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Energy Company Obligation... What's the downside for a landlord?
The tenants get a call from a salesmuppet. It's free. It's wonderful. Loft insulation. Cavity insulation. For nothing! Because the Gov't love you! But the landlord's go-ahead is needed. So the salesmuppet phones the landlord. It's free. It's wonderful. For nothing! Because the Gov't love your tenants! If it sounds too good…
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Offer Panic
Hello All, Seen a house we like on the market for £250,000. We made an offer of £267,000 without seeing it as it is in the perfect location. Went to see it and it was how we expected. That was several days ago now and no response. Now when I phoned up to make the offer the EA was trying to put me off making the offer there…
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Another rental deposit unprotected!
I have recently come to the end of a rental tenancy and had a couple of issues with the return of my deposit. Basically it was in relation to whether a professional clean had been done. After some to-ing and fro-ing between me, landlord and agency I decided it was time to lodge a dispute with the Tenancy Deposit Scheme…
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Wanting to Sell But Should I?!
Hi, Have been thinking for some time to put my flat on the market and as there is always great advice on here thought I would ask for opinions. The flat is located in Greater Manchester and I purchased it back in 2005 for 93K. Here is a link to a similar property to mine in the same block on for offers over 79,950 which I…
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Should we stop making overpayments?
We are wanting to sell and upsize and will need to significantly increase the size of our mortgage. With the new rules for mortgage lending should we stop making overpayments to our present mortgage and add it to savings instead? We are used to making these overpayments and do have money in savings too but just wondering…
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nram consent to let (ctl)
Can anyone give me some advice on nrams ctl policies? I have a together mortgage with them and have been granted ctl on the property for the last 4 years when I moved in with my partner and started a family. This year however they have declined the ctl saying that as my partner was made redundant we can no longer afford to…
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Trying to reach agreement on house needing roof work
Hi, We recently put an offer for £295k on a house on the market at £310k, the vendor then came back to us saying the roof needed work (tiles I think) and the guttering and fascia needed replacing and that they'd fix all the problems without going through a survey if we paid them £305k. Sounded a bit weird so we politely…
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Too many decisions - two houses, offset mortgage, extension, BTL - what would you do?
Hi, I own my own home, with no mortgage, and would like to extend it (new dining room, utility room, sitting room, bring outside loo inside). In an ideal world I would also have the loft converted. This would give us a lovely 4 bed house. I have (just) enough in savings to be able to do both jobs. However I would then be…
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Shared ownership
Hi I am looking to buy a flat in central London in the next couple of years and as Im not a millionaire my only hope is shared ownership. It looks very attractive because they charge such little rent on the portion you don't own, so in effect I see it as sort of renting cheaply - it would cost less per month than my…
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Rent guarantor advice?
I have been a guarantor since 20th June 2012 for my brother's (now ex) girlfriend. This was for an initial 6 month lease that then rolls on. She got into arrears back in August-September 2013 and I worked with her and the letting agency to get the arrears cleared. As soon as this was done I sent 30 days written…
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Dead tree near property and damaged boundary wall
We recently moved into our new home, and did know about a 30ft horse chestnut tree on the other side of our rear boundary brick wall. I would say its approx. 20ft from the house, so within striking distance if it fell over. Prior to our home buyers survey, I did mention to the Surveying company if they would comment on the…
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Ground rent late Fees disproportionate
A friend is in dispute with her Ground Rent company on her Flat (company is Simarc) They are saying they have sent her ground fee bill out by email in January and a reminder in February she has never reiceved the invoices, they are saying that she now has an additional £96 late payment charge on a £156 original bill, thy…
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Dodgy Stipulations in Tenancy Agreement
Hi guys, I'm just about to sign a tenancy agreement on a flat but there are a few paragraphs in the agreement that I think are a bit unreasonable and perhaps against the law. one paragraph is stipulates that I take over the existing utilities accounts including existing telephone and that I can not change these without the…
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Scared about credit check
My partner and I have applied to rent a flat we are just waiting to hear back from our credit/ref check. We don't have any CCJ's and haven't been bankrupt......I ordered a copy from experian and found there is a default from 2009 will this make an impact on a credit decision are we likely to fail now?
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Money owed from a private house sale.
I sold my house in the recession and the only way to do so was to allow the purchaser to pay in three instalments.I had a legal agreement drawn up and both our solicitors were involved.The amount involved was £125K.He made 2 payments totalling £115K which are traceable via our respective bank accounts.I have tried to…
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Buying A House To Do Up
Hi, Looking for a bit of advice please found a nice house with a super garden nice and large but inside it needs a lot of work, I think its worth taking on as a project but i would like to verify with someone the costs to do what i sm thinking of before i proceed any further to see if its worthwhile. So house i am buying…
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Buyer Entering Property Without Permission
Hi all, Just wanted some advice on an issue that has arisen with our buyer. I will try and be as brief as possible. We accepted an offer on our property which we rent out. The offer was at the bottom end of what we were prepared to accept but the buyer was in a good position to proceed so we accepted for a quick sale. All…
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Furnishing your Home
Hi Just due to complete on first property this week and moving alone I am also going to have lodger in next few months (hopefully if I can find right person) When did you complete furnishing your house after initial move (especially if you are a FTB), Did you take your time to furnish? I feel like I should rather than just…
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When should deposit be paid?
After months of problems, we and our buyers have signed contracts, our seller has been asked to sign soon! We are waiting for our cash buyer to pay his deposit either late last week (obviously not happened) or early this week. We have all agreed on 27th for completion, movers provisionally booked, cats booked in Cattery…
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Returning deposits to head tenant
Hi, I am currently a student, just completed my final year of study. I am currently renting a property, but have just been informed by the letting agency that my deposit will be returned to the head tenant. This tenant I am not close to, nor trust and I am very concerned that he is being trusted with my money. I wondered…
