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procrastinating;
I could do with a virtual 'get on with it' I think. I've just read Gingernutbizkit's excellent blog/thread and it's just confirmed to me really that I need to get moving. I am selling a business premises and residential combined. So it's taken two and a half years to sell. I accepted an offer on 11th March. Found a house…
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Getting rid of my shared ownership flat - how?!
I posted another thread about my general situation and debts but wasn't getting much of a response so Ive created this one aimed at my housing situation - hopefully will be of help to others in a similar situation with the responses as it seems lots of people in this situation due to the market. I purchased my 1 bedroom…
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exchange of contracts and deposit
:)Hopefully someone more knowledgeable than me can answer a question I have. FTB - if I need to exchange on Wednesday, say, and I transfer my 10% deposit on wednesday morning guaranteed to arrive at my solicitor's account by 5pm that day - can exchange take place if the money arrives at 4pm, 4:30pm, 5pm...? ie is there a…
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Buying each others houses question
I'm wondering the procedures on buying from and selling to the same people. Basically we have a house for sale at £400k. We have £200k left on mortgage. The people buying our house for £400k have a house for sale at £200k. We want to buy their house at exactly the same time as they buy ours. How would the transactions work…
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house on auction in good condition/area?
I've recently spotted a house up for auction on RM in a very good area and in very good condition with very up-to-date looking kitchen, and no signs of repossession. Other than the garden being a bit small, I can't think of any negatives and why it might be up for auction other than the possibility of 'hidden' problems…
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What happens now?
Hi there we had our offer accepted on a property yesterday but what happens now? I've picked a solicitors and are going into bank tomorrow to sort out the survey. Is it then all up to the solicitors?
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Buying a House with a Friend
Hi All, I am a FTB and have been looking for a property since the end of last year. After the house I was going to buy fell through I decided to up my budget a bit as there wasn't much on the market around where I live for my original budget. Anyway, a friend of mine is in the process of splitting with her partner and made…
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solicitor now unable to receive mortgage offer
hi all hoping for some advice as our buying of our 1st house has come to a standstill. I will try to keep it brief! we are now 14 weeks into the proicess and last week believed it was nearly over when we were called into the solicitor to complete. all signed and paid for including deposit the next day we got a call telling…
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greedy landlord
After having some trouble with her previous landlord not wanting to wait a few weeks for housing benefit to be sorted out, my daughter decided to look for alternative accommodation, my partners work college rents a house very cheaply £240 a month and said there was a 1 bedroom house coming up shortly. We went to see the…
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halifax mortgage
hello i am new to all this i need some advice 5 months i got approved for a mortgage by the halifax since then i have had nothing but grief whenever theyve wanted information they have recieved it the next day i have given them payslips for the last 4 months i have also given them p60s for the last 4 years and they have…
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Rental contract query regard burglary.
Hey guys, sorry for the broad topic title, couldn't really think of one that fits the situation. Basically on the 30th March 2011 my house was burgled. The thief climbed through the bathroom window which we have been instructed to leave open due to the mould/condensation in the bathroom. We reported this to the letting…
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Moving from Subsidised Private Let, to More Expensive Private Let.
Please excuse me, but I'm not well up on the terminology or acronyms on this subject. My son, his partner and their daughter are currently in a private rental property for which they receive a housing benefit contribution. They want to move to a different private rental property in the same borough that is ever so slightly…
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Confusing (to us!) title deed
The following is detailed in a property register (from the Land Registry) of a house we are interested in. Charges Register This register contains any charges and other matters that affect the land. 1 (13.08.2004) REGISTERED CHARGE dated 30 July 2004. 2 (24.10.2007) Proprietor: THE GOVERNOR AND COMPANY OF THE BANK OF......…
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Notice from a landlord
My friend is currently renting but at the same time buying a property. His landlord given him a notice (tenancy was periodic and landlord plans to live in the property himself) but purchase goes slower than my friend expected so he needs to rent for one more month (or two in worst case). The minimal rent term is 6 months,…
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Big delay from seller - negotiating a reduced price
Dear Experts, My husband and I put in an offer of £249,950 on a 2 bedroom flat on 19th April. It is tenanted, but was to be sold with vacant possession. Today (2nd June) the estate agent phoned me and said that the tenants have been advised that they need to be evicted in order to be rehoused by the local authority (I do…
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Variations to EA contract
Quick question from talking to another vendor in my area (completely different part of the housing market thankfully). Their property is on a guide price which is £250k to £265k. The EA has asked them if they would change it to £240k to £265k which they agreed to. They received a new contract through the post while still…
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Moving jobs - will it affect mortgage application?
Hi I know there is a minimum amount of time you need to be in a new job before you can get a mortgage - does anyone know how long it is please? I had 3 months in my head but maybe it varies from provider to provider? Thanks in advance
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Moving jobs - will it affect mortgage application?
Hi I know there is a minimum amount of time you need to be in a new job before you can get a mortgage - does anyone know how long it is please? I had 3 months in my head but maybe it varies from provider to provider? Thanks in advance
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Same surveyor disagrees with original survey
Hi, hope someone can advise on this. A property was purchased around 10 years ago after a full survey was carried out by a nationwide chain, all came back okay. The property is now for sale. A survey was carried out by the same surveyors November, and it came back non-standard construction (originally stated was standard…
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Landlord - Gas & elec checks - whats the legal requirement?
Hello, I have been researching my legal requirements as a new landlord but a little confused about the electricity checks required. I am getting the gas check and boiler service but have been told that as I have a new property (coming up to 5 years) electricity/wiring is covered as part of the NHBC and I don’t need a…
