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Help to buy possible with £70K deposit but low income?
I have a £70K deposit but my salary is only £12000. I require a 2 bed flat but I cant quite afford any on my salary as they are around the £160+ mark in my area. Does anyone know if help to buy is only available for those with a low deposit? I've researched but all the info is regarding those with a low deposit and no…
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Recommended conveyancing solicitor in Scotland
Hi Folks, We are looking for a conveyancing solicitor in Scotland for our home purchase. FTB so finding it hard to know who to choose. Wondering if any of you lovely folks have any recommendations for anyone we could use in Scotland? Thanks!
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No Loft Access -suspicious or normal?
Hi, We're in the middle of buying a house and are just awaiting the valuation + homebuyers survey. It's a terraced house in east london and has recently had a new roof as there were some issues. On the second viewing of the house we quizzed the owner about loft access. Although he's had the house for 7 years (it's been…
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Freehold question(s)
Hi all Please forgive any misunderstandings I may portray with this question! I have recently paid off my mortgage and downloaded a copy of the title. In it, there is an entry that states the following: The land in this title is subject to a perpetual yearly rentcharge of £18 created by a Transfer dated 17 November 1972…
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Need some options please
Hi all. After having our first house fall through we have now spotted our dream house. Fate maybe? The problem we have is ours hasn't had an offer on it yet and we don't want to let this house go. Does anyone have any ideas please as to what we can do? Thank you
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mortgage help.
my scenario is this... i own a house (bought in 2007 for £152k) which is now worth roughly £140k, i have an interest only mortgage of £82K (13 years left on it) .i want to move out of the area (schooling issues) and am unsure of what to do. can i transfer my mortgage to another property? (looking at houses roughly iro…
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What would you do?
Hiya everyone Just looking for some advice. We are currently in the process of purchasing a 2 bed semi and have just had the results of the local search come back stating that the house is within 200 meters of a proposed tram line. The solicitors have investigated further and have found that the tram company and the local…
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Is it worth getting planning permission when you plan to sell?
I've got plenty of room to the side of my property to extend - should be able to build a two storey side extension (5m x 9M footprint). Shouldn't be an issue with neighbours - the only neighbour is 30 feet to the one side. Three bed to five bed. Basically just a bog standard side extension. Just wondering if it's worth…
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Is it possible to change conveyancer?
Ok, the quick and dirty version of events here. We have had a mortgage offer agreed with the Halifax for the house that we are purchasing. Somewhat foolishly, I let myself be talked by the EA into using their conveyancer, one of these 'at a distance' cheap affairs. So far they have lost our paperwork for authority,…
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Buying a house, my employer has announced redundancies by end of year
My employer who shall remain nameless, has recently announced redundancies, around 5% of the workforce globally will be axed before the end of the year. I'm currently at or near the end of buying a house, we're just waiting for exchange. But I'm worried about what will happen if I get made redundant just after purchasing a…
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leasehold covenants
Hi, I was wondering if anyone could help. I am about to complete on a one bed flat which is leasehold, when I first looked at the flat I saw that there was maybe an opportunity to put the kitchen into the large living room and make the kitchen a second bedroom, when I got to see the lease it states " Not to make any…
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Possible defective lease
EDIT: duplicate
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Transferring ownership from joint to sole.
This might be an easy question to answer but I do not know so here goes: I jointly own a house which has had it's mortgage paid off. If we wanted to transfer ownership to only one of us, is this something that can be done without the assistance of solicitors(i.e. going to the Land Registry direct)?
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Selling a Home bought with homebuyer direct scheme
Hello all, This is my first post here. I am at the end of my tether right about now... So the story begins. Purchased a house on the buydirct government scheme at the back end of 2008. The purchase price was £125,000. £98,000 coming from mortgage and the remainder from government and home builder. With the way the housing…
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Getting my name off a mortgage
Me and my ex partner still have a mortgage in joint names. She has been paying the mortgage for 2 years on her own but the lender is still saying she can't have a mortgage on her own. I am now in a position where i want to buy a house with my new partner but my new partner isn't overly keen on trying to get a mortgage…
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Vendor 3 week delay what should we do?
Its been 2 months since we made our offer on a house and we were expecting to move in end of May. But vendor now says they're buying a new build and kitchen isn't ready, so we need to wait 3 more weeks. Solicitor and EA called to confirm we were happy to exchange, I said we need to think about it. It means we'll have to…
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Curtilage Strip
I've just re-read the small print at the bottom of a house advertisement, it states: "Please note the property will be sold with the owners retaining a small strip of the curtilage." What does it mean? And why? Thanks in advance for your help.
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Breaking tenancy early
Hi, Any rental experts out there? I have a property currently let. We're 8 months into a 12 month tenancy and the tenant has decided they want to leave. As I say, it's a 12 month tenancy which had a 6 month break clause. My understanding is that the tenancy could be broken at the 6 month mark, but at no other time. The…
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When is it the right time to decide when to pull out?
How do you know when its the right time to pull out of a deal or do you just hang in there. To cut to the chase, I am a first time buyer, went to see a flat in a part of London back in Jan, really liked it, put in an offer which was 1k lower then asking price, got accepted in Jan. I had my mortgage completed and offer sent…
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First Time Buyer - surveys
Hello everyone, We are first time buyers and are purchasing a 3/4 year old house, 3 weeks ago we had our offer accepted and started to proceed with our mortgage. As the house is relatively new we decided to go for the standard valuation with our mortgage. We recently got our contract with our solicitors through and it…
