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FTB - advice on making the right offers
Hi ladies and gents Buying with my partner and have found a property we like, viewed multiple times and have checked out everything I believe we should have. House has been for sale for 10 months, no chain, a split, up for 161k Needs some minor updating + tidying but is in good shape. Now I was thinking 150k first offer…
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I'm really worried about being gazumped
I have had an offer accepted on a repo but the conveyancing will take 19 working days due to the council moving offices. I have paid the conveyancer £300 and know that they are going as fast as they can and I have paid a mortgage which will cost me £1,300 (surveyor, booking cost etc). I got the mortgage through the estate…
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Conveyancing help please!
Hi, I need some help, which is kind of part 2 from this thread: https://forums.moneysavingexpert.com/discussion/3394268 In a nutshell, the problem is now that our solicitor "feels obliged" to tell our lender about the knotweed. For some reason I find the whole thing a bit fishy, let me explain... We got a mortgage offer…
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Letting Agency
Agent has deducted 12 months commission immediately. (this covers from Oct 2010-end Sept 2011 - thus over two tax periods) For the tax return, do I divide the commission so that even though the commission was taken in tax year 2010-11 the tax return should only cover the 6 months to the end of the tax year. The remainder…
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We are "SOLD STC" on rightmove, we haven't got a solicitor even yet!!?!
What is going on, can someone explain this one to me, please? We've had an offer but although we have verbally agreed to it, we haven't appointed a solicitor yet, nor are we aware of a formal offer from the buyer or the buyer's solicitor to our estate agent. On Tuesday only there was someone around to do his mortgage…
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First Time rent - after split with Wife
Hi I have seperated from my wife and I am looking at renting my own place, however I have some severe concerns I would like help with. I had a DRO which ended in Aug 2010 and since then owing to the debt my wife ran up in her name (and a small overdraft in my name) we decided to go on a DMP, and have my wages to go into…
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First time buyer, buying to let
Hi all I'm 22 looking at buying a flat 20 mins from cent London and letting it out. I don't really know where to start to be honest, I'm in the Army based in Germany and will be for at least another 5 years so I will be using a letting agency to do all the hands on work for me. I've got £10k in the bank, the property is…
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Non-specific Guide Prices
Hi All, Why do estate agents advertise property with a guide price in range?, like say, 200-240k?. What are they trying to achieve by doing this?. Clearly unless there is some form of bidding war, nobody is going to offer a penny above the lower price so why bother?. As a potential buyer I find this quite annoying…
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New Build - making an offer
There is a new development around the corner from me which has around 300 homes on it. It is nearing completion (probably about 30 homes to go). My husband and I have sold our house (subject to accepting an offer put forward late last week) and made an offer on the new build (4 bed 3 storey with decent size garden). I am…
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Help me Is this a Fake Lanlord
Hi, Can anyone help me to identify is this a fraud? I was looking for a room for my self and found a room at Gumtree.Flat owner contacted with me via email.. Here the part of her email... my solicitor and i have decided to carry out a simple test on seriousness and financial ability to pay for my rent before coming for…
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Lease extension question
The flats in my block all have a share of the freehold with leases which started at 99 years back when they were built in 1988. I've had a note in my postbox from my neighbour who runs our residents' committe saying a few people are interested in extending their leases, and giving the approximate costs involved for each…
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Ending an AST early
Hi guys, I am currently living in a rented house at £550 a month. My OH and I have split up and I want out!!! I rented alone before he moved in and last time we moved at short notice (LL wanted to live in house again) we basically had to take this place as couldn't afford referrences and deposits etc. we kept the lease in…
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Paying rent by direct debit
Hello all, I have recently moved into a new flat. The agency gave me a standing order mandate so my guarantor could pay the montly rent. However we explained, myself as the tenant would be paying for this and they said there would be no problem. However when I went into their office to get the standing order form, they…
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Are we scrubbers or is landlord in wrong?
Hi - I'd just like your opinion on whether we're being unreasonable dirty, house-trashing scrubbers, or whether our former landlord is taking the proverbial. W've just moved out of our house after three years there and have received a list of damages and so forth, including: - they want us to pay to get a gardener in to…
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Can you force tenants to do things?
Is it legal to require house rental tenants to sign a contract so they are responsible for all repairs etc. like you can with commercial tenants? Say the boiler breaks down, they pay for the repair, if the drains get blocked because they poured fat in there, they have to pay for it to get it unblocked...and other things…
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Do you feel as if your treated as second class?
Hi ive allways rented do you or have you ever felt like you are treated as second class by neighbor who own their homes ? I have one neighbor who likes to cut his grass at 5am with a petrol mower informs other home owners but not us .
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Trying to get info about a property
Hi, Me and my husband are looking to move house. We have a two year old daughter and are planning on having more children soon. We have found a house that we like that is a repossession. The front garden is quite big and looks onto a road. The house is also a corner plot. There is no fencing at the front of the property…
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Letting house through Lettings/Estate Agency
Hello, I have a question about letting my house through a lettings/estate agency. Will the lettings agency require a written permission from my mortgage lender that I have asked them if I am allowed to rent the property? Thank you for your help!
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30 and at parents
i seem to be getting left behind, most of my mates are either married/in long term relationships/have young kids... even my younger sister is getting married and living with husband to be. i have worked nearly all the time i left school at 18 and bought a property at 20 (£122k) which i sold in '06 and bought a similar…
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Ownhome Co-operative Mortgage
Dear All, Has anyone had experience of re-financing their mortgage after buying through the ownhome Co-operative mortgage scheme? For instance converting to buy-to-let after paying off a significant part of the mortgage? Any advice from people actually involved in this process would be gratefully received, including…
