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Notifying bank of exchange
We have just exchanged contracts on our house and were wondering whether we need to inform the bank so that they know when to free the funds for the mortgage or is this something that the solicitor should do? Thanks
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Address change or divert mail on moving
Hi, Just a bit of advice please, Hopefully looking to move in next few weeks to rented accomodation for a few months then move again into our new home when its built, my thinking is that just get mail diverted to the rented house then change address for all our contacts to our new house when or just before we move in? Just…
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Should I Buy To Let My Shared Ownership House??
Morning All, I'm trying to sell my shared ownership house. It has been on the market for 2 months below market value. Originally it was on for £77,500 but we only had 1 viewing request who then never turned up. We then reduced it to £74,999 and have had 2 viewings since. Unfortunately no offers have been made and we've not…
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Completed Friday - never thought I'd get there!!
Sitting here on day 2 of living in my new house :) A point i really didnt think I'd be at after the last few months.... Thought I'd share my experience in case it's any help (apologies for length!!!!). Old house went on the market late March, first offer early April from FTBs fell through when they couldn't get a mortgage,…
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Mortgage on affordabillity not just mutiples?
I've been looking at various mortgage for a new property & there is a HUGE difference is what all the online calculators say we can borrow (approx)....as I've recently gone part time since returning to work after maternity leave, I think our best chance of getting a decent mortgage is to use a lender who look at…
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New build
I am going to look at a new build house. It is a one off rather than part of a big development. What sort of things should I be looking out for? What regularly goes wrong/is a pain in a new build? I'd appreciate any advice!
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No drying washing in rented house?
My daughter is moving into rented accommodation (house) on wednesday. She received her tenants agreement today which states that she cannot dry her washing indoors. Is this common? There is no room for a tumble dryer and even so the cost of electricity for this would be too much. How do landlords expect tenants to dry the…
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Fixtures and fitting query!
Hi all, On the fixtures and fitting list for house purchase, it states Telephone receiver - N/A. Does this mean that there is no telephone port? Not too much of a big deal I guess, just means maybe sky will have to put one in when we move our sky stuff over? (Not sure if they charge for this?) Also I currently have a query…
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At what age did you buy your first home?
Where and how much is it?
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'Guide Prices' do these need to be believed?
Just a house I have seen with Haart, is priced £149,999-£169,999 - would the agent even pass on an offer below this? Anyone brought or sold in this experience, what is a guide price? Many Thanks :beer:
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My new EA has already let me down
I changed to a new EA because the last one never told me about the buyer's mortage. My new EA seemed pleasant and nice enough. I signed the contract, a floor plan was done, photos taken, it's up on their website and I've had some views. So why am I let down? Well, when the guy came to see me to offer his services he said…
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Getting a second property for ageing parent Advice
Hi Guys a little advice please, ill try and keep this as simple as possible. 1. My mam lives in a house (mortgage free) but will be unable to manage once she is out of hospital. 2. There is a bungalow near us of which she would be able to manage or adapt. 3 Her equity for house sale would not cover new mortgage. Question…
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First time buying
Does anyone have any experience in buying their first property with bad credit rating? I assume mine to be quite bad due to unpaid phone bills, gym fees etc a few years back. I was wondering how much deposit would be required to even be considered for a mortgage if at all? Thanks
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What to expect ???
Got a guy coming round shortly to do a mortgage valuation on the house - what should I expect and how long does it take to complete ?
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Purchase due to complete on 7th August but have had NOTHING from solicitor
Hello all We are in the fortunate position that we have sold, are staying rent and responsibility free at my parents house, waiting for our purchase to go through. We have no reason to suspect that anything might go wrong with the purchase, and that we won't complete on 7th August...but... Our offer was accepted 13th May.…
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What's the usual deal regarding closing utility accounts before getting deposit back?
Hi again guys.. So our tenancy has ended, we've moved out, the letting agent did an exit inspection and said it "passed"... they now say they just need proof that all bills are settled before they can return the (protected) deposit. As I can't contact them over the weekend, I assume this is standard practice? And that…
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Private buying - agreeing on a price
Hi all, I wrote on here a few days ago, We are going to view a property on Monday that the owner is considering selling privately to us following receiving a letter from us stating that we were looking to buy a property in the area. She has already advised us that she is looking for £135k for it. I have done my research on…
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Nationwide homebuyers survey or go elsewhere?
Hi everyone, I'm in the process of applying to Nationwide for my mortgage and wondered if you have any opinions on whether to go for their own Homebuyers survey (at £425 inc valuation fee) or to pay £225 for thei valuation and go elsewhere? Also, other people have said that the homebuyers wasn't much use and we should go…
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Opinions on my house please? No viewings..
So we bought our house in 2009 for 83k. We spent around 18k on it doing the windows, central heating etc, so we're taking a small hit on it. Its been up nearly 3 weeks with no viewings, we're using emoov to sell. Any (polite) opinions on what could be going wrong would be appreciated :) we're going to retake the living…
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Sell Empty or with Tenant
We have a flat that we need to sell to raise the cash for a deposit for a family home. It currently has a tenant. We want to do some renovations (new cheap kitchen, bathroom etc.) and then sell quickly. Should we... a) evict the tenant, dress the flat to look as good as it can, cover the mortgage ourselves for X months,…
