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Buying a flat without an NHBC
Hello all Got a bit of a problem that I need your advice with. My mother has had an offer accepted on a flat that she likes. It's a new build but unfortuantely there's no NHBC as the owner/builders went bankrupt shortly after completing the flats. The flats are now owned by the bank and have been put up for sale by them.…
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id/proof of ownership needed for planning permission?
HI, my upstairs stairs neighbour wants to build into the roof space. I don't have a problem with that as such but it is a bit unclear as to whether he actually owns the roof space. I think he may be trying to pull a fast one by asking us to agree 'in principle' to build up into the space. Is also the sort of person who…
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Hi all, Please help.
This is quite complicated so I will try to get all the facts in so that somebody can hopefully help us. We are currently trying to buy our Council house and have started the process called Right to Buy. The house has been valued at 82k, with our discount we can buy it for 41k. We have around 10k to use as a deposit so we…
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sell up my leasehold and go private rental?
looking for some opinions and advice on my situation and what i should do longer term about my housing: i have no dependants. i have good credit but no employment at the moment, my income is around 750ish pcm. i own a leasehold flat which was bought just before the financial crisis of 08. there is 85 years left on the…
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First time buyers - 5 months and counting :-(
Friday will mark 5 months since we offered on our house. Our mortgage offer runs out 12th October. The chain is not complete and the seller is being tricky. No one can tell me anything apart from 'there's nothing you can do' I am getting seriously fed up and think my husband and I are stuck in an impossible position. I…
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Undertaking for lease extension
I am buying a flat in a building with 4 flats with a share of freehold Flat currently has 70-ish years left on the underlying lease apparently the current freeholders all had the lease extended to 999 years BUT there is some issue with the deed of variation that they signed Vendor's solicitors are saying they are happy to…
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Checkout fee??
Hi everyone Just handed in my notice on my rental property only to be told there is a checkout fee of £60 that will be deducted from my deposit! Is this legal as I thought I had to agree to any deductions being made (or go to arbitration)? Also I don't see this fee anywhere in my contract and was unaware of it until now.…
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Land ownership
Hi all, I'm after some advice. Could anyone tell me who is responsible for chacking land ownership when buying a property. I ask because after buying my house, I have been informed that some of the land within my borders belongs to the local council.
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Landlord withdrew reference
I got a reference from my old landlord through Keysafe. Since then things have been ticking on with the new place. The (new) landlord approved my application and the landlord and myself have signed the agreement (though the agency hasn't signed yet, I think). I've also paid the deposit, first month's rent and agency fees.…
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Property Factors
My factor (Ross and Liddell) has added a £15 admin fee to my account for late payment of an invoice which I never received. They have subsequently provided a copy invoice which merely states "advanced invoice for 02/08/14 to 11/11/14". Is it legal for them to charge an admin fee for an advanced invoice?
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FTB; Offer accepted but EA wants £1000 holding deposit
Hi As a FTB I am not sure what to expect (despite having read through all the forums etc) but as title states, I had my offer accepted on a house last week. The estate agent then asked for a £1,000 holding deposit which I thought was strange. I'm in Northern Ireland, but having asked around, no one I know has ever been…
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Part exchange for new build in current market
Hi, I have been reading a few older threads here about the pros and cons of buying a new build property and part exchanging existing properties. I have been looking at a new house and have decided to see if I can part exchange - I have a valuation booked in for tomorrow. Reading older threads (2012 and before) most people…
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Mortgage Guarantor
Just wondering if anyone knows if you can have a Mortgage Guaranteed by parents? Thanks
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How fast were your packers/removals?
We are moving from a 4 bed house with what I imagine is an average amount of stuff for a family with 2 kids, on Friday and we are using packers. They want to come in early on the morning of the move with a couple of extra men and pack and move in the same day. I'm worried they won't be ready in time for completion and…
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Frustrated!
Just wanted a little rant, found out last week we may actually be able to complete Friday this week...cue nothing booked or organised but we have been waiting ages so are happy to try! I spent all last week pushing for confirmation so I can at least sort out any van guys to move the big stuff, but no reply all last week.…
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End of tenancy: carpet life
I am in my rental cleaning carpets ready for end of tenancy check out. Even after cleaning they are not going to look too good. IMHO this is because they are worn out. It's cheap waffle carpet. In high and even medium use areas there is very little waffle left, it's worn flat. I've been here nearly 3 years. The carpets…
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Rented flat - who is responsible..
.. for the TV aerial/TV point? We live in a rented flat and have been there just over a month. On Sunday morning it became apparent that there is a problem with the TV point in the living room. We're no longer able to receive TV through it (there is an error message on the screen saying no channels have been detected,…
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Obstructed hallways in shared property : landlord's responsibility
Hi, I live in a purpose built block with about 15 flats where nearly everyone in each flat owns a bike which they park the halls and common areas of the building (that's nearly 2 dozen bikes!). This is a HUGE issue since bikes obstructing the hallways and chained all the way up the stairwells to the point where we are…
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Selecting a solicitor
We've had an offer accepted on a house over the weekend. yay! Cue many more questions from me over the next few months. How important is it to select a conveyancing solicitor that is on the lenders panel? How do you find out if they are? How do I select a surveyor or do I upgrade the lenders valuer to the survey type I…
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Financial planning to upsize house. HELP
Hi there. I am after some advice. My wife and I are looking/needing to upsize our house within the next 2 years due to my wife expecting our first child, hopefully 2nd would follow on straight after. We are in somewhat of a pickle and my head is minced trying to find the best solution. We currently have 120K left on the…
