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FTB Can I haggle?
Hi, I am a look time watcher 1st time poster with a few questions. I am a FTB looking to buy a 2 bed room house its currently listed as £132k and is a new build, I have £16k for a deposit and the new buy scheme would give me £26.4k so I would be looking to borrows £90k which is fine. I have a mortgage in principal- How…
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Offer Accepted...NOW WHAT?!!?
FTB, offer just accepted on a property in London What now!?? Solicitors? Valuation? Survey? A bit clueless!!
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appointing further estate agents
So, our buyer has pulled out and I'm keen to get a shift on with moving. So planning to ask one or two other estate agents to join the party. See this link for our EA T&Cs, 'Terms of Agreement' seems the section - https://docs.google.com/file/d/0B_FCEApx-P8PcDZacVNPOU9rck0/edit?usp=sharing Seems to me that all I have to do…
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Rats
Morning I live in a private rented property and for the past 12months we have had problems with rodents. First we had mice then we had squirrels in the roof and now rats, lastnight I found a rat in my bedroom inches away from my bed. The landlord is aware as are the council as they have sent the pest control out 3 times…
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Companies That Do Landlord Insurance
List A: Companies That DON'T Do Landlord's Insurance Hiscox Marks and Spencer Ecclesiastical LV Insurance List B: Companies That DO Landlord Insurance And I Found Good Reviews I found good reviews online for these companies OR they were featured positively in the Which report. In some cases some of these had very mixed…
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Rental credit ref fee - non-refundable under all circumstances?
Hi all, I have a question regarding rental credit check fees. My boyfriend and I found the perfect property to rent. After viewing we arranged to meet the agent to fill out forms etc and paid the fee for credit referencing. A moving date was agreed for 2 weeks' time, everyone shook hands and we were all happy. A string of…
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Releasing funds from home mortgage.
Please can you advise if I can raise some equity(?) from my home. I want some money to buy another house. I bought my first home 2 years ago which I live in. The house price was 180k, I put down a deposit of 27k and I have since made repayments totalling 20k. Would I be able to release some money? I have tried researching…
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DEADLOCK: Can't choose between two houses. What would you do?
My boyfriend and I are FTBs and have recently had our first house purchase fall through because the valuation came in way under what we offered. The full details of that can be found here. Anyway, we looked at two Victorian era two-bed cottages today that are in the same area, and are completely stumped on which one to go…
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Chances of being allowed to modify the kerb to help with your parking?
We're looking at houses & unfortunately most of them only have a drive for 1 car. We're ideally wanting one for two cars, or a garage & drive - something to have both cars off the road basically. I can't post links as i'm new, so that's no good, but if you want i can give you the road name to search on google maps for one…
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£1300 to insure flat!
We've bought a duplex conversion in a B listed building (Scotland). There are 4 two storey apartments in the buiding and the building is managed by a factor. The buildings insurance is managed by the factor for the whole building and our share is £1300 per annum. The factor assures me that they shop around and this is the…
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I've found the deeds to my house, shouldn't the lender have those?
I brought my current house ten years ago and recently I've been looking through my house purchase legal documents and I've come to the conclusion that what I assumed were copies of my deeds are in fact the genuine article which leaves me a bit puzzled. I really don't think my lender would have accidentally issued my…
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How to answer surveyor's questions?
I need to be at my property while the buyer's surveyor comes to do the Homebuyer's Report. I'm a bit worried about him/her asking any tricky questions to try to glean information that may not be apparent otherwise. Eg. there was an insurance claim last year to repair cracks caused by neighbour's tree roots, but all repairs…
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Professional Carpet Cleaning - Tenancy Agreement
Hi there, Another tenancy agreement question, would appreciate it if someone could help. In my tenancy contract it states: 'It is COMPULSORY that at the end of each tenancy - the tenant must have the carpets professionally cleaned. If this is not carried out - then there will be a deduction from the bond for this job to be…
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Property access rights
I live in a small village where there are cotrages of all shapes and sizes. As the village has grown, cottages have been built in odd positions and all residents have strange access. To the rear of my property is a pathway leading to a number of neighbours houses. I believe that some of the walkway is private and other…
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Which is best for me Rugby, Milton Keynes or Northampton?
I need to relocate in the medium term, to get closer to family & will be renting a small two bedroomed home but which area would suit my needs? I have carried out a lot of research on the Web, looked at street view maps & lots of relevant web site but still am not sure how to shortlist down further. Unfortunately, as I am…
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Noisy Next door neighbour renting off his Grandad
Hi all, i hope someone can help as i am at the end of my tether. I live in a mid terraced house & the next door property was converted in to a hair dressers with a upstairs studio flat (sometimes in the 60's) this conversion clearly effected the insulation as i can hear everything word for word. Obviously this is next to…
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Price Per Square Foot data on Zoopla
Hi, Does anyone know how zoopla gets is price per square foot and average room size information from, and if it is actually accurate. I was comparing Weymouth to Dartmouth and noticed that when you look at various property types, it give quite different 'average sizes' for flats if you divide the average Price, by the…
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GAH! All so lastminute.com!
Tomorrow is the day I need to hand my notice in to terminate my tenancy in August rather than September, I was pushing for exchange of contracts on the house I'm buying today but one of the solicitors isn't available until tomorrow. Apparently everyone is ready to exchange, no problems, just has to be tomorrow not today.…
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Rental advice - old tenant withdrew notice
Suspect there is nothing I can do. Bit frustrating as has cost us time, money and have currently given notice on our property. Basically we viewed a property advertised by a letting agent available in august, liked the property and paid money for references. Discussed moving in date etc whilst awaiting references - all was…
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Requested and paid for full structural survey...
A document titled "Home Buyers Report" has turned up. Am I being stupid here, but aren't they two different things?!
