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Finally Exchanged. Moving tomo!
Well it's been a ridiculously long road but finally exchanged today and completing tomorrow!!!!! :j :beer: Can honestly say this has been the most stressful year of my life - put house on market in January, sold, house undervalued, buyer pulled out just before exchange, lost the house we were buying - devastated! Back on…
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changing from monthly to pre paid metres?
Hi all, I am set to complete on Friday, I was wondering how long after moving in I can switch to having pre paid meters installed? I have heard that you have to stick with existing company for a month before doing any changes, is this correct? many thanks
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Electric Meter Cost Reduced?
Hello Guys, So my friend asked me to post on here regarding their Electric meter. They have been using it at their flat since moving in during September, and usually spent around £1 a day off the meter. However, after some problems with it removing credit and having called to get it fixed, they now have what we have called…
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Right to Buy - Northwest
If my uncle and aunt want to buy their home but neither of them work and live on benefits - can they do it? If someone outside of their family wanted to help them out with the repayments, can they do it? I understand there may be a rule stating the person or family member helping out should be able to prove that he has…
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I ubwittingly bought the House of Horrors
Is there anything I can do? I bought a terraced house and the valuation survey came back with roof work that was fixed by the seller. Everything else seemed OK so I went ahead with the purchase. Omce the kitchen came out and the floorboards came up, it became apparent that a lot of remedial work has been done on the house…
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Debt or no debt?
This could go one way or the other. I don't like debt, and to me a mortgage is still a debt. However, there appears to be no alternative where property is concerned-you either have a mortgage and pay interest to the bank, or you rent and pay somebody elses mortgage! I am sitting on a property right now, with a decision to…
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Credit check
I am planning to go through the mortgage application process very soon. Is it worth investigating your own credit rating using tools like this: http://www.annualcreditreport.co.uk/?gclid=CNDzxOmrl7sCFQMHwwodEjkAJw. If the answer is yes, then can anyone recommend a provider? I have a very good credit history but I would…
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Vendor pushing for an early exchange
Hi, the vendor is pushing for a completion date within 6 weeks from the offer. I simply don't get what's his comeback is. No onward chain. The price he's getting is way above his asking price. Put the property back on the market and complete some 3-4 months later instead of a week later? I just don't get this behaviour.…
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Houses for sale and rent...grrrrr
I am looking at rental houses at the moment for a long tem let and I'm very annoyed that when I see something I like it is often also for sale. Why is this? If I rent it will I need to have people round to view or will they take it off the market once it's let? More confused than a rant :mad: :wall:
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Port mortgage application
Say I go through the mortgage application process and pay the £995 fee. Say the sale falls through for whatever reason e.g. survey etc. Am I able to port the mortgage to another property if: 1) They have the same agreed price 2) They have different agreed prices Also will I get the same interest rate? e.g. say I go through…
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Help needed with possible move to Lincoln area.
My wife & myself may need to move, in 2014, to be nearer family for more support as we are not getting younger. It will be a case of renting a home at a budget of no more than £600 & we are looking for general help. So anybody that knows Lincoln & its suburbs & surround villages may be able to give me some advice. Is…
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Cost of clearing council rented property
My dad has been assessed as needing full time residential care as he can't look after or feed himself properly and has early onset dementia. I live 3 hours drive away and have managed to get him into a residential care home nearer me. My dad is in debt with his rent due to my g*t of a half brother taking advantage of my…
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Buying our first home
Me and my boyfriend would like to buy a home. My dad rents his old home out and has offered it to us for £100,000. We earn £14,000 a year each at the moment and pay £500 a month rent so we are finding it hard to save. Could we get a 95% mortgage? I dont have a clue were to start so any advice would be great Thanks
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Tenancy/Deposit worries
Having a few concerns about deposits and the contracts in rented flat. Long story impending... In October 2012 (17th) my girlfriend and her friend moved in to a rented flat via a letting agency. Full deposit was paid of £1523.08 by the friend and both girls signed a contract for 12 months and the landlord counter signed.…
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Gazzumping and some shady stuff.... is this normal?
I've been looking to get a place for the past month or so and found somewhere we thought was great :j After a bit of haggling with a couple of conditions we eventually went up to the asking price on the condition that they take back the keys from the agents to stop further viewing and had the offer accepted. We were a bit…
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Professional carpet clean - lifted carpets
Our tenancy ends shortly and we have had the carpets professionally cleaned as per the tenancy agreement. Went round to the property today and the cleaning process has moved the carpets away from the walls in places so it appears the carpet has shrunk. In one other place the carpet has moved away from the threshold leaving…
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FTB - What Insurance do I Need?
Hi All, I've recently exchanged contracts on my first house (:j) and would like to get some insurance to stop it ever having to be repossessed. However there appears to be tons of different types of insurance and I'm a little confused about which particular ones might apply to me: * Mortgage Life Assurance? * Mortgage PPI?…
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Quick advice please!!!
Hi all, The saga with buying a house continues! I was hoping to exchange today, just needed the mortgage offer from Santander to be sent to my solicitor. Firstly, I was told that this was sent yesterday at 3pm and would take up to 3 hours. This finally arrived at around 3.30pm today, which is annoying in itself, but my…
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Moving out of rented house need help
We are moving out of a rented house in 6 weeks that we have lived in for nearly 4 years and i want to know what will happen if we dont get an professional end of tenancy clean done as we know that we wont get our deposit back. We don't mind not getting our deposit back as we need to replace two carpets and a sink that was…
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Is the arrangement fee for BTL mortgage tax deducatable?
As per title please? Obviously interest paid on mortgage is tax deductable, but what about the arrangement fee? Thanks guys?
