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Can you apply for a council house if you already own your own home?
I'm sure that sounds quite cheeky but there are 4 of us in a small 2 bed house and we are squashed in! On paper we can afford a bigger house but I'm at risk of redundancy this year and my partner in 2 years. We obviously don't want to get a bigger mortgage and then find ourselves in a position that we cannot afford it. Any…
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Get rid of private housing communal area management company
My wife and I bought a house in June last year that has a management company responsible for the communal areas! that the local authority wouldn't take responsibility for. We have just been billed £40.25 for 6 months services. £4.90 services which was. £888 split between the whole community. £5.35 as a management fee. The…
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Abbey Wood a hot spot???
Can Abbey Wood really be a hot spot as mentioned in the Evening Standard today:question: Surely the article writer has gotten Abbey Wood mixed up with somewhere else? Being so close to Thamesmead I can hardly see it being a place folk are clamouring to buy a property, especially as Thamesmead seems to be basically one big…
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Mortgage to Let
I have money for a house deposit and what I want to do is but a house, but then rent it out for a year to 18 months. Do I have to just get a normal mortgage then let the property or do I HAVE to have a buy-to-let mortgage? Thanks in advance
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Getting rid of smells in new rental home
Not sure if this is the right place so mods, feel free to move the thread to somewhere more appropriate if needs be. Right...I've been in my new rental home a week now. There is an odd smell lingering throughout... My boyfriend insists it is a bit cigarette smokey, I'm not convinced but couldn't put my finger on what it…
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Mortgages for Teachers
Hi all, Basically, my partner isn't on a permanent contract - he gets signed up at the beginning of each academic year, gets given his hours and the year after, it happens again. Because he gets paid based on how many lessons he teaches, his payslips doesn't show Basic Pay, rather hours claimed. Halifax have asked for an…
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Potentially better deal presents itself
I am in the process of buying a house, which I like. I had a telephone call from another estate agent today. A house I liked some time ago was reduced and now the vendor wants less. Financially the deal on the other property is better. I believe I will get more for my money with the other one i.e. it is cheaper and…
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Right to buy discount equity release?
Hello, A family member has lived in a 3 bedroom terraced council house for 3 decades with her family paying full rent all the time being a working person and has the right to buy with something like £100,000 discount. She does not have the deposit to get a mortgage, and although the house is modest it is in London so as…
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2 weeks with little happening
Currently in house buying. Two weeks ago got last search back from local authority and all fine. But nothing's happened since then as my Solicitor is still waiting for one of the enquiries which is for a service certificate for the heating system to be sent to them. Seller has had three weeks to sort this out now. I'm sure…
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How much for refurbishment
Hi Guys, This house is available for sale on less than market value. http://www.zoopla.co.uk/for-sale/details/31741686. Market value is around 190,000. What you guys think, how much will it cost to refurbish the house. It is worth the hassle? Thanks
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Rough guide to moving costs
Hi All, I am just on the market. I am roughly trying to work out a few costs. Most I know, but I would appreciate any advice on the following: Removal van etc - moving from 3 bed house, to another 3 bed house. I literally have no idea - for the bog standard package, not packing. Could be £500 could be £5000. no idea at…
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Leasehold Property Question
Hi folks, I'll try and keep this simple and to the point and lets see if anyone can come with answer... Selling an inherited leasehold property and a potential buyer had a list of leasehold questions for the Management company. The management company want to charge the buyers for these questions, the buyers agree to pay…
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Landlord Breach of Contract??
I need some advice on what I should do next. Basically the landlord has entered the property I rent without my consent or giving me any notice. The house that I rent at the time of me moving in (Jan 2014) was rented out as per room. Shortly after I moved in my housemate told me that she was moving out in 2 months. So the…
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if i pay off my credit card can i get a mortgage?
So me and my husband have been accepted for a mortgage but thet want a 20% deposit. If we pay off our credit cards (amounts are as follows: £700, £1000, £1400, £1600) are we more likely to be accepted with a smaller deposit? Many Thanks for your help CM
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Homebuy Direct Equity Loan Repayment
Howdy all Has anyone paid back their equity loan yet? I'm looking for a bit of advice really. We have submitted a RICS valuation to metropolitan and this has been accepted. We have agreed a mortgage with natwest for part of the loan, and the rest will be repaid through our savings. Now I would have thought it was all…
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To move or not to Move???............ Out of London
I currently live in West London, close to borders of Harrow, Greenford and Sudbury. I am 38 years old and have lived in this part of London my whole life, and don’t mind moving as far away as possible. We moved into our current home back in 2001 for £160,000, with a mortgage of £140,000. I have 3 children, 2 are at high…
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Offering on a house with a price range
We're trying to buy a house in North London - currently renting. Back in November we viewed a house we really liked, but were outbid. Now the sale has fallen through and the house is back on the market. In Nov the house was listed at 'from £425k', which is still the asking price on Zoopla now that it's back on the market,…
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Home buying scotland
Have put an offer in for a house it hasnt progressed in any way yet. Ours in under offer we are having to hold off concluding the missives on our sale as as awaiting our mortgage porting to be agreed. Today another house has come onto the market that may be more suitable for us. If we withdraw our offer on the current…
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Scottish Home report
Hi I need to get a home report,I am aware that it is not a legal requirement to also get a mortgage valuation. What is the advantage/disadvantage of getting a mortgage valuation?
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How much did you have left in savings after house purchase?
Due to a severe lack of suitable houses and our rented house just having been sold, we are thinking of upping our budget. However, this would take pretty much every penny we had in savings. Whenever we have bought before we have kept back at least £10k in case of emergencies. I know we have been fortunate to be able to do…
