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A little bit of legal advice
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When do I need my deposit?
Offer accepted on a house today which is chain free, the EA gave an estimated completion date of 6 weeks. At what point will I need my full deposit? It could take me 3 weeks to get it all together, will this delay anything?
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First time buyer, needs advice. Would I get a mortgage??
Hello I live with my Mum and I'd just love my own little place now. She owns the house outright which we're living in and there is no mortgage on it. Now, here's the downside - I'm currently not working but hopefully will soon, have savings of £30k. I've saw a few repossessed houses at around £60k and would I get a…
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Sale money to vendor
Hi All Any idea how long it takes for the vendor to receive their money from the sale of their property from agreed moving in date? (Deposit and main sum)
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AST Query - Keeping address for mail / banking
Hello I have a tenant who has moved in and is eager to get her AST, There are 3 issues outstanding, because I do not have a lot of free time - I wanted a agent to do it all but she is happy to keep it private First. the AST is for 1 year but she wants 3, I said I would renew it every year, but can you do 3 year's It was my…
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Leasehold Flats - how to find out information on lease? Also class 2 listed building.
Have seen a flat that we are interested in. It is leasehold, with 999 years left on the lease. The estate agent can't tell us the terms of the lease (i.e. charges/ maintenance costs etc) as he doesn't have the info (repossession sale). I don't want to put an offer in without the full picture. Is there any way of finding…
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Furnished or Not: 10% Wear and Tear Allowance
First time landlord here and wanted to find out if my property qualifies for the 10% Wear and Tear Allowance. I'm letting fully furnished but tenant wants to bring their own beds / TV / sofa, which I've said is OK. So I'm providing: kitchen white goods, cupboards/chests of drawers in both bedrooms, bookshelves, desks,…
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Finally ......we have EXCHANGED!
So the journey is nearly over and we complete 19th July, from Selling our home in January we have finally exchanged on our new home about an hour ago. It's been a long journey of ups and downs as per my previous post https://forums.moneysavingexpert.com/discussion/4632953 but finally we got there. Thank you to everyone who…
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Mortgage Completion Date Specified on AIP
I've just had an offer accepted on a property. I had a mortgage in principle offered in March which says it is valid assuming completion takes place before August 31st 2013 Last week I spoke to my advisor who issued me the agreement and she took my valuation payment. As its now July, it sounds like its cutting it fine to…
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Potential Tenant has CCJ on credit need ADVICE
Hi landlords out there I need your advice I have a couple who would like to rent my two bed house, £600/ month. The lady's credit is fine, she earns 23k/ years. Her partner has a bad credit and has a CCJ from 2011 on his report for £13k debt, his wage is 25k/year (and is separated has two young kids) !! If it was the lady…
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Opinions please: stuck between two properties!
I'd love your thoughts as I'm stuck deciding between two London properties. I made a list of Pros & Cons for each, but they're coming up level pegging and I need to make a decision, fast! Both are top floor (2nd floor) 1-bed flats, in very similar condition and square footage. Both share the same asking price, so, assuming…
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Another rental guarantor problem
My daughter moved house a month ago, she had a lot of problems with the agents. They told her she would need a guarantor a few months before moving but when she said she couldn't find one they told her she could move in anyway as she was working full time. They also told her she would need to pay a months rent in advance…
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Freeholder / lease help
Hello Could really do with some words of advice or wisdom on the matter of ... getting freeholder persmission to change names on a lease. We are five months into a very arduous flat-buying process. We were due to exchange today, but there is a last-minute hurdle: getting the newly extended lease handed over to us. I am not…
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Renting a property with a previous CCJ
Hi all, first post. Sorry if this has been posted before, but I couldn't find another thread and need some information. OK, i acquired a CCJ in 2007 due to debt accumulated through living away from home at University (daft, i know.) This has since been settled, but i am guessing it will still have a negative impact on my…
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Tree on front lawn.
Hi, Our small front lawn connects directly with next doors between the two driveways and where I assume the boundary would be sits a tree. The tree seems much bigger now in the Summer all leafy-like and overhangs our driveway and I would like to get it cut back (or if I'm very honest removed altogether!) We did ask our…
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Stick or Twist
Hi All current situation is recently married, no kids yet household income circa £60k/annum / £3500/month 2 bed terrace house value £115k, mortgage just paid off:T No loans HPs and credit cards = £600 month (mainly on two cars needed for work purposes) Currently saving around £1k/month @ 4%ish in ISAs/regular savings…
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Neighbouring house 'overlaps' LR boundary?
Some advice please. :) A terraced house we have viewed has a conservatory at rear that almost sits on the left hand boundary. On the left hand wall (within the conserv) is a cupboard that only runs about half the depth of the conserv - the other halfish is not accessible and according to the vendor 'belongs' to the…
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Home Buyers Report HELP!!!!
Hi, This is my first thread on MSE. We are first time buyers and have just had out home buys report back. There was a number of things on it that set off alarm bells and made us wonder about the property, After looking into them on MSE it says a lot of the things are the report is back covering and not 100% accurate. I…
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Land ownership question (driveway owned by builder)
Hi all, I am looking for some help as my house is on the market and i have discovered that one of the parking spaces on my drive is owned by the builder that constructed the house back in 1995. Apparently this is a common trick by this particular builder in the area, he uses it to generate extra income as most people pay a…
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Estate agent misdescription on a rent
Moved from scotland to england last week. Decided to rent for a year to suss out area before buy. Had to organise rent from scotland but husband managed to look at property first. We paid the estate agent an admin fee of almost £400 but the landlord will be managing the property. Prior to booking removals, i phoned the…
