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How much should I save for fees?
Hello, I'm starting to think about buying a house, I have one savings account for my deposit and a separate one for fees. I currently have £400 saved towards fees, in my mind I'm planning to aim for £3k (I have no idea where I got this figure from!) I'll be looking to buy for no more than £130k, so stamp duty won't be an…
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Joint ownership, partner moving in, advice needed
My partner has been living with me now for a couple of years and we're selling her house and considering paying the mortgage off on mine. The outstanding mortgage is approximately 50% of the current value of the house and the equity from her sale can cover this. We are curious about the costs of changing the deeds and…
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Need advice on getting Electric, Gas & Water utilities for the first time
I am a first time buyer and would like some information on how to best find myself the 'best' utility deals - as a first time buyer I cannot switch 'perse' so cannot compare it to any previous deals I have had. I work full-time (9.30 - 5.30) so generally would be out during the day & home on the evenings and weekends. My…
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Council house wanting new partner to move in ? He rents a house out. Advice please.
Hello i am a single part time working mum and have met a guy we have been dating a while and looking at the next steps. I live in a 3 bed council house which is my children's family home and have no wish to move. He lives at home with his mum and rents his own 2 bedroom out after a breakup. If he was to move in is that OK…
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Not enough interest in my home that I need to sell, any advice please?
I am hoping to sell my 4/5 bedroom detached home in South Wales ( we are an hour west of Cardiff). It is situated in a very nice cul de sac where homes rarely come to market. A couple have sold for £250K in the same cul de sac however my home had a major two story extension in 2007 with major upgrades to the kitchen,…
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Property Lease Extension
Hi, Looking for help with a lease extension of my flat so I can sell it at its true market value price. yrs left on lease is 76yrs. So I know it needs doing and will cost 10k plus roughly. I also know this process will take a while, especially since the freeholder wants to buy the flat at a huge discount, so he will drag…
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Purchase fallen through
Put our flat up for sale at the start of July and were thrilled when we were under offer after only 3 days (must be a record) So then it was a case of finding a place we liked for the right price which after a couple of weeks we did, so all good. Over the last month we have been getting frustrated by our buyers asking…
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New built house builder giving us refund 2 weeks before move in!
Well We have exchanged contracts back in July on a new build After various visits we started seeing bad workmanship so we emailed the builders saying we wasn't happen. The owner of the company arranged a meeting today (Sunday) So we arrived and off the bat said ill refund your full deposit and send you on your way! All we…
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My rights with money left after sale of our house.
Hi, Me and my ex bought a new home in 2012 via a first time buyer scheme, where we were loaned 20% to the value of the house and only had to pay 5% on the remaining amount that worked out around £11000. At the time I had about £4000 saved and my ex about £12000, though my income was £33000 pa and his £16000 pa. He ended up…
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Cant Sell may Have to Rent Question...
Hope someone can offer some advice, so thanks in advance. I moved into a new house last year with my Partner (without selling exisiting house), and have slowly emptied the old house and redecorated it over the last year. The old house has been on the market for some time (4months) now but the market for whatever reason is…
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Tenant / electrics question
The tenants moved into our property at the beginning of September, my husband has just had a phone call from the female tenant to say that her partner has been drilling a hole into the wall to put up a shelf (without our permission) and has managed to drill through an electric cable and cut the power to the house. Are we…
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Advice Needed
My Sister and her husband are both failing health wise and it would be sensible to move into town. Where they live at the moment is outside town in a very hilly area in a 3 bedroomed house which they own and is mortgage free. So the best solution for them would be to sell their house and buy a downstairs flat in the town…
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Has anyone spotted their own house on here?
I just wondered. Sometimes when reading I think it sounds like my house, or more often a house that I have looked at with a view to buying. So far it turns out that it's a different house, but I'm sure someone has spotted theirs on here!
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Land registry and boundary dispute
Hi hope some one can help me I am posting on behalf on my elderly parents who have lived in the same house for over 60 years. There has been a low level chain fence between two properties for at least 40 years most likely longer there has never been any dispute with previous owners. Now the new owners have produced a…
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Damage to rental property
Good morning all, Long story short, I have rented for approx 16 years (various properties) and have always had the vast majority of deposits back in full (wasn't so easy before the deposit scheme days :D ) I am horrified to discover that after 13 months of being in this property, there is a chip to the kitchen worksurface.…
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At what point exactly does a Title Plan get done on a house?
If a house doesn't currently have a Title Plan (ie from having last changed hands before Property Registration came in) then it will obviously get a Title Plan the next time it changes hands. At exactly what point does that Title Plan get done and become available to buy a copy of? Is it the second the house goes on the…
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1st time buyer - self employed - apartment or no?
This is probably one of those crazy 1 am posts I moved back to my parents after renting in another city for 2 years with my ex partner. Ideally I'd like to meet someone and then rent or buy and settle down (meeting and renting/buying are not interdependent obviously) But getting frustrated being back at home at 31. Friends…
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Letting agent troubles
Hi everyone...my first ever post! I have a question about my tenancy agreement...I am a tenant renting a property in an area that's 80% students, but I am working full time. My agreement says I must give 2 months notice to vacate, my contract ends in July 2015. However the letting agency are already arranging viewings on…
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help deposit locked away till january
hello I have found a flat for sale its on the market for 95k my bank will only give me a 60k mortgage but I only have 30k, 18k in my bank 12k my mum is lending me plus I have 29k lock in a firstsave bond account locked away to January is ther any way around this problem
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Mortgage broker
Hi, I am a FTB looking to buy on the help to buy scheme, I have found a property with Barratt Homes at £160k, I have a £35000 deposit. I am looking for a mortgage advisor/broker, can anyone recommend someone? I want someone who really knows there stuff to find me the best deal possible, any recommendations much…
