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Divorce & Equity (Scotland) - Help?
Hey everyone, Not sure if this is the right place to ask but I thought I might as well try. What are the laws on equity and who deserves what? My girlfriend is currently battling with her husband over the equity in a house they both own. They both agreed to pay 50% of their wages into a joint account in which the household…
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Rent or buy
We had hopped to sell our current home now that we're retired and the mortgage has finished. But the mess the bankers have put us all (well most) in has meant holding back a little. We have no children and no young relatives who we wish to leave anything to. We have invested in a new motorhome for travelling in the UK & EU…
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EPC from Friday's Property Lawyers
Hi Anyone have any experience buying an EPC from these guys? They have quoted me £37 inc which sounds cheap. I don't really care if it's good quality or not - I just want to meet the legal requirements of including an EPC for the sale. Thanks
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Notice period
Hi - I called my estate agent today to give notice to end a periodic tenancy (UK). We want to move out in 6 weeks' time, so we are actually giving more notice than the month required. I was told by the agent today that as our agreement date is the 6th of the month, we are too late to give notice this month and so will by…
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HELP - Mortgage declined FTB with 1 default
Hi, My partner and I are first time buyers, my credit score is good however my partner has a default on his record for £795 which does not expire until November 2010. Apart from that both credit histories are fine. We have the following outstanding credit debts: Partner £4500 - HP £2000 Credit card Me £2000 Credit card We…
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Irresponsible Tenant
Hi.... Im wondering if anyone can offer advice on the following: My partner and I have a city centre apartment which we rent out. The previous tenant gave us notice that he wished to end his tenancy complying with the terms of the short hold tenancy agreement he had signed. We now have a new tenant in situe. However…
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Payibg rent up front
My ex is buying me out of our house and I plan to rent for a year whilst I decide where I want to live. As I will have money in the bank earning very little interest I am considering offering to paying 6 months rent up front in return for a discount on the rent. From the landlord's point of view it would guarantee them no…
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Estate Agents Commission Question... HELP!
Hi All, I am currently going through the process of getting valuations with estate agents to put my property on the market... I own 25% share of a property and the amount that the estate agent will be selling will be the 25% so what I want to know is will they be charging me their commission on the 25% or the whole amount?…
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rental / tax / advice
Hi there I am looking for some advice. I own a property that I rent out; the mortgage balance is around £156k and I have it on a buy to let mortgage as I was advised that was the most tax efficient way to work. (I live in another house thT i have a mortgage on and am a higher rate tax payer, if that makes a difference) I…
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Prospective tenant has a dog?
First time landlord letting out my house through an agent. They have found 1 tenant, who has a 10 year old Labrador. Should I accept or hold out for someone who has no pets? I don't have any problems with pets per se, and the house is unfurnished, but I'm slightly worried about the dog damaging doors, and the flooring,…
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FTB solicitors fees
Hi all. We think we've found the house we want to go for (have another viewing booked), but want to make sure we're ready to go before putting an offer in. We are cash buyers (I mean cash, no mortgage) so don't need to worry about getting that in place - however funds are together and ready and this can be proven to the…
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Tenant receiving awful service - help
Some questions I moved into a furnished flat 14 weeks ago and have received repeated awful service on four key issues. On each occasion there was a delay of two weeks without any response. The issues were: a) No hot water in the flat b) Broken kitchen hot tap c) Broken bed meaning I had nowhere to sleep Last week I…
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smydo61
i own my property with no mortgage and have retired at 61,anyone have advise on best way to raise money to buy another property as a resale project to boost my income.PS i am from Scotland.
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how much does a building survey cost?
I'm just ringing around for some quotes- Ive got one for £650+vat with a RICs registered firm. 30page report for a 3 bed detached house- greater london Does that sound reasonable? What have other mse people paid? (i mean building surveys as apposed to homebuyers reports) also what is the difference between a structural…
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HIPs question - do we still have to pay the remainder?
We had paid half of what the HIPs cost before the cull and the HIPS was half finished to my knowledge. Now we have given notice to the estate agent who have turned out to be pretty useless and they phoned me today to say that the half fee outstanding needs paying and they will have to keep marketing our property until it…
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where to go from here??
Hi, I brought a property with my boyfriend 2 years ago, but due to splitting up the house has been on the market for 12 months with no offers to date and neither of us live in it and we have no children. My ex wont agree to lower the price or move estate agents. And i have explained i cant afford to keep paying my half of…
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Have I scuppered the relationship with my EA
Having been put on the spot last week i agreed to see the local estate agents mortgage advisor. I soon began to wonder what i was thinking and the realisation of a 300 charge for their advice confirmed i'd made an error. Reluctant not to get on the wrong side of the EA i rung to cancel my appointment and explained that i…
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Consent to Let
Hi all, we are looking at rent out our property and in order to do this we need a consent to let from Northern Rock. Reading the info on this they say that we need a LTV of 70% or more. We dont have this, does this mean we will not be able to rent out our property? We are buying another property which will have this (due…
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Rental versus buying??
Got the chance to pay cash for a house as long as its the right price and within budget.... but I am being told by friends maybe I should rent?? £100,000 to buy or £450 a month to rent... am on pensions with no other income.... Any advice?:A
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Should we be worried?
We are FTBs and had an offer accepted on a house just over a week ago, but when we viewed it, the vendor told us he hadn’t yet found a place to buy (they are looking for somewhere bigger due to new baby). We’re not exactly in a hurry to move as we’re renting and can carry on doing so, but obviously we don’t want this to…
