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Selling using Aventria
Hi I've spoken to an advisor at London & Country (as recommended by a friend) about getting a new mortgage when we buy a new house. He's got a company called Aventria Asset Management to contact me offering their services to co-ordinate the sale of our house (be the single point of contact for estate agents, solicitors…
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Restrictive covenants on extension
Seeking some help for a rear extension we would like to build on our house. It's permitted development and the plans have all been drawn up and a lawful development certificate issued. However, we have restrictive covenants in our deeds from local house builder, advising that we have to ask their permission for an…
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Wanting to Buy now - ending AST early?
Hi guys! We signed a new 12 month contract for our apartment 6 weeks ago but we have decided that we would like to buy a house ASAP. Before anyone says it, I know it seems silly that we signed a new contract for 12 months but at the time we didn't know enough about our situation to be in a position to buy (my husband has…
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House Selling Frustration
Im really frustrated with selling our house its been up snce start July which I know isnt very long but we have had thre viewers this last two weeks, one said too expensive and didnt get the feel, another too small bedroom and another too small bedrooms I mena seriously the house is listed with a floor plan and measurement…
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capital gains
ive rented a house out (2nd property) for 5 years and am now selling. what can I expect to pay in capital gains. Purchase price £88k Selling price £135k. Mtg payment interest only £480 pm rent received £550 per month. Mtg in joint names. Lived in property 1 year before renting out. I work part time under tax threshold.…
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Party wall agreement when no occupant?
We have (finally) moved into our new house and we intended starting the process of building a single story rear extension straight away. However, the neighbours have just informed us that the house next door has been unoccupied for circa 10 years. I have the owners names from land registry but that doesn't help if the…
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how are single people supposed to afford the price of rent/housing is increasing?
hi everyone. i am new to the forum, but i've been lurking for a while. i am starting to find it incredibly difficult to afford a place of my own. in the area i live (south east england) it is becoming more & more expensive to own your own place. i have a girlfriend, but we've only been dating a very short time and i am not…
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do you get your sinking fund back
if you buy ex council flat you pay service charge, but no sinking fund as councils are forbidden, hence you put away money in bank to cover major works. so if you sell later and no major works has done, the money is still in your bank. But if you buy a private flat you pay a charge which covers service charge and sinking…
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Do I hang on or do I go?
Hello everyone and apologies for the long post. In March 2014 I offered to buy a property under a shared ownership scheme. I went through a rigorous mortgage application that took a total of 3 days at 2-3 hours session per day but was finally approved on principle. My application to the Housing Association was also…
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Charges on a Title Deed
Hi all, I've been looking at a property that's recently been reduced from 240k to 220k. I'm quite interested, so purchased copies of the Title Deeds (there are two, one for the building and one for the land behind but it is being sold as one). Both belong to the same person but on the land one it states they are bankrupt…
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Planning issue with granny annex
We are in discussion with planners regarding a 'granny annex' on our property. We have lived here 16 years. When we purchased previous owner had rented out main house and was living in flat above our large detached garage and running a business from there (factory in garage, offices, kitchen, bathroom and bedroom above)…
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Corgi gas certification question
I am selling my house. Buyer's solicitor is asking for a Building Regs Compliance Certificate for gas (which would cover installation of a new hob in new kitchen extension.) I have a Corgi sheet called 'Gas Safety Inspection' (this has installers details and appliance details etc) which specifies boiler and hob inspection.…
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Selling my shared ownership home - survey valued to high!
I am selling my shared ownership home which I 50% own with Midland Heart Housing association. With very bad customer service from Midland Heart I was given instructions on how to proceed. As my neighbour was already keen to buy the property I knew I had a buyer and keeping a close eye on properties being sold on our street…
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Lease issue.. Deed of Rectification!?
Hi all, We are currently in the process of seller a leasehold flat. However there is a bone of contention between that of ours and the buyers solicitor over the wording of our lease. Our lease uses the term "plan B" to refer to elements of the lease, however no plan B exists. This has been discussed with previous…
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Mortgage v Savings Question
I have a question about paying off a mortgage. It's also about savings and investments so I'm posting it in two places (I also posted it to House Buying, Renting & Selling). Apologies for this but I really struggled to know quite which which thread to place it in. I'm due to get a chunk of money from my parents shortly,…
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Tenants splitting up, one tenant wants to leave, the other stay
I wonder if you can help. I have a property that I rent out to joint tenants. They were both credit checked and referenced at the beginning. They have now split up and one is wanting to leave, we have been contacted by that person saying the other wants to stay we have not heard directly from that person. The referencing…
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Anxious about moving to London. How can I prepare over the next year?
Hi everyone, long time MSE fan and hoping for a bit of advice. I'm living with my partner in the north west and we're planning to move to north west London next July (he has family and friends there). I'm excited about it, but I'm worried about the expense. He's about to finish an MA while I'm working two jobs, one in a…
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Consent-to-Rent
Hello, Does a Consent to Rent from a mortgage lender usually have a short expiry date on it? i.e. they give you Consent to Rent but it is only for 1 year maximum? Thank you in advance.
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Would you buy a house with a north facing garden?
We currently have a south facing garden. We are moving house and I have always had in my mind that we need a house that is at least S, SW or SE, but in the areas that we are looking at there are not many homes for sale, most being north or north east facing. Any thoughts on north facing gardens, do they really get no sun?…
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Buyng a property in Scotland
Good Evening All! We are new in the country and have put an offer for a property in scotland after getting an AIP from Halifax. Property is in a desireble area. Offer verbally accepted on a Friday 16:00 at the valuation price. Mortgage submited on a Tuesday due to bank holiday on Minday. Now (after three business days) the…
