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Mortgage ADVISOR in Bedford/Stevenage?
Hi all, Tapping into the forum's knowledge here :) Anyone can recommend someone local to Bedford or Stevenage who could help a couple of first time buyers to get their first mortgage? It really should be a fairly straight-forward case, but we would like someone who rather than just finding the cheapest thing we can afford…
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Signing contract
Hi all Is there any way to authorise a solicitor to sign the contract for the property I am buying, in case I can’t get to their office at the crucial time? Hoping to exchange later this month but will be out of the country for a couple of weeks! Thanks
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wrington
Hi all im planning on moving and have been thinking of wrington, does anyone know what its like there? anyone on here live there?
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landlords and digital switch over/new aerials.
does anyone know what the position is with private landlords and replacement aerials for the digital switch over?? i read some time ago in a daily newspaper that a lot of private landlords were falling short with replacing the aerials for their tenants; the switch over here is march next year so a while yet, but is it the…
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Title deeds question
Hi, Is it straightforward to change the title deeds to a property from joint ownership to a single name by mutual consent? Currently this house (purchased on 29/4/11) has myself and my mother as joint owners, however we both want to change that to just myself being named as sole owner because of future plans (2012). There…
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Negotiating a 10% deposit mortgage
I’m moving home and found a house I really like but for the price I only have a 10% deposit to put down. My building society requires a minimum of 15% deposit. I know there are a few 10% deposit mortgages around but I would prefer to stick with my building society as first, I don’t need to pay an arrangement fee and…
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strange rental arrangement
I've been living in a new place now for almost 2 weeks. The rent arrangement is pretty strange becuase it goes to some man (subletter I think) in greece (uk bank account tho) and then apparently on to the landlord. The strange thing is how the landlord maintains the house and has already fixed the leaking sink tho I never…
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Lack of pictures?
Good afternoon have found a lovely bungalow for sale for £139.950 in the description it says needs work and there is only 1 picture of the outside. Is this because chances are it's a complete dog inside and the agents don't want to put people off or is it them just being lazy? Thanks for any replys
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Vendor wont move
Hi All I have a problem and I'm not sure who has what rights or responsibilities in this case. I am due to exchange on a house tomorrow. All the way through this process, the vendor and her EA have been on me to get this finalised asap which I have done. I actually got the contract to sign last night and it's back in the…
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renting a place for the first time, where do i get a reference?
Hi all Im moving out from my parents place soon and hopefully getting a place within the next month, i know you need to get references from previous landlords but if im a first time renter where and who do i get them from?
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Find sold price on shared ownership
Is it possible to find out the price paid for a property if it is not listed in the land registry because it was bought under shared ownership when newly built and this is the first time it is for sale?
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Dodgy Electrical wiring
Didn't grab a photo but I've seen a wall plug socket fixed to the wall with just the cable going to it. It's not under conduit of any desciption and there's a cable running under the carpet into another room. What's the best way of getting that dealt with? (I imagine the landlord's cheapest option is to just remove the…
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Advice on Solicitor/EA Ethics
Hi Hoping someone can give us some advice on this... We're first time buyers about to make a formal offer for a property in Scotland so we need a solicitor. I've been trying to get some recommendations and asked the estate agents representing the seller (a large, national company) who recommended a small local firm that…
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Modernising a home cheaper than buying?????
Im thinking of purchasing a home under £70,000 and modernising it up, in the region of £30,000. I know this process is hard, but will it effect greatly if I just bought a home for £150,000? Talking about modernisation im meaning:* Kitchen * Floors * Walls * Painting * Garden Front and back * Rooms * bathroom * Furniture. I…
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Problems with replacement heater and landlord agents
Hi all, I have night storage heaters in my flat, one of which broke. I contacted the agent who responded and sent someone out. However, I am on E.On's heatwise tariff and the heater should be wired directly into the heatwise system. However, the guy that came to do it replaced the storage heater with a panel heater told me…
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Can you get a 100% mortgage anymore?
We are renting and theres been a few issues with the house that are now resovled but we have a horrible feeling that the landlord will want to sell as its prob cost her a fortune ie new roof, plumbing issues etc. We dont want to move and love this house but have no savings whatsoever. We both have good jobs in the public…
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Management Company legislation?
Hi all, Am trying to make yet another complaint to the management company and want to hit them as hard as possible. Can anyone point me in the direction of legislation they must follow etc etc. Any help much appreciated as at the minute they are simply ignoring me! Thanks
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Should freeholders maintain fence of repossessed house??
Hi The property next door to mine was bought several years ago and has been let out ever since. I now rent out my property and have recently got my first tenant in. My tenant has told me that next door is now empty and another neighbour says its been repossessed. The problem is is that the fences all around the side of…
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Managing Company not collecting money for sinking fund
I live in a block of 12 flats, all the flats have long leases. We need major works done to our building and these works were first investigated by a building surveyor in 2007. The building requires some rendering works as well as roofing, joinery etc. Some of the works will require scaffolding. Since the report came out in…
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Deposit Gifted by Spouse
Hi, I am buying a property in my name only and I am the first time buyer. 1- Can my spouse take a loan out and gift it to me as a deposit ? 2- My mother who lives in India, can she give me money for the deposit ? in this case It would be in the form of hard cash and I will deposit it in the bank when arrives. I am…
