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FTBs with no furniture etc, how much have/did you budget?
Just wondering how much those of you who lived with family or were in furnished accommodation put aside to furnish your first house. Did you have a fund of X to do it, buy the basics and save up over time for more etc. I know it could be how long is a piece of string, some things included etc, but was wondering if anyone…
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Ladybrook securities - cons
Nasty people. Claim redemption from rent charges by using Department for Communities and Local Government 03034444560 Send Ladybrook a recorded delivery letter paying the outstanding rent. If you get a threatening s.146 letter from them adding further charges, report to the police and insist it is a crime 'demanding money…
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Moved in Nov, found old title deeds
I sold my flat in November and bought a house, while unpacking I've come across a thick envelope with the title deeds in it for my old flat, what should I do with them??
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Require house plan from 1948
We're planning an extension to our 1897 terraced house. The architect says he's spoken to the planning officer and that planning permission would be required. The builder has done many of the same type of extensions as buy-develop-sell and says it can be done under permitted development. I'm not trying to cut corners (I…
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Ending lease early
Hello, So I have had an offer accepted on a property, mortgage approved and looking to complete at the end of April. I am currently in a rented flat and will be looking to end my tenancy early. First of all this is in Scotland in case law are different here. This is the details of my lease agreement: I guess my questions…
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Home Report Value
Hello, Little question about home reports values. I'm going to be putting in an offer on a repossession which is valued at £90k and is offers over £85k. A friend has said that home report values don't take into account any particular view the property has. Is this correct? For example, if a property had a view of…
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Agent sold the house during the fixed term tenancy agreement
Basically, long story short. i rented a room a month ago on 12 month fixed term contact. yesterday, all the tenants received a phone message saying the house is sold and we need to move out in a month. is this legal? it says in tenancy agreement we need to receive a letter as well as 2 month minimum notice. we haven't seen…
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Transfer at Undervalue / Insolvency Indemnity Insurance
Hi Guys, I've been reading a few threads on this subject but I can't see any that match my specific circumstances. I'm buying my Mums house for around 85% of it's value. Therefore, she is gifting me 15% value and I'm not actually paying any cash as deposit. (mortgage offer was based on 85% LTV anyway, it may not actually…
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Agent moral dilema...please help!
We may be offering on a house today :eek: It is on with 2 agents. 1 a friend works for (but is leaving in a few weeks anyway) and the other has been really good with house hunting for us. Which one to use?!?
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Terrible Estate Agent... what to do?
We had an offer accepted on a flat 1 week ago. The flat was on at £375,000, our offer was £350,000 and the estate agent came back and said they'd accept £360,000. Done deal if they took the property off the market immediately. One week has passed and despite several promises that the EA would send through the sales…
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how long till we will be ready to move in?
Hi everyone. We are nowhere near completion i just wondered if you would be able to tell me if 3 weeks is possible for us to be in our house. We was originally hoping for two weeks time but thw mortgage isnt through yet. So a bit of info, the house we are buying, the sellers are buying a repossession, which is why we was…
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Previous surveys?
Good morning everyone I had my house valued in 2006 when it was a new build and it was valued £5000 higher than it was by another company when I remortgaged in August 2014. I am now looking to sell my house and was wondering If there is any benefit with getting my home report with one company over the other? Another…
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Virgin Money Approved Solicitor
Hi, I have read a copy on post on there that mentioned using solicitors approved by your lender. I am a FTB with AIP from Virgin Money and I already have a solicitor lined up. Please does Virgin media request for their approved solicitors to be used? If so where can I find that list? Thanks
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Lease service charge problem!
Hi, Can anyone please help me? My service charge on my lease(flat)states 'the interim maintenance charge is the sum of £500.' It then states 'the maintenance charge' means the yearly sum ascertained and payable under the sixth schedule. I was under the impression this is £500 per year? I have now been sent a bill by the…
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Another boring conveyancing question...
Hi all, if I was to purchase a freehold property for cash and have no survey and no local authority searches how much would I expect to have to pay for conveyancing? I'm assuming all the solicitor has to do is confirm the title, check the contract and hand over the monies?
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Best time to give notice when buying own property?
Hi everyone, Me and my partner are FTBs and are in need of some advice on when the best time will be for us to give the required months notice on our current rental agreement. Our rent is paid on 20th of each month and our situation is as follows: - Offer accepted on house 16/02 - Full Mortgage application submitted 20/02…
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FTB - Please help!
Hi all, I am a first time buyer and would like some advice please. So I approached a Mortgage Adviser because I was worried about my default 4 years ago. However he was able to get me an AIP with Virgin Money 04/03/15 My offer on a property got accept on Tuesday 11/03/15. I instructed a solicitor 12/03/15. Got a call today…
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Selling house problems
We are i the process of selling our house and have been hit by various hiccups along the way. The problem is the property we want to buy are now threatening to pull out and we have fallen in love with this property. The problem is with our buyer even though we have anther one waiting in the wings who has also started the…
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Why is this house still on market after 6 months?
Hello all! We're going back for a second viewing on a house in central Bedford (MSE won't let me post the link). What I can't figure out is why it hasn't sold in 6 months in what's a popular area. We think it's overpriced but could that be the only reason? Here's what we know: - the vendor's just dropped the price from…
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Sole director of our RTM company awards cleaning contract to herself...
Hi all, looking for a bit of advice please. I own a leasehold and reside in an apartment block which has RTM, and the sole director of the RTM limited company has recently started her own cleaning business, and has just now awarded the cleaning contract for the entire block, to her new business. I've obtained a copy of the…
