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acting as guarantor and getting a mortgage
Hi I am trying to get a mortgage, I am also a friend's guarantor, does anyone know how this will affect my mortgage and if a financial adviser will ask about it? many thanks
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Living with no heating and hot water?
Hi all, Ok our gas certificate was due last Saturday. The engineer came and said there is a problem with the pilot switch and he'd get back to us last week. We haven't heard back from him by Wednesday so left numerous answer phone messages and contacted the letting agency. Anyway we still haven't heard anything back. My…
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Letting agent always finds something to fix in the house?
I've been renting two houses with one LA. The first one for 3 years, the second one for a year. Both HMO student lets, houses built around 1960. Lately I moved farther away from the town that the student houses are, and am now 1.5 hours away, therefore I don't have the time to go and inspect works being done etc. Except…
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Land Registry? Complicated or what!
I am sure not long ago I read that to change a name on the title deeds of my property, (no mortgage) all I had to do was send the original marriage certificate showing the new name. I looked on the Land Registry site and it looks like a nightmare!! I haven't a CLUE what they are referring to, surely it can't all of a…
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Inherited house: need to use a conveyancer?
My brother and I have inherited my parent's house. My brother is the Executor and now has Grant of Probate. That's one hurdle over with. My brother wants to "buy out" my half of the house. Do we need to use a conveyancer for this? if so, how much would they charge -- we might rack up costs for buying + selling. I would be…
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Purchase second home for cash
Splitting up with partner (not married) but want to leave her and the 2 children in the current home. I plan to move out and purchase another home for myself with cash raised by remortgaging the current family home. We purchased it in 1999 at cost of 85k less a 10k deposit paid by me. So plan is to remortgage to about 80%…
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Rent not buy?
Hi all After clawing myself out of debt I am now in a position to start saving for a house (at age 30). However, due to knowing how horrendous it feels to have debt hanging over you, a mortgage seems like a huge commitment and not something I'm totally sold on. Kevin Mccloud of Grand Designs fame recently made the…
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Mr impatient again - whats next step?
Im in a tiny chain (its basically me, im selling to a FTB, and buying a house where they've moved out of). So far both mortgage valuations completed, of my sale and my purchase. what comes next? All 3 of us (my buyer, me and those im buying from) want to complete ASAP, how long realistically could we be looking at? Thanks…
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Mid-market rent help
Hi all. I was wondering if anyone can help me out with a couple of things regarding mid-market rent. - My girlfriend and I are looking to move out into our own place and we are looking into mid-market renting with a housing association. I understand that there is a limit on what you can earn per annum (£36000 for a couple)…
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Surrender tenancy fees - possible next steps???
Hi there I am 6 months into a 12 month private tenancy with no break clause. Unfortunately me and my partner have split up and neither of us can afford to live in the property any more. We emailed the landlord, explained the situation, and offered to give him 8 weeks notice so we could move out, and he could find new…
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Home Insurance
Hi All, I'm going to be getting some quotes together tonight ready for a hopeful exchange date this week! :) I'm aware that when using the comparison sites I need to be wary of what is included/excluded as the cheapest usually are the bare essentials - do any of you have any tips of what to specifically look for or what is…
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Builder, Westbuild Homes refuses to sell to me after reserved (fee paid)
Hi, I have a problem with Westbuild Homes , they are refusing to sell to me a house after the reservation fee was paid and the reservation form signed, prior to this, the builder / estate agent and I had agreed a price. I don't think they should be doing this. They quoted a reason of "extreme circumstances" that could mean…
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Snagging list on new build question
Just a quick one! Snag list.... Is this list thingy done at hand over of keys Or before hand over of keys. We have a long old list I gave the builders last week (hand over date 7th Nov) just wanted to see if others have moved into new builds and they came back to repair the snags or would they go around the house a couple…
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Buying a flat with a tenant already in
We are buying a flat as an investment which already has a tenant in. Is there any obligation on us to use our seller's letting agency? I can't see that there would be but what if the deposit is lodged through their letting agent? How would this work with the deposit?
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Don’t panic!!!
Don’t panic everyone – the !!!!! in the threads are due to spammers not a virus on your pc. The MSE Team are working on it :) .
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Basic Valuation or homebyers report?
We have already paid the £220 for the basic survey but are unsure if we should upgrade to the homebuyers for an extra £180? When we bought our house 9 years ago we has so much go wrong from crappy leaking guttering to a leak in the kitchen. We regretted getting the basic survey. The house we are buying already has had a…
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Is it normal for sellers to take over a week to sign and return contract?
So apparently docs were sent Thurs before last and yet its not been returned to solicitor yet! Does it usually take THIS long for sellers to review all contracts to then sign and send? I went about 2mths ago into my solicitors office to sign all my paperwork and been waiting!!!
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We have just got a 2nd house, do I renovate to sell, or renovate to rent ?
I don't know if this is the correct area of the forum to raise this question, but I'm in need of some advice. I'm not posting this to come across smug, as I know that a lot of people are struggling with money, which ultimately is why you're here, but I'm in a situation that I don't really know what to do. Overview: My…
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Va!!a!!!! !!!v!y way !!! !!w
We are in the position of trying to buy our currently rented property from our landlord through a private sale. We negotiated a price of £169k and have been approved for a LTV mortgage of 80%. The valuation survey has come back with a value of £140k and whilst we expected it to be a couple of thousand less, this is such a…
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Mr Jess
My wife is a non tax payer. We are in the process of letting our property which is mortgage free. We are joint owners, can we use my wifes name as the Land Lord in order to save on tax paid. Will I have to get a self assessment tax return as well as my wife.
