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buying mother in laws house
Mother in law has moved into sheltered accommodation and wants her house to be sold. We live at side in an identical semi but we have modernised and added a bedroom to ours. One thought is to sell ours and buy hers as ours should have more value and we could then have money to renovate a property we have bought in France.…
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Council tax and outbuildings
How can this be fair local councils now charge landlords council tax if their property is empty even though they are not receiving a rental payment also if people have a outbuilding such as an annex their council tax will have increased from 2013 in order to charge council tax on any property that is owned but but a…
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Advice on overpaying
Hi guys, I've done a bit of research lately into mortgage deals & I just want some further advice with my situation - i'll be seeing a financial advisor soon. I've used the google mortgages website to estimate my monthly costs, i'll be looking at a mortgage of around about £350-£400 a month. Hi guys, I'm shortly going to…
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Unique situation - £80k cash but no mortgage - what to do?
Hello everyone, we seem to have quite a unique situation where we have a £80,000 cash loan from family in the USA to buy a house. We are choosing to have me at home with our two (and potentially another on the way) children to homeschool. We currently pay £600 pm in rent and would like to escape that as it amounts to £40k…
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Would an unfurnished property generally come with a cooker?
Hi, We were initially planning on letting the house entirely unfurnished, and would also prefer to not have to fit a cooker either... however, we've just been told that you don't actually have to have them PAT tested each year and our potential tenants have just enquired about whether or nor we're going to fit one. Is it…
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How to make sure a tenant is genuine
I am soon to be letting out a flat through upas/rentaproperty. I am concerned about checking a genuine passport/ID document - has anyone had any problems with any dodgy ID documents before, and if so, how can I avoid something like this please? Thanks
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AST renewal - how soon after commencement should agreement be signed?
If tenants indicate before the initial fixed term is due to expire that they want another fixed term agreement to follow on, when should this be signed? Is there a time limit, and if there is a delay, should it be back dated to run straight after the initial AST - or should the interim period be treated as a periodic…
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How to get a mortgage without proof of address
We are giving my son a large deposit to buy a flat. He needs a £150000 mortgage which should not be a problem at all. He has lived as a tenant in a flat for over 3 years. However, we have a problem as the mortgage broker and provider seem to need specific proofs of address. He has a passport registered at the rental…
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12 month contract with 6 month break clause?
Hi there I'm looking at renting a flat which has a 12 month contract with a 6 month break clause in it. The LA has informed me that I could give a months notice at month 5 and therefore leave at month 6. They have also informed me that I provide a months notice at any point after month 6 and leave. Does this sound right?…
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Court hearing - Do I need a solicitor?
Hi everyone, I've been searching on google but can't seem to find an answer so hoping you can help. I have a verbal contract on a rolling tenancy agreement and my deposit hasn't been protected our LL initially wrote to me on 9th Aug with a new tenancy agreement and stated if we didn't sign the new agreement within two…
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Selling flats individually that are in an HMO
I currently have 5 self contained flats on a freehold mortgage with Capital Home Loans, I would like to sell flats individually over nx 5 years, as they are worth far more selling them that way. CHL have refused saying I must sell the block of 5 together which is not beneficial. Is there a lender out there that I could re…
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FTB, how to proceed with offer?
Hi! We are first time buyers in Scotland. We saw a property for sale advertised at a fixed price of £135K. We asked about a viewing and went to see it on Saturday. Happy, we applied for our AIP and were accepted on Sunday. This morning we put our offer of £135K, which was the fixed price and what the house was valued at…
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Housesale2day
Some advice please. When something seems too good to be true then often it is but hubby doesn't agree and thinks this could be the answer to an unsold property! A company called Housesale2day have said that they will purchase his house for the full asking price, but they will give £20000 today and then the rest in 3 years…
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Landlord didn't protect our deposit-help please!
Hi all, I have posted several times before about our nightmare landlord. At the end of last year we were getting letters saying there was a possession hearing on the house so we decided we couldn't afford the risk of having such an insecure situation so we found another house and have now moved out. The landlord has never…
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How much to install a dormer?
We're buying a house with a converted loft but it only has a roof light currently. Setting aside planning costs and issues, roughly how much would it cost to put a dormer in?
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Who is responsible for this electricity bill?
Hiya We rent a house and have been here for 18 months. we have been with npower this whole time and have given readings every 2 months. We are leaving Npower now to move to british gas, and they have decided to send us a bill saying we are in debit of £800 because we have used 8000 kw in the last 7 months. We haven't had…
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Council / Social Housing rent.....
Just out of interest what area do you live, size of house / apartment and how much is your rent. Currently in a private let, paying £500 for a small , flimsy house that can hardly swing a cat in. Hoping for an offer of social housing very soon but no idea how much rent costs!
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Anything to worry about in survey results?
I have had my homebuyers survey back today and wondered ifknowledgeable among you could advise me on whether any of it warrants a renegotiation of price or a request to the vendor to do the work before exchange. Some of the ones graded 3 are about getting the electrics and gas checked but i've seen enough on here to know…
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Unsure of next process...
Hi guys, Second thread regarding my house purchase. I've been reading a few threads, especially those discussing how long certain stages take (bad idea, I know) and it seems as though the order in which we've chosen to proceed with our purchase is a bit out of kilter! 03/01 Viewed property 04/01 Offer agreed 06/01 Applied…
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Managment company charging for copies of invoices
I am in the process of selling my leasehold property and am at the stage where I am having to supply our solicitor with a copy of the invoices of our ground rent, management fee and insurances for the last 3 years. And can I find them? I'm usually well organised and file things away but for the life of me they seem to have…
