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Staircasing or Move House?
Hi all. I current own (with mortgage) 50% of a shared ownership house. I paid £62,000 for the 50% share and mortgage is at 90% LTV. My current fixed deal ends in July 2014. By the time my fixed deal ends, I will have approx £50,000 saved up and I'm struggling to decide whether to: a) Use the £50,000 to help me (and my…
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Contacting vendor a good idea?/few FTB questions
Had an offer (full asking price) accepted on the 3rd Dec. We're FTB and having a bit of back and forth between our broker and the mortgage lender - or at least we've had to send out some additional documents - I don't know if this is par for the course or what so trying not to panic too much. EA said they would stop…
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Mortgage advice needed
Looking to buy our first house after years of renting. Have been left a sizeable sum which we intend to use as a deposit. The house we are looking at is £245k and we have £205k to put down leaving a £40k mortgage. We earn jointly, £40k. We would like to pay over a period of 10 years to give a good sum to live on, Ideally…
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Best bank account for saving for a house deposit?
Hello. Apologies if there is already a thread like this - I Searched and couldn't find one. I was just wondering if anyone had any advice about what bank/type of account would be best to put money in for a house deposit? Currently just using a bog standard savings account, but I want to ensure we are getting the best deal…
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Survey
What exactly will the surveyor look at for a mortgage valuation and condition report? I've been told it will take between an hour to an hour and a half.
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Shared Ownership - Advice please
Hi, My application with a housing association has been accepted for a Shared Ownership property. Now we're looking for mortgages. As my husband has a horrendous credit history, I'm looking fro a mortgage on my own. My parents are paying off all my debts, and can give us a desposit up to 15%. The issue we seem to be having…
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DAS and these credit checks
Hello Everybody! Were currently living in Scotland however I've have applied for some promotions down south in B'Ham & Southampton. I'm currently in a DAS (Debt Arrangement Scheme - Scotland) and was wondering if these credit checks most agencies do will have any impact on us getting a home? Any advise from anybody would…
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Is having an 'open house' the best way to sell?
I'm going to be selling my property in Cardiff in the New Year and purchase in London and I'm interested in what the benefits or cons are of having an open house. I have lodgers at the moment so thinking that arranging with them a specific day when they wont be there and having an open house might be good rather than…
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How multi-branch EAs operate?
Some of the larger EAs like Haart, Taylor etc. have multiple branches in my town. Funny thing is that, it seems one branch operates independently from another because I have to register with each of them separately and I need to call specific branch to speak about a specific property :mad: Are they all same EAs or just…
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Do you need an estate agent?
Hi everyone, I've just set up this little quiz to see if in this day and age we really NEED an estate agent to sell our house? The fees charged by some are 5% which can add up to a lot of money. It's just market research, no personal details are taken, and I will be posting the results on my blog. I would be very…
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Has Selling a House got Easier Over the Past Few Months
I see all these articles in the press that house prices are going up and transactions are increasing so I wanted to ask the people at the coal face i.e those selling houses has it got easier to sell over the past 6 months or so?
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We completed!
We finally completed yesterday, moving in next week. Over the moon! :T I am heavily pregnant and looking forward to "nest" in my own home and decorate the nursery. :j
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Can anyone recomend good online conveyancer
:o Hi can anyone recommend a good on line conveyance or a local one that is in Crosby area of Liverpool? cheers
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Debt collectors looking for someone who lived in my flat before me?
(sorry admin if this is in the wrong section, please feel free to move to where you feel appropriate) Hi me and my boyfriend have lived in our flat for nearly 3 years and when we first moved (we rent from council) in we used to get a lot of mail that was intended for the last owner. Well yesterday, I opened the mail and…
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Selling rental property - advantages for moving?
So it looks like, only about two years late due to variousjob turbulence, we will be moving house in 2014. We will be selling two properties; my former home, that’sbeen rented out for the last seven years, and our current flat. The plan is toput on my old house first and get that sale through or nearly completed beforewe…
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For Sale Board in window
My housing association will only give me permission to put a "For Sale" board in the window of my flat. Personally I think that's going to look a little tacky. Do you think I should or just not bother with it at all? The flat will be appearing on Zoopla and Rightmove and there is a very distinctive red vase in window, so…
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Council tax rebte-landlords perspective
Our tenants have just left the property. tenancy agreement ends mid dec, but went on 30 nov albeit paid up until mid dec so no rent issues. they also accepted were responsible for council tax until end of tenancy. all ok so far that is until local council stepped in. tenants notified council had physically left property on…
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What to include in house sale
All, First time seller, after some advice. Just put our house on the market, and wondered what, if any furnishings, electric appliances are assumed to be included? We have:-* Made to measure blinds (£2,000 new) * Integrated dishwasher * Integrated washing machine * Integrated fridge freezer * Fitted wardrobes (that we…
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Another 'landlord claiming unfairly from my deposit' thread
Two months ago my partner and I moved out of the property we were renting and returned the keys. We had a week's overlap on completing on our new home and the end of our tenancy so we moved out and spent every evening after work scrubbing the flat clean. We returned our keys to the letting agent as asked and awaited news…
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Buying a council home but not the tenant - query!
My father in law (now retired) has rented his council home in London for the past 30 years. The council is soon to put up the rent to a level that will not be sustainable for them to remain there. They have been offered the chance to purchase the property for a very reasonable sum (half the market rate). I am currently…
