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History of Bankruptcy, Can we get a Mortgage?????
My Husband and I are desperately trying to get a mortgage. We are buying a council home and have been given a £75K discount, we both work full time with good salaries and permenant jobs. However....my husband was bankrupt years ago and his order was closed off in 2006 and this no longer shows on his credit file which we…
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Consent to let from Mortgage Company
My husband lets out the flat that he used to live in and (better late than never) he's just been in touch with C&G to obtain a Consent to Let. We were terrified that they'd either enforce a higher interest rate or charge us for the CtL, but they did neither. They said that their policy had changed and they were issuing 12…
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Rental property - no inventory & carpet clean clause
Hello, I am shortly moving out of a rented property. When I moved in an inventory clerk did a check in with me and noted various issues with the flat, various lumps and bumps in the wall, it was only surface cleaned, garden a bit overgrown etc. However I have never seen or heard anything further about the inventory. Where…
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Strange email from Zoopla!
So, my OH and I are in the process of selling our home - privately without an agent. We are in the very early stages of this process and indeed the purchaser's Solicitors don't even have the deeds to the house yet as we are still awaiting them from the bank. It's fair to say that completion will be around four weeks away,…
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Guarantor liability
I'm looking for some advice, if someone who signed as guarantor for a rental property now has dementia, are they still liable for any costs incurred to repair of the property if the tenant is evicted due to the state the property is in?
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Advice on Buying 2 bedroom flat London
Hello, I was wondering if you can give me some advice of which area to consider for a 2 bedroom flat in London. Budget is around 400k, I don't care about having a garden, however it is important to have good nurseries and schools close by as I am planning to have a baby soon. I had a look at Southfields and Wandsworth,…
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HOMEBUYERS REPORT - What next????
Hi all I am new to the forum and am hoping you could provide me with some advice.I am a FTB and have just received my Homebuyers report on a property I wish to purchase.There are several 3’s which require urgent attention and quite a number of 2’s – On first reading the report I was alarmed but on re-reading several times…
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Broken washing machine, LL liable for laundry costs?
Hi all, I am renting a bedroom in a shared property and our washing machine has broken. Basically the rinse cycle never finishes and water is left in the bottom of the drum. The issue was detected on 3.5 and I emailed them using the correct format on the 4.5: 'Our washing machine is not working properly. Basically it is…
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conveyancing fees keep increasing
Hiya, I've now completed on my purchase, prior to this I made sure my conveyancer was in funds as per her own completion statement. since then I have received 2 more completion statements asking for over £400-this is an extra half on top of her quote. she is saying that this is due to extra work on the account, and that I…
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Landlord saying house was left 'Filthy' on departure.
We've recently moved out of a rented property because the landlord wanted to sell up. We found another property and moved out ASAP as we recognise it's his property to do as he wishes and had no desire to cause problems. This is actually the second time we had lived in the property as he did the same previously and came…
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How many days notice?
I have a rather casual rolling contract with my private landlord. When moving in a while ago I asked about notice and he said we'll sort something out when the time comes. Being an excited young 20 something moving out of my parents house, I didn't care at the time. My rent comes out on the 1st of each month. Should I aim…
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Selling flat - buyer's solicitor keeps coming back with the same questions
I'm in need of some advice on how to resolve this situation. I'm selling a flat to a buy to let investment purchaser. I don't live in the flat, it was rented but currently vacant. However, in a separate transaction, I need the proceeds of the flat along with the proceeds of the sale of the house I'm living in to purchase a…
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Lease inc. foundations and exterior walls - deed of variation or indemnity policy?
Hi all, I am a first time buyer who had an offer accepted on a flat back in February. Everything has progressed well so far with my solicitor stating that he only needed the copy of the original lease from the vendor (they originally only supplied the lease extension) and if that was all in order we could progress to…
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New build negotiation - 2014
Hi, I am going to negotiate to purchase a new build on Sunday. Can anyone supply some tips? For example, I intended to haggle for carpets and kitchen upgrade. Reading some posts here, it seems I should be asking for money off the listing price - up to 10%. However, the posts I refer to were from a few years ago (2008 and…
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Restrictive covenant advice?
Hello, We are in the process of buying our first house and are hoping to exchange soon. The process has been delayed by a covenant in the title deed and the inefficiency of the vendor's solicitor. The house is 3 years old and was built on land belonging to an ex-council house. Our solicitor is concerned by the following…
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Mortgage on new conversion with 10% deposit?
Hi all, Today my boyfriend and I had an offer accepted on a property. It's a flat within a Victorian conversion, and here in lies the problem. As the conversion is new (prior to the sale, the property was still a house, we are hoping to buy one of the three flats it has been split into) we cannot find a lender who will…
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Advice on buying a new build on unregistered land
I'm looking at buying a house which is on a housing development on unregistered land. The developer built houses on the land 5 years ago and he has no plans to apply for ownership titles as the council/mining company may try to claim the land also and it will also invalidate the indemnity insurance as soon as he does this.…
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Bad Landlord help
Hi all We have been renting a property for the last 5 years, no deposit, no contract,, an agreement between friends. We have now been told the landlord wants the property back due to him splitting with his partner( 3rd time in 5 years). We have always struggled to get things repaired, very damp living room with a leaky…
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Reassurance - Repo Buying
Evening all, I'm obviously going to query some of the below with my conveyancer but wanted to canvass opinion of the knowledgeable folk on here, for reassurance more than anything else! After months waiting for an offer on our place and a few weeks of searching we finally set ourselves on a relatively big semi in a nice…
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How much to repair when selling?
I'm considering selling my house but it needs some repair work, namely: - fix flashing at roof level to stop penetrating damp and re plaster wall where damp shows - reroof bay window as it leaks when rain is driving against the front but not normally in rain. - re paint wooden windows after a crap job by builders a few…
