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Renting question - cable tv
Hi! I am moving into a rented property and have arranged for Virgin to come in and fit cable tv, broadband and phone. My landlord has raised concerns with the agency about this and I've assured him that there will be little disruption etc. Where do I stand on this? I am thinking now that I should have asked for permission…
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No Help with Rent
Hello, nearly two years ago i had to sell my house and move in to rented housing,at the time i was working fulltime. At the time i had a lumpsum of 60K, which i used to pay the rent and clear debts and a good holiday. Now its nearly two years later, im no longer able to work due to what will be a longterm illness. I…
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Help! From no forward chain to possible long chain...
Hi there, Wondered if anyone had any advice... We're in the process of buying a house, we put the offer in because we were told from the beginning that there was no forward chain. The vendor was moving in with her daughter and at a later date she would be buying another house down in the west country. We accepted an offer…
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How to get a mortgage.
Hi all, Me and my partner have been privately renting our house for nearly 2 years now. We have been offered to buy the house in the region of £235,000. I had it looked at by my friend who has an estate agency and he has valued it at between £260,000 - £280,000. I recently went self-employed in January and my partner is a…
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Unreasonable cleaning cost at end of tenancy
Hello, We moved out of our 2 bedroom flat 1 month ago. We had it 'professionally' cleaned but admit that we had quite a cheap cleaner and it wasn't really up to scratch for some areas (mostly extra dusting and further vacuuming under appliances/sofas). Still it was in good condition just needed some additional cleaning. We…
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Implications for HA tenant who inherits property?
I'm asking this on behalf of my friend and neighbour: He inherited 50% of his late father's house a couple of years ago. His sister owns the other 50% (there is no mortgage). She was their late father's carer and continued living in the house after their Dad passed on (she pays all house expenses). My friend has been an HA…
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Estimated costs
Backgound Been looking for a house/flat to buy in London. I've managed to save £55,000 and have been told by a mortgage broker I can get a mortgage of around £193,000 Until recently I've only been looking at 2 bed flats as these were the only properties that fitted my budget. However, I've now seen a 3 bed house in the…
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Selling my House
Hi All This is my 1st post I have a house, that has been on the market for 2 years now, it is empty as I’m living with my partner in the house that she owns. I have had very little interest, in the few viewings that I have had, the house is presentable, and to a good standard and is the cheapest in the street. The other…
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Rent increase of 5%
Hi all, hoping for some advice. Just heard from our letting agency re: renewing our tenancy that they want to increase our rent by 5% (inflation + 1%). We are in London and rents have gone up in the past year but it's already super expensive and the upper end of our budget (£650pcm each excluding bills x3). Is a 5%…
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Getting a mortgage with a temporary job
I'm looking to buy my first home, but I'll be buying alone and am only in a temporary job. What are my chances of getting a mortgage? My job pays £31k a year and I've been working there for almost two years now. I've had loans and credit cards which have all been paid off in full, so I think my credit rating is reasonably…
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Do we move or do we stay?
Hi All My OH and I are thinking about moving house, due to some changes in the area. We're still not decided at what might be the best course of action and at the moment we are very torn between moving or staying put. Over the last month or so we have been investigating moving: 1) Spoken to our lender who will let us…
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Questions about estate agents
A first time seller here. I’ve met the estate agent, got the quote and should have my flat on the market soon. A few questions here: 1. If I negotiate the estate agent fee with them and manage to put it down, would it affect their incentive of selling it? 2. Is it worth to pay more to an estate agent to get my EPC? They…
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Rental Deposit in a Shared House
Hi, I was wondering if anyone could give me some advice. We live in a shared house, there has been quite a lot of change in housemates over the years, none of the original tenants actually remain, we have just swapped in and out individual housemates. We have been responsible for finding new Housemates, although we have…
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Council tax refund
Hi there. Not sure if this is the most appropriate thread but looking for some advice. We are currently in a rented property and pay our council tax over 10 months (we don't pay in feb and march.) We are buying a house now and are moving in at end of July. The house we are moving to is a lower band of council tax (about…
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Help with DPS - getting declaration witnessed by a solicitor
Can anyone help me? My tenant left a fortnight ago (owing 2 months rent plus further costs, some yet to be determined, for damage/cleaning/repairs/etc). I've requested a single claimant form from the DPS (which I've received) and although my tenant is (verbally) in agreement with me receiving the whole of the deposit, it's…
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Advice wanted on how to find private sellers
I've heard a lot of people talking about privately marketing their houses but as a buyer I really haven't come across many for sale. Am I missing something, are there any good sites which people use to market their homes? Does anyone have any tips for finding private sellers and has anyone had any success this way?
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Current account held for long time, good?
I'm thinking of moving my current account and have just read a post on here saying that when I want a mortgage, having been with the same bank for so long (13 years) will go in my favour. Is this true? Will it make a significant difference? I'm not committed to moving my account, just thought it would make my life a little…
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Is it good to pester estate agents?
I've recently been phoning up an estate agent about certain stuff and getting him to help process things (he's a bit passive in doing things and quite slow..) so wonder if this is good? I'm beginnng to wonder have i annoyed him or such? I just dont want to keep on phoning him up every 2-3 days..with him thinking "oh not…
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Gift letter yes or no
Hi, We are currently purchasing a new home, I currently live with my parents in a paid for house that is being part exchanged for a new one with TW. TW have offered my parents £140k, which they have accepted. The new home is £200k and I have asked to mortgage £70k instead of £60k in order to cover additional expenses on…
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How long will it take
Hi all, I'm just trying to work out when we might expect to move. We're FTB and the seller is moving to a chain free home. The stage we're at currently is, filling out the mortgage forums (all arranged) and filling out the solicitors forms. Today we're going to pay our lender to arrange the survey. I'm guessing, but i'm…
