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Homebuyers Survey
Hi I have had a Homebuyers survey done on a property that I am buying. It has come back with a few things that is says are risks. 1) Repoint the Chimney stack 2) Roof Coverings- Replace slipped tiles take up and repoint ridge tiles 3) Other Joinery-Poor external decoration 4) Fireplace,Chimney Breasts, etc-Unvented and…
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HSBC Premiere morgtage rates for family
Hello All, My Wife's Parents have a premiere account with HSBC and as such any of my Wifes Parents Children get preferential mortgage with HSBC. Unfortunatley we can not find any info except that they have good rates. Could anyone please pass on some of their thoughts as to what rates are available and if you've had good…
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warm air heating
Pros and cons ? I know the flue on warm air outlets are usually made of asbestos etc , what else should i look out for , and is it a deal breaker? My bro is a gas engineer so i could get it swopped out one way or other but it`s all about cost....
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Purchase Process
Hi all FTB here, just looking for some guidance on what to expect over the next few weeks. To date, we have had: - Offer accepted on house - 17/05/13 (No Upper Chain) - Solicitors appointed and up front fees paid - 28/05/13 - Appointment with Nationwide, mortgage agreed (save to buy) and product fee paid - 28/05/13 -…
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What would you do?
We saw a house that just literally gone onto the market and have our first and 2nd viewing in consecutive days. The vendor is asking for OIEO £160k and we offered at that but was rejected. The house is nicely done with new kitchen and extension to include a downstairs loo/shower and an extra good size single. My issue with…
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Names in title deeds and land registry
I'm almost complete with the purchase of my house. My partner will eventually be living with me and as far as I am concerned its as much his as it is mine, I don't want to go down the route of who paid what and deposits etc. The purchase is solely in my name. If I do a will stipulating in the event of my death it goes 100%…
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Mainstay - good or bad ?
Am choosing new managing agents and am being steered towards Mainstay - anyone got anything good or bad to say about them ? Am not so interested in their people on the ground, as these can come and go, am more interested in their ability to deliver good customer service, be transparent and excellent management.
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Offer advice
Hi all, In the process of battling out offers. House is on at £164.950, offered £155k and its been rejected. Vendors looking for around £160k but there is some flexibility in that so I've gone back in at £158k Now, I'd be super happy at £158k and still happy paying £160k but I wanted some opinions... If I ended up offering…
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Urgent, at risk of being homeless, please help!
Hi I've been privately renting my flat for 7 years. Last year I was hospitalised for mental health reasons for 3 months. During this time I did not pay any rent at all and had no income at all (I am self employed). I managed to get out of hospital although I am still not in very good shape. I am now paying my rent again.…
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Recently graduated 18 year old apprentice looking for help in renting a flat.
Hi, I'm currently looking to start renting my own flat/apartment within the next 6 months, but I've got no idea what I'm doing! I've had a look around various estate agents and third party sites to get an idea of price and get a estimate up of a budget. So my first question would be, are there any tips and tricks to get a…
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3rd offer rejected at 10k below asking price - pleaseadvise
Hello all, Saw a house that ticks all of our boxes except that the front door is a bit close to the street side walk; house appears reasonably priced at 335k relative to other houses with same size and layout in the area (houses in nearby streets at £349,995k, £349,500, and £365k...the £349,500 is sstc already...Now there…
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Changing mortgage to buy to let
Hi, I can seem to find an answer to this and hope someone can help! I have two properties. One is my personal home and the other is a BTL property that I rent out. I want to move do a different area and therefore want to change my personal home mortgage to a BTL mortgage. What I need to know is if I change this then do I…
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Offer Accepted, when do I need the deposit and other costs?
Myself and my partner are buying my partners parents house for £125,000. She spoke to her bank in February and they seemed confident they would be able to lend her 90% of the money, but no formal offer was made (not that it means much) We are hoping to move in November. So, we need £12,500 for the deposit, and I've…
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Converting 2 flats into house - STAMP DUTY?
Hello! I have two flats - a 2 floor maisonette (got a residential mortgage on that) and a 1 bed garden flat (got a BTL on that) Converting into a house due to imminent arrival of baby.. They are both leasehold (but have permission to convert, and ability to buy freehold if needed) Current provider of residential mortage is…
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What makes a property feel creepy?
Viewed an empty bungalow yesterday, fantastic rural location, property needs updating but lots of potential with a wonderful garden. Had a good look round then DH went off to look at the kitchen. Was discussing the property with the EA and at the same time we turned round and said to each other 'its creepy'! Now I don't…
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URGENT Tenancy end date
Hi, We moved into rented house on 19th april. Lived here for just over 2 years. Full rent £725 pcm When we signed on 19th we paid £280 (something) to take the pay period to 1st of May. We then pay every 1st of the month. We are now looking at moving and wonder what is the notice date. Main application says notice to be…
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Please help me, I am rather naive where this is concerned.
Ok. 1.A few weeks ago we viewed a place and liked it. 2. The agent mentioned us talking to their mortgage broker type person which was no charge obviously. 3. Hubby agreed and had a visit. Came away with a couple of costings on a sheet and after chatting said that basically Nationwide was offering a decent rate. Said that…
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Flat in block without factor fee/buildings insurance?
I'm looking to purchase a flat in a block of flats. All the flats I've viewed so far have a factor fee which includes buildings insurance and I presume this covers common areas. Last night I viewed a flat I really like, however there's no factor fee or shared buildings insurance. They said when roofwork needed done…
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Want to let my property without Consent to Let?
Hi everyone, I'm hoping someone can help me! I purchased my property in 2007 at the height of the property boom, and now want to move. I am currently on my mortgage lenders variable rate, as our fixed term has now finished. We have had it on the market now for 18 months, at a price 10% lower than the price we paid, and…
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Storage help please!!
Hi All, I am hoping one of you lovely people will be able to help me with a few issues I am having with my storage company. Myself and my husband have moved quite a few times between Northern Ireland and England and always used the same removals/storage company. The first time we lost a whole box of shoes (mine and I was…
