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Problem with rental/moving
I have been renting our house for just over 2 years. The rent is high due to where we live at £1150 p/m. We have never missed or been late on payment even though I had been made redundant twice during that time. My wife always made sure we had savings. We have had regular inspections and the landlord has been happy. We had…
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Non protection of deposit
Hi guys, hope you can help. We moved out of our rented flat a couple of months ago. The check out was done by an independent company and the report confirmed that the condition of the property was great, so no issues there. We suspected that our deposit hadn't been protected, and we knew we'd have difficulty getting it…
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New Build - incentives to ask for?
We're looking at a new build duplex apartment in a rather nice development and I have absolutely no clue what the norm is to ask for in the price. We're looking at the equity loan route and I think I read you can have up to 5% worth of incentives, is this about right? Can we ask for the builders to pay stamp duty? Upgrade…
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House buying advice
I'm not sure what is the best way to skin this cat. We are looking at buying another property at the moment. I currently own OUTRIGHT a small terraced house, value 55000, which my gran currently lives in. I also have a mortgage on another property in which I live in, we currently owe 51000 and the value of the property is…
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Cashback on completion?
Hi, I am currently buying a house for the first time. The house was up for £125,000 and required a fair bit of work. I put an offer in for £110,000 which reflected the work that needed doing. I explained that i had no chain, had money for the deposit and was after a quick sale. I wasn't interested in playing games. I…
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Will we get a flat?
So my boyfriend and I want to move out, however he's recently finished a tattoo apprentice and is going to register as self employed. Will agents/landlords need him to have been self employed for a certain amount of time or will they accept him now. All private ads seem to have 'professionals only' so does this mean not…
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House rebuild cost vs valuation?
:hello: Hello Am I correct in thinking that the 'cost to rebuild' - only figure given to me from mortgage valuation of the house we're intending to purchase - is not the same as a 'Valuation' of the property's market value? So therefore I shouldn't be concerned that the figure is quite a bit lower than the price we're…
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have you bought a house with bad debt
hi just wondered if anyne had ever managed to buy a house when they have settled defaults?.
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The property we rent has been sold but no notice to leave was issued...
hi guys I've read quite few threads but I want to be 100% clear on our specific situation. We are renting a flat (the lease start date is 11 January of 2013) and it's a AST fixed term lease. Around the time the lease was about to end we got a call from the letting agent letting us know that they would like to send somebody…
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Estate Agents - FTB
I'm just wondering what involvement the Estate Agent has once an offer has been accepted by the vendor. I went for a second viewing on a house today and would like to put an offer in, but the EAs seem a bit useless and I'm wondering if this is likely to cause issues? Is the Estate Agent basically just an introduction…
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House price rise ratio detached vs semi-detached
Hi experts My question below is based on real life scenario however I've changed some details to make it easy to explain. Two exactly similar designed houses [equal floor space] on the same street, one detached [Cost £350,000] and second semi-detached [Cost £300,000]. Imagine that average price rise for the area rises 10%…
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Renting with poor credit?
Hi guys, I have two CCJ's on my file dating back two and a half years and currently do not earn lots of money, around £1600 from employed work and bits and pieces as S/E and the rents round here are 800-1150 for what I need. I need to move out of a family members home soon but notice that all letting agents want to do a…
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Which forum is the best on MSE for property/mortgages?
It may sound daft question but I thought to ask. I noticed there are three following sub-forums topics on MSE related with property/mortgages. Mortgages & Endowments Mortgage-Free Wannabe House Buying, Renting & Selling Which one is the best among all three? Or if I use either of them is the same thing or should I post the…
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18 weeks and still no closer to completion, aaarrrggghh!
Firstly, i apologise if this thread turns into a rant i am just extremely irritated and need to vent! I accepted an offer on my appartment in October and we are still no closer to completion. I initially wanted a quick sale because i am going backpacking around Australia so keen to sell asap so i can go. I priced the…
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No subletting clause in lease - what does it look like?
Hi everyone Before I go an spend ££££ on solicitors I wondered if any landlords could have a look at the wording on the lease of a flat I am interested in to see if they read it the same way as me. I am looking to buy a holiday flat, which, when I'm not there I would let to holiday makers. I know that one of the flats in…
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Capital gains tax and how renting affects it
hello i am an (unexpectedly) single mother with a toddler. we are about to rent 2 bedrooms in my landlord's property. he also lives there. the rooms we rent are en suite but NOT separate from the rest of the house. we share a kitchen and living room. we are officially lodgers. he worries his home - if and when he comes to…
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Open House - Tips for buyers?
Hi Next Sunday we are going to our first viewing and its an open day. We are FTB, and the house is a on the market for £5k over our max budget but I'm not too worried about that. Anyone have any tips or advice about viewing houses being sold this way?
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Pulling out of sale with no reason?
Hi, Was just wondering if you are obliged to give some sort of reason if you pull out of a house sale? Our seller has pulled out a couple of days before exchange, informed the solicitor but not contacted the estate agency at all and doesn't reply to messages or answer the phone to them. It's bad enough pulling out last…
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Historical Interest House and conservation area
Hello, We have lived in our house for 26 years. It is a house of historical interest which was built roughly in 1650 and the area is also a conservation area. The house is detached except for the side part of the house (originally used as stables back in the day) which is attached but we don't own. When we bought the house…
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Rent/housing benefit issues.
Hi all, I'm looking for a little guidance if I can. When I first moved into my house share, I was in a job with a monthly salary, and paid my part of the rent, which is 280 pounds, on the 28th of every month, which was perfectly fine. As is common knowledge, housing benefit is paid four weekly and in arrears, so when I…
