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Should we sell or rent it out?
My partner and I are planning on moving and aren't sure whether the best thing to do is to simply sell our current house and buy a new one, or to rent the current one out and use that money to pay the mortgage on the new house. We currently have only a small mortgage, but are looking to move to a larger, and therefore more…
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Scotland - House under offer, buyers lenders want a survey...whats the point?!
I mean, we paid for a home report already when we put the house up for sale. Why does the buyer's lender need another survey? Is this in case we bribed our surveyors or something? I don't mind, I'm just annoyed because they put in their offer almost 3 weeks ago and we're still waiting for them to sign missives before we…
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First time buyer questions!
Hi all - I am a FTB looking for a bit of help regarding getting a mortgage and buying my first place in London. A few questions - 1 - is it likely that being in the probation period of a new job will impact my ability to get a mortgage? If so, is there anything stopping me getting something arranged before I leave my…
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Mortgage refused due to home report
Has anyone ever had a mortgage refused based on a home report (scotland) home buyers report? What kind of things would make a lender refuse?
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passive air vents cost
Hi everyone, Just a quick question I have been given a quote for 3 'passive air bricks' on a 1st floor flat.(only ladders needed) of £360 fitted. Does this seem on the expensive side? Thanks, Chris
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Buyers going on holiday
GAH!!!! I NEED to rant!! When we agreed a sale to FTB they wanted to move in May (this was in March) and I said it may be too soon but I couldn't see why June would be an issue and we would aim for that... Our mortgage is finally sorted and I am keen now to move in June as planned. Let the buyers know yesterday and they…
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Ground rent review backdated
Hi all i am just looking advice regarding issues we are having with our new freeholder Regis Group PLC/Pier Management (the name of the company who bought our freehold is RG Securities number 2, Pier Management are their agents but essentially the same company). Regis bought the freehold to Milliners Wharf in Ancoats on…
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House Sale For Cash - Advice
I am thinking of selling my house to one of the businesses that pay cash and would be obliged if any of you can offer any advice. I am aware that scams have and do take place. I have checked the various sites including those who are registered with the Property Ombudsman as well as the The National Association Of Property…
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Banbury vs Swindon commuting to Oxford
Hello All, Without getting into too much details, I've got an option of buying a house / flat in Swindon or Banbury and daily commute to Oxford. I've been briefly to both towns, with Banbury feeling much nicer IMO,also easier and quickier to get to Oxford but prices much higher than Swindon. Is there anyone living in this…
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146 year lease on flat, is it enough?
I’m considering buying a flat with a 146 year lease and have been told to be careful as leasehold property has many pitfalls. The flats are very modern, in a city centre location and above retail premises. Most of the retail premises are still vacant after 2 years and management fees for the flats are 2 to 3 times the…
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Repair work after exchange
Hi all I am currently in the process of purchasing an empty property (probate) that needs a fair bit of work done on it. As I would rather have some of the work done before completion, what do you think the chances are of getting repairs done after we exchange and prior to completion? Many thanks
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NATIONWIDE - best way to escalate after monumental credit file boo boo?
Afternoon all, I'm hoping for some advice. My wife and I are in the process of selling our current property and buying a new house. Last week, through our broker, we applied for a mortgage with Accord. All should have gone swimmingly - we both have reasonable salaries, enough equity to mean we only need 65% LTV and (we…
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Estate agent's fees
We are planning to sell a house in a NE town, which has been rented out and now is untenanted. It is a mid terrace, 3 beds, bath, kitchen, through lounge diner, needs plenty of TLC, thinking about £55 000, max. Been to see 3 agents today, one said £1250 + VAT, another said £995 +VAT and the other wouldn't say until he'd…
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Shared Ownership - Selling question
Hi How long did it take you to sell your shared ownership property? Was it high in demand or did it take ages? I have a SO flat to sell @ 25% - execellent condition. Thanks
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Lied on Property information Form? -What can I do...
Hi there guys was hoping to get some advice. Basically we moved to a victorian house with a cellar. On the property information form 7.1 Has any part of the property ever been flooded? and 7.2 which part. On 7.1 the vendors answered NO. Now whenever it rains continuously for about 4 hours or more (depends how strong it…
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Damned if I do...... I'm at my wits end and need somewhere to live!
hi, You've probably heard the same story before so apologies from the get go but I am seriously losing the plot at the moment. I have poor credit based on two settled CCJ's and defaults that ended in 2011/2012. Because of this I am finding it impossible to find anywhere to live. I take-home an average of £1700 a month and…
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moving house and being self employed
so we have our house on the market we have dropped from 118k to 112k to sell fast as we need a bigger house , BUT today when i rang up the mortgage people ( halifax) i was told they cant give us a new mortgage as my husband has only been self employed for 10 months is there a mortgage company that will give mortgages to…
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Damp and vaping
Seeing the thread about smoking reminded me of a situation a friend is in. She and her partner are living in a house that we once lived in. At the time, there was a problem with damp in a couple of places, one of them being a patch on the bedroom wall where the damp was coming in from outside. It caused the paint to bubble…
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New Build homes in Manchester
Hi All, I am looking to buy a new build property in South Manchester. I have done my research and property in South Manchester has been most recommended due to good schools, future growth and better standard of living. I am a first time buyer. The new build property is worth £199,999. From your past experience, would you…
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Estate Agent - when does cooling off period end?
We signed a contract with an EA on 18th April but the house didn't go live until 6th May (the had to take photos etc). We now want to cancel and will give them 21 days if needed as stated in the contract but when did our cooling off period end - 14 days from signing or 14 days from going live?
