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Taxable Allowances on a new residential letting
Hi All, I own a property (with a mortgage) that I'm renting out as of 1st April. I have previously been living in the property myself but have now moved and will be renting it out. In order to get the house in a 'rentable' state, I have spent approx £5000 on it (redecorating, new vinyl flooring throughout the downstairs,…
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Will I get a mortgage?
My partner and I recently had a mortgage meeting in which we were told we could have a mortgage of £142000 based on his current wage and my projected full time wage (I am just finishing up as a student). However, my current part time employer has now decided they will not be opening up a new full time position soon enough…
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life insurance to cover mortgage
My mortgage broker said it is wise to take out life insurance now that we are getting a mortgage. However, he has repeatedly said he's going to send out some options and still hasn't done it. I'm hoping to complete next week. Do I need a broker in order to get the appropriate level of over or should I just they to find it…
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Empty House Insurance
I've become Executor of an Estate awaiting Probate, and the Estate includes selling the deceased's Home. As this is nearly three hundred miles away, I can't just pop round every few days to check it's OK. The neighbours are keeping an eye on it, and I'm paying someone to come in once a week to hoover and dust. Current…
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Invitation to gazump?
I have at last had an offer on a property accepted. I've instructed solicitors and expect to be spending money very soon on searches and all the usual sort of queries that arise in the course of conveyancing. But the EA has not taken the property off the market. When I rang to ask that it be marked as under offer or sstc I…
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Council Tax, register all occupants?
I've spent ages googling this to no avail, if you're paying full rate council tax (i.e. no discounts) with multiple eligible adults in residence, do you have to notify them of any more moving in as it won't affect the amount anyway? I can't even find a form to do it, or any information if it's even needed. Thanks.
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I need advice on problems with landlords. They threaten to call the police :(
I moved in this house in September 2013. It is a shared house but we are all random students because the landlords had advertised for individual room. When I visited the house last April, they said vaguely that the bills would be included. The house was quite old but due to the cheap price (£95/w) and good location I…
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Had a damp and timber survey done
Hello, We are nearing completion of buying a house and it was recommended to us from the homebuyers survey report to have a damp & timber survey done, and so we did. It cost me £140 for the damp and timber survey and it feels like I've just wasted that money. On the homebuyers survey report they've found dampness and wet…
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Five year fixed
I read questions on here were people say that they are thinking about a five year fixed as it is cheap from a historical perspective. I am planning to get a five year fixed mortgage (I have it approved). I am not sure it is so good. The best five year fixed deal I can find with a 25% deposit is 3.25%, which equates to…
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council tax band
Hi, my neighbours house approximate value in 1997 was £23,500. should be in band A but we have always been in band B. we have only just started to buy our house from the council about 18 months ago although we have lived here since 1992. After our right to buy discount we are buying the house for £43,700. I think it was…
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1920's Poured Concrete Semi
Ok, here it is. Put an offer in on a lovely 1920's high ceiling semi in Plymouth Devon. Massive house, great location The House is stated as poured concrete construction though, which has been externally insulated. The owner has lived there for the last 45 years, but the agent cant tell me the type of poured concrete. All…
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House Buying: Important Threads
Hi everyone This is where we'll link to important threads worth you reading. Please read them before you post. House Selling - Money Saving Tips A Tenant's guide to renting House Buying - Moneysaving Tips What to do when buying a flat First Time Buyer's Guide To Mortgages RENTING? Check your LL has permission to let that…
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Advice for taking on a "Lodger"
I'm in the process of buying my first property (2 bed flat). I have a friend moving to the area, originally we were going to rent a place but then my flat popped up on the market and I pounced. I am expecting to complete in about 4 weeks-ish. So now I'm looking at taking a "lodger" instead and I want to make sure I do…
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Any conveyancers out there!
21st Feb our vendors solicitor discovers that their names were never put on the land registry since 2006 :( they have to go back to their old solicitors who messed up and 5 weeks alter still no change of name. Why is it taking so long!! I'm fed up of asking my solicitors. I'm giving them two more weeks to sort it out or…
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Sellers using CountryWide Property Services who have messed up, how can we help?
Hi. As per the title. Our vendors have gone with Countrywide property conveyancing services, which i understand are less use than a chocolate teapot, and unfortunately our experience to date supports this: 1) Offer accepted 5 weeks ago 2) Vendors filled in forms and posted same day 3) Vendors posted title deeds to…
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I've been swindled by our letting agent.
Hi there, I have an apartment in portugal (sao martinho do porto to be precise). I had been letting it out through a woman who owns a company in the area. She's since decided that actually she won't give us any of the money which she collected for renting out our apartment. As it's a 3 bed holiday let I reckon she must…
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Residential-letting
Hi, i'm a newby so be gentle! I have found myself in a really sticky situation with my mortgage provider, here's the story - 9 years ago i bought my house and lived in it for a number of years, my fiancee had also bought her house so when she fell pregnant it made sense to move into a house together(we chose hers) and put…
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Private Renting Advice
Hi, can anyone confirm the process if going through a letting agent and they find a bad credit rating, do they advise the landlord and the landlord makes the decision or do the letting agents flatly say no and don't give any option to the landlord? Thanks in advance.
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Buying second property
I currently have a shared ownership property (with £40k equity in a 35% share) in London that I let out with permission from both the Housing Association and my current lender. I have a residential mortgage because I got permission part way through a fixed term and they said I could remain on current terms and change to…
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Buying hse with cavity wall insulation...
Just found out that the hse we're buying which is circa 13 yrs old, had cavity wall insulation fitted fours yrs ago. Have heard some horrible stories about it.... What does everyone think?:(
