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Viewing before exchange?
Hi all, I am buying a house that needs a lot of work. Do I need to view it before exchange? If yes - why.? What should i check?
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How easy will it be to rent a 2 bed flat with someone?
A family member is turning 18 soon and has suggested that we rent a flat together because we both want to move out (I live in a bedsit and she lives with parents) and I want to start planning it. This is all theoretical and we won't do it if we don't think we will be financially secure. So, if we found a 2 bedroom flat…
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Seller pulled out leaving us with costs - not once but TWICE now.
Hi, I'm hoping someone might have some constructive advice to offer, as we don't know what to do. We had our flat on the market for over 2 years and finally got an acceptable offer last October - yippee! Desperate not to lose the buyer we rushed around househunting and had an offer accepted on a house 3 weeks later. We got…
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Question on Stamp Duty on Transfer of Ownership
Hi there, My house is valued at £350k. I've got an equity of £100k and an outstanding mortgage of £250k. I transfer half share of the property to my wife and we make a joint application to re-mortgage our house by borrowing £250k at a mortgage fee of £2k, which is added to the mortgage. Do we need to pay Stamp Duty for the…
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Home insurance when moving
Can anyone tell me when I need to have home insurance in place on anew home and if i can cancel my insurance on my current property without having to give notice?
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Chance of finding a rouge tradesmen?
Hi all, I am very stressed at the prospect of ending up with rogue tradesmen for my home refurbishment project. This is my first home and we are buying a house tht needs work so that we can get it done as per our tastes.... The flip side of this is the hassle of finding good tradesmen. I've registered on mybuilder and…
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After the purchase - solicitor files
I sold and bought in December and thought that was pretty much the end of it all. I just noticed on another thread a poster had said that it's a good idea to get the file from the solicitor as it would belong to me. The last contact I had from the solicitor said that they would retain it for a period of time. And then…
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Stolen Keys
We currently rent through an Agency, last weekend we were broken into, along with the usual items (laptop, handbag, mobile etc) a set of keys were stolen. We contacted the agency as soon as possible and they arranged to have all locks changed same day. We've now been sent an invoice for the cost if this, surely it would be…
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House selling
Hi, just a bit of advice required pls house been on market 26 days with one viewing , on Saturday we had another viewer and the agent said the feedback was good but was really at the max of there affordability , they came back on Sunday for second viewing and offered me an amount which was about 20k under what i thought i…
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Additional charge on top of rent
Hi, 2 friends of ours were looking forward to moving into a their new flat tomorrow which is in the same complex as ours. Contracts have not been signed, though a £235 deposit along with the first months rent + bond (£1635 in total ) has been paid. When they called the letting agency today to confirm the contract signing…
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Replacement conveyancing forms
Couldn't see a previous thread about this; apologies if I've missed one. The Law Society has just published two revised forms:* Property Information Form TA6; and * Fixtures & Contents (aka fittings) Form TA10. The forms can be seen on this page. Explanatory press release is here.
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student tenancy agreement issue
I’d be very grateful for some advice – I’lltry to keep it short! My son is in his first year at uni and hassigned an assured shorthold tenancy agreement for a 6-bed shared house nextyear. It starts on the 1st July 2013. He signed on a Sunday morning in Feb withtwo others, and the landlord let them sign and agreed the other…
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Contacting the vendors Solictor for update.
Long story about this. I went to view a house last november, the moment we had looked at the hoyuse we knew it was the one for us to make are own and start our family there, i made an offer on the house the next day, it took to the first week of jan, to get the offer accepted, since then i have had my mortgage in place…
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registering for council tax
At what point do we have to register for council tax - we have just bought our property, have got the keys and are doing decorating there but aren't living there - will probably be about 6-8 weeks before we move in. Do I have register to pay council tax now or when we first move in and officially start living there. Thanks…
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Negotiating direct with vendor
Good or bad thing to try? We live next door to a house we're considering buying. The vendor showed us around. It strikes me that if the vendor and I could sit down one afternoon and work a price out between us, it could be a lot quicker than going through the agent. Is this something people do? Or is it not a done thing to…
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Different types of survey
Hi, We're in the process of buying a house. 1930s, I believe. Fairly unique. Current owner has been there for many years. Santander will be doing a valuation for mortgage purposes. The question is what type of survey should we go for. Originally we were thinking of going for a full structural survey, because we wanted to…
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how to sell house & buy one with no cheque account
My friend has her debt managed by Debt Advisory Line (I know there are free alternatives - that's an issue for another day), which means that she has an account with Secure Trust Bank, which means no cheque book. Her house is for sale, she's had an offer and has made an offer on another one. Can anyone help with how she…
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Exchanged today!
I've just exchanged on a property :j Will the completion date definitely remain the same? The solicitors have requested the mortgage funds for the day before completion to make sure all is well! Also, total panic but the home insurance went through an hour/two after exchanging...This wasn't the plan but due to my husbands…
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subsidence - mortgage co vs. surveyor
Hi all I've recently had a mortgage offer on an Edwardian garden flat...part of a row of Edwarian terraces on the street, with one other flat above. The mortgage valuer noted cracking and past movement but said risk of further movement was 'acceptable'. Other flats are in similar condition along the road, from my layman…
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End of tenancy - Deposit Issue
Hi all First time poster so apologies if I am not doing this correctly. I rented a flat from a first time landlord roughly 8 months ago, he did not want to do an inventory at the time so I agreed to this as the flat was in pretty good condition except for a few stains on the carpet in the living room and a mark on the…
