question is, if we have this cover, do we need to buy our own buildings insurance? Any thoughts on this would be greatly appreciated. Thanks!
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Renting flat-urgent help needed!!
Hi, A friend has signed a tenancy agreement earlier this week. When she moved into the flat (which the idiot didn't see first) there was no fridge/freezer (it was promised), the hob isn't fitted well and moves in the worktop, when the oven is switched on the fuse goes, most of the electric points don't work, the heating…
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Homebuy direct?
Me and OH would love to buy a house (FTB) but have no deposit (yet). A new development by Morris homes in an area we would love to live is offering homebuy direct but I don't know enough about it to know if it's a good idea or not and would we need any deposit at all? And what sort of money would we need for all the…
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House buying companies
Hey all, Hoping for a bit of help here. My dad (70+ years) is moving into council accommodation; he has a property which he has finished paying the mortgage on which he will move out of and into the other accommodation. His problem is, due to service charges on the other property, he cannot afford both properties and so…
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Change of use commercial stables to residential
Hi, I have seen some stables for sale that need work before they can become usable again. There was planning permission submitted back in 2007 to update it increase the roof space and add some external stairs. Its a single story stable. I was just wondering if its possible to apply to remove the commercial use and use it…
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Unfinished extension - can we mortgage?
We have had an offer accepted on a house. The vendors have started putting an extension on the back. At the moment there are rsj beams in view and an internal door as a back door. The house has a good bathroom and a kitchen of sorts. It would be possible to live in the house as long we replaced the back door. Would the…
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Returning depsoit and interest accrued
When a landlord keeps a deposit and then returns it when the tennant leaves who gets to keep the interest that has accured whilst the property has been rented. For example i paid a £800 deposit 7 years ago and now have to leave although the interest wont be that much who gets to keep the amoun that would have accrued ?
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Vendors EA given her our email address!
We made an offer on a house and had to "confirm in writing" so we sent an email to the EA. The EA then forwarded this email straight to the vendor without taking out our email address. Last night the vendor emailed us direct asking us to increase our offer by £5k!! :eek: Is there any kind of legal thing that says the EA…
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2 months rent in advance question
Hi, I wonder if someone can answer a quick question for me. Im moving on the 1st nov. I have paid the the landlord 2 months rent in advance, and no deposit. Would that mean that my first months rent would be due on the 1st Dec. They wont expect me to pay another month on the day I move in would they? Sorry, if its a silly…
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First time buyer mortgage for off-plan property?
Hi All, Does anybody know of a 90% LTV mortgage that will allow you to buy off-plan? My wife and I have finally found a house (or rather, plan of a house...) that we like. We're first time buyers and have a 10% deposit. Thanks everyone, Timbo.
