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Would you rather have..
A) 4 double bedrooms and 3 small bathrooms (1 ensuite, 1 downstairs cloak room, 1 main bathroom) Or B) 3 doubles and 1 box room, and 1 large bathroom and 1 ensuite, 1 cloakroom House is on 3 levels. ETA - There would be a shower in the ensuite, and a shower above the bath in the small bathroom. Separate shower and bath in…
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Share ownership questions, please help.
Hi Everyone, I have been reading about shared ownership, on this forum, and what concerns me the most is the rent and service charge going up every year, and how it has affected some people to the point where they can't afford the rent. I would like to save for 10 years or less in a 1 bed room so I can save a large enough…
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Landlord entering your property whilst you are in bed
Hi All, Im looking for a bit of help. I currently have an outstanding balance of 1 months rent with my landlord, which is in the process of being sorted out. I came to a payment arrangement with them, and they accepted it. I then had to change the date of the arrangement just once, all amicably I might add. The other night…
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Shared ownership self employed ???
I am just doing some research as I am going self employed soon. Wanted to know if it is possible to qualify for shared ownership if self employed and whereas employed usually requires 6 months income credit etc would the same apply to self employed what should be considered and what do I need to look into. I am planning…
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Expensive contract fee
I've just received my tenancy agreement from my letting agent and the contract fee is £265 +VAT (the price of one weeks rent minus the vat) I'm a landlord also and haven't seen a contract fee greater than £200 from other agents and is always shared betwen LL and tenant. Can I enquire/argue a case for this before signing?…
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Help - problems selling house, what to do? Long post sorry
We currently own a 2 bed terrace, built approx 1890's, has been on the market since the end of November. Before selling we redecorated the whole house, re did the garden (laid a lawn, new patio & fencing etc) and kitchen is only 2 years old. We are not having any problems getting people in, have sold the house 3 times,…
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Paying of credit card a couple of days before mortgage
I have 3 creditcards, one with 0 balance, one with 200 balance and a 0% one with £900 balance. I've paid off the one with 200 now. Will it make a difference to my application if I pay off the credit card a couple of days before I apply for the Mortgage. Will the lenders know that I've paid it off? The reason I ask is…
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Question regarding letter from Estate Agents
My parents have recently put their house on the market, to which an offer has been made. A letter came through from the estate agents which reads; "I am delighted to confirm the sale of the above property to Mr xxxx & Miss xxxx for £xxx subject to contract. It is at this stage that we consider the property to be under…
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solar panel lease contract issues
Hi. Am close to buying a property which has solar panels on roof. I don't understand some clauses in the lease (which would be between me and Solar Sun 6 Limited, linked with Paul O'Brien Solar Installations). I do understand the basic principle that I'd benefit from reduced electricity bills (in theory...), the company…
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Letting agents asking how much we earn
I am looking for a new flat to rent in North East London and there seems to be a common thing with the letting agents in that area whereby they insist on asking how much me and my partner earn and what we do for a living, before even talking to us aout the property we are are enquiring about. One guy said that there are…
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Seperation and property bought after
Just a quick question and I'm based in NI if that helps. I have been separated for 2 years now from my husband after a marriage which lasted just over 2. There have been no legal documents drawn up and to be honest we are leading separate live in separate towns. We do have a 3 yr old daughter whom he sees occasionally but…
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Upmystreet.com
Quick question. Havent looked at it in a long while but used to like this website for giving an idea of what an area is like. Now just takes me to zoopla ( i guess they have bought them). Is there another site like the old upmystreet which gives idea of neighbours, demographics etc, or is it on zoopla and i just cant find…
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New joint morgage but its 'my' equity
Advice please! I moved in with my Husband who has mortgage. I had a part time job and we decided it would be best that I study at Uni for a better future. Now Im qualified My husband wants to move house. I have no savings from being a student and he says he wants the solicitor to take into account 'his equity' before we…
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"priority buyer" is this not wrong?
Hi We have sold our house without a chain below us luckily and we have a written agreement in principle from our lender, we haven't found anywhere yet and need to get a move on doing all the usual etc to find something but market a bit slow on stock in our area a big local agent called us Monday whilst we in france to say…
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We've exchanged! At last!
I know it doesn't seem bad at all, offer accepted 15th March to exchange 6th June to completion 5th July but it felt like an eternity! Thanks to all posters who replied to my cries for help at times, I took all your advice on board and, in fact, probably wouldn't have a completion date now if it wasn't for that advise, so…
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ID - no utility bills
Hey Our solicitor is asking for photo and paper ID. It asks for a utility bill no older than 3 months. Got a few questions. 1) can you print off e-statements? 2) My partner doesnt pay any utility bills, what could she use instead? Thanks
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Is this acceptable, tenants left flat
Tenants left flat like this: Should I expect this sort of thing or should people clean before they leave?
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Friend living with me - am I a landlord?
I've struggled to find information about this so far. I'm looking to buy a two bed house in London (FTB). I'm hoping to pay for the majority of the property up front, and get a 60k or less mortgage for the remainder. I will be paying the mortgage myself from my own salary. I was then hoping to live in the house, but rent…
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Re: Vendor pulled out.. now looking again.
hello there, It has been bad news for us. We had an offer accepted but the sellers pulled out because the property they were interested were bought. We were so upset because they (and their EA) told us after our viewing that they are not part of chain. What makes us even angrier is that we paid the survey fee.:mad: Is it…
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Buying a house 50/50 with parents
Hi, I wonder if I might canvas some thoughts. My parents own a house with no mortgage. They are looking to sell and move. Are there any Inheritance Tax or Capital Gains Tax implications if my parents and I go 50/50 on a cash purchase of their next house. They get to free up some capital from the sale of their house as they…
