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Saving for a mortgage
Good Afternoon everyone, My partner and I have been saving to purchase a flat. I'm 22 and she is 21 and we have approximately £8,000 - £9,000 saved between us. We are both working full time. Presumably once we have 10% of the sum we want to borrow (about £100k) we will get a mortgage? If not what other hoops will we need…
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3 week leaking radiator
not sure if this is in the right area but my bf lives in a houseshare and they have a had a leaking radiator for 3 almost 4 weeks now they landlord has been informed several times and says he will get the plumber in but hasnt. this radiator also has not worked for over 3 years with the landlord promising to fix it then…
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Planning Laws - Is this the slippery slope down
http://www.dailymail.co.uk/news/article-2018612/Simplification-planning-rules-new-population-centres.html Slippery slope down or a good thing to provide for ever increasing community sizes. Any thoughts.
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Tenant and landlord repossession notice
Hi All, Its been a while since i've been online and posted on here so hello to anyone who knows me and who has helped me in the past. I need advice please on my current situation and the best thing to do. I am currently private renting, current property since october 2010. I pay my rent on time every month and have not…
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Renting Questions
Hi there, Just a few questions regarding the end of my current lease and moving into a different property. Currently I'm renting privately from a LL, the living situation is terrible in that there is NO insulation between flats vertically. I can hear everything including whole conversations. I understand there is no…
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Horrible neighbours. Just need to vent!
I'm pretty sure there is nothing you can do about awful people that stand around in their front garden/on the pavement making noise, playing music and generally being low-life scum, but on the tiny possibility that I'm wrong, I'm writing this post. The vile family who live opposite me conduct their life from the front…
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Conveyancing solicitors specialising in repossessions
Hi, Has anyone got any recommendations please? I've found Stephensons via google, anyone got any experience? Thanks
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Builder claiming retention money back
Hi, I purchased a new build in 2002 and without my knowledge the solicitor retained £500 until the road was adopted. I say without my knowledge - it probably was explained. I moved out of that property in 2007/8 to my current property, and in 2009 a cheque was sent to my parents address from my original solicitor for the…
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First time landlord- Advice needed please
We are showing a prospective tenant around our property this evening and have a couple of questions* Is it beneficial to get them to complete a tenancy application form * Reference/Credit checks- where is the best place to source these and who pays for them Thanks
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Trying to rent for the first time with a BAD credit history
Hi I don't know if anyone can help, but here goes. My house has just been sold and completes in about 6 weeks time, due to arrears on the mortgage cos my ex never helped with payments I have a really bad credit rating. I am on a low income because i work part time so I can look after my kids. I am trying to do private…
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landlord changing lease halfway through!
Hi I was hoping I could get some advice so thanks in advance for any help you can provide! I moved into my flat on 19 March and asked for a 6 month break clause in the 1 year lease as it is a flat in an area of London I've never lived in and I wasn't 100% certain I could get used to the planes going overhead (it is near…
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Landlords Insurance
I wonder if anyone could advise on whether its a good idea?
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Getting everything in sync
I'm a FTB and have just had my offer accepted on a flat. The estate agent has said she hopes the sale will go through and contracts exchanged in 6 weeks. This property buying is all new to me so I don't know how optimistic that 6 week figure is. I'm currently renting a council property and I have to give four weeks notice…
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removal firm wakefield west yorkshire
Hi I'm hoping to receive some recommendations for removal companies in the wakefield, west yorkshire region from you. We're moving just 2 miles from a townhouse into another townhouse in November and want a packing service and storage for about three months before moving our things into the new house around feb next year.…
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Entension - Possible Problems
Good Morning I am looking to build an extension to my property. However, the neighbouring wall that I will build upto has a flue coming put of it. The neighbouring property is a downstairs flat and due to the lay out I am unsure as to how they could re-route the flue to another external wall. Where do we stand with this,…
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Becoming a Below Market Value Vulture
I'm thinking of becoming a "BMV Vulture" (as I've seen them referred to) to help out a person that owes me a lot of money (and obviously help myself out at the same time. Are there any "BMV vultures" present who can give me some pointers on the pros and cons of doing this?
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House sale questions please.
My carer is selling her property and buying another in small chain, she said that she has to pay stamp duty.? her house is selling for £138 and she is buying a property at £157, I thought that you didnt pay stamp duty unless the property is over 250? ....am I missing something?...... she also said her solicitors fees will…
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not suitable for mortgage or 100% retention
How likely are either of these 2 things? We are looking at buying a house at auction this week and will need a mortgage. We are getting a full survey done today, however talking over the phone with the surveyor yesterday, he said there is a chance the mortgage co (not a mortage survey we are getting done yet) could put a…
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Newly qualified paramedic looking to buy first property
Hi MSE and forum users, I am a newly qualified Paramedic who has just moved to ascot from Wales. I really would like to purchase a small property but I have little savings (£2000) and some debt car finance £13000 Credit Card £1500 and student loan £5000. I earn £22000 Pa and I am looking for advice on the best way to get…
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Agency charging bills to deposit?
I've recently left rented student accommodation, and the agency that we were renting from refused to give us back our deposit based on a number of charges they wanted to make. The ones causing me concern are £188 for contract cleaning, and £262.40 for the water bill. They sent a number of pictures of various bits of dust…
