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Gas boiler query
Evening all, I'm in the process of a FTB( No help to buy etc ) and all has progressed well. My solicitor has forwarded me the contract/searches and having a look at it i have one query. The gas boiler. I've not been supplied with any evidence of either a gas safety certificate or a gas service record. On the standard LS…
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Scotland: Buying with less than 5% - can it be done?
Hello! So, firstly I have read the sticky and a ton of additional information. I am trying to turn my life around and I am looking to buy me own place. I have researched mortgages as much as I can (including reading the PDF material supplied by MSE), however I still feel I am reading a lot of contradicting information and…
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Couples as transferee's on TR1
Hi, I own a first floor flat in a converted house, which contains another flat on the ground floor. There is a shared freehold owned by the lease-holders of the two flats (myself and the person downstairs). The person downstairs is selling his flat, and I have been given a TR1 and a ID1 to sign the freehold over to the new…
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interest tax relief changes, worked example please
Hi, there seems a lot of info out there on the restrictions to interest tax relief that buy to let landlords are able to claim from 2020 (gradually coming into effect from 2017). Can someone tell me what the effect on my situation will be: This is our first year as a buy to let landlord so its not a full year but I will…
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Notice query
Hi Potentially buying a house (waiting on mortgage/searches). Currently we are in rented accommodation on a one year contract with the 6 month break (8 months into it at the moment). In the contract it states that 2 months notice is required. I begrudgingly accepted this as we were in a tight spot and needed a place…
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Late with rent.
Ok I know I'm late paying rent but is this a little over overzealous... Housing association. in England. Rent is due on Mondays £100, I pay anytime up to Friday, I guess with the payment system it can take a couple of extra days before it hits my rent account, so yeah I'm late, this week I get a letter saying I'm 2 weeks…
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Vendor sold house with very unsafe electrics
We have recently bought and moved into a house and found a number of very serious defects with the electrical system. The issues are live exposed wiring in a number of places and kitchen appliances connected to trailing extension leads on the floor behind kitchen units and undersized wiring, we are also getting electric…
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Urgent Advice On Council Tax Please
Hi all, I was wondering if there was anyone around who can help me please. My partner and I are currently going through the process of purchasing a house, we currently rent. Anyway, long story short, because of a number of reasons, we're having to move into my granddad's house for a short period whilst the sale completes.…
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Result of Damp & Timber survey. Game over
Apologies as I e also posted this in mortgage forum, didn't know which was best :( Hi After valuation (purchase price £90k) lender wanted Damp & Timber survey. We haven't had full report as it was only done today. Carried out by independent so no selling as they don't do the works just surveys. Anyway, he rang straight…
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Mortgate/Financial Advisor
Hi All, I'm looking for some advise. I'm on the lookout for a mortgage/financial advisor, someone who is unbiased and can offer me the best deals on the market. I'm wondering what others may have done when they got their mortgage? As a first time buyer I really don't know what is best for my partner and myself. We hope to…
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Section 21 notice
We have a tenant who is constantly behind with her rent, she was paying small amouts to try and bring the rent up to date but it is now getting further and further behind. We have decided to give her notice under section 21. Her AST expired on 31st December 2011 and then continued on a monthly contractual tenancy…
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Estate agent tells me house is mine then phones later backing out!! Help needed!
Ok this is my first post on the site as I need a bit of help and guidance. Sorry if it seems a bit wordy!! This is my situation put as simply and as basically as possible. Me and my partner viewed a house for sale which was for sale at 135k. We put in an offer for the full asking price.Someone else also offered 135k. The…
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Housing benefits
Hi everyone. We are a couple moven in to London from Italy. I will be studying full time for a one-year course at university. My partner who will come in a month or so will be studying English and maybe looking for a job but it is not sure by now. As we dont have a job, landlords are asking for a 6-mont rent payment in…
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Integrated appliances
Hi If on the original advert a property is listed with an "integrated baumatic oven" should i be surprised to see that on the fixtures and fittings form (which I have been chasing for weeks!) it says the oven is not included? Thanks for your help
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Buy a house in Orpington BR6
We are planning to buy a house in Orpington (BR6 postcode) and I decided the area based on Schools (St Olave for ex) crime rate ( which apparently seem less ( when compared to Canary Wharf). Now the problem I have is information overload and all this data gets hard to decipher from my perspective , especially because I…
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Can someone give me a timeline...
Hi all, First time buying and selling so need some experienced opinions... Sale: Mortgage survey completed Buyers offer waiting for outstanding documents Our solicitor has sent draft contracts We have returned sellers pack (F&F etc) Searches applied for last week Purchase: Draft contract received Seller's pack received We…
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Land Registry Delay
We are in the process of selling and buying a property. Before we accepted an offer on our flat we extended the lease, this was completed on 26/7/2015 and sent off for registration on 31/7/2015. The solicitor was told there was a backlog and it should take 40 days to register. Today, 28/8/2015, the solicitor called the…
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lease extension right after completion of purchase
Hi everyone I have a question regarding lease extension. I completed my purchase recently, and started the informal lease extension immediately after completion. I know that after completion, the property registration process can still take up to 2-3 months to be finalised, depending on fast Land Registry do their job. My…
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Who should pay? Lock.
The lock on my front door has broken last night. Daughter couldn't get key into the lock and today my key does not go in either to unlock front door. There is no other access into the property. I've called landlord who has said he has all 6 of his maintenance guys on holiday so no one can come and look at it and its my…
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Is there anyone I can make a complaint to?
Hi. My partner and I are trying to buy a flat. Unfortunately after 7 weeks, we still haven't received the relevant paper work from the seller's solicitors, and are therefore unable to move forward. Our solicitor has sent them no less than 10 separate emails to ask them where the paperwork is. The seller herself has emailed…
