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Estate agent/house buying etiquette?
We viewed a house today that is apparently a builders part-exchange, It's currently on with 3 different estate agents. We viewed today with agent A. It's a lovely house and if we can sell ours we definitely want to offer on it. Unfortunately I think we gushed a bit too much to the estate agent and told her our max budget…
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Making a will
Hi, (I wasn't too sure which board to put this on, apologies if it's in the wrong place.) DH and I really need to get round to making a will. We both live, work and own our property in Scotland. I realise the law is different in Scotland however if we made our will at a solicitors in England under English law would it be…
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Declaration of Trust If Married?
Hi, wondered if anyone could shed some light on my situation. I currently live in my flat (which I brought as a young free and single 22 year old) with my husband. After 2 years on unsucesfully trying to sell we are in the process of buying a new place just on his salary (with his deposit). We want to keep the mortgage etc…
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Would the location of this house put you off?
Hi Everyone, Been looking on rightmove for a few months and nothing has really stood out up to now, but saw a house last night that both me and my boyfriend like the look of. We like the house itself, its the location that will possibly put us off, we are getting the impression that it will probably be noisy? Going off the…
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Advice on areas to live? Leatherhead, Epsom, Chessington, Lightwater, Bagshott?
Hi all, I am due to start a new job soon in Kingston-upon-Thames and my OH already works in Addlestone. We currently live in Crawley, West Sussex (30 miles from my new job). In the short term I will be getting the train or driving but our house is in the process of being sold and we will move into rented somewhere closer…
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To share or not to share?
Ok please help! We have recently moved into private rented accommodation and things have taken a turn for the worst....We have a 'shared driveway' and the neighbours are constantly blocking our car in. Had enough yesterday and asked (nicely i might add) them to please stop. Their reply was as we dont own our house but they…
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Urgent help needed
Myself and my partner are currently looking to purchase a new house as part of a Bovis Homes development. We need to move as there is not enough space where we live and it is becoming very impractical for our lifestyles My partner currently owns an apartment. His mortgage has a remaining £155,000 to pay (purchase price…
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Rent to Buy
Is anyone on this scheme?? If so how did it work for you. I am eligible for it but worried its not as good as it sounds. You rent at a dropped rental price for upto 5 years giving you time to save for the deposit to buy the property. Then after the 5 years you should have a nice deposit saved to buy the house. Is it that…
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Found a flat I want to buy, but need to become a landlord first
Hi all, I'm a first time buyer and have found a great value flat that I like and would like to buy, however there is an issue. The flat comes with a tenant, whose tenancy runs to May next year - 10 months away. The flat comes with the tenant. I really like the flat, but I'm uncomfortable having to wait 10 months to occupy…
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Landlord has installed CCTV INSIDE our house and will not return my deposit
Hi all, I was hoping that you may be able to give me some advice. It's a bit of a long winded story.. but in February I was looking for a new room to rent in London. I saw a room advertised for £950 per month all bills included in a good location - this was a houseshare (five other people) and the landlord also lives in…
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House sold- leaving tv cables in wall?
Hi all, I've sold my house and have an issue (or maybe not!). We had our tv on the wall in the living room, bought house from new so actually had the cables chased into wall and plastered. Now I've taken tv off wall and have about 8 cables tied into this. What do I need to do? Legally I think I'm supposed to remove and…
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Whats more important location or house?
If you had the choice between a perfect location with a less than perfect house but livable or an almost perfect house in a less desirable location /postcode and the prices were pretty similar which would you go for? Opinions please :)
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Sell at a Loss or Rent out
My Son & his family currently stay in a flat and HAVE to move. They would have to sell their flat at a loss so are considering renting and taking on another mortage to buy a house. There is good demand (according to the agent) in the area for rentals and it would be done through an agent (with permission from the lender :D…
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Think an estate agent is stopping us viewing a property
Our completion has been delayed, which has left us shattered, as we've been waiting nigh on 6 months. So we decided to start looking at other properties, and there is one particular that we really did like right from the start. However, it's with the same estate agent that we have the current deal with. And it's been a…
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Can letting agents enforce insurance purchase?
Hey all, I'm moving in with boyfriend in a couple of weeks, we're renting and have just been going through the contracts, in the contract it says they strongly advise that we buy insurance but then later in the contract we have to agree to everything on a separate document where it says we have to buy contents insurance…
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Conveyancing - not getting ripped off
Do these conveyancing costs look reasonable? I'm purchasing a property for 345k and the estate agent wants me to use their solicitor, I'm ok with this as long as they're not ripping me off. Is anything in this list wildly overpriced or indeed unnecessary at all? Stamp duty £10,350 land reg fees £280 Fees for pre-contract…
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Lender's valuation has stated i'm paying too much...
I have just paid over £500 upfront fee to a mortgage lender, non-refundable valuation and product fee. They have told me that I am paying £13k too much for the property. Another guy who wanted to buy to let the property put in an offer only £3k less than myself, - which was the main reason why I believed the property was…
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Scotland - Deposit protection and complaints
I am about to move out of a rented property in Scotland. Since pretty much nothing else has gone smoothly I anticipate big trouble with getting my deposit back... 1) it seems there is no deposit protection scheme here in Scotland. Who can I potentially complain to if there is any trouble? The agent told me they have…
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Stuck in a negative equity/shared ownership spin
Me and my wife bought 35% of our property in June 2006 through shared ownership. The property was a new build, and we got a 100% mortgage - as it turned out, one of the last as the property market fell off a cliff around two months after we completed. Anyway, that's the background. I never saw negative equity as a big…
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Sharing rental income
Hi, wasn't sure where to post this ir what to call it really but i was hoping some kind an more knowlegable sole would point me in the right direction to find the answer to my question! My mum rents out a house. She would like to split the monthly rental income between myself and my two siblings to help us al out…
