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Thank you
Just wanted to say THANK YOU to all the helpful people on here - we completed on friday :j I'm sure I'll be sticking around though, it's a bit addictive reading about everyone else's buying/selling..! :D
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Subsidence Claim
Hi, Just wondering if anyone knows about subsidence claims. My house has started showing signs of subsidence recently (cracks in the outer brickwork 3-4mm below a window), and i suspect it might have been going on very slowly for some time. However im a little worried because i had a period about 3 months ago where i wasnt…
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Same deal: developer pay stamp duty or lower purchase price and we pay it?
Final money out will be the same.... £550k asking price, negotiated to.... £530k and they pay 4% stamp duty or £490k and we pay 3% stamp duty.... Final price only has a fraction in it. Thinking in terms of resale, does it look better to future buyers on land registry that we paid 530 rather than 490 so they feel they're…
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Buying flat - hopeful exchange this week... problems
Hello, Myself & my partner are buying a leasehold flat (this has been going on for a while) Neither ourselves, or the vendor are in a chain but it seems to have taken a while longer than anticipated due to the vendor holding things up for a while. We should be (finally) exchanging and completing this week & next- HOWEVER -…
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LL is bringing a surveyor round
What does this mean for us? Is he looking to sell or maybe just get an idea of the price? We can't afford to move and weren't planning on doing so till sometime next year when we moved to the South Coast
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New build buyer- how to get incentives thrown in?
Hiya, myself and my fianc!e are buying a new build home using the governments MI new home scheme where you only need 5% deposit. The home builder has thrown in a free upgrade for integrated kitchen which we are really pleased about however we know people who have had carpets or turf thrown in along with this etc. we are…
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Flat rental - when is self assessment due?
Any advice gratefully received. I got a BTL mortgage on my flat and rented it out from August 2012. Am I right in thinking I need to file an online tax return in January 2013? I haven't told HMRC that I am renting the flat out - am I late in doing this? From my initial sums, it looks like I have an annual profit of £2,585…
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Ground rent / Service charge
Please forgive me for posting here. I looked through the forum headings but wasn't sure where to actually post this. COUNTRYWIDE PROPERTY MANAGEMENT have me over a barrell. I'm a Landlady of a flat and pay the GR/SC every month. Countrywide added a random fee charge to my account. I've phoned to find out what it is & why…
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How to get rid of illegal parkers in communal areas of flats?
I can't believe this is happening again as it has occurred too me more than once before. Basically there is about 50 flats with named parking spaces for each & in addition visitor parking with a "Private No Parking" sign on each. The visitor parking is not for flats to have a second space, if they have two cars, but for…
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Considering voluntary repossession
Hi guys, sorry if this is the wrong forum. I have a problem. I am a homeowner, well I've got a mortgage. I am desperate to get out of my house but feel trapped. My wife and i have been subject to vandalism and local youths terrorising us. We are at our witzend and feel we can't go on any more in that house or we will both…
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I need advice pls! Putting offer in tomorrow...
Hiya, We have decided to put an offer in for a house tomorrow morning. The estate agent is advertised on the internet as opening 9am-5pm. However, I have gone to see them on a Monday morning around 9.30am twice recently and they weren't open. No signs when they were going to open. Bit annoying but can't do anything about…
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Should I be wary of buying a very cheap repossessed flat?
I am wanting to purchase a buy-to-let property and have already researched the idea a bit. I have now been to visit a flat which is part of a terraced house conversion (1st and top floor). The flat is already cheap but has just been reduced by a further £5000 as it has had no offers in the 6 weeks it has been on the…
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Estate Agent Misselling
Hi All, I am after a little advice if anyone can help... I recently decided to put my house up for sale with an estate agent (who will remain nameless for now) Doing so an agent came around to my house with whom I negotiated a fee etc. He also talked me through their marketing proposal and told me if I went with their…
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Subletting
Dear MSE forum, I am new to this website, so please be gentle :) I have recently graduated and having difficulties finding a job. So I had an idea of renting a house and sub letting all the rooms to students to help me pay my bills. So this is what I am thinking of doing: I will find a large house that I can afford to…
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Best site to find a smallholding?
Mainly use rightmove but it does not list farms/smallholdings, only land and commercial property. What sites are good to use to find smallholdings?
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how strict are rental credit checks?
Hi, Me and my husband have decided to separate. We are currently selling our house (hopefully exchange in a few weeks) and then we will each rent a house. My credit file has 4 defaults (all will have dropped off by Feb next year so all are 5 years old). Bank account and mortgage all up to date. Just wondering how I will…
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Views on ground rent of £300 pa doubling every 10 years
I was wondering if anyone else can give me their views on this please. I don't think it is acceptable, and may cause problems on reselling or mortgaging. Property is a conversion and the total building comprises of 3 flats on new 125 year leases. The ground rent is £300 per annum, but doubles every 10 years. It is a…
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checklist when moving house
We should be exchanging this week so the confirmed date for completion should be given to us. Has anyone got a checklist of things that need changing etc? Also may sound silly but the house we are moving to has separate gas and electricity companies. Can I stick with my existing company for fuel or do I have to stick with…
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Lender conveyancing panels
Hi all, I'm in the process of buying a flat, and I'm having massive problems with the solicitor I had to use because of my lender panel requirement. There's no chain - I'm a first time buyer, and the seller doesn't live in the flat, and its not leased at the moment. We're both keen to move quickly. I've already got my…
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Buying my neighbors garage
Hello, I have agreed a price with my neighbor to buy their garage of them. Can we alter the deeds to our houses ourselves or do we need solicitors? Is there a form somewhere online we can fill in a send to the land registry? Thanks Dave
