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Solicitor or Mortgage first?
Hello FTB advice needed please! Today we had an offer accepted on a house (we already have a mortgage in principle), so I was wondering which order to do the next steps? The estate agent have asked to know which solicitor we're using by tomorrow, though we won't complete the full mortgage application until Friday. Should…
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Wait for the right to extend before lease extension or face high fees
After 2 years of ownership, when extending the lease the right to extend is applicable. If you apply before this, your management company will charge an admin/valuation fee and then likely an inflated lease extension price and legal costs. My agent is Pennycuick Collins. They have 2 lease extensions ongoing on identical…
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Leasehold section 20
We have a leasehold maisonette in a private road which is owned by 2 freeholders. One a resident the other a notorious Essex management company. The road is a mess, though its always been a mess and the residents all cope just fine. The freeholders have both issued section 20 improvement notices and one has issued their…
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Redrow, Atherstone Tudor Gardens anyone brought with Redrow?
Hi everyone, We've been looking at a Broadway with a garage and a double drive at Atherstone, Tudor Gardens built by Redrow (we've signed a manual reservation.) Has anyone already brought a house on the development or on one nearby? We're first time buyers and have been given a price of £199,995 off plan due to be ready…
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Is my Section 21(4)(a) valid, please?
I was served a Section 21(4)(a) during the protected first 6 months of my AST. It is dated 11th Aug 2014 (3 weeks before my tenancy went periodic on 1st Sept 2014). My fixed term AST ran from 1st March 2014 to 31st Aug 2014. The date the notice expires is 31st Oct 2014 so it gives me more than 2 months and complies with…
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Gas certificate on buying
Can anyone clarify do I need a CP12 when I buy a house? (gas boiler, cooker and 2 gas fires) current house is rented by vendor privately but does not have CP12 (naughty) but do I need one from him when I buy? otherwise I will prefer to get it all checked at my cost before I move in thanks
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Help, please! We need advice on buying a house!
Right I will try to make this so it is comprehensible.(This is in Scotland, btw) We are very, very interested in a property that costs £175,000. The sellers are interested in our property at £70,000 as a buy to let. Okay, the tricky bit is they don't have spare cash for their deposit as they are relying on the sale of…
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New Home Buy Warranty Question
Im currently looking into a new build that was finished approx 18 months ago. I have a question that I hope somebody may be able to help with. I have asked the Estate Agent what warranty is with the house, as I've been led to believe that all new buildings require this as a mortgage requirement. I haven't exactly been…
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Legalaties of 3rd Floor Rental Agreement
My son a student, is sharing a house with four others, when they originally viewed the house the current tenants showed them round. The house is a 3 storey, they were showed round all floors, with occupants in each floor, however when they moved in they were told they weren't allowed to use the 3rd floor due to there being…
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credit card and deposit
Hey all. I had some great advice here recently, just wondering if i can ask your help once more. Basically, im fed up of renting rooms in other peoples houses. Yes its cheaper, but im currently stuck in a place which is a right dive. Ive managed to get a small extension on my credit card limit. Am i able to use this as a…
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Can I get a BTL ?
I am trying to think about the future and worrying as I have no pension or savings but I do own a house. Current property is worth about £425 K and owned outright, it has 4 bedrooms and once my son moves out I only need 3. My income in low but I manage (single parent) Is it possible to re-mortgage/ get a btl mortgage to…
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to good to be true? monthly payments to own.
Hi everyone, new to the forum so go easy :D . I would like some advise really if possible. Me & my fiancee are looking to get on the property ladder. We currently live with the folks but come across a great house priced at 220k on a new build house that was built 10years ago, great area & on a rent to own scheme. Normally…
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Can a buyer buy the house without going through the estate agent?
Hello, Simple question really... I am selling my home and before I put the house on the market with an estate agent, I had an offer from a family friend, but they were unable to go ahead with anything for about a month. So I decided to put it on the market in the meantime and I got an offer that we accepted but ultimately…
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survey shows ''settlement cracks''
Hi there How worried should we be about - what the surveyor terms as 'settlement cracks' in a house we are hoping to purchase? We are FTB's so not very clued up I am afraid - should we be worried? what should we do?
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indemnity insurance on property-who pays?
just found out from my solicitor he wants indemnity insurance on property i'm buying so covered properly, fee is about £230 for this but looks like vendor expects me to pay half...thing is I've been waiting months and months for them to get themselves sorted so don't feel I should be paying any of this as they are…
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Leave Job and Generate Salary from Buy to Let - advice pls
Hi, I won't go into full details but for a number of reasons want to leave my employment. Have the same dream as a lot of people I suppose: would it be possible to leave employment and earn enough money from buy to let investment? Would be grateful for any advice as to if I could realistically achieve this given my…
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Fixed Term AST end
Hi, My fixed term AST is coming to an end this month. The agency offered us an extension two months before the end of the tenancy, which I accepted. References (there will be a change of tenant) have been provided to the landlord about 3-4 weeks ago but they have not instructed the agency either way. They aren't replying…
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House Conversion to 2 Flats. Planning Refurb
Hi all would it be possible to provide a list in chronological order of how to begin commence with the planning stage of a home renovation. I.e. whom do I need to speak to first? Getting quote from builders? Speaking to an Architect? Speaking to a Structural Engineer? Speaking to local council re: building regs/planning…
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Coach house wanting to buy out leasehold garages
Hello, I own a coach house with 3 garages below. All 3 garages are freehold to me but 2 of them are leasehold to houses over the road. The 2 garages are on a peppercorn 100 year lease that reverts on sale or death to the new occupier. One of the garages has been offered to me as they never use it. Am I allowed to buy the…
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Neighbour dispute in an inherited property
Hi all, this is the scenario: A friend lives with an elderly parent in a flat. The upstairs neighbour had a lot of building work done, which somehow involved a plumbing leak that damaged some of my friend's parent's ceiling and wall. The upstairs neighbour has persistantly refused to take responsibility for this and the…
