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Can we get a mortgage on a reema constructed house?
Hi everyone, we looked at a house yesterday and loved it but we found out that it's reema constructed and doing some googling I think it may be a cornish type 1?! and may pose a problem in getting a mortgage. We have a mortgage in principle from Halifax already but does anyone know their policy on lending to non…
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Combined Ground Rent - Buy Freehold
Hi, We have a house and the combined ground rent is £3.26 per year. To buy the freehold it is £450. we will be here for 30 years = £97.80 Should we buy the freehold? Is there a benefit? Thanks Steve
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Crime stats
Going to see a house in what we think is a nice area but a bit alarmed by these crime stats for the road it's on, especially given the road is a tiny side road with just a few houses: https://www.police.uk/hertfordshire/D01/crime/795072/ There seems to be one or two things every month since April or so, though reasonably…
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Carer & The Housing Association Shelter :-(
My brother has been living with our mum when she had a stroke and moved into a new property with Shelter. He has been working, paying all the bills and has never been in arrears. I was spending every weekend and holidays at my mums even though I was a single mum. Now after almost 15 years if caring for her mum is now…
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buying / let house for someone else?
Hi,my friend want buy house in UK,he is from Germany but he want me to buy and let it for him ,its headache i know but he keep pushing me ,my question is what he need to do first?send me General Power of Attorney from Germany or he come here and get one from here? thank you
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Buyer requesting we service our boiler prior to exchange - reasonable?
Hi, Had a request come through from our solicitor from our buyers solicitor asking us if we would be prepared to get someone to service our boiler before exchange of contracts. We haven't had this done in about 4 years. Is this request expected and reasonable, or should we ask them to pay for it if they want it doing?…
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Right to buy question ?
If anyone could advise me on this I would be very grateful . We have currently been renting from the local council for just over 3 year's . Prior to this we were in a housing association tenancy for 10 year's (same district / borough ) From what I am reading we don't qualify for the right to buy scheme due to the date we…
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Decorative vs working Fireplaces
Hi everyone, We are looking to sell our 2 bed, two up two down, victorian terrace in Manchester and want any advice about how best to spend money to pimp up our pad to quickly secure a sale asap. If we could sum up the house in one word it would be Magnolia. Now don't get me wrong neutral sells but I fear the lack of…
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below base/libor rate mortgages non collarded
Hi i know it would be unheard of these days. But after doing some reading i was wondering if there is anyone out there with a tracker rate that is 1% or maybe 2% below BBR/libor. If so has the lender imposed or attempted to impose a collar. If not well are the bank paying you on your mortgage balance? Would an interest…
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websites advertising property for sale
I look on Zoopla, Rightmove and S1homes and GSPC.com, are there any other sites? looking for flats for sale in Glasgow
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LA/LL now demanding payment by DD
On an existing SPT that has been going on for 7 years the Letting Agent, who is also the Land Lord (sub letting from the owner), the LA is now demanding that all rent payments be made by Direct Debit and has provided the tenant with a website they must use to set up the Direct Debit. All previous payments have been made on…
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Am I being impatient with my buyer?
I have exchanged on an off-plan property due to be completed in January. I had an open day a few weeks ago and was fortunate to receive a number of offers on my existing property (a 1 bed flat). Although there were a mixture of cash and FTB's, the best buyer was a FTB and I accepted his offer. I spoke to him that day to…
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Changing address twice in 5 weeks?
Just wondering what others would do? We are moving in with relatives for 5 weeks before moving into our new house. We have postal redirection setup (to the relatives address) for 12 months. Is there anything that I "must" change before we move into the new house in 5 weeks? Seems pointless changing everything twice.
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Property Valuation
Hi all Just had RICS - Homebuyer Report. Market price of house is £165,000 and the current reinstatement cost of the property is £130,000? So how much should we offer the buyer????
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Freeholder seems to be blocking insurance claim
Apogies for the long post... I own a leasehold flat, the buildings insurance is the responsibility of the freeholder to arrange, as stated in the terms of my lease. The FH is a large commercial company and the policy is via a broker. I pay my share through the service charge. 6 months ago there was a major leak within my…
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Can't find freeholder contact details
Hi all, I'm sorry if this is in the wrong place. I recently bought a leasehold house. The lease is for 999 years so no worries about it running out any time soon. We would like to make some changes to the driveway, and eventually the garage. But as the lease is from 1931, the original freeholder's are no longer with us. We…
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Buying a 1930's semi
Buying a house and found out through the searches that the current owners made an insurance claim in 2013 for subsidence. After checking, it would seem the adjoining property had a water leak which caused this movement. All the repairs have been done and we have been given a certificate of structural adequacy. If all the…
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Fed up - how long could this realistically take?
Hi :-) We are selling our flat and buying a house. We are at the bottom of the chain, with our sellers buying a house which is the top of the chain. We accepted an offer on our flat at the end of June, and had our offer accepted on the house we are buying the first weekend in July. Our sellers had there offer accepted the…
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Buying a flat and problems with management company
Hi - I had an offer accepted on a repossessed flat 2 months ago and have been trying to exchange ever since. The management company have refused to provide vital information to my solicitor that basically means that they can't register the property in my name or lay the charge against the property. The management company…
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Landlord wants sudden large rent increase
I've been living in a property in London since 2001(periodic assured shorthold tenancy 6 monthly). To cut a long story short, the property has had considerable shortcomings, but the rent has been a bit below the market rate. The unwritten rule with the owner was that I didn't make too many requests aside from what was…
