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White shutters do they add value?
My OH wants to get those white shutters for most of the windows in our new build once we get in. I do like them and haven't shopped around yet but they seem expensive. He says it will add value as will be sold on with the house. I can't see us moving in the next 5 years and also worried these will date?
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landlord refusing to return deposit
Hi guys I am new to this. I am in real need of advice. We moved out of our previous property one month ago, our landlord was out of the country at the time so his son came to do the inspection and handover keys. We were led to believe that he would have the deposit with him but he didn't so we wrote out a statement…
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Buyers mortgage rejected
First time post, hopefully I do it right.. I have found my way here after panic Googling. Long story short, we accepted an offer on our house 6 weeks ago today. Up to last Tuesday it had been radio silence from our buyer, then we found out that they had not even instructed their solicitor on the advice of their Mortgage…
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House purchase
Dear all, A general question if I may and wonder if anyone else has been involved in such a venture. History: My wife and I owned a property in UK, sold it and moved here to Portugal. Question: If we sold this property here and moved back to UK, would/could we be classed as "First-time buyers"? Any advice appreciated Thank…
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New Stamp Duty
My wife and I are buying a house. She owns our existing property in her name only. We plan to rent this out. I was advised by my IFA that I buy the new home in my name only, as a first time buyer, and leave the rental property in my wives name, we would avoid the new stamp duty charges. However, my solicitor reckons we'll…
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Shared Ownership & Calculating Stamp Duty
Hello, I'm currently in the process of 'staircasing' up to 100% of my property, and I'm struggling to calculate how much stamp duty I will need to pay. I first purchased a 30% share of the property. The property was worth £215,000 at the time, so I bought £64,500 worth of shares, and didn't have to pay any stamp duty at…
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Home Buyers report - Bay Window Distorted and floor timbers
[FONT="]I've had the report back and I've been going over the issues. Most are minor and/or will be fixed with our planned extension. The parts that are worrying me are: [/FONT] The walls to the front bay centre section are timber framed and clad externally with tiles. Internally, the external walls have been…
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BTL/Lodgers
I saw this in the weekly MSE mail and thought it was quite an interesting (if morally dodgy!) idea. http://www.moneysavingexpert.com/family/make-money?utm_source=MSE_Newsletter&utm_medium=email&utm_term=12-Apr-16-v1&utm_campaign=nt-bignote-three&utm_content=5#lodger If you've got one BTL property, could you register it as…
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Conveyancers/solicitors
Hi, We're FTB so I apologise if this seems like a remedial question. We're still looking for the property we like, having had a meeting with a mortgage broker and working out what we can afford. However, on top of that, I am trying to work out who I may want to instruct for the conveyancing. Friends I've asked have only…
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valuation, cracks
Seen a property i want, mortgage would be with BM solutions. Worried about when it comes to valuation as there are some cracks in the walls, my opinion would be its from when they changed the double glazing as the property has diffrent lintels above doors and windows as the other propertys on the street at the back. The…
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Selling up - Where to store the cash?
Hi All, My husband and I are moving across the country later this year for work. As we don't know the housing market in our new location of Manchester our plan is to sell our house here, and rent in Manc for a few months so we can get to know the area better before we buy a new house. My question is, while we are renting…
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Damp vs Condensation all over
I am currently renting an end terrace. its a housing association. Over a year ago they did some remedial work for the damp which they called condensation based on pictures only. its Black mould damp. Anyway. For the most they did what we had been doing already. Bleaching down the walls and in some cases the ceiling. 2 main…
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Property in USA but living in the UK
Hi guys, I have recently been given a property by a family memeber in America after another relative who previously owned the property past away. The property is currently in another family members name but she wants to transfer it into my name. The property is in America with no outstanding debt currently. The questions I…
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Declaration of Trust - Help!
Hi, My boyfriend is buying a house in his name as I have such poor credit and on a DMP. I will however be contributing monthly to the mortgage payments. We need to set up a declaration of trust. At the minute we are waiting to exchange so are fairly far down the process. Has anyone set up a DoT just before exchanging? Does…
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First-time-buyer.. Survey help please
Hello, I'm a first time buyer and have just signed the papers for the mortgage (phew).. I want to get a homebuyers report carried out, for peace of mind more than anything. My query: the lenders say they can upgrade my basic valuation to a homebuyers report at a discounted price of £192. I've found someone in the local…
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LBTT Scotland
Morning, Looking for some advice. Myself and wife purchased our first property in 2007 (a flat) and lived there for 7 years. Additions to the family resulted in us renting a house in 2014 to present and also letting out our flat. We are now (or thought we were) in a position where we would like to buy house but have…
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Buying from Corporate - Demands too high or normal?
Hi all, just wondering whether you guys have any advice at all about buying from a company - and their demands. We're in a situation where we've seen a house we love, and have made an offer which has been accepted. We have given in proof of deposit, DIP, solicitors details. We have more than enough money in the bank, so…
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HTB ISA have you succeeded?
Hello has anybody claimed the 25% back on your HTB ISA via your solicitors? How long did it take & what did the 25% contribute too in the end.... Any experiences great fully received! :beer::beer:
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New Stamp Duty Question
Hopefully a simple one to answer. Now that the new stamp duty changes are in and anyone buying a second property gets clobbered with the increased rate I just wondered when this is due? Reason I ask is my parents are looking to downsize from their 4 bedroom house to a smaller bungalow. However, the bungalow they have found…
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Cost of living in the UK
Hi all, Not sure if this is the best place to post but has to do with moving. We currently live in Sweden (me, my wife and 3 Children who are all under 7) and we are finding it difficult financially. I'm the only one working at the moment and my wife is studying. We are both from the UK (I'm half Swedish) and have lived…
