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Survey Advice
I have received my mortgage valuation surney through today and one of the points that they have put is 'The property has suffered previous movement but I saw no evidence to suggest this is ongoing.' The property flooded in 2007 but hasn't before or since and this is something that hasn't put us off the purchase but this…
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Low Cost EPC - late payment fee ripoff
BUYER BEWARE - I did my internet research on this new EPC site too late, and discovered that it's the latest rogue site by the notorious Chris Whatcott of Savi.co.uk. I know there's a thread here about Low Cost EPC's misuse of a cancellation charge, but I wanted to share my different experience as it seems central to the…
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Just checking *paying deposit now and then completion*
Hi all, Looking at completing very soon. Am I correct in thinking the below: House Price - £270,000 Mortgage - £ 202,500 My deposit - £67,500 The letter from my solicitor states "Arrange to pay your deposit of £27,000 by telegraphic transfer to my firms client account at ..." This is 10% of the price as I expected. Does…
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Renting to family affect their benefits?
Hi, My friends have recently come into some money and have decided to invest in a rental property. This has happened at the same time as their daughter being given notice on her property, so it seems an obvious solution that their daughter rents the new property. The daughter is in receipt of benefits, including housing…
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Mortgage on house with self-catering cottage
We've had an offer accepted on a property with 27 acres and a barn. The land is currently let to a local sheep farmer, on an informal basis we think. The barn is just a barn, but has pp for two self-catering cottages. Having never owned a property with either land or a holiday let on it before, it was a surprise to run up…
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Bus Stop Move
Hi Does anybody have any tips on how to get a bus stop moved from outside of your house? It has just been erected and we've lived here for 15 years. We put our house on the market 8 weeks ago and we've had no viewers since it went up 3 weeks ago. Thanks
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What happens with mortgage
Hi, please help!! Long story short, we are FTB, after homebuyers survey we asked vendor to reduce price and they refused. We want to step back. What happens with a mortgage? We used broker, bus she is so useless that is hard to communicate with her. Can we move mortgage to another property? Or when we will find another…
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Vendor removed dishwasher, didn't blank off pipe !!!
Hi ! On taking over a flat yesterday, we turned the water on at the stopcock and suddenly heard rushing water . The vendor had removed the dishwasher and NOT blanked off the piper leading to it from the mains. Thus a flood, with carpet soaked through etc. as, we want to let it asap we are obviously not happy. Is the vendor…
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LL requires Guarantor for non-student
Hi, I've recently graduated uni into a steady full-time job in my field which pays pretty well for a first job (IMO). Some of my friends came back from their placement years to do their final year and I've decided to live with them. I obviously have to pay council tax (with a single person discount) but after signing the…
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Landlord sent someone round for SAP rating I think, was it meant to be like this?
Just confused as the guy turned up and started doing stuff like looking through electric and gas cupboads, the rest was he had a handheld device with a red light he kept touching against walls or putting on floor. But the strangest part was he decided without asking to take photos of inside my property, I was uncomfortable…
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No Building Regs
I am in the final stages of purchasing my first property with my partner. We are close to exchanging, well we though we were but our solicitor has raise issues regarding the lack of Building Regulations. The seller has made the following alterations: Added a small conservatory to the kitchen, which has a door to separate…
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Leaseholder pack daylight robbery
I live in one of the cheapest London boroughs and they charge the dearest for the leaseholder pack. :mad: £347.00 ! I'm waiting for valuation/survey result before paying it :eek: It amazes me! Some councils need regulating not Wonga.com :rotfl:
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Waiting to exchange - Vendor missing Part P Regs
So I'm waiting to exchange on my house purchase (3 months in). The vendor has an extension that was built in 2007 and it's become apparent that he didn't have this signed off and obtain a buildings regulation certificate at the time. He's now struggling to obtain the 'Part P' section of the certification, which I believe…
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Fly tipping accusation
Dealt with.
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ignore this
Hello there Ignore this
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How to you vet a director when renting out a house
With a normal employed individual, it seems much more straight forward, payslips and bank statement will verify their employment and income. However for shareholder directors it seems much more complicated, most pay themselves a small salary, take some dividends and may choose to retain profits in the business. This is…
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What to look for in a letting agent? (as a Landlord)
Hi All, I'm looking to let my property soon. I've lived there the last few years but am going to another country(s) for a while (long trip) as a so would like to keep it on as an investment. What sort of things should I be looking for in a potential agent? It will have to be fully managed due to my moving away so is there…
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Please help!
To cut a long story short. My parents are giving us the money for the deposit. I had been saving for a deposit for a long time but this is to now be used on renovations. Partner has not saved for as long as me therefore does not have as much money, so it is unequal. Parents want to protect their money, I want to protect my…
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Plaster Skimming - Repair or Improvement?
If extensive skimming work is required to an old property whose plaster is in poor condition, would this seen by HMRC as a repair (and therefore not claimable when calculating CGT), or would it be considered an improvement?
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Building regs for Orangery
Having narrowed down a specific area (an estate build over the last 5 years), I have been actively looking for a house to buy there. Nothing to sell, currently renting, and have a good deposit. There is a house which has just come back on the market after having a Sold STC status for the last 2 months. 4 bed modern…
