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Huge AIP then tiny mortgage offer
Hi all, new here and new to house buying. So here is it in a nutshell! We were looking at properties at our max borrowing level as suggested by our financial advisor. We then had an agreement in principle from a lender for somewhere near this amount. After looking at lots of places, we brought our budget lower. We decided…
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Land Registry documents
I was looking at the Land Registry website and I see that you can download the following documents (at a cost): Title Register Title Plan Flood Risk Indicator I am in the process of buying a house. Is it worthwhile downloading these documents for the new house or will the solicitor send them to me?
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Restrictive covenants on ex-LA property
I am in the process of buying a house which the seller bought from the Council approximately 10 years ago. The transfer document for the transfer of the property from the Council to my seller includes a number of restrictive covenants, which the transfer document states remain in place for 80 years even if the property is…
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Land Registry Issue - Advice Needed
Hi Ladys and Gents, I am not sure if the problem I have is a easy one or more in depth. The background to the problem is, 18months ago we sold a section of our garden privately. Everything completed in October 2012....or so we where led to believe. Now we are selling our house and are close to exchange, however week one of…
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Surveys and related events...what order?
Hi All Just a question about surveys, and the sequence of related events during house purchase. We've bought three houses so far, and on each occasion have opted to rely purely on the mortgage valuation for an assessment of the property's condition. So far we've got away with it, but for our current purchase (which we hope…
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Which conveyancer?
I'm really struggling to choose a conveyancer. Does anyone have any advice? I read through the MSE guide, and he mentioned that the forum recommended 1stpropertylawyers.co.uk and easier2move.co.uk. I've got quotes from both of them, and they're almost identical, at around £1,350 (fees+disbursements). I went on…
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Who is responsible for oil tank leak, advice please
I started renting a property in Sept 2013 out of 1,500 litres of oil I have about 250l left. In Feb I reported it to letting agency saying it must be leaking, they sent someone out to check it, he never went near tank just run his hand under internal boiler and said no leaks. Apparently it was all serviced before I moved…
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Worried I won't pass rental checks...?
Hi, Not sure if anyone could help me but thought I would give it a shot anyway. I am currently in a rented house and have been here for almost a year now and had always paid my rent in full and on time. However just before christmas I had a problem with my bank account, I was targeted while out christmas shopping and had…
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Advice from landlords please...
Hi all, I rent in Scotland with a SAT, renewed yearly. I have a question regarding the inventory for the property. I was handed the inventory on the day we moved in with the landlord saying to check and return it within seven days. No mention of any damage to furnishings or fittings was stated in the tenancy and upon…
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Points to remember/ask when looking to purchase property
Hi there We will be looking to purchase our first property, this time in 2 months. Nothing special and not our forever home, it will be a leasehold 2 bed flat that will need some tlc in the hope we may make money when we do come to buy our forever home. I've written a list of things to ask/look at but wondered what others…
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Average annual maintenance cost for your home.
So you buy an house in reasonable condition with no structural damage. To maintain the house value at the purchase price, how much would you need to spend a year (based over a 25 year mortgage period)? Based on my own experience and anecdotal evidence I'm saying 1% a year? Would anyone disagree?
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we did it!
:j:j mortgage paid off and papers received from the building society. Do we still have to see a lawyer for something? We are in Scotland.
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Can A Friend Give Her House To Her Son?
A divorced friend wishes to gift her house to her son right now for absolutely nothing or maybe a nominal sum. She owns the house outright - no mortgage. She recently retired from the caring profession and is only too aware of the difficulties of home ownership for the elderly, particulary if dementia sets in. She would…
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No inventory at Check in? Poss prob at Checkout?
I am leaving a private rental end of the month after lots of hassle off our landlord. He has emailed to say he wants the walls returned to a nautral colour on exit. Now when we moved in he said we could paint. The walls were scruffy and needed a fresh coat. He did not stipulate colours. For example we have changed a pink…
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First Time Buyer
Hi guys, a newcomer to the forum and hoping for some help. My wife and I are looking to purchase for the first time. We're currently stuck at the very first stage - searching! Anywhere that fits our criteria seems to disappear within seconds of us calling. A few estate agents have mentioned that they don't bother putting…
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Do I need a survey ?
Hi , I am buying a shared ownership flat.The flat is 3 years old. I am paying cash for my part, proceeds from a divorce! As in the past I have always had mortgages then a survey was always needed. So do I need to get one done of a flat ? any thoughts appreciated. thanks
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nationwideepc.com - anyone used them?
Hi, I'm looking for a fixed price domestic EPC and nationwideepc.com keeps cropping up in searches. They seem legitimate, but I'm always a bit cautious when they request payment up-front. Has anyone used them that can provide feedback? Alternatively, are there any others that anyone would recommend? Ideally I'd like to get…
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Offer accepted but agent holding on survey and solicitor??
We are buying our first home and a little naive to the process. We are chain free and we have had an offer accepted on a property. The people we are buying from have also had their offer accepted on a property. However the people they are buying from still need to look. Our offer was accepted on the condition that we were…
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Options to Purchase Second Home
Hi, this is my first time posting so hello all. Could you please offer some advice on our predicament. We are looking to purchase a new build home which has not yet been released. We will only want to move if we manage to reserve this particular plot otherwise we would consider staying in our current home and extending. We…
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New House & Purchasers Extras
When a purchaser decides upon and chooses from a housebuilders extras list for upgrade kitchens, flooring, wardrobes, tiling etc Ihave a few questions. Obviously the additional items need paying for, but should a receipt for payment be raised? And if so, what wording should be used? It is slightly more complicated as the…
