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Woo hoo
Contracts exchanged today with completion tomorrow. Sooooo happy that house is finally sold. *trying to ignore the £13,000 loss that we made*
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Responsibility for fence repair
Hi, don't know if anyone here can help, but here's hoping! I own a purpose built, ground floor, flat which looks out onto communal grounds. Behind, and to the side of my flat, is a small garden which is separated from the grounds by a wooden fence (not usable by, or accessible to, me). Unfortunately, this fence, which was…
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Getting on EAs priority list
Hi, I keep hearing that when looking to buy a house it's a good idea to make youself known to estate agents so when properties matching your criteria come up you are one of the first to know. I'm a FTB with an AIP so I thought today I'd go to the various local EAs and explain what I'm looking for and ask them to let me…
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New build incentive limit on mortgage?
Hi, Hope someone can help here. I have reserved a new build apartment in London. The purchase price is £300,000 and I am using the Help to Buy 20% equity scheme. I already had a AIP from my Mortgage broker, but the Housing provider wanted me to use their Mortgage broker instead. I was resistant up until the point that they…
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How to buy a house :s
Hope you’re all well? I need some serious advice here, I’ve never owned a home before and neither has anyone in my family so I really need advice on where to begin and what do I need to do? So here is my situation… My mum is looking to buy a house, the amount of money she needs to buy the house is £155k. The house she is…
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Advice about our landlord
Hi, We moved into our house in July 2013. We like it here and we are happy. Even started to decorate. But there are a number or problems in the house that need fixing. The landlord is aware. They are: Fence needs fixing Plaster coming away from the wall near our door Obvious leak in the roof as mould if forming on the…
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Extortionate tenancy renewal fee
Hi all, My tenancy of 18 months runs out mid May 2014 and have been at the property since May 2010, renewing twice so far, rent paid on time, no issues or concerns with the landlord or the landlord with me, the landlord has been good over the years and I’m sure they’ve viewed me as a good tenant. I live on my own and have…
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Collecting keys on completion day????
I know this is probably going to sound like a bit of a stupid question, but its the first time I've done this, so apologies in advance. We complete on our first house tomorrow, and I'm a bit confused as to how we get the keys once it's been confirmed all the money, etc has been exchanged correctly. All the advice I've read…
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Pest control in my rental protental with less than 24h notice
Hi all, I received this morning a notice from my landlord informing of a team of pest controllers attending the property tomorrow. However, as I will not be available I would like to know my right in order to postpone the pest control (email to landlord for this purpose) or to do it myself at my own cost during the week.…
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C&G Consent to Let mortgage - Is this a Con?
Hi. We have an ordinary mortgage with C&G currently at 2% above bank base rate (0.5%) Therefore we are in the fortunate position of paying only 2.5% for the rest of the term. However, due to a change in our personal circumstances we are moving and wish to rent out our current house. We realised this might happen so…
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surveyor coming around today and i'm nervous!
i will probably spend the next few days coming up with possible scenarios and ways of paying for things that crop up :( of course, the easiest thing would be if my lovely buyers have just asked for a valuation, lol. :j
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What happens at Exchange?
Are the signed contracts physically exchanged or do both solicitors agree verbally? Does the deposit have to be in the sellers solicitors bank account for exchange to happen?
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new home.. help with budgetting
hi all we are planning to put our flat on the market and move outside of london (we cant afford a house in london) and we've seen a new build we like... my only concern is affordability. .. I have no idea on how to work out how much things like council tax, gas and electricity, building insurance etc will cost... anyone…
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Mortgage timescales FTB
Hello! I'm a rambler and stressed so apologies upfont. I am a FTB and found a house around a month ago, did 3 viewings, decdided it was right for me and approached a mortgage advisor (whole of the market, he also happens to be the estate agent of the vendor) I have a 15% deposit and the house was up at £94950. After…
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Refusing Entry
I rent my house from the Local Housing Association. They in turn use a company called M&Y for their repairs. If I am in need of a repair I call the HA and they send someone from M&Y who I believe are a private company. I had some recent trouble with an employee of M&Y who, to cut a long story short(er), called my wife and…
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Flat Sale not showing on Zoopla/Rightmove etc
Hi All. The flat that I purchased in 2010 does not show as a sale on either Rightmove or Zoopla. The last time it was sold according to those sites was in 2004 which was to the owner that I bought off. Now I know that the estate agents that conducted the sale have now gone out of business. My solicitor for this purchase…
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Dodgy seller and agent?
An entire block of flats has become available for sale in a sought after location that I have been looking to buy. The property is fairly modern and not older than 30 years old perhaps. It has 15 flats and what bothers me is that they want to sell fast, the pricing is quite competitive for the location, about 15-25% less…
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Tracker first, then fixed
I believe that interest rates will go up in a few years after the general election. I am in the process of buying a house. The five year fix rate with Santander is competitive to me. However, there is an arrangement fee of £995 and a completion fee of £150. It works out cheaper over the five years. I don't want to pay all…
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Deed of trust changes - please help
My partner and I spilt 8 years ago. We originally had a 190k mortgage in both names. I put 72k deposit down and paid all the fees. I had a deed of trust drawn up to reflect this on the sale I got 28% or 72k whichever was higher. As I say he has been gone for 8 years and I have managed to pay the mortgage for this time, him…
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Likelihood of negotiating discount on a new build home??
Hi all, My partner and I have just secured a decision in principal on a £175,000 mortgage. The only snag is they want an 8% deposit which is £14000 and a bit of a squeeze for us. We are wanting to buy a plot on a new development off-plan so just wondered if there's anyone who has managed to negotiate discount/deposit…
