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Buying a house for my Mum
Can anyone help me? My Mother has her house on the market to sell in Scotland as she wishes to move and buy a property nearer me (East England) however, typically the perfect house near me is up for sale now. Not knowing when her house might be sold I wondered if I could buy the property near me for her (in her name) and…
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Buying Leasehold
Hello everyone, Our son has put an offer in & had accepted on a 1 Bed flat with 91 yrs lease left.... (Estate Agent says it's fine - well he would do!!) Is this a good 'lease time' as such or would you expect longer, I have tried to do some homework, but the more we read about it the more confused were getting.... Any…
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Survey problems/mortgage retention advice
Hi There, been lurking on here for ages but never had the need to post however we are first time buyers and we have found a great house that we love and an offer was accepted. We did a home buyers report which found some significant work that needs to be completed and the mortgage lender has retained 6k until 3 things in…
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Deferred Payment of care home fees - interest.
Hi there, This is probably the wrong place to post, but: We are selling our father's home, as he died last year. He was in care home for a year prior to that paid for by the council on a deferred payment basis so that the sum we owe comes from the house sale once it is sold. I am unsure on what interest rate the council…
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Selling shared ownership, Staircase, Stampduty
Hi all, We are in a position where we need to move due to a new little person in the family. About 5 years ago we bought 55% of a flat in London on a shared ownership scheme. We now need to sell. I under stand that if we sell our share through the HA (which we have to attempt to do for 6 weeks) that we will take our % of…
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Who is responsible for this repair?
Hi, I'm hoping someone can help me with this although I suspect I already know what the answer will be :mad: :mad: :mad: :mad: I am a housing association tenant and in september did a mutual exchange. the previous tenant of my property had done an alteration where the back door had been moved out a few feet in order to…
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What to go on the market for?
Hi, I am hoping to go on the market on the next week but am not sure what level to price my house at. We have had 4 valuations from all the main local agents. In ascending order they are: 1. 215-217K 2. 220k 3. 225k 4. 249,950k There are no reference points in the street as there are only 4 houses like ours and none have…
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Financial Advisor or Mortgage Broker
Hi there I'm looking to buy a flat in London and was wondering if I should be going to see a Financial Advisor or a Mortgage Broker, I'm not sure what the difference is? Thanks for any help.
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mortgage and co-habitation
Hello, I'm in the process of buying a house, and could do with some moral and legal guidance. I currently live with my boyfriend of two years in rental accommodation. I earn a good bit more than him, and so I'm buying the house myself, as I've saved the deposit, paying the legal fees, and it will only be my name on the…
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First time buyer South Manchester
Hi I'm single 33 year old women looking to buy my first house somewhere in south Manchester . I work in knutsford so would like within reasonable travel distance . My budget is only about 150k and I'm really struggling to find anything affordable that's in a "safe" area ! Any suggestions ???
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New Build Advice Please
Hi, First of all apologies if this has been posted many times before, I did a search but nothing came up what I was looking for, if you cannot advise me on my request please feel free to not post anything. I am going to receive some inheritance money in the near future and am hoping to use it to get out of renting and…
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Orangery or conservatory? Terraced house
I am thinking of having either a conservatory or an orangery in my house but can't figure out which will be better/cheaper option. Mine is a terraced house. There are neighbors' gardens on both sides. Can I build one with full width? Checked with local council they said I need to apply for planning permission (for either)…
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How to deal with references post-arbitration
I'm looking to move in the next few weeks. I've been living with my parents for a few months, but before that I was living in a rented flat. On moving out, the landlord attempted to keep all our deposit for largely spurious reasons. We went through a lengthy arbitration process, which resulted in us retaining most of the…
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AST Contract
Hi, I am going to let out a property in the next week or so. My estate agent has given me a copy of a tenancy agreement but just to compare the quality to others, I wanted to know if anyone had examples of excellent agreements? I saw one on lettingaproperty.com and another on lawdepot as well as one on Visum. Any reco…
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Building a 1st floor extension on top of a ground floor one in flats - can I?
Hi everyone, am hoping someone can help me out here as I've scoured the internet for an answer and can't find one! I'm just about to buy a first floor flat in a converted house (so only ground floor and myself) to which I'll own the freehold for both. The ground floor flat has an extension at the back into the garden about…
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Help2Buy Scotland + Independent Financial Advisors
Hi all, Thank you all for your help in other threads; its been very helpful! Quick background: We are first time buyers using help to buy scotland, just placed a reservation fee on our first home. We are about to make our application through help to buy scotland, and have a solicitor in place with a meeting set up next…
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Credit score needed for mortgage
What credit score is needed to be approved for the best rate mortgages? I have recently agreed a price of 148K and I have a deposit of £38,000. My salary is £36,000. I have an agreement in principle saying Santander will lend me up to £165K without a deposit so the purchase price could be up to £203K I believe (165+38).…
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Exchanging contracts
I've been given a provisional date for exchanging contracts however there is no way I can possibly get it off work. Do I actually have to be there to exchange or is it something my conveyancer can do on my behalf?
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Buying then selling my shared ownership home
Hi guys this has probably been covered before but I'm a first time threader if that's what we're called, My question is this - If a new build (lets say an apartment), Built by a housing association is on the market for say - £200,000 and I take a mortgage of £150,000 and put down a £10,000 deposit and buy a 75% share of…
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house multi ownership-repairs and funding
Really need some good advice on this one : we are leaseholders in older property-one of 6 owners in house of multi ownership. Management committe responsible for making decision re; repairs to property-all owners are members of management committee and pay monthly management/service fees. management company has very wide…
