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Land lord insurance
Hi everyone Quick question - does any one have any recommendations for a good Land Lord Insurance provider? I have heard Direct Line are pretty good? Also, (this may be a 'how long is a piece of string question') how much should I be looking to pay? It's a 3-bed unfurnished mid-terrace in Liverpool. Thanks for any help :)
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Giving our house to our son.
Can we do it ? We own our house and want to buy another house for ourselves to live in (for cash) while leaving our son in our current place. There is no IHT problem, so can we just give it to him?
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Proof of Deposit
Hi all, So this is a bit of a long winded story so I apologise in advance. I am a first time buyer and I am really stuck as I know nothing about houses and mortgages and am putting my trust in advisors. I placed an offer on a property at the end of 2015. There were many delays in the mortgage offer because of the lender…
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Neighbour put fence in our garden
Not sure is this is the right place to post but anyway this is our problem. We've been renting out our old property and it has been with the same people for the last 10 years. We pretty much left them alone in that time, just having someone go in to do the usual to get the required certificates. As they will be moving out…
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Two leasehold management pack charges?!
Hi all We are currently going through the process for buying and selling and would like some advice from you guys. Basically it’s to do with the leasehold management packs (we are selling a flat). First off, I was shocked and appalled when our solicitors turned round to us (and may I point out the only direct communication…
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New House Purchase Issue with Help to Buy ISA
Hi, Our Conveyancer has today told us that he is no longer willing to deal with our property purchase due to us using a Help to Buy ISA as part of the deposit as it is "too much paper work" unless we can pay the deposit with without it. They were aware of us having a Help to Buy ISA from the point of us instructing them to…
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Mortgaged property bought jointly, who owns it?
Hello MSF Forum Members, I have a situation, and I need some advice urgently. This is a very unfortunate situation. I bought a house as a council right to buy. I was tenant in that house, so was my wife and my mother. Me and my mother have lived in that house around 13 years prior to buying it. Now, my mother is a…
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selling house in event of divorce
I have been separated from my ex husband (due to his emotionally abusive behaviour)for four years. Him and I bought a house together exactly five years ago in joint names. For the last four years I have been living in the house, paying the mortgage and keeping up repairs. He has not contributed anything. I have decided…
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New build options price change.
Hi I'm currently in the process of buying a new build with my OH with Taylor wimpey. On the 12th of March we had our options meeting and gained a quote from Taylor wimpey for carpets we chose to not go for carpets at that time to get quotes from other sources. We came to the decision that Taylor wimpey had priced…
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Independent / developer-appointed valuation
Hi, Quick question - we're having our house valued by two local agents appointed by a new-build developer, with a view to part exchanging. However, we have already requested an independent valuation from one of the agents they've also appointed. Is there going to be any sort of conflict of interest? Any tips for working…
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New build barratt home am i getting a decent deal or should i haggle more
Hi there I wondered if anyone had any advice in on haggling on the price and extras of a new build home I am a first time buyer, have looked at lots of stuff old and new, & i am veering more towards buying a new build. ....I have been looking to purchase a new build on a Barratt development, 3 Bed semi detached £172.500…
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Vendor viewings - good or bad?
Hi, I've just had an estate agent around who's been telling me horror stories about online agents - no surprise there! Anyway, one of the things he said which I thought I'd check out is that viewers don't like being shown around by the vendor. Do you agree with this? I can't imagine that it would make any difference to me…
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Deposit Not Returned
This issue is related to the tenancy of (text removed by MSE Forum Team) which is owned by Max Estates Limited. I moved into the property on 23 June 2015 and I moved out on 23 December 2015. I signed License to occupy document. The flat is not shared with anyone and it was provided for exclusive usage only. The deposit…
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Contract Race, not informed by estate agents
Hello All I've got myself into a right pickle all because I saw a house that I loved. I went to view a house, the EA did not turn up but the owners showed me round. Fast forward a few months and an offer tga5t was put to them fell through and the vendors accepted my offer. I started to proceed through the estate agent only…
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Electricity and Gas - Rented Property
Hi All, I’m wondering if you can advise me a little here…. I’ve moved in to a brand new property 3 weeks ago and the only thing I have left to do is sort out my gas and electricity. I have a gas meter key so this is no issue. My electricity meter is in a locked cupboard outside of my property for which my landlord and…
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My ex is renting my house out
I got out of an abusive relationship over a year ago. He proceeded to kick me out of our jointly owned house and is now renting it out. He refuses to put me on tenancy agreement and has not given me any of the rent money. (I suspect he has spent it all). He spent £2,000 on the property, which he borrowed from his parents,…
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Estate Agents 'Priority Lists'
Hello all, I was hoping someone would be able to clarify something for us. My partner and I are first time buyers currently looking for a property. We have left our details with about half a dozen estate agents in our area (West Sussex) for them to let us know if suitable properties come on the market. However for two of…
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Getting ex wife to pay her share of expenses on shared propery which is rented out
OK. My husband rents out his former family home, his ex wife wants nothing more to do with it and two years ago went off leaving him to deal with it. It was and still is in negative equity, we tried to engage her in discussions over paying half each of the negative equity and then selling. She refused to engage so we let…
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Landlord has been in without permission.
On one hand its ok as long as he gave me notice but on another its annoying because I am waiting for a window replacement (old one jammed open) and was contacted whilst away from the window replacement person if I was in the following day and I said no and left a message for my landlord by email and phone asking if…
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Mortgage and ownership query
A question for a friend. He is one of four. I'll call them Tom, Sam, Jim, and Bob. Tom and Sam took out a joint mortgage twenty years ago, for the house their parents live in. Parents could not get a mortgage themselves. Tom paid mortgage for fifteen years, with some irregular contributions from Sam. Money was paid in cash…
