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Landlord wants me out....
My landlord put the house up for sale , and I allowed viewings when I was t working, but now she says that's not enough and wanted me to take time off work to fit them in. Which I obviously refused. She then sent a family member round to warn me, if I didn't do what she wanted I was out... I told him I'm not taking time…
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Mortgage panic
Hi, here it goes been looking on here for ages but only decided to post today!. On 07.04.16 hubby and myself had offer accepted on a house. That's the yay bit..... Then sets in the panic!!! In 2008 we had our first house repossessed after my husband was made redundant and I was on maternity leave, to cut a long story short…
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Cost of living, studio flat. Council tax?
Hi all, I'm trying to get a rough idea of what I can afford. I've just seen a "reasonably" priced studio flat and am trying to sum up what this will cost me as a single person. See http://www.choices.co.uk/property-details.html?pid=e1ddb69a-6e7b-44cb-8d7d-b160fa4662c6&aid=%7Bdade559b-5f03-4775-a321-a8856b5a1e26%7D So it's…
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Building's Insurance Through Factors
I'm currently going through the process of buying a flat. I've been informed that the building's insurance is though the factor that manages the property. I've just recieved my mortgage offer and I need to make sure I'm covered. Am I immediately covered from the point I own the property? I'd imagine I don't start paying…
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Instructing solicitor + Mortgage application
Hello, I have had an offer accepted on a property, and have an DiP with a lender. First question: I am in the process of instructing my solicitor and I am unsure how to proceed with the paperwork. The instruction form asks for details about my mortgage lender. From my perspective I don't have a mortgage lender because I…
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Second Home Tax Confusion. Please Help!
Mass confusion due to the new second home tax legislation... I currently own a home with my ex parter that is rented out with consent to let. My husband has never lived in the house that I own, and is now looking to purchase his first house that we will live in together. Due to previous arrears on my mortgage this will be…
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house renovation may not have building control
I viewed a house today .It was an ex council house that has been repoossed .Needs decorated new bathroom ect . The kitchen window has been extended to make patio doors but ,the head was not replaced .A downstairs toilet was added internally .The origional back door has been blocked up . We are assuming there was no…
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House under valued by mortgage lender
Hello, We've had an offer accepted on a house for £290,000, just had the valuation report back and they have valued it at £250,000!!!!! The vendor won't budge on price understandably and we love the house and feel that it is worth £290,000. Could anyone explain what our options are, it's saturday so can't speak to our…
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How much to spend on a spare bed?
I live alone in a three bedroom house. I have one bed i.e. the other two rooms are empty. I would like to buy a bed for another room for when I have a guest. I was thinking about buying this bed: [FONT="]http://www.argos.co.uk/static/Product/partNumber/3393934.htm I have seen much cheaper beds for sale. You get what…
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Solicitor / Conveyancer recommendations
Hello all, I'm looking to sell and purchase in London and would be grateful for suggestions for a good service I could use. Its about 12-years since I last moved and my previous one has retired. Feel free to PM me or post here - which ever you prefer. Many thanks
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Landlord Issue - please advise
Hi all, So I'm currently in the middle of a very stressful situation. 2 weeks back, my fianc!e and I noticed a small fungus growing from between floorboards in my hall. After some investigation, we found that the cupboard that houses the boiler had been leaking for an unknown period of time (probably a few days, based on…
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Switch residential mortgage to buy-to-let mortgage
Q: I have a residential property (apartment) mortgage and at some point in the future wish to change it to a buy to let mortgage after I have purchased a second property. The second property will then be the family home. What is the process for doing this? What are the implications financially, particulalrly with the new…
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How much longer until we're in?
Just wondered if anyone had a rough idea of how much longer things will take until we're In our house (we're ftb). I cannot remember the exact timeline of everything but we had our offer accepted on the house on 1st March. We have nothing to sell and the house we have bought is already empty -bought from elderly lady who…
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living with building works?
Hi all, We have seen a lovely house. REALLY good price for the area. Its been totally renovated with brand new everything. So colour me suspicious.... Went to the open day and the house has been done to a excellent standard. Attention to detail and great workmanship was very obvious. While walking round the agent advised…
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Getting a mortgage on a Doran house
Hi guys - 1st time buyer (to be!) here 😊 I have my eye on a lovely house but (after falling in love with it) have found out it's a Doran construction (prefab concrete built) which means it can be near impossible to get a mortgage for it :/ just wondered if anyone had been through the mortgage for a Doran construction…
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Sq Ft misrepresentation FTB HTB flat
I've reserved a new BUY with £500 (HTB). Mortgage approved and HTB authority to proceed issued. Exchange of contracts due in 2 weeks. Yesterday I realised the flat above the one I reserved is identical in plan but is 30 sqft lesser in measures. I have now asked the sales office to confirm the Sq footage. They are asking…
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How do Endsleigh/Experian calculate your income for Sole Traders
Hi all, Does anyone know how Endsleigh/Experian calculate Annual Income for self-employed persons/sole traders? Last year my partner and I went through the process of credit checking in order to rent a flat. Part of this process involved Endsleigh/Experian asking for our bank statments to calculate our income as we are…
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Tenancy credit checks
Good evening, I hope someone may be able to offer some advice or knowledge of the credit check process with letting a property. Specifically if you have a bad credit score or fail the credit checks Or situation being my partner is self employed only recently and credit history is pretty much none existent. I own my own…
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Staircasing and shared ownership: surveyor recommendation wanted in London area
We're staircasing in a shared ownership property and are looking for a RICS regulated surveyor in the London area who will give a realistic valuation. Can anybody recommend one? As we're staircasing I don't want to pay over the odds for the remaining share. Also, any tips to make sure the valuation is realistic? Thanks so…
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New tenant credit check
Hi all, After some advice. I am about to move out of my parents home and rent my first place. Ive found a place and am going through the motions with all the usual stuff and am now at the stage of the estate agents doing to credit check and status request on me. Obviously this takes a while but im not actually sure what…
