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Scotland - current climate re: house offers versus Home Report valuation
Hi all I'm looking for opinions and/or recent experience from home buyers/sellers in Scotland please. Our property - 4 bed detached with 2 acres in Perthshire - is on the market at "Guide price £375k". The Home Report also valued it at £375k. We've received one offer which we considered to be derisory, almost insulting,…
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Indemnity Insurance
We're in the process of selling a house and the buyers solicitor has raised a query relating to an unknown rent charge. Having spoken to our solicitor he has informed us that there is something in the original deeds of sale dating back to the 1920's which enables some named individuals to collect an annual fee from the…
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Gifting property
Should we gift a property to my daughter? it is a commercial property and I think we would be liable for CGT however, more of a concern is should she ever get divorced would her husband have a claim and if so what can be done to prevent this property becoming part of any settlement. Thanks
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First Time Buyer Questions
My girlfriend and I are considering buying our first house and have a few questions. A bit about ourselves. Our combined income is about £58,000. We have a little bit of debt on credit cards (approx £500) and £5,000 savings. Our rent at the moment is £425 as we house share with one of my friends. We can afford to save…
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Scotland: Buying house with uncertainty re: amount of land
Hi there, my first post, apologies if irrelevant! I am looking at buying a house in Scotland which is not on the Land Register because it has not changed hands for over 50 years. The Sasine Register says it is 33 poles of land. There is uncertainty about whether the very large garden that comes with the house actually…
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Sell flat for low mortgage or rent out
Having lived in my mortgage free flat for 2.5 years I'm now looking to get a place with my partner and have a dilemma. Option 1: Sell flat and put down a massive deposit and have a very low mortgage and plenty of disposable income. Pros: - low commitment each month - plenty of disposable income to accommodate inevitable…
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Mould on ceiling rented house
Hi all, We are letting out our flat. In bathroom when we left, we noticed a small yellow spot on the ceiling, asked tenants to keep an eye on it as this was a brand new ceiling and a designed bathroom. Tenants never complained and now receiving a check out report I am shocked to see that half of the ceiling is in heavy…
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Refuse Bins - advice needed
We recently purchased a property through Catalyst Housing and a shared ownership scheme. On completion we received a Welcome Pack, which included a page about the different bins we'd be provided with (as in the refuse bins for collection each week). We were told we'd receive one black bin, one green and two smaller food…
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Money laundering
I'm in the process of buying a house and I have deposit from my grandma and the rest I have raised myself. My husband at the time transfer £4000 into my account, which is the money he owed me from our NYC trip. He transfer the money in June this year we have seperated now and I am unable to contact him because I don't know…
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Council tax when leaving a rented house
Hi, Easy question (I think). I move out of my rented house on Friday, I'm on a rolling monthly contract but because of the notice period I will have to paying rent up until the end of September. I'm moving straight into a house in London. Will I have to pay council tax on both properties for the whole of September? I'm…
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Agency letting fees - What's really going on
Hi guys, Yesterday went to see a few properties and decided to go ahead and pay deposit for one of them. I was asked for a card payment on site. The agent did this over the phone, providing me with a receipt and two forms to fill and hand in at the agency. Later we've been to the agency to hand the forms which were asked…
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advice on my rights as a private tenant/no agreement signed.
Hi, First post on here.. Just to give some context, my partner and I are renting a room in a flat owned by the parents of an acquaintance. We took the room as it's fairly cheap, a good friend rented it for a year before us, and we just needed somewhere to be as an interim whilst we look for our own flat to rent together.…
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Being harassed by letting agent
I previously posted here as my agent had served me with a section 21 to leave the property in 2 months time... No problems at all, just a notice out of the blue. I cant find my previous post so have started a new one... He is now harassing me to leave early and has being doing viewings with about an hours notice (he just…
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As and when maintenance charges.
My daughter and I have seen a flat she likes but when we asked the estate agent how much the maintenance was the agent said it was "as and when" and we do not understand. Can we request details of this in writing. The ground rent is £100 per annum.
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Tenants in Common - best way to split things?
My partner and I are buying a property together. She earns far more than me and is contributing £180k deposit. I have £50k to put in. The property costs £400k. The other £170k we are taking out a joint mortgage for. We are unmarried and the solicitor has suggested we do this as Tenants in Common, rather than joint tenants,…
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permitted development , structural engineer - please advice
Hello, I am in Crawley - South East. I was wondering if i was quoted a lot for the following work? (loft conversion plans) The rest charged by hour. Would you be able to recommend anyone in the area? Should i use online services where i would have to draw the loft myself - this is much less expensive. Any advice would help.
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My freehold house has a lease on it?
I'm currently part exchanging my house for a new build property. Our house was built in 1920 and the deeds show it to be freehold. When we bought our house we were told by the solicitor that it was freehold, and all the houses nearby are freehold. Our solicitor for the current move is being paid for by the builder of our…
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What would you do with a flat that is rising in value?
Mr & Mrs X bought a flat for £315k in Feb 2014 and now have a mortgage of £250k against it. The same flat next door just sold for £400k. Ridiculous I know, but we don't run the market. The flat is small and Mr X would like somewhere a bit bigger so his wardrobe actually opened without bumping into the bed - he's not that…
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Offering
Hi all. We think we've finally found a property that we'd like to make an offer on, so how do we go about it? when i spoke to the EA about being interested she said we could sort it out verbally at first and then involve the solicitors, she suggested that it would keep it simpler than involving middle men. i was wondering…
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Deposit advice
Hi everyone, Just wanted a bit of advice or guidance on where I can get advice about my tenancy deposit... apologies because I'm sure this sort of thing gets asked all the time. I rented a flat for 8 years and moved out on the 1st July this year. New tenants moved into the flat on the same day that I moved out. The closing…
