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single skin extension
I am in the process of buying a Victorian house the ground floor bathroom extension is of single skin brickwork how do i modify this extension to bring it up to current building regulations?
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New build house - scratches on sink and hob
I just moved into my new home yesterday and during the handover I pointed out that there were scratches on the hob and the sink in the kitchen. Am I being too picky? I mean, it's just a few scratches on each, but I've paid all this money so expect items to be in an excellent condition (unscratched!). The sales lady put it…
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Selling of property or removal of name from mortgage - Need help and advice please
Hi Im hoping to get a little advice on my scenario and a few answers to some questions I have with regards on what to do and where to go next. A little bit of background to my situation, i'll refer to me (him) as 'A' and her as 'B' 'B' brought a new property with an ex partner in June 2012 with 5k deposit from each on a…
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Is my broker in the wrong?
Mortgage app submitted to Nationwide through broker, they've came back requesting source of deposit:- 3 months bank statements build up, any large transactions need to be explained. We spoke with broker regarding deposit before submitting, we have a strange situation where we transfer my parents money each month to be…
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Thoughts about short leases
Hi all. I would like some opinions on this scenario. I will soon view a 1 bedroom maisonette, although not exactly my dream ticket I can see it having enough positives to suit me very well for my present circumstances. However after obtaining a copy of the title I've learnt that it only has 66 years remaining on the lease.…
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State of property upon completion
Hi all, I'm so happy/excited/relieved that we exchanged on our property today. I've been thinking about moving furniture and the condition of what's acceptable/unacceptable to our buyer. I've only just remembered that where our lounge unit stands, originally there was a fireplace in its place. Where we've removed the…
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Buying a house, Save an emergency fund first or Deposit
Hi guys, I wonder if we could have some advice on the above problem. My fiancee and I are having a debate at the moment wether or not to save a emergency fund of £10,000 (6 Months Expenses) before we start saving for a mortgage deposit? From my side I want this EF before we get a house because trying to save after buying a…
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Estate agency fees for declining offer
Hi there, I currently verbally accepted an offer from another person through a solicitor. They then intimated with another solicitor that i verbally accepted. I since then need to pull out of the deal because someone else has offered me more for my property. My solicitor has said that i am not legally bound to anything…
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Landlord selling, not serving me notice, breached the contract
Hi Hoping someone can give me some advice. Have been in my current home since December 2012, rented through a letting agent. Landlord has been an @rse with the maintenance and the boiler has never worked properly. Last year he told the plumber if he had to replace the boiler he'd put the house on the market. Didnt really…
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Convayencing Solicitor Hell
Hi Just wondering if anyone can offer any advice. Me and my gf are purchasing a new build house, which is our first property. We are renting at the moment on a 6 month term, which runs out on the 11th October. We were formally offered a mortgage on 9th September and sent the relavent documents through to the solicitor on…
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First time buyer help
I've also posted this on the mortgages board but I'm posting here too as not sure which is the best place: Hi everyone. I'm hoping for some advice on my situation - apologies if it's a little long. Following my separation and then divorce from my ex husband, I moved with our three children into private rented and left my…
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Renting from council/now a HA and pets
Hello. I have lived here for 13yrs and pay my rent to the council or whatever housing association they are currently called- it has changed names several times. Anyhow, I have two pet ducks and my neighbour has decided to report them to the HA and the environmental health stating they foul on the road- which they don't as…
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Is only 5% deposit on exchange a problem for seller?
Hello, first post here but have been lurking for months!! We are, I thought, ready to exchange on our first house (FTB so no chain, moving out of rented. Seller is moving into a house with no onward chain - it is a probate sale I think it's called?) . We have an official mortgage agreement with santander under their help…
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Planning Permission Query
Looking at buying a newly built house from a developer. Shortly after completing the build the developer transferred back a strip of land on the boundary back to the original land owner for a nominal amount (say 10% of the total site) . As the planning permission was based on the larger site is this cause for concern?
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Problem setting up insurance
Hi , just spoke to our solicitor who said we need to have our insurance in place for exchange but not to put it on risk yet. Just spoke to direct line who said they cant do this. Solicitor said not to start the policy because we dont have a specifc exchange date so what do we do?
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If my ex-partner has signed a Transfer of Equity is it legally binding
Hi, I've been going through the process of buying my ex-partner out of our previous family home so my daughter and I can stay living there. I got estate agents to value the property, we agreed an amount I would need to pay him to buy him out and he signed and had witnessed an 'Acceptance of Offer' letter that stated the…
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Extending lease after survey
Hope someone can help/advise me. I'm worried that my son might have been taken for a ride by unscrupulous estate agents! He put in an offer on a studio flat, the lease is for 74 years but he was told by ea that the owners had extended it to 99 years. The survey has been done, all good, but now he's been told the sellers…
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Estate Agents Refuse to rent any of their properties to me
Hi I applied to rent a property and i told the agents i was previoulsy bankrupt. I used my mum as gaurantor in my current rental and there were no issues. it is a private landlord. I had a call back from the agent asking details about the BR, when it was (2 years ago) Why (husband left me with business debts that were all…
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Repairing Cracked Window
I've just moved out of a rented property and the only thing flagged up by the letting agent when we moved out was a cracked window in one of the bedrooms. We've no idea how it became cracked but obviously we'd be liable for the costs of it being replaced. A month later and after a lot of chasing we finally got a quote for…
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Staircase or Save
Hi All, I own 35% of a shared ownership property. I am deciding whether to staircase or to save. I currently pay around £550 per month to live in my house with mortgage and rent. If I was to staircase to 100% I would be paying about £870. Currently I am paying off roughly £70 per month equity with the rest being interest.…
