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Will I be able to rent?
Hello, this is my first post, any advice greatly appreciated! Currently I am have a joint mortgage with my soon to be ex partner, we have 2 children and I am a stay at home mum. We have been living together but in separate rooms for the past year, we have both decided that this cannot go on (he is involved with someone…
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First Buy-to-let
Good evening, Currently investigating the possibility of renting out our current property and buying a new home for ourselves. Question is reference tax on earnings from buy-to-let, I am within the 40% tax bracket but my wife is in the 20% so if we put buy-to-let in her name will we only pay 20% tax?
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Buying a house w/o Building Regs cert. for Extension.
Hi, Need a bit of advice pls. We are in the process of buying our first home. Its a 1960s built property, had extensions done in 1975 & 1985. We had a Buildings Survey done & it says absolutely no problems with the construction. Seller has provided the Building regs for the extension done in 1975 but is not able to find it…
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local searches taking so long - pay insurance and complete?
My husband and I have found a lovely house to buy in a small town in the countryside. We are first time buyers and the house is unoccupied at the moment (seller has moved in with partner). It has been over 10 weeks since our offer was accepted but the local searches are still not back. Our solicitor has arranged that we…
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Independent building survey or HSBC / Countrywide
Before everyone shouts at once - I have read the posts about Countrywide and, don't worry, we are not using them for our conveyancing! We have instructed another CQS conveyancer. However, we are in the process of making decisions about surveys. We are FTBs and our mortgage will be with HSBC. We have decided that we want a…
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Renting a property to family.
Hello..help needed :) My father has recently passed and myself and my brother stand to inherit a house. The house is in fairly poor condition and therefore will not be worth too much. My brother wants to sell but really do not want to lose this house as it has been part of our family for many generations. My question…
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what pitfalls if I buy half a house
My girlfriend and her separated husband are trying to sell their family house. He's living in the family house at the moment but the kids have grown up and moved away. She's currently renting a flat but that lease comes to an end soon. With her half of the house sale she wants to buy her own flat and the husband will move…
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Solicitor charging us for Idemnity Policy on house we are buying!
I'm just trying to check out our rights before kicking up fuss about this one. We're in the process of buying and selling at the moment. We're having to pay for an Idemnity Policy against an extension on our current home. There is a covenant saying permission for building extensions should be sought from the rentcharge…
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need help filling in n1 form for deposit return
hi thanks everyone for your continuing help with housing problem i moved into the property 1/1/2006 but the tenancy was renewed every january after that so should have been protected- i have looked at the shelter & consumer action forums but there is only advice on the n208 form- i think i need the n1 form but dont know if…
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Potential Chancel Repair Liability affect value of house?
Hi Just a quick query if anyone can shed any advice. Ive recently put in to purchase a property and have just had a letter from my solicitors detaling some issues they found when doing their searches. The main one is the 'potential chancel repair liability'. Ive searched high and low for information on this and it all…
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Selling inherited house - One party wants more
My partner has inherited a house from her parents which is being advertised at £130,000. The proceeds from the house are to be split as an equal three way share between her and her two brothers. An offer has been received for £125,000 which my partner and one of her brothers are prepared to accept, however the third…
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Please help! I think I've been given cheated by the agency :(
Hi Money Saving Experts! This is my first post on this forum, and unfortunately it's about an issue that I'm facing. I was looking for a flat to rent 2 months ago, and I need a parking space as I still have my car with me. Before every viewings I've mentioned to the agency that I need parking, and I came across this…
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Removal quote
Hi I've been quoted £822 inc VAT to move from a 3-bed to a 4-bed house a mile away in Buckinghamshire. We've got no unusual items nor have we got more stuff than would be expected, and we are doing our own packing. The price includes insurance but I will be checking my home insurance to see if I am already covered or…
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Buying an underpinned house - or rather not?
Hi, we found our perfect home (1930s semi) to buy, but were only told that it has been underpinned (15 to 20 years ago) when we put an offer in. We are now not sure whether to still go ahead with it. I know that it can be challange getting home insurance, but since I never lived in an underpinned house, I was wondering…
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Management company charges when selling
I'm selling a leasehold flat. The residents all have a share of the freehold and choose to employ a management company for the day to day running. The buyer's solicitor has asked queries of the management company through my solicitor. The management company wants a fee of £50 for answering these. Who should pay? Seller or…
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Will a spouse name change affect her husbands credit rating?
A man has just gotten married and his wife now needs to change her last name to the family name (i.e. taking up the husband's last name). Now married they are both looking to get a house together (means applying for a mortgage together) The man's wife does not have a very good credit rating and there has been unserviced…
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Raising a deposit?
I'm not sure weather this is the correct forum for this but here goes! My mum wants to help me and my sister get on the property ladder as we are both throwing away money renting. She is retired and mortgage free and has a house worth aprox £180000 we are just trying to work out the best way of raising a deposit for me and…
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Persimmon new build
Hi, My wife and i have been looking at a Persimmon home and have accepted a part ex offer and reserved the plot,i have paid the £500.00 deposit,i'm now however having second thoughts,and am not sure if this is just nerves or should i be really concerned,the mortgage,although a stretch initially is affordable,but we would…
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Landlord not returning Rent and Deposit
Hi all, I am a first time poster on here. I was recommended this site by another online forum. I would be very grateful if somebody could help me with the following - I am fighting for all tenants in what I am trying to do here. Introduction I have been renting a flat out for just under 4 years and left last month. I have…
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Can my landlord withheld deposit for the following
I have lived in my property for over 4 years so the property has had a little wear and tear which i know can be accounted for. But can my landlord keep some or all of my deposit for the following as I am leaving. Broken garage door spring meaning the door wont open Small hole in the ceiling that needs plastering where…
