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Do I need to change the way I'm paid for a mortgage?
Looking at houses around the £250-£300k mark. Nothing fancy, just a 3 pref 4 bed house here in belper as it's where we live now and its a nice area, not exactly duffield or Quarndon but its somewhere you'd like your children to grow up. Currently have a 2bed terrace, approx £40k equity, so I'd belookng at £200-£250…
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Capital Gains Liability?
I really need some help to decide what I should do A little history... I bought a maisonette in December 2013 for £137,000 and lived in it until May of this year. I currently have 'consent to let' from my mortgage lender and my current fixed rate deal ends in December I have just had the flat valued in order to remortgage…
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Will a survey be done?
We sold our house back in April last year and because of issues with our buyer proof of deposit funds the sale fell through at the end of August. We are now proceeding with a new buyer thankfully we sold again quickly. The buyer has told his solicitor, our solicitor that his morgage has been approved this took 4 weeks! and…
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Is this what people really want to buy?
Visiting a relative recently , in Yate, nr Chipping Sodbury. Whilst there I noticed there were lots and lots and lots of new builds going on. Then a looked a bit closer. Very nice stone, so plus point. However then you realise the actual footprint of the property is hanky size. Garden hanky size. Houses were terraced,…
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What is a reasonable walk to a station?
Hi guys Just looking for properties on the london commuter belt and it seems (obviously) you get more for your money the further from a station you are. But what is a reasonable walk, considering you have 20-40min on an overground train and then a short hop on london underground. I have seen a place which is 0.7 miles from…
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Taylor Wimpey house, no tiles at all in the kitchen
Hi all, as the title says there are no tiles in the kitchen, none behind the sink, beside the cooker, or anywhere else. The result of course is that the white painted wall behind the sink and cooker always needs to be painted, every few days. It cannot be wiped as the paint comes straight off and shows the plaster through.…
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some questions about renting
hello, i have a couple of questions regarding renting a property if anyone is able to help. 1) will a payslip being 13P out on the net amount compared to my bank statement cause an issue as it can sometimes occur (dont ask lol) if so would confirming my pay with my employer solve this 2) how can i make my application more…
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newbie selling question
I'm in my first home and have a question about when the time comes to sell in terms of mortgage type etc. I'm , as many are, on a fixed year term (2 years). It's nationwide the lender. I understand they have a decreasing % penalty charge the closer I sell within the 2 years. I think most lenders do. So, realistically to…
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Price guide
Does anyone know what the advantage is in advertising a house for sale using a price guide ? For example: 'price guide £180,000 to £200,000'. Or would it be better advertised using a single price? What are people's experiences with these 2 scenarios?
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Sound-proofing floors - cost/effectiveness?
I am shortly to become the proud owner of a one bedroom flat on the first floor of a Victorian house (exchanged yesterday, woo!). On the ground floor is a cafe, and a certain amount of sound travels up through the floor, mainly from their sound system. I knew about this when I bought the place, and although it is not my…
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Any experience of London Aquisition Agents?
I have heard comments that people have saved a fortune by going through property acquisition agents. Does anyone have one to recommend?
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Vendor taking rediculous time to complete
A friend has purchased a house and Is renting a room to myself and someone else and I have given some financial backing towards to property...this is a first move for me. I have been helping my friend with the move and we seem to have hit a stumbling block. Back In April we went to view the house and the vendor showed us…
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Buying a Leasehold Flat
Good afternoon all, Wondering if you can help. I'm sure this question has been answered a thousand times but here goes. I am currently in the process of buying a ground floor flat in a purpose built block. I am a cash buyer so do not require a mortgage and as such the lender does not require a survey to be completed. I…
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We share a private road with an Infant School. Help!!
Hi everyone We live on a private road which we share with an Infant School and another dwelling. The school have been tenants, but now wish to buy the school, its associated land, and the actual road. The Landlord is happy with this and its looking extremely likely the sale will happen. We obviously have access rights, and…
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mortgage relief on BTL changes in recent budget?
Can you pls help. I currently rent out 3 properties at approx £1, 800 pcm and my mortgage is roughly the same so declare little or no profit. How will the changes in the budget affect me pls? Just to add I have a annual income of 16k Thank yoy
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Part-exchanging for New Home
We have had our eye on a new house for a few months which we were told was going to be £394k. Yesterday we were told it has finally been released but won't be ready until next Summer and now is going to be £30k more expensive. Together with stamp duty that obviously is quite a hike for us. We are looking at part exchanging…
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1st Property Lawyers
Looking for a conveyancer to handle my house sale and came across this company. Would appreciate any reviews or experiences with them. Thanks
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Barrat floorplan not accurate
Hello, I have bought a property from Barratt on plan which will be delivered next month. However, the only tiny utility cupboard provided by Barratt has a huge box called a Manibox on the floor. This is not following the floorplan provided when I bought the property. As a comparaison, I currently live in Barratt property…
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Tax question lodger plus buy to let
Does anyone know, if you have a lodger in your main residential house plus a buy to let flat, do you get the lodger tax allowance plus the 10k buy to let allowance as well ?
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Iintegrated Appliances
Hey guys, Recently had an offer accepted on a place in Romford. Our accepted offer was £25k above the lower asking price. The website states there is a integrated fridge/freezer, double oven, washing machine and hob. Because it's integrated, I am assuming that it is all included but the estate agent could not give me a…
