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Scared to go from deposit saving to mortgage paying..
Sorry if this is in the wrong place but need help. I have been saving since i was 16 from my very first part time job I am now 27. Was always saving for a rainy day and eventually my total grew. In the last 3 years i have been saving really hard, social life disappeared as a result and never spent much apart from basic…
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Nasty Bathroom
OK, I was stuck on the thread title, just looking for a little advice! We have recently rented a property and are planning on staying for the next 4 years. It is a nice property and our landlord has been very good so far but we have also been excellent tenants. The last people in before us were disgusting and had treated…
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Total expenses a year for a one bed flat?
I am looking to move out of the parental home :D I was just wondering, can anybody provide me with some substantial numbers? I was curious to how much the following would cost per year for a one bed flat with one person living there...(using an average consumption of water, gas and electricity) Gas? Electricity? Water? TV…
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Chancel liability on new property?
We are in the process of agreeing the purchase of a property built in 2003. Whilst not a major cost the Solicitor has quoted for a Chancel liability search. My query is does a liability exist on land within a Parish or is it specific to a property, if the latter would a "new" property have any liability and if so exactly…
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Should one wait for a higher rival bid to be accepted on sale before offering higher?
Hi there, First post here. We are in the process of buying a house and had our second offer on the place accepted (although we have never received written confirmation of this accepted figure). One day before the mortgage valuation survey a rival "cash buyer" put in a higher offer. The estate agents came back to us and…
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Help with Mortage Valuation please
We are in the process of selling our home and buying another which is a new build property. We already have a mortgage with Santander which we were to transfer over to the new property. All has been going smoothly, until a couple of days ago. I received a letter from Santander, expecting it to be our new mortgage offer I…
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Building insurance for a leasehold flat in a building above a coffee shop
Hi there ! I own a leasehold flat on a long lease in a two storey building comprising 2 flats (both owned by private owners) and a coffee shop on the ground floor ( owned by the freeholder and leased to a ltd company). The freehold has recently been acquired by a new landlord who insured the building as " a cafe with 2…
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New Build - do you need a survey?
I'm buying a new build with 10yr NHBC guarantee so do I need a survey - its a cash purchase so no mortgage and thus no survey required for that but do i need one myself. And should it be full structural survey or just a homebuyers? cheers fj
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Lack of FENSA certificate
We are in the process of selling our house, when our buyers solicitor has asked us to forward a copy of the FENSA certificate in respect of the new windows we had installed in 2008. We had 2 bedroom windows done and 1 upstairs landing done. The problem we have is my father-in-law did the work and we didnt know anything…
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Another cash buyer question
I was reading on another post about having to provide a certified bank statement to show to the estate agent. When we get our money from the sale, hopefully next week, we don't intend to have it sitting in our current account or, indeed, in any one account due to the savers compensation limit of £50k per bank. So, how…
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Advice on paying deposit and fees to Solicitor
Hello! I was wondering if I could ask for some advice for how best to pay the Solicitor the deposit and fees, please? It will be a total of *gulp* 22k that we will need to pay them, I think BACS only allows 10k. Thank you :-)
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Rent overpayment
Hi everyone, We moved out of our rented property on 29 July and our deposit was returned to us shortly afterwards. However, we are owed a further £41.21 in overpayed rent. Towards the beginning of our tenancy (AST starting in Aug 2007) we paid the extra to change the rent payment date meaning that we have paid for a longer…
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does she have to pay this
Hi this is on behalf of my friend she was private renting a property 2 years ago and a pipe burst on the outside tap. A bill has now turned up from the pipe bursting for over £1000.00 she has always been up to date and in front with water bill up to moving out paid fully up and now rents from council and was all up to date…
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cash buyer looking for advice
hi all... we bought our first house 8 years ago, everything went through the mortgage company and their solicitors so we had practically no involvement other than to make an offer. we're now in a position to buy for cash, all be it a very small amount, and have put in an offer for a property. Thing is we don't know what…
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Letting agency fees
Hi Each year my lettings agency charges me about £500 to keep my tenants renewing their tenancy. Its a clause in the contract as they found the tenants and credit checked them initially. After about 4 years of this i'm getting fed up of paying them to do absolutely nothing - I manage the property so its really money down…
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Insuring empty house for sale?
Wondering if anyone knows where to go for insuring a house that is up for sale and is unoccupied and unfurnished. All home insurance quotes I've had have a clause excluding claims made if the property is empty for 30 or 60 days.
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How long does HMRC take to pay back inheritance tax if due for relief?
My partner's mother home was sold (completion) at the end of June 2010 and the solicitor can not settle the estate finally as they have made an appeal (a very strong one) for the return of the IHT as the house sold for well under the estimation from late 2008. It is clear the money would be due back under the regulations…
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Gas Safety Checks - Tenant's Responsibility?
We are in a dispute with our landlord over a lost security deposit (pre-2007 agreement) and service charges. During my research into tenancy agreements and lettings I discovered that we should have had a gas safety check for every year of our tenancy which totalled 4. We have stupidly lost the contract and would appreciate…
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is a mortgage really possible for us!?!?
Hi, Myself and my partner are looking to get a mortgage next year. We are currently renting. He works at a garage, and buys and sells cars himself. He earns good money from this, he pays £550 rent a month, and most of the bills and does not struggle. He has never taken out any lending, he has no debt and nor do i. He is…
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BT line
We are moving into a flat. We currently rent a BT line from our address. Is this portable and do we need to take out a separate contract? Many thanks.
