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Mould damage - is the landlord responsible?
I have lived in a rented house for a year. It has a converted basement, which is painted and carpeted, with a radiator and an adjacent store cupboard where we were keeping two duvets in duvet storage bags. We've had them down there for most of the time we've been here, changing them from summer to winter etc. and they've…
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House removal costs
We move into our new house tomorrow. I've used a removal company which is a friend of my dad's to move all our stuff out of our old house, out it into storage, collect a few things from my mums (as we moved into hers for 2 months whilst waiting for our new place) and then move the things back to my mums and the rest to our…
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How much should I offer.
Hi, Me and Mrs Capstain, in full time job, with no threats to jobs. Combined salary of £75k. Savings of £69k. We aim to save more every month from next few months. We have seen a 3 bed link detached with asking price of 250000, in West Brom.Suits both our jobs and ticks boxes for ideal house. Want to stay there long term.…
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Need to exercise my six month break clause, can anyone help?
I have a 12 month tenancy with a six month break clause and I have to give two months notice. When I signed the agreement the agent explained that if I wanted to leave at six months i'd need to give notice at four months which i've done. She no longer works there and the agent has now said I'm unable to give my two months…
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Convenveyancing Questions
1. What is the advantage of using a local solicitor? Please be specific - not 'he knows the local area'.. Im thinking of a online version. 2. What searches are actually required? I have had a lot of quotes and they seem to vary a lot mostly due to some omitting some of the searches. Clearly time is the factor which makes…
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Is selling a shared facility legal?
Hi everyone This is a property question. I own a leasehold maisonette, the lease DID include the maisonette, an allocated parking space, and shared (with one other property) “drying area” - basically a 5m x 3m paved area with a washing line and shed on it, at the rear of the property I have been renting the property out…
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When/how does mortgage payment start?
My solicitor is starting the process today to draw the funds from my mortgage lender, but thats made me realise that I have no idea about how I'm going to physically start on my monthly mortgage payments as nothing has been mentioned about direct debits etc. Will money start magically disappearing from my account on a…
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Noob (to the forum and moving out) questions!
Hi all, Need some advice. My fiancee and I currently live with our respective parents. Due to family issues we're going to be moving in together (to rent) early next year, a bit earlier than we anticipated. I've worked out what budget I can put into our home, My fiancee is a student and will only be able to put a very…
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Question about completion date?
Just about to discuss a completion date & as we booked a weeks holiday to fuertaventura a while back it's thrown a spanner in the works so to speak!:D Anyways we're discussing a date and my gf wants friday 17th december so I said how about Monday 13th december to which she replies you can only complete on a Friday?! Is…
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On the day of exchange - how long should it take?
Hi all, The chain has been ready to exchange since 11.50am this morning - there are four solicitors involved....how long should this be taking????
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Extension question
Another question after reading a few posts here. Property we’re looking at has a small kitchen extension, I believe the property was built aprox 1930 and this extension was about 10 years later. On the valuation it’s noted that checks will need to be made on that this was done with permission etc. As it was done 70 years…
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mortgage conditions post survey - any help appreciated
A few weeks ago we placed a bid on a house being sold by informal tender, our bid was accepted as the best to proceed - it was pointed out that we weren't necissarily the highest. we've since had a valuation done by our lender who identified they would like aditional surveys/reports and valued currently at 5k lower than…
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Want to buy a house but keep existing property and rent it out, need advice please.
Hi I am not very good at all of this mortgage stuff so would appreciate some sound advice in laymans terms :) Basically I own a 2 bed house and have done for 7 years now. My husband and I want to move in approx 2 years time to a bigger house and get a mortgage together. I would like to keep my 2 bed house and rent it out.…
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Bank reference for letting - WORRIED
Hey everyone, first post but long time follower of the forum! Anyway, me and my girlfriend have found the perfect house to rent, honestly nothing has come up for about a year so we seriously want it to go through. We are currently in the referencing process, we both have good credit, as we did checks with experian, and…
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Buyers conveyancer doesn't appear to know what they are doing?! Help!
Hi! My husband and I are selling our house .. we've finally got a buyer.. (yay!) but I am getting very frustrated with our buyers conveyancer! Our house is a shared equity house where you can only ever own 80%, other than that it's a standard semi detached 2 bed house where we are responsible for everything like a normal…
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Moving House with bad Credit History
My husband and I are hoping to move house soon, but my credit history is a worry. We have recently applied for a loan (in my husbands name) to pay off our credit cards, but 2 companies have refused us. I always make monthly payments to my 2 credit cards, but in the past year the payments have been late, and not as much as…
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Where to live - suggestions and comments
This is probably not the place to post so please delete if it's not appropriate. My question is: If you could live anywhere in England where would it be and why? Background: my OH is applying for a training post which is available across the country so he needs to list in order of preference where he'd like to go. We need…
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hips payment
morning all just wondring if anyone has dealt with closer payment services.i had an hips package in apr il which turned out to be worthless and cost 440 pound which is due ist dec since having the hips i have lost my job and had an heart attack ,which left me 30,000 in debt so there is no way i a pay them just wondering if…
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Homebuyer survey errors/omissions
Hi all, Had a Homebuyer survey sent back and despite the fact that I was in the house while he did the survey, there are several omissions: 1 - downstairs bathroom extension taking in water indicating flat roof is failing (not even mentioned existence of downstairs bathroom) 2 - We tried central heating but did not work -…
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Renting questions again! :)
Morning all, Just hoping for a few questions answered please! Ok, my partner & I has finally found a rented home, we have put money down to now hold the property. We went with a LA. Yesterday, He gave me a mock tenancy agreement for me to look over, However, There are a few parts I’m hoping they will change as the LL has…
