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Buyers- are u buying for current or future circumstances?
Currently in 1 bed looking at 2 beds should we start family in couple of years though a small part of me cannot help by paying extra 40k for an extra room (though hoping to get lodger) might be bit waste given not living in the now but more future?
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Extension may not meet building regs
Solicitor is acting for us in the purchase of a ground floor flat, which itself is part of a converted Victorian house, Our solicitor suspects that building regulations sign-off may never have been given for an extension at the rear of the ground floor. (Indeed there may never have been a planning application - which would…
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Contents insurance query
Hello everyone, Just wondering if anyone can recommend me any good contents insurance companies? We are second time renters in the South but I think we were a bit had last year as we had to pay for landlords goods too which I don't believe it the norm. Young couple so not too many possessions, things of value - 1 desktop,…
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I offered too much for a house. What now?
I have been looking for a house for a couple of months, and last week saw one I liked. I offered 540 for this one. That was 40k over the asking price, but the agent told me there was lots of interest and a couple of other offers over asking that had been declined. The agent also told me that a neighbouring identical house…
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Need a Defective title insurance
Have just had this through from our solicitor for the house we are buying (we were meant to exchaneg last friday so its a bit cute this has only come to light now). The Policy was only dated 2 weeks ago. Should I be worred, and what else should I ask?: From what i can tell the property was extended but permission was not…
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Solicitor responsibilities
Hello. Our offer was accepted on March 26th and we still have no completion date in sight. Initially things were stalled as the vendor was recently divorced and is being forced to sell (not known when offer made!). However, our solicitor received all information required from vendor on 29th April, and searches were…
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Salary vs mortgage and bills-% leftover guide?
I've just been putting a budget planner roughly as to new mortgage and other bills I can think of and have offset from salary.... Amount leftover is good but is there like a % I should look at leftover? I can put that into topping mortgage but also rainy day fund.
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Proposed Extension next door - help please?
Hello, I am hoping someone with experience can advise and help with the following?... The owners of the property next door to my son's house have applied for planning permission for a large extension to the side. My son is planning to raise an objection as the extension is to the detriment of his property, mainly due to…
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nearing completion what a rollercoaster
hiya Put our house on market October, had a few issues with mortgage due to some adverse few years ago, received a offer in march, Offered on ahouse and our offer was accepted, Vendor really messed us about so withdrew offer, we then received abusive calls, only other house we liked was 20k more and that was leased, which…
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Part exchange help
I'm after some ideas of the best way to go about this, it's a bit complicated . I have saved up £12000 for a house deposit ( looking at around 150000 mortgage ) so no where near enough. At present I live in a house owned by my mum, I pay the mortgage. She has told me if I can find a new build that would do part exchange…
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on-line only estate agent - ping-property.co.uk
Hi I was thinking of using this online only estate agent, so that I can get my property on the main house selling portals like Primelocation, etc. Has anyone used this company before? What’s their service like? Any information will be appreciated. Thanks in advance
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LA wants us to let viewings before move out date
Some advice would be appreciated. We handed in our 60 days notice for our house on Friday 24th May and today received a call from the letting agents telling us they have a gentlemen who wants to view the house on Monday 3rd June. She did say I could be in attendance if I wished but honestly I don't want anybody in house…
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Building Regs - Converted property
Hi, Am purchasing a property which was an office and has been converted into 2 flats (top and bottom). I am at this stage having searches completed by the surveyors but have found out myself something quite worrying (atleast i think so) I Have found out that the building has not been signed off by the council yet,…
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renting in Leeds
been looking at flats in Moortown/ Alwoodley.. wanna live in a good area. . saw 1 in Tynwald Drive which looked nice.. seen some online at Kingsway Court. is that a better area ? hope someone can help thanks
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Received our Section 125 document - what next?
We are in the process of trying to buy our council property. We have just received a valuation on the property and how much of a discount we will get. I've been told by a friend that I can get additional discounts, up to 75%, if there are any structural defects. Does anyone know about this and how would I go about doing…
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Contractor/Self Employed Morgages? RIP Self-Cert
Hi Gents, I've been contracting in IT project management since November, so 7 months... The first 3 months of that were with an Unbrella company, the most recent 4 months of that has been through my own limited company. I take a minimal salary, with the rest coming in dividends. I'm currently looking for a morgage, but…
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Renting advice - Landlord issues
Hi. My partner and I have been in our current property for 3 months - we are on a 6 months Shorthold tenanacy agreement. The rental was secured privately and the LL drew up the tenancy agreement, however the signing of this was not witnessed by anybody other than myself, partner and LL. Also the LL did not provide us with…
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Borrowing for renovation- how does it work?
Hi all, This may be a stupid question, but I can't find the answer anywhere! I'm looking to buy my first home and the one I'm interested in needs some remedial work doing to the roof. If I borrow more than I need to buy the house (but less than the value of the home, I'm thinking of borrowing 85% rather than 82%), how does…
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Income from partial share of rental property
Hi Money Savers, This is a question about how the share of income from a renal property is determined for tax purposes. I am currently buying a property with my wife and mother-in-law (no jokes please ;) ), which we intend to rent out. The proceeds from the rental income will be shared out in the same proportion as the…
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Buying and selling solicitor confusion
We have had an offer accepted on a house. We have also accepted an offer on our house. We own our property. We are applying for a small mortage with hsbc on their no fee 2.99% 5 year fix. We cannot get an appointment till next wednesday. The estate agent acting on behalf of the house we are buying is now phoning us every…
