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Shared ownership lease unfair?
We have been shared owners for nearly 16 years - house prices rocketed just after purchase and we have not been able to buy the other half yet. We have been responsible for all costs but if we want to buy the other half we have to pay full market price - how can this be fair? Is there anyway we can challenge the terms of…
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Handing keys back
Hi all, Can someone tell me exactly what happens if you walk away from a mortgage that you CAN afford to pay? I've seen some misinformation on another forum about what happens which is clearly wrong and would like to advise the person correctly. I know what happens when you CAN'T afford the mortgage, but what happens when…
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want to sell but would like to sell privately
i wonder if anyone can help me!!.. i really want to sell my house and i done the stupid thing of looking before i had even put my house on the market.. big mistake as i have found "the" house.... so now i really want to sell quickly but like anyone i really dont want to pay massive estate agents fees.. can i do it…
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Tenants in Common
Has anyone bought a property as Tenants in Common but with ownership in differing proportions ie not 50:50? My wife and I are in the process of purchasing a Buy to Let in addition to our current house. My aim was that we could define the interest in the property via Tenants in Common with a trust deed so that the basic…
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Is it normal to have 3 different houses drains running through your garden?
We are buying our currently rented house, the landlord died and we're now buying from daughters. The house is a 1900 farm cottage, there are 4 in total. My mum and dad being next door. Our concern is that all 4 houses have all their drainage go into my mums septic tank next door. We have 3 and 4 drains run through the top…
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Home Saver Account
Hi there We are currently in the process of saving for a deposit and have only recently found out about the "Home Saver" savings accounts many of the lenders do - with additional benefits if you take a mortgage with them. I am just wondering if anyone has had any experience with these accounts and whether they actually do…
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shared-ownership options....
Hello I am about to turn 30 years old and my partner is a little older than me ;) We currently rent at £650 a month in Greater London / Kent and have a 5 year plan to move out to either the south coast (Worthing-ish area) or Nottingham (where my family live). My partner has a decent credit history but currently I have…
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Low wage and high rent: will the agency accept my application?
Hi, I am new here and I am seeking some advice about renting. I moved here from another country just a bit more than two years ago and I am currently living with my girlfriend. For a series of factors (mainly our home became very noisy at night, due to a new nightclub, plus my gf has been commuting all time as she works…
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Anecdotal - price matters!
I am currently selling a 2 bedroom flat in large town in the south. There are currently 667 two bedroom flats for sale 200 are under offer within one mile of the city centre Within the small area I am selling in there are 52 two bedroom flats for sale and 12 are under offer. They range in price from £280K to £140K but they…
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Halifax=house deeds
Hi all Halifax possess the house deeds from over 30 yrs ago. The mortage is paid so how do I go about obtaining them without being charged rediculous fees? Has anyone had similar probs? Thanx:beer:
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Santander mortgage application problem
Hello all, I'm am new to these forums and I have signed up for some advice on a situation I have.! I went to Santander on Saturday 21st of August to discuss a mortgage. All talks went fine with the advisor about affordability and everything was looking smooth to lend £28,495 ,including the booking fee with a £7000 deposit,…
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Legal requirements when selling a house
Sorry if this has been covered before, I'm guessing it has been but I've looked and am unable to find the thread. Could anyone tell me, apart from the EPC, is there anything else that I am legally obliged to do when selling?
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Private survey or mortgage survey
We hav just had an offer accepted on a bungalow, which has created a 1st floor, 3rd bed room. The house I think is mid1960's and on viewing looks like electrics and heating/boiler will need redone but I would like the addition of the 1st floor fully investigated! I would like to have a full survey done rather than a…
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Anyone used Homeswapper or Plumblife
I've just signed up to Homeswapper in a desperate attempt to move out of the near sink estate I live in. Has anyone used it at all with any success? And do you think I would get away with this description for mine? "Suitable for people with severe hearing disabilities. Smackheads, skanks and other lowlife will find…
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Selling a apt in Algorfa Spain Advice Please?
hi, I have property for sale in Algorfa Spain, I`m not experienced at all when it comes to selling a property. I would like to ask, where would be a good place to advertise such a property? are there any websites which are popular for selling/buying property or which estate agents are normally the best? we are selling…
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Selling a flat in Scotland.(need advice)
From start to finish, i would like to know the complete process for selling a flat in Scotland, can anyone point me in the right direction, perhaps a guide? getting home reports etc? I think the rules have changed recently but would like to find out which processes from start to finish i must go through please TIA
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taking furniture from leased out property.
Hi, We have been renting out our flat for the last 7 months and have just bought a new house. The new house was very top end of our budget & has left us with very little money to furnish it & all our furniture etc is tied up in our rental property. What are the rules on taking some of our furniture from our rented out flat…
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Help...subsidence on survey
Hi everyone We've found a gorgeous house, almost there with the mortgage etc. We know the whole house history (buying from relatives) and we also know there have been some issues with settlement in the property. Our relatives have had the insurers around who sent an expert to look at it and determined it was settlement…
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Buy to let retirement property?
Good morning all, I am wondering if it is possible to buy a retirement flat and subsequently rent it out. This would be with the intention of quite possibly using it myself, or as a 45 year old would I not be allowed to buy a retirement property? Any advice gratefully received, David.
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Desp to move....what would you do?
Hello everyone, I hope you can give me some advice on our situation and maybe say what you would do in our situation? We have been living in our current house for almost 6 years. During that time we have had two children (6 and 4) and I have reduced my hours working, whilst my husband has done well and increased his…
