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Buying before we sell our current home ...
Please can anyone advise? We're about to buy a bungalow using cash from a legacy, but haven't yet sold our current home - we fully intend to, but want to have the new place completely decorated, stuff installed, etc, before we actually move in No mortgages are involved, either on the current or new home, and I realize…
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Forget about Brexit - what if we Remain?
Will house prices just keep hurtling upwards? 1 beds I saw a few months ago for £200k are not £250k even with this so-called slowdown. Surely next year they can't jump another £50k can they? These are starter homes for crying out loud and you need the salaries of 2 people or 1 very well paid person to buy them. Pffff.
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Vendor lying about alterations?
Hi Wonder if anyone can give me some advice please. We are in the process of buying a house that has had a loft conversion & had the integral garage converted to a bedroom. In addition our surveyor has made specific query as to why the roof has been replaced. Following receipt of the local searches we have found that no…
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Scottish conveyancing recommendations
Hello, I am hoping to get some recommendations from personal experience of good conveyancing firms or Solicitors, who can deal with property conveyancing in Scotland and who can also deal with commercial property purchases. The property I'm purchasing is a low value one, I have been quoted £350 from an online firm( that…
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Energy Saving Grants available to Landlord with empty property
Hi, I recently parted ways with some long term tenants and I am spending money on the house to get it into a decent state before re-letting it. I will get an electrician to carry out at least a partial (if not full) re-wire, a new bathroom suite will need to be put in, new flooring, the whole house re-decorating, a loft…
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Do we have to be Tenants in Common with a declaration of trust?
Hi all, I've read a few things on this but can't find out whether it is a must or just the normal for most.. We've had an offer accepted on a house (yay!) and have agreed between us how it will be financed but because it won't all be 50/50 we think we have to have a declaration of trust and therefore be tenants in common…
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Any good deals for Home Insurance
We are in the process of buying a house. The buildings insurance is required for the Exchange date. Can anyone recommend any good offers that they have had. I have been on a few sites comparing but just wondered if anyone's got a great deal.
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Japanese Knotweed
There is a field behind my house that has a planning application. The council's ecological reporter emailed the council in March 2016 saying he had no response to his previous email in Oct 2015 stating the presence of Japanese Knotweed. I rang the council who shrugged and told me to contact the developers agent. As yet he…
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Council right to buy and mortgage
Hi all So I currently live in a council maisonette and have been for the past 13 years. I had a succession to the property from my late mother and have officially been the named tenent for the past 5 years. I live in London and now that I have a stable income from my employer of under 1 year, I am considering to persue…
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mortgage term expires in 1.5 years - what to do?
Hi my mortgage term expires in 1.5 years. i am looking to quit my job in the next few months and effectively retire (although will be doing various things to keep me busy). the big problem is i have a mortgage and whilst i would be able to meet my mortgage payments easily even without a job, my mortgage term expires in 1.5…
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Mortgage valuation and brexit
Hello, Does anyone know how quickly a bank would adjust to the changing market for their mortgage property valuation? As in, if the valuation was to be done now vs a few days after the referendum and values dropped because of outcome of the vote. Would the valuations differ from this week to next week? Thanks
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When to book the removal company?
Hi all, All parties in the chain have agreed to a 30th June completion date. However, exchange is likely to happen Friday 24th June, more likely the following Monday due to awaiting deposit funds from the bottom of the chain. My question is when would the best time be to book the removal company?? We have already had the…
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Early Rent Increase, is this possible?
[FONT="]Hi, I need a bit of advice on how to deal with my landlords proposed rent increase. I am on a Assured Shorthold Tenancy with an initial fixed period of 6 months. At the 3 month point of my fixed period the landlord has proposed, on a form 4 of section 13(2) of the 1988 housing act, an increase to my rent of…
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mortgage on bought home
Hello fellow money savers. I have been very fortunate to have gained ownership of the family home. I'm looking at buying a flat and would be interested in mortgage thought. The house I own is mortgage free and worth approx 450k. Is it a good idea taking out a mortgage against my main house. I'm looking at a flat where I…
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Problem with solicitor
My daughter and her boyfriend are in the process of buying their first home together. They both took out help to buy isas as they thought the government bonus would come in handy. They've just been given a completion date so closed the isas and gave the closing statement to their solicitor so he could claim the bonus owed…
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Pension or BTL
I am a novice buy to let investor holding a full-time job like many others. I am torn between contributing to a pension (which I only recently started in my last job) or using this proportion of income to reduce the mortgage on my rental property. My employer (NHS) contributes a significant proportion to my pension pot,…
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Fees for buying a house
What is the minimum amount of money I should have in my savings before looking to buy my first home with my husband? We live in the East Midlands, already have the deposit, and will consider houses for approx £135k. Thanks
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Fixed Term Rental Agreement - Any Options?
Hello all I've been living in a rented flat for about 10 months. I have been ill for many years and am unable to work, and the only way was to pay 12 months's rent in advance as I cannot get a satisfactory reference. As the property was very popular, I had to pay more than the asking price in order to win over several…
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Management company.... never registered
Hi all. Anyone ever heard of a newbuild development never registering the management company? The house was built 2007. Sols are baffled as it is mentioned in the sellers paperwork that fees per annum is due. I have knocked on doors and it seems well known that developer just never set the company up. After this amount of…
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Freehold management company in bona vacantia
hi everyone. We've got a problem that I'm hoping someone can help us with. Ultimately its a case of persuading our neighbour to do something, but we need some advice to help persuade this person. We moved into our current flat just over 4 years ago - we have a share of freehold with 3 other flats. The accounts for the…
