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Indemnity insurance
Hi all, Do you know much about indemnity insurance of sell or buy of flat was to fall through? How can one get it? My solicitors don't offer it. There will be 2-3 ks in cost so rather have an insurance to pay for it if it fells through Thanks
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Can I afford to move out?
Good Evening, I'm currently living in my parents house and I'm wanting to move out but, I'm really not sure if I can afford to. I don't want to move out and then end up moving back if I can't afford it like many of my friends have in the past. I would be moving out on my own as I'm single and the majority of my friends…
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CGT & Loans
Hi, I'm not sure if this is in the right area, if not please advise where and I'll repost it. To quickly summarise (as I'm fairly sure it's a stupid question) - Wife and I currently live in a house owned by mother in-law, she wants to sell it and loan us the money from the sale to get our own house. I think she doesn't…
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Finding a New Home Seems Impossible
I am desperately trying to find a new home for my family. Here is my situation. I have a family of 3 (including myself, son and partner), we have been looking for a new house for a year in South-East UK around Hampshire. Since then my savings and salary have increased, we can now afford a property to the value of £180K…
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Can I live in my buy-to-let property?
I've had a renral property for a while which is on a buy-to-let mortgage and I have a residential mortgage on the property I live in. My employment circumstances have changed recently and I may need to move back to my btl property. What's the best way to approach this with my current lenders? I have evidence of my change…
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Conveyancer recommendations in the Reading area
Hi everyone Just wondering if anyone has any recommendations for conveyancers in the Reading area? Everyone I have asked have said they wouldn't recommend the people they have used! I don't want something overly expensive but happy to pay a little extra for a good service!
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Let out, or sell up x2
Thanks for any advice, I currently have to btl property's with at least 50% equity. I'm currently living in one with my wife and baby the other is let out for 550 pcm I make about 200 after the repayment mortgage. The question I need advice on is, would it be financially better to rent both house's to pay for a new family…
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Help please
Hi All Sorry for what may appear to be a long and complex message. My bf and I are currently in the process of purchasing a house. Before Christmas it went through, and came out of probate, and all the paperwork was in the process of being sorted for us during the third week of January, until we came across a stumbling…
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inheritance tax - confussed
my parents have made a will leaving the house to me and my sister when they both decease. The house is around £400k. there will likely still be an outstanding mortgage on it that me and my sister will have to payoff. will it be a case that we will have to pay the mortgage and an Inheritance tax on the property? the market…
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New Home Purchase & 1st Baby on the way
Hi All, I was just wondering if anyone had any experience of moving into a new house that needs some work and a new born baby. The house is livable as all amenities seem to be working and in OK order. I say OK as the house was owned by an older person so it is very old fashioned and in need of some serious modernising.…
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Buying first house - aiming too high?
Hi all, I've done a lot of number crunching and finally decided that my perfect property price would be around £130k, but I could stretch to £138k absolute max if the property needed pretty much next to no work whatsoever. Last week I viewed a house in my ideal location for £145k. Its new to the market as has only been on…
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Single person buying a 2 bedroom house?
Is this a "waste"? Would 1 bedroom be better? Any MSE loners/singletones have experience?
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Doing some sums...
I'm trying to come up with a reasonable figure for what I should put aside each month to cover ongoing maintenance for a house I am thinking of buying. Its 3 bed semi, ex LA built in the 1950's. Roof retiled 10 years ago, new combi boiler 3 yrs ago, new soffits, guttering and downpipes 2 years ago. Windows all fine but…
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2nd Home Stamp Duty married couple
My wife owns the house we live in. If I buy a property myself, will I have to pay the additional 2nd home stamp duty? Thanks in advance.
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Ending a fixed term residential tenancy
Hi I have a fixed term tenancy I would like to ensure the tenant and my liability with it ends on the expiry date, which us about six months away. How soon can I serve notice to ensure the tenancy ends on that date? Do I have to wait or can I serve it now, to end six months away? What form does the notice have to take?…
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estate agent's advertisement
I agreed to a sale of my property (STC) and from the outset we did not want for sale boards etc but the estate agent has just used a picture of our property on the cover of a flyer that they stuck through every door on the estate where i live (except ours) we only found out wen a neighbour informed us. can they use you…
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Lease variation
Hoping someone can offer advice on the following: I bought a leasehold flat in 2005 and am now selling. In 2005 the existing lease was varied but now my buyers solicitor is sighting it as defective. The flat is currently tenanted and the tenacy expires at the end of May. The crux of the matter seems to be the lack of plans…
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Issues with my property management company following leak
Hi all, I've come to the forum seeking some advice with my property management company and hope somebody reading this will know how I can get this problem resolved. Back in August 2015, we had a rainy spell and some strong winds around Manchester. We then started to hear water accessing our apartment from the ceiling. The…
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Checking if someone died in your house
Hi all I have placed an offer and after reading a guide to buying house it was mentioned i should check to ensure no one has been murdered or died in the house How can one find out? Typing full asdress in googleand search?
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Possession Notice received on a Local Authority Tenancy
A family member is in arrears with both rent and council tax on a council property. She received a posession Order yesterday giving her until end of Month to vacate as Bailiffs are turning up to take possession of the property. She will be homeless. If her arrears were paid off in full by other family members would this…
