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FTB with historic PDL's!? help...
Hi All Long story short, i'm 26 and living with parents. My dad lost his job a few years ago and in order for my parents to keep up with the bills and not face losing the house whilst he was out of work, I contributed a lot towards the bills. Wasn't earning a huge amount at the time (about £18-20K) and rather than being…
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No fixed abode
I'm selling my house. Then for a year or so will be living in various self catering places - 2 weeks here, 3 weeks there. I want to maintain a postal address. What is the easiest way to do that? My problem is how I stand regarding bank accts, credit cards, doctors, etc and things where I might need to state an address.…
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Exchange of contracts - why does it take so long?
I think the buying process is rubbish as there is no protection from financial loss if either party pulls out. Why does it take so long?
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Homebuyers survey report
We are in the process of buying a bungalow and we have paid for a homebuyers survey, privately. As we need to transfer a very small mortgage, (remaining on our current property), our mortgage lenders are charging us £273 for their surveyor to value the property....As the survey we paid for had a valuation included, why…
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Advice please...Rent or Buy?
Hi, my mom is a retired widow and with proceeds from a property sale abroad shes wondering whether to rent or buy? If she buys she will be mortgage free but responsible for all maintenance on house. If she rents she will have loads of money in bank gaining interest and someone else will be responsible for maintenance. I'm…
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Advise Needed - New Build
Hi My wife and I have recently put our reservation fee (£1000) down on a new build property by Bellway homes. This was done last Sunday (18th January) At the moment that is as far as we have progressed, we have a mortgage adviser visiting us next Tuesday (27th January), and we are looking at solicitors. However we have…
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Damages before moving in
Moved into a fully furnished rented flat in November. During the viewing with the LA we noticed a number of damages and reported these, we were also advised of an iron burn in the carpet that the LL was aware of and was going to get a new carpet replaced before we moved in. We moved in and none of the damages had been…
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How much to offer on a house?
Hi, me and my partner are both nearly 22. We are both first time buyers with no chain. We have seen a property we like. Please see 3 bedroom house for sale: Kingfisher Court, Normanton, WF6. Currently priced at £137000 It is a great price as it is but wanting to get the best deal. How much should we offer. Also we arent…
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luton house prices
my boyfriend and i have saved up to get a deposit and have a mortgage arranged to give us a budget of about £185k. we had started looking for 3 bed houses with good access to the train stations, but preferring LU3/LU4 as we both have family and friends near by. what has happened to Luton, prices have gone mental in the…
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land Registry Weymouth office backlog.
I staircased on a shared ownership property to 100% back in June last year. As initially the property was leasehold and after staircasing an application was sent to the Land Registry by my solicitor to make it a freehold. The application was sent by my solicitor in November (no idea why my solicitor delayed it that much!)…
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Paying money to solicitors
The time has come to pay our deposit and fees to the solicitors. The total of this is quite a large sum. Can I do this via my normal online banking? Payments are normally done as faster payments then?
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Paying money to solicitots
The time has come to pay our deposit and fees to the solicitors. The total of this is quite a large sum. Can I do this via my normal online banking? Payments are normally done as faster payments then?
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Buying a new home with proceeds of current home
We are looking to purchase a new property in the next few months and we will be selling the property we own outright to do this. This means we will not need a mortgage as the property we are selling is currently worth more than the one we are buying. My question is this. We would not have the cash for a 10% deposit readily…
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Letsure tenancy references
We have recently filled in an application for a comprehensive tenants check with Letsure. They failed our application only because we have an overlap of three months between our current tenancy contract and the new contract. We can afford this overlap financially, and also provide evidences to support this. We have been…
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Conveyancing in 28 days
Hi, We are looking to purchase a repression property and the vendor would like to complete within 28 days. Does anyone have any experience of firms that can complete in this timeframe? Would it be better to use a local firm or an online firm that advertises to complete quickly? Firms that I have found online so far are:…
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Existing Section 106 Agreement - Can I challenge this
I have a property which I purchased in 2006. When I purchased the property I was aware this had a s106 agreement attached to this with the obligation in respect to selling it to a person of a specific age who had lived in the town for a period of 3 to 5 years e.g. a persons under the age of 30 who had lived in town for…
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Nightmare!! Titles for garden not transferred to our name when we bought property
We are in the process of selling our house. We were told 6 weeks ago that when we bought our house in 2003 which was built in 1998 there was 2 sets of titles for the property. One set of titles was for the house and part of the garden and the other set of titles was for a further section of the garden. When we bought the…
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Indemnity Insurance for Unadopted Road
Hi Everyone I have several threads going on this forum regarding my situation regarding the house I am selling that we have just found out that the part of the road that I live on (extension to existing road). Buyers are being OK about it but wonder whether anyone has had experience of buying indemnity insurance for this…
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Changes to tenancy - removing a previously included utility
I've been renting in a houseshare for several years, with the agreement being that my monthly payment covered rent plus any associated utilities for myself. I have two housemates that have the same arrangements with our letting agent. My tenancy is due for renewal in April 2015. The landlord is asking for a small rental…
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First time landlord questions
Hi I will soon be renting out my property and am going to manage the property myself. What are the legal responsibilities i have to comply with as lots of information out there recommends the following- electrical safety certificate more info on this, EPC ccertificate is this a legal requirement???, i have mains operated…
