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is there anything we can do
My husband and I are buying a house together. Husband is a FTB whereas I have a house to sell which I bought before we were married. My husband is not named on th mortgage. After a few meetings with an independent mortgage advisor we were told she had checked with her supervisor and as one of us was a FTB we were eligible…
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Nationwide declined agreement in principle? :(
Filled out nationwides mortgage calculator, told we could borrow up to £94,000. Fine and dandy with us. Then went on to fill in the online agreement in principle form, using that info, 10k deposit. Then told 'computer says no' ? What could have triggered this? Our situation: Its a single application, I'm a SAHM. Husband…
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leaehold or freehold?
hi wondering if anyone has any advice, we have started again to look at some properties, there is one that we have an appointment for on thursday. i was doing a bit of a background check on what the house has sold for in the past and i notice that in the older adverts that i managed to get through from zoopla in 2001 they…
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What to do if the landlord does not reply to a request for extension of tenancy?
Hiya, My sister's landlord has sold his property (where my sister is living) and has sent her a letter asking her to move out in 2 months (she had a AST which was expired a few months ago, but neither the landlord or she has it renewed, so the 2-month notice seems reasonable). However, she cannot move out at the designated…
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advice needed please!
If we borrow £5k off a grandparent towards our deposit and they want it paying back, what difference does this make to the solicitor? obviously we have to show her our bank statements and how we accrued the money for the deposit (stupid anti money laundering law) and there is this big £5k deposited in there with no other…
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Insurance - standard buildings only v landlords
Hi, I was just wondering what the difference is between Landlord's insurance (that I keep seeing mentioned on here) and calling my own insurers to inform them that the property will be let & converting to a buildings only policy? I am letting my property whilst I live overseas - I have done this before but at a different…
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Charge on property further up the chain
We purchased a property back in March and the sellers decided they would downsize to a 2 bedroom apartment with no chain - it seemed a relatively simple transaction, we were going to rent out our property out so it was a hopefully straightforward 2 chain situation. Fast forward to today and what was hopefully the week of…
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Bank of Mum and Dad
This seems to be the only way to buy a house. I am 25 and have a reasonable job with steady pay which Itry to save as much as possible towards a deposit for a first house with mygirlfriend. We currently live just outside London on the tube line so our rent fora one bed flat we have is £950 per month (Nothing cheaper for…
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Recouping rent arrears from a sub let
So, here's my situation. In short, I've tried to be a nice guy but have been taken for a mug. I rent a flat from a friend. He's a great guy, and we agreed on a handshake that I would pay £275 a month rent (very, very reasonable) and if I was to get a flatmate for the second bedroom, the rent would increase to £375 (which,…
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Suing the vendor for non-disclosure of upcoming bills.. Possible?
Hello forumers, Hopefully some of you can help with a question. I was wondering if any of you have ever successfully sued the previous owners of your property for not letting you know of any upcoming bills that may be planned by the Landlord. If a bill had been posted to the vendor just before completion and they hadnt…
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Admin Fees Help!
Hi me & my fiance have been living in our private rented house now for 2 years. We rent through a letting company & when we first moved into the property they owned it but last month we received a letter saying that the property had been sold. The letter gave us details of the new landlord and said we didnt need to…
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Structural problems with house - first time buyer, please advise
Hi, We finally found ahouse we like and all was going smoothly until today when we received valuationreport which states there are structural problems with property. Also propertyis in area with flood risk. Is it worth buying thehouse? We are first time buyers and now worried what future may hold if we goahead with this…
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Come on Nationwide, you are going to give me grey hairs!
Did full application through a broker, after a week we had a text/email to say "congrats mortgage offer is on its way to you"...then nothing! Waited a week for it to arrive and then poked the broker and he said he would call them up and chase it (last thurs)...still nothing! Does it usually take this long? Will the…
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Found a house, now what?
Me and DH are first time buyers and are very new to everything. We have a deposit sorted and have also been to the bank and got a mortgage promise (i think thats what its called). We have been viewing houses for a few weeks and found a few we like. Whats the next step, i know we need to put an offer in on the house but who…
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Minimising a Loss on Sale of House
I don't know if there is an estate agent to answer this question, but we are thinking about moving house again for the last time whilst being retired. We lost quite a lot of money on our last house 2 yrs ago and it appears from the estate agent who sold us our present property that they now say (18 months later) that we…
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End of tenancy clean - Rip off ! What to do?
Hi guys, This is my first post here. Similar questions might have been asked before but I am hoping to get a more tailored responses to my situation. I was required to do a professional cleaning service for the flat I left recently. I hired a local professional cleaner to do the job. This is the first time I hired a…
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Selling a part own house in disrepair
Hello Folks, This is going to be long - sorry. Back in the sunny days of 1991 my dad bought a 25% share of a home with my mother, 75% is owned by a housing association. The mortgage is an endowment type and is near to expiry (2 years) and as far as my dad is aware, will fall short. 2 years after purchasing the property my…
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Are we doing the right thing? Re tarting up house
Hello all, Just looking for some advice really. We have never sold a house before. The house (bungalow) we currently own is our first and was purchased with no onward chain in 2007. It had been completely empty for 12 months, was in a terrible state cosmetically and needed a lot of updating. Over the years, on a very tight…
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Moving overseas
Hi, I'll be moving overseas in the next couple of weeks, luckily for me all my stuff is being shipped by my company. However my girlfriend will be joining me in a couple of months, can anybody recommend a decent overseas shipping company? Thanks
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House to sell: renovate or sell as-is?
My parents have recently ended their marriage and intend on divorcing soon. They have joint debt of roughly £40,000 and a remaining balance of £70,000 on their mortgage, they need to clear this debt prior to divorcing. At present my father is living in the house and my mother and siblings are living in my house, this is…
