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Capital Gains Tax
Does anyone know the situation with capital gains tax regarding a former marital home. My husband and I separated in january this year and myself and our children left the marital home to rent as we could not stay. The marital home is now up for sale but I am worrying if Hmrc will land me with a capital gains tax bill as…
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REdundancy - College? - HELP!?
Hello there, I was made redundant on Monday 18th of July. I've been to the council and Job centere and applied for all I can. Because I am under 25, I am only eligibable for £52 JSA a week and £70 a week Housing benefit.(they aparently pay in full for the rent for the first 13 weeks - and within these 13 weeks i turn 25)…
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What happens on completion day?
We've exchanged, and are scheduled to complete in a few days time. Can someone run me through the process of what happens? I've paid 10% deposit, and the remaining will be on the completion day, along with my mortgage coming though. I was quite excited, but my partner isn't prepared to celebrate just yet, saying things can…
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Deduction from deposit
Hi, hoping for some advice on a difficult situation that has arisen. As part of the agreement on moving out of our rented house we had it professionally cleaned. Unfortunately the cleaner spilt some fluid on the wooden floor in the kitchen causing two large stains however they were fully insured and admitted liabilty. I…
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Cavity wall insulation while selling house
A friend has their house up for sale and it is not selling. He is not really bothered because he is downsizing and hasn't found a house to buy yet anyway. He has just changed his gas and electricity tariff and one of the enticements is cavity wall insulation and loft insulation and some energy survey for free as he is on…
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Houseshare or rent whilst deposit saving?
I currently am on a fairly good wage of £38k a year and housesharing with others. TBH the houseshare is stressing me out and I find it really difficult to live with those I'm living with. I'm currently thinking of renting a 1 bedroom place by myself, and although it may take longer to save a decent deposit (maybe 3 years…
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Landlords: Central heating contract advice please.
I have a house I let out which is a few hours from where I live. It is fully managed by an agent. I have a contract with BG which covers gas safety certificate and fire inspection. It also covers emergency repairs for central heating and plumbing. It seems expensive as the new quote is £470 per year. Last year they did get…
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Buying or Renting a flat with Concierge
Hi everyone :j Do concierge services actually work? What do they usually do? Do they accept parcels on your behalf, and can they manage collections? Obviously you pay extra for a flat with a concierge service Say you are returning something to an online shop and it's due to be collected between 9am - 9pm from your flat.…
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Buying and selling without a mortgage
My mum owns her own home and is in reciept of disability benefits. Due to her health she wants to move to a new house closer to me but my question is how does she go about buying and selling without a mortgage which she would be unable to get? Her house is worth about 80k and she has 60k in capital. The budget for a new…
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Selling land in Barbados
My parents own a piece of land in Barbados which they purchased over 30 years ago. The land owner ran off with the deeds but my tenacious Mother managed to track him down some years ago. Neither have any plans to live in Barbados. The land is in Ocean City overlooking the sea which is quite rocky and rugged - the reason my…
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Chimney needs sweeping - who pays?
Tenant or landlord?
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Suspect estate agent tactics?
We've been on the market for 8 weeks with 1 viewing so far. We chose an EA who gave one of the lower valuations (as it was consistent with our research) and has good local reputation. Unfortunately we'd failed to realise that although they use rightmove they're otherwise behind the times-they're shut from lunch on saturday…
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Who gets the bond on a rental property?
I need some advice for a friend as I've been trawling the internet and not found the solution to this problem. The girlfriend (H) of my friend (D) has left him after 7 years, 6 of those years with them living together. They were a reconstructed family, with 2 of the children being his and 1 hers. H moved up initially from…
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Help- Solicitor asking us to agree to Indemnity Policy.
Hello, My partner and I are in the process of buying our first home. We were supposed to have exchanged by the end of the month. However, our solicitor told us a week ago that they still hadn't received the Benchmark certificate for the boiler/heating system from the vendors and do not suggest we exchange without it. Found…
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Complete renovation - worth it?
Hi, We're a married couple who are currently renting in West London, but are looking to move out into a nicer, greener area with lots of open space and less stress! So far, our choice of areas has been whittled down to the Surrey / Hampshire border, and specifically Fleet and Farnborough stand out as nice but reasonably…
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Can't get a mortgage on a house with Jaapanese Knotweed
Hi lovely forum helpers, I am looking for advice on a situation I currently find myself in... A couple of months ago I had an offer accepted on a house. The survey company that the mortgage company (Woolwich) sent in (EServe I believe) noticed some Japanese Knotweed in the garden and Woolwich refused my mortgage (and…
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Moving house process
Bought my first house in Nov 07 (highest peak time before crash/credit crunch) as a FTB for £66,500 (this is the average where I live and all I can afford for a terrace house) and I had a mortgage for £58,500. Had it on a 2 years tracker, 0.13% above the BOE rate, first rate was 5.88 and I think it was £372 repayment,…
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New build part ex down valuation - what to offer
Hi all, This is my first post and I would greatly value your advice. Hubby and I started the process to part exchange our house for a new build property at the beginning of April. My husband hasn't got the best credit rating but we managed to get a DIP from Abbey (2 years fixed 3.44% -great!) with a 40% deposit. Initial…
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Tenancy agreement question
I have a query regarding our tenancy and some issues which have arisen with our letting agent. We (my boyfriend and I) are currently renting a property under a fixed term tenancy agreement. We had been considering whether or not to renew our tenancy, and after receiving a letter recently stating that there would be a rent…
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Renting a property and have a CCJ
Am looking to rent a private property as the one I am currently in is owned by my mother and she is now looking to sell the house. I have a couple of CCj's which are getting paid but am I still able to rent a property having these CCJ's. Am I going to be penalised for this. Myself and my husband can afford the rent. Would…
