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Help with finding a property / housing lists etc
Hello all I am looking for some advice for my dad. Bit of a long, sorry tale but wonder if anyone might be able to advise me? My dad is 64 and on Pension Credit Guaranteed Credit. He currently owns his own home in Lancashire which he owns outright but isn't very valuable. He has no savings left and is living on his PCGC…
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Can you let your flat without an agent?
Hi there everyone, This may be a very silly question, but I have no idea about it so please bear with me. :) Im about to rent a friends flat and Im about to claim benefits (housing, council tax, JSA) Its only a short term thing as he has a place and im stuck. We know the dangers of renting from friends, but were fine with…
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Considering renting - how much would I be looking at paying?
Hi everyone, Me and my friend are looking at renting either a flat or a terraced house, probably around the Wigan area; ideally we would like a furnished flat with bills included in the price, just wondering where to start looking and how much we would be paying approx? Thanks! Rachel xxx
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Flat purchase
I've had an environmental search on a purpose built flat, that has come up as a site the local council will be inspecting for contaminated land (previous petrol station), albeit not a high priority. It is not currently designated contaminated land. Will the mortgage company reject the application on this basis, should I…
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estate agent advertised wrong
ok so we are near exchange date but my solicitor highlighted that estate agent advertised that property with communal parking but as we found out from our searches there is no parking. just along the street but definetly not a proper parking space. solicitor said we can sue estate agent. is it any worth or is it just to…
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ref checks by letsure
So we have been given a form to fill out for ref's etc by the LA and they use letsure. I've had a look on their site at examples for reports and I'm just worried about the 'accept', 'not accept' bits. Going by the information below who we be accepted by Letsure? I'm pretty sure the LL would be. Affordability Our rent is…
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Splitting the cost of paperwork?
Hi there, First time poster, occasional lurker. I'm supposed to be moving into a new flat in a few days, but I just got a text from the girl currently living there saying that the paperwork for swapping the names on the tenancy agreement will be around £300. This seems expensive, but not horribly unreasonable. She offered…
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AST which agreement is best?
Hi all, We have a new tenant lined up for our rental flat. The flat is advertised with an agency, but we've found a tenant ourselves, which will mean a great saving for us. I've got her to fill in a new tenant form, and will be getting her credit checked later today. She has agreed to a 12 month contract, and I'm lookign…
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Still receiving post for previous owner (deceased)
As the post states My partner and I bought our house 12 months ago, the previous owner had died in May 2009 (18 months ago) Yet again I am being inundated with post addresed to her, I made some labels and throughout last christmas and earlier this year sent EVERYTHING back to the solicitors. The post stopped coming for her…
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help and advise
I built a house on a self Build Mortgage. Full architectural, structural drawing where drawn up and council approved. We dispensed with the Architect when we had approval to build to save money, informed the council and they then took over. I used friends and family to build the house who are all in the trade. Each stage…
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First time buyer - To mortgage, or not to mortgage.
Hi all, I'm new to these forums although I've found myself here in the past when web searches have pointed to useful threads on various subjects. I've been speaking to friends and family and wanted to get some tips or advice from those more knowledgable than I am on matters of mortgages and home buying. I'm lucky to be in…
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Some advice in a moment of crisis would be great
Hi My parents have had a bad month; my mum has just lost her job, and Dad had a stroke which has left him unable to work. Mum is 63, Dad 64. Their mortgage is due to be paid off in April, but due to underperformance (I think) there will be a shortfall of tens of thousands that Dad was hoping to make up with work and a few…
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Buying a house built with concrete blocks?
Hi, i'm a first time buyer who's seen a property that i'd like to put in an offer. It's an ex-local authority 3 bedroom terrace house, in need of some modernisation. It's within my budget, have deposit etc etc. The problem is that I have been told that it's built with concrete blocks (and then rendered on the outside). The…
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Can we do this?
Ok, so we've found a house that is exactly what we want/need in the perfect area, it's a bargain We have a 'low' offer for our house but will happily accept of it gets us our dream place We currently have a NRAM mortgage with a fixed rate until 10/2011 We have a deposit for a new mortgage for the new house, it would be a…
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CHAPS payment missed by bank
Very briefly, arranged for a CHAPS payment to be made to cover the deposit and solicitors fees on a property purchase. Unfortunately the bank did not authorise the payment. Reason given, human error. Not sure where that leaves us in terms of the purchase. Any ideas where we stand in terms of compensation.
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Estate agents and capital letters - just irks me
Why is it that estate agents in their property listings appear to have completely lost the grasp of capital letters? We get them appearing Completely Randomly, or the other one of Capitalising Every Single Word. Then we have one of the local ones who have exclamationmarkitis - a Cellar!!! warranted at least five in one…
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Shelter England website
Shelter seem to have changed their website and now require registration. Seems daft for a Charity offering (excellent) free advice. Or have I just hit a glitch?
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Change of estate agent
There's a house I'm interested in, which I put in a series of offers on a few weeks ago (all refused). I told the EA that I wouldn't raise my offer, and for them to contact me if there were any developments. They called two weeks later, to say that the seller had potentially found somewhere and might want to re-open…
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Advice needed about tennants rights
I hope this is in the right section- I apologise if it isn't :o We rent a property with a courtyard. At the moment there is scaffolding up to fix the roof but this has affected the sky signal & we can get no tv signal. We are subscribed to sky on the hd package & pay £33 per month- The scaffolding is looking to be up for…
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husband has poor credit and we need to port mortgage - what do we do?
House is in my name and I'm on maternity leave having been a supply teacher so my payslips now won't be enough to keep BoS happy. My husband earns enough to cover existing £80k mortgage and he has a job transfer up north but because of a student overdraft he didn't pay off immediately the HSBC blacklisted him I presume, as…
