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Stamp duty Changes in November?
Hi Does anyone know that if the thresholds that SD are charged at are likely to go up in the November statement (based on inflation or similar) much like income tax levels are raised most years? Or is the consensus they are likely to stay fixed for the fooreseeable future? Thanks Mark
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Mortgages and elderly relatives advice sought
Hi, I was hoping people might be able to give me advice on this situation. I own two properties both worth approximately £300K-£400K in East London and receive a rental income from one, which I use to help pay the mortgage on the 2nd property in which I live. I also work and pay the mortgage, and the situation is…
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No exit itinerary
Hi all, I just want to check - if the landlord did not conduct an exit itinerary with me present before they started redecorating and cleaning the property, they cannot hold me liable for any faults found after this. Is that right? Also, if the landlord is entering the property without my express consent, or with me in the…
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Social housing adaptations
Hi, I'm not sure if i am in the right place. My friend has just had an assessment for adaptations to be done for her local authority home. The adaptations are extensive, remove bath and install level entry shower and install a stair lift and various grab rails. She received a phone call on Friday from the lady that did the…
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Bank account for joint freeholders?
Hi, We are trying to find a way for us and our joint freeholders (four of us altogether) on our property to set up a bank account or method of payment that requires us all to sign off on transactions. This is so that when we get maintenance work carried out by a company, we can make payments in a fair and transparent way.…
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Landlord Demanding Entry
Hello I am renting from a pretty horrid landlord at the moment. he hasn't been very pleasant throughout the 4.5 years we have been here, hasn't maintained the property, we have had anti-social behaviour from his family etc. I notified them a couple of weeks ago that we are in the process of purchasing our first home and…
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They want lease on my name, or should it be on their name?
Hello, I cannot seem to find the answer to my query, I hope I can find some guidance please. Mid May: Offer accepted :beer: End June: Mortgage offered :j Mid August: Seller seems to put forward lease extension proposal :eek: Mid Oct: Freeholder's deadline to reply - don't they ever feel sympathy for FTB?? :( (( 2…
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Private residence relief - when does the 18 months start?
Hi all, I'm about to start renovating my flat which has been my primary residence for the past 6yrs. After the works, I'm thinking about letting it out for a while before selling it. I understand PPR relief is for 18 months only - my question is, when do you begin calculating this 18 month period? For example, I'm moving…
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Mortgage Offer Question
Hi, Hopefully an easy question ... What is the difference between the mortgage offer the solicitor receives and the offer the applicant receives? I am in a hurry with a purchase and have had to get my lender to revise my offer. I have received my revised offer in the post but my Solicitor hasnt yet. I have given him my…
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Working out rent affordability
Hi all, I was registered a while back when going through bankruptcy but I can't remember my details so I signed up as a new member. A question that has probably been asked a million times, but is there a rough guide the letting agencies use for working out what rent a prospective tenant can afford? Having never rented I'm…
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Negotiating offer after survey HELP!
Hi there We are first time buyers without many people around us for advice. The house we want to buy has had an offer accepted for 273,000 ( we have a 20%deposit). Since the. The lift extension and rear extension have been proven to have no planning permission or building regs. We have been offer an indemnity for these. We…
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Londoners, 1 month holiday studio rental?
Does anyone know of any agencies who offer this, now that Studios2let have increased their min rental let from one to three months?
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Renting Ethics
I viewed a house advertised for a monthly rent of £750. While viewing the landlord said their agents have been offered £775 by another viewer and I should let the agents Purple Bricks know my best offer. I telephone Purple Bricks and told them my best offer was £800. A couple of days later Purple Bricks telephoned me to…
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Deposit Dispute
My landlord has asked us to pay £100 towards damage caused to an oven door (a few abrasive marks from cleaning on the door handle) and a small dent to a radiator. He has admitted that both are in fantastic condition and still work fine, but there is a 'principle' at stake. Further, he has asked me to make a claim for…
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Estate Agent advert is naming a previous owner
A property previously owned by the family is on the market and the selling agent has included the name of the previous owner, the one prior to the vendor, and information about the history of the property which is totally untrue. Is this allowed? I don't know where they got this misinformation from, presumably the present…
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Please help me find somewhere affordable to retire.
I have just had to take ill health retirement and my income has been cut to a quarter of what it was. My income is over the benefit threshold so my pension is all I'll get. Realistically, I won't be able to work again so need to find somewhere cheap to live for the rest of my natural. I don't have any family ties to any…
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Garden access has been blocked off
Hello, I ll try to write the following as clearly as I can, apologies! if I don't manage to do so. Also I hope I am in the right forum:o We live in a two bedroom end terrace with a small courtyard garden at the back like many edwardian houses of the time. Our end terrace is in a row of 4 houses. My garden has an access via…
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FTB looking to buy in 6 months - what to start preparing?
Hi I'm currently saving for a deposit and should be in a position to buy in around 6 months. I was wondering what I should/could start preparing now to make the whole process smoother/quicker/happier. So far my thoughts are: - get credit reports from Equifax/Experian/Noddle - done - everything seems fine & no hidden…
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Deposit Protection Service at fault
We moved out of our rented flat at the end of July, and it took for ever to get the landlord to get the forms back to the DPS to release our deposit. On 24th September, we got an email saying that the deposit had been paid into an account, but it wasn't one that we recognised. Our landlord didn't recognise it either, and…
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Approaching end of tenancy
Dear all, Im 2 months from the end of my tenancy. I intend to downsize and lower the rent, but have not found a place yet. It was a year long tenancy through an estate agent. They are saying they require two months notice to end the tenancy, but I don't want to give at notice until I have secured somewhere. In my previous…
