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Buildings Insurance for Exchange
Hi, I'm waiting to Exchange on a house purchase, and am thinking about buildings insurance. How do people go on for finding the best deal on insurance without credit checks? I'm wary of having multiple credit searches show up whilst our mortgage lender can still check us upto completion. Is there a way of getting the best…
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Problems with rented property
Hi everyone, hope I'm posting this in the right place :) My OH and I have been living in our rented flat for 8 months and it's really nice. No complaints...until now! Two problems which are oddly connected: 1) My allocated parking space has been moved (no idea why, but we all got shuffled around the car park) and since…
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Selling property, no Building Regulations Compliance certificate for installed boiler
Hello, I had a new boiler installed in Nov 2009. I never received any Building Regulations certificate for it. Now I am selling my property, and the buyers' solicitor's local search did not show such a certificate was issued. They are now asking me to pay for an indemnity insurance policy. The installation was done by a…
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Will knocking down garage reduce my property value
Hi, I am almost done renovating my two bed bungalow which I have added a big extension at the back to create two extra bedrooms, two bathrooms and a massive kitchen dinner. The whole bungalow is going to be rendered and painted white. I was going to do the same for the garage too and have a new garage door. Now I am…
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'Offers Over' in Scotland - how much above this are selling prices at the moment?
We are looking to move back to Scotland (we’re currently in England), but unsure about what sort of prices houses listed on RightMove etc are likely to be going for in the ‘offers over’ system. When we’ve lived there before (before 2009) it really varied depending what was happening in the economy/housing market at the…
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Solicitor
Hello We accepted an offer on our home on Wednesday. How long would you except it to take for your buyers to get back to the estate agent with the solicitor details? Thanks
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Renting Deposit advice needed PLEASE!
Hello I'd really appreciate your input please. I vacated the property on 2nd May 2014( after 3 years of renting). Rent was paid up to the 5th. I kept the terms of the tenancy agreement, prompt notice given and rent paid. I turned the keys in on time, cleaned the property, however, did not manage to cut the grass (grass was…
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How long do you wait for vendors to find somewhere?
We are FTB and our offer was accepted on a house - 4 weeks ago (I realise that does not sound long). We have our mortgage offer done, valuation done and checks are in progress. However the vendor has not found anywhere to move to. The EA say "don't worry, they are actively looking". (I hope so!) We hear nothing from the EA…
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Reserved new build - can I get my deposit back?
I have reserved a new build property through Persimmon homes and paid the £500 reservation fee, I no longer want to proceed with this purchase - it states in the small print that they will only refund me £250 if I cancel. Is there a cooling off period for reserving properties or any way I would be able to get a full refund…
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Stamp duty on Buy to let
I have the opportunity to buy the ground floor flat where I already own upstairs. This would make me liable for stamp duty (total £280000) my question being is that stamp duty tax deductible as it seems a grey area as far as HMRC are concerned
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Renting, what checks will they do?
Hi I've been renting in the same house for 5 years and now need to move and the landlord is selling up. My credit rating has been affected negatively since I last moved and am concerned the check letting agents perform will flag this. The last 6 months I have been managing my credit but I do have a couple of defaults.…
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Arguments caused by Declaration of Trust when buying a house
I am buying a house with my girlfriend. Because I am paying the whole deposit we were advised to get a Declaration of Trust that determines who gets what if we split up. We have separated twice in the past - though at those times we were renting - so it is a possibility The problem is that the whole thing has become a…
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8 yr old new build - developer wants to change driveway
I bought a new build on a new housing estate eight years ago. It has a tarmac driveway at the front which is separated from the adjoining road by a metre wide gravel strip (this gravelled area is part of my property and the gravel was laid by the developer). Out of the blue I have received a letter from the developer. They…
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Help needed to understand what I need to do
Hi I am selling my house to a couple and although they still want it very much they seems to have problem selling theirs (2 sales did not go through since February) So instead of leaving at the beginning of July it will have to be pushed back to god knows when...My mortgage renewal is due at the end of July so I hope they…
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Complete renovation & internal reconfiguration - where to begin?
We're currently looking for our first house, and like many are keen to have somewhere we can put our mark on. As well as that we're finding properties that need work are hanging around the market a bit longer. We've seen a 1930s, 3 bedroom place that needs complete internal reconfiguration and modernisation. In particular…
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Renting without employment
Hello all Does anybody know if estate agents/landlords will rent out a property if you are unemployed but can pay using savings instead? Obviously will be able to provide bank statements and my credit rating is ok. I am currently unemployed but will have a lump sum (estimating around 30k) from the sale of my house once it…
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Help with Rent Deposite
We (myself, Husband and 3 children) are currently living in a HA house with Trent and Dove housing. We need to move asap due to the fact my mum is really ill and she needs a full time carer, she suffers with anxiety and panic attacks so would be better if her carer was not a stranger as she would just panic. She has a…
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New house not complete
Hi, I bought a new house last June. Unfortunately, thee were some minor defects, which I found myself and they have since been rectified. Very recently we had a mouse in the home and noticed behind the radiators were significant holes, where the radiator pipes went to and allowed the mouse basically a secret access route…
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Tenants in Common (unequal shares) and Declaration of trust
Hi, I am buying a house with my boyfriend (first time) - tenants in common unequal shares 70/30. My boyfriend is giving all the deposit therefore he will have more in equity than me in the house. However we will have a mortgage which will pay 50/50. I have several questions about tenants in common and declaration of trust.…
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wall gave away because of damp - who is responsible?
Haver been renting a flat since 1st February this year and am moving out next week. Since day one there has been reoccurring damp issues with mold on walls the first week ( so clearly not because of tenants not opening windows- I n fact, spent the past 3 months with windows always open no matter how cold as I have asthma…
