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Can i go from 1 bedroom to 2bedroom(homeswap)
I have advertised on homeswapper and have found an exchange, we have submitted the forms to council and are waiting a reply. I am just wondering if i need a reason other than being closer to family and needing overnight care from time to time to go from 1 bedroom to a 2 bedroom?
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How much do banks lend you for a mortgage?
We are in a dilemma We are married with 3 children all under the age of 9 years. WEve rented for 10 years now and desperate to buy now. How much are banks lending you. Ive heard its 3.5 times your salaries? How much deposit would we need? We live in Berkshire and current 3 bed houses are around 180-200k:eek: Would it be…
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Advice with credit cards and mortgage applications needed please!
I've been 'pre-approved' for an 'All in One' credit card by Halifax (I recently moved my current account to them), but I'm not sure if I should take it and what impact it will have on my credit rating. I have two store cards with around £100 on each, and have been paying the minimum by dd each month, and occasionally…
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Moving to a more expensive area
Feeling a bit sad today. We recently moved house as my OH got a new job which was involving a 2 hour commute however it meant moving to an area where house prices were almost double our previous area. I am really missing our old house, despite tripling our mortgage we still couldn't afford anything nearly as nice and I…
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Cost of living (renting)
Hi everyone, I think I have found a house to rent we like. Rent is 500pcm, cheapest in the area but has been on the market for over 2 months. Is it usual to be able to negotiate with rent or is it generally fixed? We can certainly afford the rent, but how much extra do we need to budget for living in general (gas,elect,…
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Leaving Rented Property early
Hello, I am looking to leave my rental agreement early and willing to pay for the rest of the rent. But the letting agency is stating that I cannot leave the property unless the landlord is happy, is this technically correct even if I am buying out the contract essentially?
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Air locks in hot water systems
Just looking for a bit of advice. My tenants have reported for thr 3rd time in 4 months that they have no hot water. Two previous times it turned out to be an air lock in the system and I think this may be the case again. What I can't understand is how the air lock is getting into the system. I lived in the property fr 4…
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Where are all the nice houses??
How come now I'm in a position to look for my next home there's nothing I really like in my price bracket?
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Survey or not to Survey...?
I would like to know what your thoughts are on the issue below- Someone I know is buying a 100 year old house in the South West of England, with a 40% deposit. There is obvious damp in the property (the extent and location I do not know- I think its only the living room), and there is a chimney which has been blocked up by…
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Advice regarding notice please please
Hi. I've just signed up because I'd really like some advice. I've been a tenant in a property for almost four years. Anyway, we're looking for a larger property to rent as the kids are growing up and need more space. Although I rented the property through an agency I've had a lot of contact with the landlord as he prefers…
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Help with leasehold stuff
Hi All, Not sure if this is in the right place - sorry if its not. I own a leasehold flat and have some issues with the landlord/managing company. Since buying my flat, over 6 years ago (in fact it was part of what the estate agent showed me) I've had access to a communal area separate to where my flat actually is, but an…
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Selling inherited property
I am in the process of selling an inherited property but I am unclear about the procedure for transferring the title deeds and have been struggling to find guidance. After probate has been obtained do I have to transfer the deeds from the deceased person to the beneficiary (myself) before selling the property? Thanks
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Don't know what to think :-(
Hi all Just thought I'd post for thoughts as no-one can do anything but this house selling is doing my head in! 3 weeks ago we accepted an offer. Since then...nada! Nothing has happened! Is this usual? Our buyer is an investment buyer...she came round with her family the other week to show them. My estate agents keep…
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Buying: Asking for a boiler safety certificate / service
I've just read an interesting thread (forums.moneysavingexpert.com/showthread.php?t=3974587) on testing things out when buying. When we bought our current home, it was winter and the heating was clearly on. However, when we moved in, we quickly realised that in order to get the heating on, you had to stand next to the…
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Can I pay any vendor costs without raising eyebrows...
....with the taxman. Hi there, I have tried to search, but not 100% from the threads found. The age old query of a 250k house offer. Would anyone know with relative certainty if there are any costs I could offer to pay to increase my offer without really increasing it, i.e: - sellers estate agents costs - sellers…
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Sequence (brown & merry)...
Anyone had any recent experience of selling (ideally) or buying with this large national estate agent. I know they come under various independant names but has anyone had experience of Brown & Merry MK?) :beer:
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How much (minimum) do i need to buy a house at £70k?
Been on a couple months, will try to haggle price down so i can keep as much cash as possible...how much will i need for fees,furnishing,first months setting everything up and most importantly deposit etc? Will try to get price down to £65,000 but use the £70,000 as a guide incase i cant. Will be looking at 10% deposit and…
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Advice needed
Hi, I was just after a bit of advice if possible, I have taken voluntary redundancy from my job, due to finish in December with my redundancy pay to follow the week after. I am hoping to invest some of the money in a buy to let property. I know I couldn't get a buy to let mortgage until I am in a new job for 6 months or…
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Notary fees in Spain
hi there bit of a long shot but does anyone know how much these are at the moment. I understand from research that the fees are set by the government but am unable to find out the current rate. We have been quoted 900 euros by our spanish lawyer but from what we can gather this should be nearer 4-500 euros. This is for the…
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Window lock keys missing on completion
Hello All, we recently bought a property and on the papers we received detailing what was included in the sale it said that we would get keys for all the window lock and all the doors. On completion we found out that we had some keys missing but, as we were going to change the door locks anyway, we decided not to chase…
