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Loft conversion
As people were so helpful on my first post regarding our house survey, I am back with another question. The property that we are in the process of buying has a single storey side extension on the house which is used as a kitchen. After much investigation (my 1st post references our rubbish solicitors) we found the planning…
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Consent to let
Hi everyone, We are planning to move abroad. We have tried to sell our property in the last year but with no satisfying results. We considered letting out our property but have been told by our C&G ML that our tracker mortgage does not allow for that and that we need a BLT mortgage. We are totally disguted as we had chosen…
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Help with part exchange please!
Offered 115,000 for my house as I want to part ex it with a house worth 164,000. That pays off all of my mortgage so how much would I need now? Sorry if I'm sounding a bit dull!
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Difference between share of freehold value in flats
Hi there, We are purchasing a flat that was advertised as share of freehold. It turns out that it is not fully share of freehold, but has a share in the management company that is owned by the freeholder. We have also discovered it only has 77 years left on the lease, which we weren't informed about. If the seller agrees…
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Mortgage Application Issue
Hi All, I've recently been rejected for a mortgage, my credit score last time I checked (about 2 months ago, nothing changed) was 897. I saw a mortgage advisor who tried to secure the mortgage from 3 companies. I was applying for 100,000 with a 10,000 deposit which is all I have in this cruel world. I do have a default…
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House purchase dilemma
Would really appreciate getting this off my chest! I'm currently living in a rented property with my partner and 11 month old. We have come into some money recently (enough for a 10% deposit on a property we have seen). I really want this house. I saw it yesterday and is 5 minutes away from our rented house. The people…
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House Survey
We are 1st time buyers and have just had the survey done on our new house. The survey has brought back some issues: essentially some areas need repointing, a tile replacing & moss removing from the roof, some flashing replacing round the chimney & we have had a quote of £1,500. Also the survey states that the electrics,…
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Rent a Room - Questions to ask potential housemate
Hi. I have placed an advert to rent my room. I have had a couple of people interested & want to come see the room. This is completely new to me. What are the questions i should be asking them ??
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Renovate vs Demolish & Rebuild Cost
hi all, I have seen a semi derelict rural house close to where i live in west/north yorkshire that im interested in buying, im after a little advice on possible rebuild costs. It appears to be a 1930's ish brick 3 bed detached house, having a walk around the outside as its all boarded up there are a couple of noticeable…
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Buyer wants to renegotiate after survey!!
I am new to this so please be patient with me!! I would like some advice please as we accepted an offer on our house 3 weeks ago which was £5,000 below the asking price, the main reasons we accepted were that the buyer has no chain and we have found another property which also has no chain and would like to move quite…
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Is this right? - re: land registry deeds
Inherited half a house 7 years ago - bought other share. The problem I have encountered is that on the Land registry it shows that the property was sold for the half share. Where do I stand with this when I sell? Will I have a huge capital gains tax to pay? Can I get the deeds changed after so long? I only realised the…
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Cost of living calculator?
Me and my boyfriend are about to start saving for a deposit for a mortgage and are going to be saving £500 a month each for the next 18 months to do this. I have a figure for how much it will cost to pay our mortgage each month, but as I've never lived away from my parents home, I've no idea how much to expect to pay out…
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Same flat, new ladlord
Hi Guys, I was just wonder where I stand as a tenant in regards to a change in Landlord. My girlfriend and I have lived in a flat (within a dived house) together for around 3 years, prior to this she live there on her own for a further 2-3 years. This private rent has been perfect for us as the landlord favours under…
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Communication updates from estate agent when selling?
What sort of updates and how often should I expect from estate agent? First couple of weeks had a handful of viewings but nearly 3-4 weeks nothing and no updates from estate agents. Are there things we should ask the estate agent on updates etc.?
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Confirming Stamp duty
I'm about to commit to buying a house (not yet signed anything) but stamp duty has become an issue.* The Agent tells me it's a regeneration area, so exempt up to £250k. * HMRC doesn't hold the address or area on record, but says the limit is £150k for regen areas, of which mine might be. * The solicitor is on holiday so…
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Shelter's tool to check if your deposit is protected..
Don't think this link has been posted before - if it has, apologies! http://england.shelter.org.uk/get_advice/paying_for_a_home/tenancy_deposits/deposit_protection_and_tenancy_deposit_schemes?src=hpban-s The legislation regarding deposit protection has changed recently. Be aware however that there has been discussion in…
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Totally Stuck!
ok for a bit of background, my dad has just been diagnosed with terminal cancer, he doesn't have good family support where he is and we have his only grandchildren and just, well, NEED to live closer. BUT.... we have huge negative equity, zoopla gives us a value of 76K, mortgage is for 96K (we overextended, 125% mortgage…
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Buy New Build Under First Time buyers Scheme Need Help to get the Price Drop Please
I have got 147k in the Pot, most new 3 bedroom build houses in our area are 170k, Any Tips for getting 20k of Advised Price
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Switch to a Buy to Let AND buy a new home?
Hi All, first post on here... I have been searching all over the web for advice on this without success. Any tips or ideas gratefully received. Our situation. We have our flat on the market (Home Report value £100,000) and have just dropped the price to £95,000 fixed price - willing to sell fully furnished. However have…
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Landlord's passed away family want house back..where do we stand?
Hi guys, as the title says the owner of the house has passed away and the family want the property back to sell, he told us this just over a week ago, so we've been frantically looking for somewhere else convenient to rent,. Just called our estate agent and found out that they hadn't yet been informed...they (coldly) told…
