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New build - meeting the building manager
Hi All, Got an appointment to meet the site/building manager tomorrow for a new build I'm in the process of buying. Was hoping to get advice on what I should be doing during this meeting to ensure I get the maximum out of it. Is there anything anyone can recommend asking about? What sort of things should I be on the look…
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mortgage decision and bank charges
will a couple of unexpected bank charges make the bank not want to lend to us? I had sorted all my finances and then had these charges which were refunded but I am worried it will blot a clean record that I had worked hard at.
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Exchange to completion gap and lenders
I'm meant to be exchanging today, the rest of the upward chain are lined up and ready but my buyer's solicitor seems to be dragging her heels and it's starting to look like it might not happen today. We were told completion would be next Friday (21st) and the buyer's solicitor had agreed to this, but we were also advised…
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House gift
I wish to give a house to my 3 children, It is mortgage free and currently rented out. How do i go about doing this?
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Strange IFA request
Hello. My wife and I are in the process of completing a mortgage application. Our IFA has been and taken all the details he would, at the time he asked us to acquire and forward on to him our CRs from experian and equifax - this was in June. Now just before ( we believe) our mortgage lender, Halifax, is about to complete,…
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Does anyone know Nottingham?
I was wondering if anyone could help. My sister is moving to Nottingham in early 2016 with hubby and 11-year old son to take up a new medical research post at Nottingham University. They want to purchase a 3 bed house up to £100k. She is happy to commute for 30 minutes to work (ideally by public transport) and have access…
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Requests in a new rental
I've just moved into a rented property. It has mainly velux windows, but has no pole to open them, they're all unreachable without one. Should I expect the agency (they're managing the property) to supply a pole? Or would we be expected to buy one? Also, the electric igniter on the hob doesn't work. They've supplied a…
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5 weeks - no survey or communication from buyer solicitor. What next?
I accepted an offer on my property on 8th July. Solicitors details were exchanged the following day. I have been chasing my EA regarding the survey and apparently the buyer is getting his mortgage from Halifax. Apparently the go ahead has been given to proceed to valuation survey but we have not yet heard anything from a…
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Life left on lease not as expected
Morning all, In a bit of a pickle here and not sure how much of an issue it is.... We're almost ready to exchange on a flat which when we bought it we were told by the EA had 89 years remaining on the lease. We've now had all the Land Registry Docs back and it only has 85 years left on the lease. I've looked into time…
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Finding out location of idiots?
Hello, I'm having a problem with some noisy neighbours. I've been living in a house for fifteen months now, it's been a dream really, so quiet, but lately some people in an apartment block across the road have started playing loud music. I know which flat they're in, but apparently the way the flats are numbered is…
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How to get a buy to let?
Can some of you buy to let experts advise me, please?! Here's our situation: We own approx. 80% of our flat (ie v small mortgage). We've just found a little house that's worth a bit less than our flat but has other things we need (little garden, good school nearby etc) and we had planned to sell our flat and buy the hous…
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Buying a house with a basement flat.
Hi. Apologies if this has been answered before but I didn't know if we were any different. Went to visit a house today we are interested in buying. The house had a self contained basement flat attached to it (currently vacant) which was not for sale. The flat had it's own access/entrance and address - No 11 for the flat…
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A couple of conveyancing queries
Hi all Be gentle I'm a newbie!! We are in the process of buying a new house and wondered if anyone could point me in the right direction. Solicitor is near impossible to get hold of! We have draft contracts and title transfer deeds to sign. We negotiated with the vendor a revised price once some work showed up on the…
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Timeframe to remove a restriction on title
We are getting to the end of the long and bumpy journey of our house purchase (overall we had 4 offers accepted on 4 different properties, 2 we were gazumped, 1 we pulled out after all searches, building survey, mortgage valuation fee etc were paid :( )... and found out that there is a restriction on the title held at the…
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Shocking Shared Ownership Deal
Hi everybody I've been looking for an affordable place to buy in London (yes, another one) and one of the options i've been looking at is Shared Ownership. I currently live in Westminster so not much comes up. This is one of them. I just can't can't believe the terms of it. I thought at first it must be a misprint. I know…
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House or flat?
My partner and I are starting to look at places to buy, and we are finding that we can either afford a house in an 'OK' area or a flat in a lovely area. The houses we can afford are generally terraces around the city center and in areas where there are a mixture of students and families. This means they can be a bit…
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Exchange date fish story
Hello Forum, Weeks ago I viewed a property. I informed the Estate Agent that I wanted a quick completion and I would not buy a property in a chain. The Estate Agent said that the seller wanted to buy a new property but was available to move at his son's place in the interim if I put a good offer, which I did. We agreed for…
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Pre payment meter
Hi All I found out today that the rented house I will me moving into in September is fitted with a pre payment meter. This was a surprise, I got an email from my chosen energy supplier (GB Energy Supply) this morning saying they couldn't find my MPAN and MPRN numbers. I rang the current supplier (eon) who told me that it…
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Exchanged delayed as no EPC available
I wonder if anybody could advise me re this. I'm buying a house that was marketed on 19/06. Our offer was accepted about a week later. We are under time constraints as we need to vacate current property asap, which the estate agent has been aware of from day one. Anyway, replies to queries received back on Monday with just…
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Found the absent freeholder on potential purchase
I recently viewed a flat that I was advised currently has an absent freeholder so the only work being done to the building is that which is agreed between the tenants of the flats. It appears to have put a lot of people off as it has been advertised for quite a few months. I logged onto the land registry website and looked…
