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The housing market
My boyfriend and I live together but would like to eventually buy a house. We have a nice size deposit and personally I would like to start looking to buy as soon as possible, but he wants to wait. I am concerned if we wait too long we will end up paying a lot more for a house then we would do now. I have read news…
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Structural issues? huge project?
Hi I'm new to this forum, hope some experienced property buyers may be able to give some insight. I'm looking to buy a house mortgage free, but as such my budget is pretty low. I'm ready to risk investing in a property needing work if that means I can do it debt free. I've come across a place with a very low asking price…
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Gazundering!!!!
Well as the title of my thread suggests I am being Gazundered by my first timebuyers. They have picked out a number of very minor issues off their home buyer report (done back at the beginning of October) just before we are due to exchange and said they wish to re-negotiate. Well as I'm in no chain there will be no…
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How to provide enforcable costs for repir and clean
My Tenant has left, ( 1 month into thier 3 month notice period). The tenant owes two months rent, has left the house in disrepair and not cleaned. Also has notified all services that I am now liable for costs despite being in contract for two more months. I wish to submit a claim to the Deposit protection scheme , ( and…
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Advice - First time buyer
Hi all I am seeking a little advice as I begin to plan my step onto the property ladder. Firstly I was looking at the government 5% schemes however after doing some research it appears I do not qualify for the scheme. Also, with recent news reports who knows what changes will be made to the availability of these schemes. I…
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Dampcoursing help!
Hi. Myself and my partner are buying our first home, we have had the mortgage offer and we have the deposit etc, have a conveyancer, and have found a house we love, our offer was accepted and the owners are keen to move to suit us, and have given the notice on our rental house. All ticking along nicely. Today we have had…
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Days of Guzzumping back. How to deal with it?
We have been guzzumped on the property we offered for.Offer was accepted and after a few weeks seller turns around and says he now wants a higher amount. Should we even bother to think in that direction or tell him to stick it. How does the Mortgage and valuation process work in such cases? As the Bank valued it at the…
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How long do searches take?
We are in London, and our solicitor ordered searches today. How long should all the searches (Council, Water etc) take approximately? I'd be interested to know the time others had to wait for all the searches to come back. We are keen to exchange as soon as possible having been gazumped twice in the last 6 months...
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Weekday Lodger Agreement
Hello Does anyone have or can tell me where I can find a Weekday Lodger Agreement template please? Have searched online but can only find standard lodger agreements. Thanks
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Tenants leaving without notice
I have just found out that my tenants are leaving the rented flat today without giving me any notice. The tenancy agreement was signed on the 14th of the month and they have to give me 1 months notice from that date. As they are still legally the tenants, what exactly are my options? They have left the place in a right…
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Home buyers survey through lender or independant?
Hi, if I upgrade my survey to a home buyers with the lender, it works out cheaper than getting my own separately but is there any reason getting it done separately would be the better option??
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Legal question
Question, which I'm fairly sure I know the answer to. If I were to move into my girlfriends rented home. But did not choose to be named on the tenancy, for various reasons. What is her legal obligation? I'm aware that certain consent to let ( not applicable here ) requires the ll to inform them if occupies, similarly some…
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To Sell or Let?
Hi I am in a bit of a dilemma and would be grateful of any advise. I currently stay in a flat in Scotland where have I had a mortgage for five years. I paid £72k for it and would be lucky if I got £60k for it in todays market. I have had numerous issues with neighbours, who have gone but I now realise that a flat isn't for…
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First time buyer - one off costs
Hi All, First time buyer wanting to make sure I've got my budget right. Below is what I think could be all the potential one-off costs of buying and living. Could people have a look at it and suggest if either the costs seem about right or if I've missed out any costs. I'd rather over estimate for now - e.g. the house I'm…
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Flatmate not paying rent...
Hi! I currently live in a 2 bedroom flat, and have a joint (equal) tenancy with my "best friend" on a 12 month lease, due to end in May. My flatmate has not been there for a couple of months, and I have barely spoken to her as her work have moved her to an office in a different city temporarily. She is getting her…
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Easy mover experiences - Taylor Wimpey
Hello, Taylor wimpey offered thier easy mover scheme as part exchange wasn't possible. As part of scheme every offer on house has to be discussed with TW before accept/reject and they manage the estate agent and then the chain. House initially on market at £99,995, TW sent another estate agent round and then asked to…
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Am I entitled to my rent back?
I moved out of my old flat one month ago, new tenants moved in and their contract started 1st December (they had to pay 1 month in advance rent and a bond which is one months rent) by mistake I forgot to delete the standing order so my rent came out on the 2nd December!!! I am entitled to this back aren't I? It's 300 and I…
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Equity release? Offset mortgage and FTB complicated to say the least!
Rightio, Long story short; Mum and Uncle own the property, my and OH want to uncle out for 42-45k House is worth 95-100. OH on the mortgage (as it's his family) and his mum We have no cash deposit wanting to use the equity in the house, so his mum is willing to use her half as the deposit I suppose! OH last 3 Credit card…
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Purchasing a Chain free that is not chain free
Hello, Me and my partner went to view a house that was advertised as chain free and even under a promotional weekend for chain free properties. We made an offer at the full asking price which of course was accepted. We are now in to the 8th week since the offer and have today been told that it was not chain free. Now the…
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capital gains tax issue
Hi, I am wondering if someone can help with my question. My family and I lived in Germany and while there we bought and lived in an apartment, we lived there for 5 years. Suddenly we had to move back to UK in August this year and would like to sell the apartment in Germany to buy one in UK. We only own 1 apartment, the…
