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Hi can anybody help- ive been directed to this board, you may know the anser
Hi, My husband had taken out a joint mortgage with his brother 4yrs ago before we met. His brother started a relationship, his girlfriend became pregnant- husband asked to move out- girlfriend moved in stating that they would buy him out ( gave him £1000) stated rest to follow (£9000) which would cover the deposit my…
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Repossessed Homes
Hi MSE'rs, Me and my brother are looking to get into the property market, and we were looking to buy a house first for ourselves (wanting to move out of our parents house - but would like to purchase a property that is need of rennovation/modernisation. But from what we gathered and correct me if i'm wrong, they go through…
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Responsibility for roof with loft conversion?
Hi everyone, just seeing if anyone has any advice about whether the ground floor flat (with share of freehold, alongside upstairs flat) would still retain joint responsibility for the roof if the upstairs flat has converted the loft? I've had an offer accepted on the ground floor flat, the EA says the vendors think they're…
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300 days to complete a repair!!
i reported a problem with my housing association property on 13.10.2010 which was a leaking roof caused by a housing association contractor dropping a scaffolding pole through our bay window roof, this was compounded by the fact we were away on holiday until the 13.10.2010 so when we returned the floor / walls etc were…
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Trust advice please - urgent
Hi, Im in need of some advice please. Currently me and my wife are going through a divorce, we have a joint house/mortgage. The house was purchased with £10k deposit put in by each myself and my wife and £30k put in by my father. When we bought the house, my father created a trust agreement stating that if the house is…
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Buying a new build
Hi, I am looking to purchase a new build home using the builders part exchange scheme. As this is the first time I have dealt with house builder, I am looking or advice on how to minimise the amount of money I have to pay. Can I askthem to reduce their asking price? Help payy deposit etc. Many thanks
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Little Hulton Manchester, Good, Bad?
A relative is trying to get her foot on the housing ladder. Ideally 3 beds and garden and ex corpie house usually tick them box's. She is thinking of buying in Little Hulton, price being the dominant factor, plus commuting location is not bad either. The guy who services our car swears Little Hulton is on the up, he was…
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Nuisance neighbour has more rights than us, even when he's in prison.
Probably here to vent more than anything, as thus far I've found that the legal system is 100% designed to protect the perpetrators rather than the victims, so I doubt that anyone will tell me any different but here goes. My partner and his next door neighbour have been having a nightmare with my partner's upstairs…
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Help! subsidence,insurance & conveyancing
Hello, I would really appreciate some advice as very worried and do not know where to turn for fear of loosing it all! Back in October we brought our second property. (parents do not own property, so this is a real learning curve for us! ) I had the basic survey from my mortgage company as they assured me this would cover…
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HELP! They're cutting our gas off! Rights as tenants question
Hi, We live in a rented flat through a private landlord who has purchased the lease from the council. It is a council owned block of 8 flats. We received a letter through our door on Monday saying that National Grid need to relocate the gas meter from our bedroom to underneath the boiler (they've been digging up the road…
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First Time Buyers - More Mortgage/Personal Documentation required by Estate agents?
Hi, new to the forum, sorry if this has been posted but it didnt turn up in a search. my wife and i are first time buyers with a deposit from savings. Alot of those savings have come from very generous gifts given to us as wedding presents (we got married in june this year and didnt expect the size of the gifts to be this…
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Am I responsible for repairs?
I live in a rented property that includes white goods. Recently the lighting system has failed. Probably due to the fact that roof leaks water. Additionally the washing machine is malfunctioning. Constantly drawing in water. I have contacted the landlord and letting agency, but while the landlord has agreed to fix the…
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"Fee for registering the notice of charge".
I am the (reluctant)company secretary for our management company comprising of 4 flats. One of the owners is looking to re-mortgage and I have received a request to confirm our "fee for registering the notice of charge". I'm not sure what this means??? As each of the owners own a quarter share of the freehold is it…
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How reliable is a properly drafted Deed of Variation?
Hello everybody I am trying to buy a flat above a shop with cash and there is a problem with the lease. My solicitor has been insisting that I get a Deed of Variation to cover the defects and the seller has instead proposed indemnity insurance. The latter I thoroughly reject. Now after three weeks the seller has agreed to…
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Fee for registering the notice of charge
I am the (reluctant)company secretary for our management company comprising of 4 flats. One of the owners is looking to re-mortgage and I have received a request to confirm our "fee for registering the notice of charge". I'm not sure what this means??? As each of the owners own a quarter share of the freehold is it…
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Pros & Cons of shared ownership
Hello Was wondering if any of you could give advice on the pros & cons of shared ownership. It seems that you need a healthy deposit nowadays to purchase a house - 20K for a 100K property. Not sure I will ever be in a position to come up with 20K. Just wondered whether shared ownership could work for me. Let me know your…
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Lease length on flat
Hello, My boyfriend and I are first time buyers and viewed a flat yesterday that we are interested in. The lease length on the flat is 73 years. The vendors have said they will extend this if we put in a good enough offer. We are contemplating offering below the asking price (the property is currently priced above the…
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estate agent - very poor service
Hi i have had my house up for sale for 14months with a local estate agent and had about 4 viewings all couldnt get mortgage first time buyers even tho id told e/a from day 1 check the people out first and make sure there not time wasters. about 3 months ago a relative died and i got advised to wait for the will as my…
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Is it possible...
Here is the chain: Us- first time buyers who have everything in place on the property we wish to buy and are ready to exchange House we are buying- ready to move, just transferring mortgage House they are buying- no mortgage (downsizing), survey is happening on it today, searches were started on Monday Final house-…
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Rant about Mortgage Talk
We're in the process of buying a new build by Ben Bailey and instead of porting our mortgage we decided to take out a new mortgage. We had a mortgage in principle from our previous lendor for £260k. We only need the mortgage for £140k. We spoke with an independent financial advisor who came back with the same company as…
