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Solicitor/mortgage lender problem
We're FTB, had our offer accepted 3rd Dec last year. Seller going into rented - should be relatively straightforward eh? Nope. Through london and country we were/are applying for a mortgage with Accord. who have been a PITA pretty much since the outset - ie not asking for all information needed at once, lots of back and…
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Land Registry application to cancel a restriction (RX3)
Hello, I struggle to understand on what grounds my application to cancel a restriction was refused by Land Registry. My situation: I own a leasehold flat. There is a restriction on the title in favour of the property developer. The property developer has sold the freehold 8 months ago. As of today the restriction has not…
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Don't want landlord coming round
Hi all, was wondering if you could give me some advice please. My partner and I are about to complete on our first house :j and so we have given our landlord (LL) one month's notice to terminate our rolling 1-month tenancy. LL has quite frankly been a complete PITA for most of the tenancy- slow at getting repairs done with…
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Bad Credit - Mortgage
Hi, I am new to MSE but I was hoping you could help. In the past I have not been the best with my money. I currently stand at £5.5k debt (2 credit cards and overdraft). I have set up a budget to pay this off. Then there is the fact that I have been late (no more than 1 -2 days) paying my credit card about 5 times in the…
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Consent to let & interest only- any pitfalls?
Hi, I will soon be letting out my property and I am awaiting the paperwork to apply to change my mortgage to consent to let. I am considering changing my mortgage on this rented property to interest only. Are there any reasons that this is NOT a good idea? Any advice would be welcome from those with experience of this.
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FTB - advice needed
We had our offer accepted a month ago on our dream house, got our mortgage in place and solicitor instructed. Everything started fine and the vendors were happy to move quickly. However after they had a survey on the house they were buying they have pulled out of the sale and said they would try to find a house asap. I…
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right to buy
can anyone advise as to who would offer me an offset mortgage under the "Right to Buy" scheme. RBS will only offer me a fixed rate mortgage.
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Mortgage with CCJ
I have a CCJ which is for £600 which will fall off in January 2016, in just under two years time. I have ok credit and have 3 CC's which I've used sensibly with no problems. I have no loans apart from student loan. Wife isn't working and looks after our young daughter. I'm 33 and earn 45k a year along with an extra 15k…
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McEwan Fraser
Does anyone know what there fees are for selling? They wont tell me on the phone and a valuer needs to come out
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buyers survey was nearly 2 weeks ago and nothing back! frustrated
:mad: just wanted to vent my frustrations. we were hoping to exchange on Friday (persimmon's 28 day requirement) but are still yet to hear any response/enquiries from my buyers' HBR :mad: it was done a week last Thursday :( (my val should be done done today i hope - newbuild, should be straightforward) now wondering…
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Undervaluation’s?
Just wondered if Surveyor mortgage Undervaluation’s are still pretty rife or with the market picking up are they tending to agree with the sale price now ??
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end of tenancy
I have just moved out of a rented house, i cant remove my greenhouse as i had to concrete it down due to gail winds last year, its really expensive for me, over £700, plus a new washer machine which was over £500, can the LL legally destroy them both as i've left them there?
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Could we buy house now and agree an exchange date for July?
Hi, Myself and partner went for a second viewing tonight for a house we like and want to purchase. The house has been up for sale since September and last week was dropped 5k. The owner is pregnant and is due in 9 weeks. She is a bit worried if it gets any closer to her due date she would be giving birth and moving in the…
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Need some help to evict someone - any suggestions
hello all, a friend of mine is going through a tough time at the moment. He currently owns a flat, and since september 2013 has rented out his spare bedroom. The tenant has been really difficult to live with recently. There is no contract drawn up. My friend wants the tenant to now leave. My friend has spoken to the police…
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Estate agents inflating valuations?
I am a first-time seller, thinking of selling my house (Outer SE London) and have had valuations from a few agents. All gave a figure some 30% higher than what I paid in Nov 2010, and 20% higher than what I thought (based on what a similar property sold for in Oct 2013.) Obviously I was initially pleased, but this must be…
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Estate agent valuations
I am currently a seller who has a buyer (offer accepted 7th October) and no chain but still waiting to complete due to numerous issues mainly inadequate solicitor (mine unfortunatly). We are so close to completion at the moment but the council are requesting valuations from 3 local estate agents to prove i am only selling…
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Fleas in rented property
Hi all, Ok so need some advice just to put my mind at rest, recently moved into a new rental property and have discovered fleas, now they were first found in the bedroom, there is carpet upstairs, on the landing and stairs and downstairs its wood floor and tiles,(i'll explain why I'm saying this in a bit). I don't have any…
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Can I let then sell this myself?
We are in the process of selling my mum's flat in a sheltered housing complex. She is now in care. We may have a private sale by a lady who is at present living in another part of the country and wants to move here immediately as her husband has died and her relatives live here. She has asked if we would rent the flat to…
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hello all, newbie landlord needing guidance
were soon to be Let-To-Buy landlords and could do with some good tips guide to setting up and running everything. were planning to use a local letting agent to do most of the stuff.
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Home report validation period
Hello I am looking for some advise please. My partner and I are looking at a house with the prospect to buying, we have had a viewing and now have the home report from the selling agents, on our viewing we noticed a few items that would need addressing ( the house is relatively new 2009, with settlement cracks in plaster )…
