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Renting credit checks question
Hi just looking for a bit of advice and opinions, last year we applied to rent a house and our credit checks were done with homelet, there was a big problem and the person then told our estate agent that we had passed or something and then apparently there was a misunderstanding and we hadn't passed due to my partner…
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Tenant request
Hi Guys, I have a property I let out (all above board, consent to let, tax paid, repairs done etc.) Current tenants have asked to change the water to a meter rather than paying rates as they don't use very much. Background: My current tenants have been with me for about 8 months and are now on one months notice from them…
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Need recommendation for paid solicitor/service to review let tenancy agreement
Hey, This is Cassie, how are you? I am letting an apartment for 12 months in London and have received the tenancy agreement/contract from the letting agent. Can anyone recommend an affordable paid Solicitor or a service that can review the contract? I will the appropriate fee of course. Thank you!! Cassie
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opinions on this house and how to improve
can I ask for your thoughts on this house? http://m.zoopla.co.uk/for-sale/details/33641444 How could you improve it.....its pretty small so extending at the side or rear would help but is pricey. Ideally would like to get rid of garage and have 2 storey side extension...how much would you say 40-50k? The soil pipe and…
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Do I have to take a fixed rate deal?
We're looking to move house in the near future, but the mortgage deals that we could get from the bank include fixed rate deals that are higher interest than the bank's SVR. I'm just wondering if we have to take a fixed rate deal or whether we can just go straight onto an SVR? Thanks Andy
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Parent splitting there house and selling part to me
Hi, This is a bit complicated but here goes..My parents have a large INTREST only mortgage on a large 6 bed property, They will never be able to pay the mortage off when it finishes in 12 years. They love where they live and we have an idea to split the house into two houses which I will buy from them and live next door.…
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Surrender of rental tenancy/ habitable room now being described as a cellar.
I wonder if anyone can help with my conundrum. My husband, 2 year old daughter and I have been renting a 3 bedroom house for the past 9 months, with the 3rd bedroom being a cellar. We took on the property (knowing that it was aesthetically tired) because my husband works from home so we planned to use the third bedroom as…
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Moving half way through mortgage deal
I bought my house for £133k 2.5 years ago and that was for a mortgage of £119k. It was a 5 year fixed deal and today I looked at the contract just to see what it said about moving. It says "You can move with the same terms/conditions and rates". I'm a bit confused about how that would work. Say I wanted to buy a house…
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Survey for buying house.
we are in the process of buying our first house. Had valuation done by the bank and they wanted a structural engineers report. We got this done couple of problems which sellers paid for. Mortgage offer has been issued. I am now wondering if I need a homebuyers survey? We always had the intention of having one done but…
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please explain something to me...
right my partner and I are taking out a mortgage: deposit: 22,500 house price: 150,000 LTV: 85% we are taking a 3yr fixed deal with nationwide. now I understand there is an ERC during that period BUT what I don't get is... is there an early payment charge AFTER the three years? Because ideally we would like to get our LTV…
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Credit Score.
Hello, this is my first time on here and am really hoping i make sense and can get some help with my current situation. I have tried to secure a Buy to Let Mortgage. I have no poor credit (or so i thought) and pay everything on time. Me alone i have a good credit rating However, my mother, brother and i brought my father…
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Extending leasehold
Since putting my property on the market, I've discovered I'm below 80 years on the leasehold term, 75 years to be precise. I've had about 5-6 views on my property with one investor declining based purely on the length of the leasehold term. There are a few other properties similar to mine for sale which are valued at the…
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Extension underpinning
We were ready to complete on our purchase this week when the local authority search came back to show that there was some underpinning done on the property as part of an extension that was carried out by the lower ground floor flat. I’ve scoured the internet and of course, been overloaded with differing opinions, on the…
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should I show buyers around or let agent?
House just gone on the market, is it better to let the experts show people round, or should I? Is there much in it? Im thinking the agent will know all the right things to say, and sell all of its features, but what's everyone's opinions?
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Evidence of Credit check
My son is renting his first flat following Uni. He has been asked by the letting agency to provide evidence of a credit check or pay £60 for a company to obtain it for them on his behalf. How does he go about doing this himself? I might add he is fortunate to have no debt and has no credit cards.
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Land Registry Delays
I wonder if anyone has any knowledge on this. I have a new-build flat that I am currently selling. The flat was rebuilt after being destroyed in the rioting three years ago. The flat was handed back to me at the end of May. The lease was extended at the same time, and the lease has to be reassigned by the Land Registry.…
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Halifax - letting options
Hi I am seeking a little advice please before I approach my mortgage lender, Halifax. I am looking to move out of my property and hopefully rent it out but have heard a few horror stories in this regard. I had a two year fixed rate deal when I first bought the property which subsequently ended in April 2013 and moved onto…
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Co-ownership NI - My Story
*also posted in a mortgage forum* Hi all, During the application process, I searched for a lot of Co-ownership threads before, was unable to find many which are less than a year old. So I thought I would register and post for the first time, in case sharing my experiences are helpful for those making the first steps in…
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Selling my part share of my mothers house?
Can i sell a 1/4 share of my mothers house that I own? My mother is still alive and living in the house and owns 50% and my sister owns the other 25%. Can i 'cash in' on my share by selling on my share to someone else? My sister is not in a position to buy me out so maybe I can sell to a private buyer? Is this…
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Solicitor price gouging - next steps?
Forgive me, O Lord, for I have committed one of the greatest moneysaving sins - I have used the solicitor recommended by our estate agent.... We asked the EA to recommend a solicitor for our sale & the onward purchase. They said we'd hear something in the next few days. The solicitor delivered some paperwork to us…
