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Negotiating with a housing association on purchase price
I would like some advice on how to negotiate the purchase price with a housing association. I've been offered to buy a new build flat at £140k. I had a valuation through my mortgage lender that came in at £130k. I discussed this with the Housing Association who wanted to challenge this valuation. I have spoken to the HA's…
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NRAM - Mortgages
hi forum, I am currently on a SVR mortgage with NRAM. The house is also in negative equity. ( Roughly 15 ish grand ). So cant sell. What i am planning to do is rent my house out which should cover the mortgage cost and maybe move back to my parents. This should hopefully give me a chance to save to re mortgage with another…
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Advice Needed Please - Fire/Landlords
Hi. If anyone has any advice regarding this matter, I would genuinely appreciate your thoughts. In late August, my OH caused an accidental fire in our back garden which burnt down the fence separating us from next door. I say 'fence' but it was approximately 4ft high chicken wire with a small trellis on top and…
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Advice needed.
Hi, im a 25 year old student, i live with another student. Im in need of some advice. We have a short assured tenancy agreement, as joint tenents, this is in scotland i know the rules are different in england/wales etc Ok, so heres the problem When we moved in, she paid the full deposit, we have a signed paper with both…
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query about offering and a repo
Could I just pick your collective brains for opinions, please - I do not know if I am being paranoid or am correct to be suspicious?! We saw a house for sale on rightmove on Thursday, which only came on there on Wednesday, booked a viewing for Saturday afternoon. We had already decided to offer it it fitted - so took proof…
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No certificate of completion post missives
Hello, hoping someone can give us some advice here. We have bought a house and concluded the missives about 6 weeks ago (in Scotland) We asked for documentation regarding the extensions done to the property when we made our initial offer and also asked our solicitor on other occasions for this too. The vendor also advised…
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Contract Exchange to Moving In, Help Please?
We're first time buyers and not sure if we're being messed about or not so any help to the following questions would be greatly appreciated. We received the exchange of contracts paper and completion summary yesterday morning, and we agreed pay all fees and deposit this Thursday. This Thursday was the original completion…
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Reserve Mortgage to Fund Let - Tax Issue
I have just bought an apartment using cash and part of the reserve mortgage on my main home. My question is: can the extra interest payable on my reserve mortgage be used against tax in the way that interest from a buy-to-let mortgage can? If so, could I move some of my reserve mortgage to savings until the amount of…
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No details of our deposit registration
This is probably answered somewhere but I couldn't find anything when searching so apologies if I am re-asking an old question... Our tenancy is due to end on 18th December. We've jumped ship and onto the property ladder but were otherwise generally happy with the flat we rent, save for a few niggly things. When we started…
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Consent to let
Ok so how does this work...? We have a tracker mortgage with woolwich. It is a really good deal. Is it just a matter of paying a fee to woolwich or do they do other things like change your mortgage rate? or even run credit check/check affordability?? i am asking as we are buying a new flat and at first we asked woolwich…
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Landlord trying to make us pay for repairs...
we have been renting for a year and half, our Landlord lives in Australia and his brother does the inspections etc. recently one of the neighbours requested some of the fence panels be replaced as they were broken, we got the landlords brother round to check it out and then left it in his hands.last week it was repaired,…
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Broken Central Heating and Slack Landlord
We reported to the agent managing our rented house last Tuesday that the central heating wasnt working properly. He came and looked at it and managed to get it working for the evening. the next day it didnt come on when programmed so he came back out had another look and agreed that it was broken. on Friday we had an…
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Council tax
I'm just about to move into a house and have registered with the council tax. They've asked for a previous address but I've been living with friends/relatives and not had a permanent address as such. My last relative I lived with didn't register me on the council tax, any advice?
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FTB, new build with 'FirstBuy' scheme - advice please!
We are FTB's who have just started looking into a new development with Miller Homes. Its a 4 bed 3 storey semi detached, priced at £168,000. There is 1 house left with the FirstBuy scheme on, it is complete. (already has carpets in, kitchen, bathroom & WC all fitted. There is fencing & turf also already done in the back…
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Part ex - new build inflated price
We are in the middle of a part ex, the value we have been offered on our existing home is as we would expect - not under valued at all, however £20,000 has been added onto the value of the new build for us buying it as part of a part exchange deal rather than just buying. We realised this from the beginning but what I…
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Choosing a solicitors for sale and purchase
Hi, Just thought I'd pop in for some advice. My Dad has found a property he'd like to buy, and is SSTC on his own house. He now needs to sort out a solicitor - well, technically, I need to sort out a solicitor for him :D I'd advised him to go to a local firm - when we bought earlier in the year, being able to pop into the…
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Vendor repairs
We had an offer accepted on a 1st floor Maisonette and after the survey came through with a few snags the vendor said he would do the work prior to us moving in, some of this work is the joint responsibility of the homeowner on the ground floor so the cost was going to be split in half. Now the vendor has come back to us…
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problem with downstairs flat's landlord...
We live and own the 1st floor flat and an estate agent rent the ground floor flat. Two years ago, we did the roof, split the costs 50-50% as per leasehold/freehold. Now, the last tenants went up the roof to put a satellite and broke some tiles. The cables run to the ground floor flat. The tenants have now gone. the…
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Maintenance fees
In the process of buying first property with my sister. We are still waiting for the solicitors to do their checks during which somethign has cropped up which has begun to worry us slightly. We will not have the freehold on the 2 bed flat and will be paying an annual maintenance fee to the management company who carry out…
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When buying is it better to use mortgage solicitors or your own?
Does it make it any quicker using their recommended solicitors?
