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Deposit in 31 day access account - should I move it now?
Hi, I am currently looking at buying a house, and wondered if my savings need to be more accessible. I had imagined that there would be time between an offer being accepted and contracts being exchanged for me to withdraw my deposit money from my 31 day access ISA. However the house we are looking at is chain free, so…
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Renting out my ex council house
Hi all I wonder if anyone can give me some advice. A year ago, we bought our council home at a discounted price and as we will have to pay back 4/5ths of the discount back if we sell now we were considering renting it out. Are there any rules and regulations in doing this? I have emailed our local council but they take so…
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Landlord Insurance
I am very confused about this. My current insurer will not extend my buildings and contents insurance to cover my new lodger because she is a student (no problems with the last one because she was working). I've had a look on LandlordZONE who have reams of companies offering Landlord insurance, but it all seems to be aimed…
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Ending tenancy agreement - misrepresentation
Hi I have recently moved into a rented property ( 25th Aug ). When being shown around the property I was shown a garage in a block of garages that was to be included in the agreement. I was also shown a garden that I would have access to. There was also pictures of both these on the advert. On the day of move in following…
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Which deposit protection schem?
I am looking for some advice. I have been renting a property out for the last 12 months using a letting agency. I am now intending to take on managing the property myself (tenant is staying, has been no problem). I have asked the agent several times who holds the deposit, have today received a four word email "its the…
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Buying land in Scotland
Morning All, We're a few months away from even considering buying land but, from all received wisdom on the subject, it would appear the next 12 months will present the best opportunity to get a decent sized plot in East Central Scotland. I'm hoping someone with a wee bit of experience is able to direct me as to where to…
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What to do with drug dealing/smoking neighbours next door (council property)
It's driving us bonkers, Our attached neighbours are forver smoking weed, it drifts out of their windows and in to ours. It's been a nightmare this summer with the warmer weather as we obviously want to air the house out but get this foul smell drifting through. Also the lads there are drug dealing too :mad: It's a council…
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Property buying companies
Hi Does anyone know anything about the fast selling companies, who buy property if a quick sale is needed. Are they OK, what's the deal?
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Gas safety cert
hello all student housing question. My ds has moved into a shared house, usual problems, shelves coming of walls, legs falling off beds etc, nothing unexpected really! BUT--the gas safety cert does not cover the grill and oven (seperate unit) in the kitchen. The rest of the stuff is mentioned, boiler and hob, but the…
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Quick House Sale Companies
Hi Apologies in advance if I've posted in the wrong place...! My wife and I have had our property on the market for about a year. We're making little progress and struggling to get people in. We're really wanting to move now, so we're thinking about using one of those "buy your property" quickly companies. As a result, I'm…
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Reducing the price after SSTC?
I have noticed a few houses on Rightmove that have gone SSTC but have reduced the price a few weeks later. Why do they do this? Are they still marketing it after accepting an offer or is there something more sinister; like it is not really SSTC but they want to look like they are selling a few houses. If you have…
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What does everyone think of this maintenance service
Yesterday we contacted the out of hours maintenance service to report that a radiator was leaking across the floor. This was attended to around 4pm and from my understanding the water was left to continue leaking until a plumber could come around today. By around 9pm last night the leak began pouring through the ceiling…
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Interest allowable against tax with Offset mortgage
I have an offset mortgage on the property I currently live in. I have savings and cash ISA offsetting against the mortgage so currently pay interest on quite a small amount and have a pretty good rate (0.62% above BoE base rate. I am likely to relocate soon so am looking at renting my house out (I will be renting elsewhere…
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first time buyer for flat,need suggestions
Dear all: I am new to this site but found lots of great suggestions. I am living in cambridge now and planning to buy a flat ( can not afford a good sized house). Now I found 2 flats which are next to each other in different buildings. Flat 1 is on top floor with 2 bathrooms, slightly bigger than flat 2. It is built 3…
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FTB advice needed:-( revising an offer
Hi, can anyone help We had an offer accepted on a flat 9 weeks ago. So far all checks and surveys done and we are awaiting the solicitors report. There is no chain on either end but the property belonged to a lady who passed away so probate has held us up a lot. We made sure that we got an electrical test as well as the…
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Planning ahead - FTB Long distance from home
Hi everyone, After spending a couple of weeks reading the forums and site learning all I can about mortgages and home buying I felt the need to make myself known and plea for further assistance. My GF and I will be looking to buy our 1st home together late next year as it will take around a year to save for a deposit on a…
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'consent to let' questions
we have been trying to sell since Feb. Have had hse for 5 yrs, only this mth came off our high fixed rate and hse has not increased in value at all. We have never missed a payment and have some savings in the bank (not mortgage lenders bank). We are emigrating to OZ asap. Have a job lined up and cannot sell hse. We have no…
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moving from one house to another
guys, hope someone can advise me i bought my first house in march 2007, i have a mortgage for 132500, and i have a second charge on it for 12500, totalling 145000 secured lending. the house is worth in the region of 150000, this is where i get stuck, if i want to move in to a house that is worth more, do i have to have a…
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Rent reduction du to lengthy unexpected bathroom work?
I moved into a new place recently and the tiles in the bathroom were coming away from the Walls. As part of the contract the landlord agreed to fix them. 3 months later work starts and the Walls are stripped back to plaster and tile grout. The decorator says the Walls are wet and need examining by a damp specialist. This…
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We've been Gazundered!
This is happening a lot more and more and should be made illegal! Someone makes an offer on your house which you accept. When the chain is complete and you want to exchange contracts your buyer suddenly demands a reduction in the price or he pulls out! He will not negotiate with you! If you are keen on having the house of…
