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Campaigners take action against criminal landlords
From Scotland where, despite a Registration Scheme for LLs, it seems a LL with criminal convictions in respect of behaviour towards previous tenants is able to continue letting property. "Community activists in Edinburgh have launched a campaign today to lobby the City of Edinburgh Council for the effective enforcement of…
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Buying a portion of Parents house
Dear MSEs, I am hoping to find a fair and efficient solution to the following situation, any input most welcome. Situation My wife, 2 daughters, my parents-in-law and I live in my parents-in-law’s house. The house is currently in my p-in-l’s names. After a long and arduous process we now have planning permission to build…
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What is the definitive description of a studio flat?
I thought it was based on there not being a seperate bedroom, ie it's just in the living space...? Looking on rightmove ive seen places which have bedrooms but still have the term studio flat in the description..
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I rent for 1600 so why can't I get a mortagage!
Hi All, I've been renting for the past year for 1600 per month and yet my bank won't borrow me more than 120k???? A mortgage for the house I'm looking to buy wouldn't even be 1400 with repayment....? My Natwest customer advisor was even agreeing with me but still couldn't increase the loan available to me....hence why I'm…
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Buying with a friend
Hi All, I'm looking to buy a property where I live but my lending limit is 120k, I have a deposit of 85k but a decent 3 bed terraced is about 290k so my friend is considering becoming a joint applicant in order to help me buy. He already has a mortgage on his home and we have spoken with Natwest and they said a 2nd…
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Boiler gone - how long is fair
My (oil) boiler has been spouting black smoke out of the flue, and not really getting the radiators hot, so I called out the boilerman. He's found the pump was faulty, was overworking, and the excess heat had melted componants in the boiler. How long is it fair for me to be without heating? Christmas is coming and it's…
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rented home, letter from owner's mortgage company
Hi there I received a letter addressed to 'the occupier' recently stating that the mortgage company for my landlord were taking the landlord to court next month with a view to reposession. Having spoken to the LL, the property isn't on a buy to let mortgage and NRAM don't know we are here. We signed a 12 month tenancy last…
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Bank charges for renting your flat.
I've had to move out of my flat that I've lived in for 4 years and had a mortgage with santander for that period into a bigger place that I'm renting with my partner. I was told over the phone by a santander employee that it would cost an administration fee of up to £250 for permission to rent. Anyway, I went through the…
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Rented house has been repossesed?
I moved into a rented property just 3 weeks ago, we've had a nightmare trying to get certain things sorted out etc with the landlord very openly not caring too much about the property. We've been chasing since this time, and again he's been making exucses etc about why things can't be done. We today recieved a letter in…
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Help Needed!
Ok so here's my issue, Recently my father has had a stroke and i have the unfortunate job of taking over his finances while he is unable to. I have just discovered his mortgage ends in 3 years and to to my horror have also discovered it's a interest only mortgage and he's never paid into any other plan to pay off the…
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major help please verging on a break down.
hi if you wouldnt mind helping me i would be really gratful. we moved into a rented property fully managed by the letting agents on the 2nd of december 2011 for a year contract. our deposit has been protected. we have had loads of problems my brand new bed has broken due to the slats getting damp from the condensation in…
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Should we convert mortgage, or stay as we are?
Afternoon, I wanted to see if someone could give us some advice or pointer on a scenario we have. Me, my partner and our baby are looking to relocate back to the south of England, we currently live in my partners house of which she has a mortgage, currently out of contract and on a variable rate. Now ideally, we want to…
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Moving from 1 bedroom flat to 3 bedroom house – utility bill increases
Well as the title says we’re planning on moving from a 1 bedroom flat to a 3 bedroom house next year. I’m currently trying to work out roughly how much our utility bills will increase and was wondering if anyone could help me. We pay £23.57 a month to the water company. I have no idea how much this will increase for a 3…
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Sell or Rent?
Just looking for some advice on the best way to proceed with the following scenario: Person 1 - owns a £190,000 house with £100,000 tracker mortgage at 0.5% above base rate Person 2 - owns a £130,000 house mortgage free Savings together around £60,000 Both people looking to live together and buy a home I know the budget is…
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Putting an offer in on a house
Hi all. My boyfriend and I have found a house we really like. Its up for £149,950 3 bed detatched. We have already put a cheeky offer in for £130,000 and we knew it would get rejected. We are next going to try £135,000 then if not we are going to goto £140,000 what does everyone think the likely hood of an offer being…
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mortgage company decision on allowing us to let our house
Wonder whether anybody can help? I`ve informed my mortgage company that I wish to let out my house and they are going to make their decision on the following considerations: 1. The outstanding balance compared to the value of the house 2. The reason why we are letting 3. The monthly rental income compared to the monthly…
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Selling house - what happens to money?
Hello, I am a pensioner and own a house with my wife. I would like to sell my house and move to Germany to be with my son. My son is settled there and wants us to move in with him. My wife and I are both happy to do this, but we don't know where to start. We want to sell the house and move to germany but we want to keep…
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Shared Ownership - Opinions please.....!
Hi all, Hope I am posting this in the correct place! We (my wife and I) are looking into the possibility of moving into a shared ownership property. Without going into too much detail (yet, anyway) it seems to be our only way of affording a bigger house (Me, my wife, our son & another on the way in May!). Does anyone have…
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trees close to property - who to call for advice
many years ago a neigbour planter pine trees close to our property and we had a friend that said not to remove completly as heave could reslt. we have kept them trimmed but neglected this in recent years and they are pretty tall (8-10m) one is within a meter of house. i have added a conservatory on the back about 10 years…
