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AST Signing - Money safe?
Hello! On the day I sign the tenancy agreement I obviously have to hand over deposit and first month rent. Is there any way to make sure that this is safe? I am a massive worrier lol, and have tons of things running through my head like the agent disappearing with the money. If I have signed the AST, am I protected against…
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New tenant in old propert
I'll try to be to the point with this We are moving out of a rented flat - been here 2 years. Landlord has never been round, we deal with him, no agent. Landlord has rented property through agent using old pictures. Had 1 viewing and they were accepted, move in next week. Unfortunately as they have now seen property before…
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Stamp duty query
My partner & I have a joint mortgage and are selling our current residential home to buy a new residential home jointly but my partner has an additional buy to let property, what's the impact on stamp duty? There will be no change in his current separate btl mortgage. Our solicitors have not advised us that we will have…
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House with building plot attached
Hi, any advice on our potential house purchase would be gratefully received. We viewed a house which was being sold with a building plot to the rear which has full planning approved. The estate agent said the vendor was keen to sell and had spoken about splitting the property into 2 lots: 1 - the house, and 2 - the…
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Uncooperative freehold sharer.
I have recently had to move my brother in with me as he has MS and cannot look after himself any longer. We have a seller for his flat but it has come to light that the shared freehold has only 69 years remaining. The current buyer has a mortgage approved on the basis that the freehold will be extended. Unfortunately after…
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Electricity meter located inside another building
I'm in the process of trying to purchase a new build freehold property. It's an odd little place, the nearest I can describe it is it's a 1 bed semi-detached bungalow built, seemingly, in the back garden of some shops that front onto the road. As part of the property information details, the vendor notes that the…
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Buying ex out of property
Ok so quick overview for advice. Me and my ex own a mortgaged house. We put it on the market and have an offer for £127000. Mortgage is £107,000 however the redemption figure is £114000. Minus solicitor fees we would get roughly £4900 each from the sale. Since the offer I have looked into buying him out. I can get a…
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Unfair tenancy agreements and agressive business conduct rampant
Hi, Has anybody else noticed letting agents rampantly breaking the rules and being unfair to tenants? I have observed all of the following from an overwhelming number of letting agents in the Cheshire area: Office of Fair Trading 2005 Unfair terms in tenancy agreements: 3.50. Fixed charges for sending reminders for overdue…
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Landlord being difficult about repairs
I rent privately and moved into a new property just over two weeks ago. Quickly I noticed the sink in the kitchen wasn't draining properly so bought some unblocking liquid but it made no difference. Over the next 2 days it got worse so I contacted the maintenance department of our estate agents and they sent someone round…
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Advice needed: Indemnity insurance
So close to exchanging, but my buyer's solicitor insists on an indemnity insurance policy for the conservatory on my house (built in 2009.) I don't think this is possible because I emailed my Council to ask about the need for building regulations (there is a plug socket and water output pipe that most likely needed…
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Let Mortgage
Hello! Viewed a house we like, asked the LA for proof of the LL's right to let. They reply that the LL has provided the appropriate documents to prove their right to let the house, but won't show me because of "data protection". However, they say that they have it on file and it is therefore their responsibility if…
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Mortgage costs
Can someone tell me how much they paid on mortgage fees please (for a first time buyer)? Inc arrangement fees, booking fees, valuation fees, full structural survey, transfer fees, mortgage account fees, own building insurance arrangement fees, stamp duty, removal costs. Me and my husband are looking at properties from…
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Given notice to quit over the phone..
My friends in a rented property. Rent is paid on the 16th of the Month, their current agreement is up 16Th July this year. A couple weeks back the EA rang and said the LL wanted to sell so they would have to move. They came round and took photos of the house for selling it. They then rang my Friend this week and said 'This…
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unreturned deposit
Hello There Can I ask the experienced contributors to this forum, on termination of a Flat, rental agreement, how often, if ever, is the deposit withheld, and extra money requested from the ex tenants, in relation to the condition of the said Flat?
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Charge On Title Removal
Hi All, I hope this is in the right place. There is an equitable charge on the title of a property I sold, in December, in favour of Universal Credit. Restons Solicitors accepted payment in full for the debt of around £18,000 saying they wouldn't allow for a lower payment because they had the original charging order etc…
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What estate agents have to tell you?
Hi, I'm currently in the process of buying a house. When we first showed an interest in the property, we were informed by the Estate Agents that the house had been underpinned but it was just precautionary due to subsidence evidence in the area. However, now at an advanced stage and after spending quite a bit of money on…
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FTB: Please help with my survey report.
Hi to everyone. I am first time buyer. Seen few houses in Middlands, Made an offer on one, Been accepted, Arranged Valuation & Home Buyer report, All been done yday. Got valuation accepted at 139,000 equal to offer, There is also surveyor report that I am not sure of. Please help me to understand it. Whether it is has…
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SDLT Question
My solicitor today asked me for circa £54k of stamp duty on the basis we have more than one property however I'm pretty sure we are just paying £30k for the normal rate. We currently have a BTL in my partners name only and a residential in both our names. We are selling our residential and purchasing a new residential -…
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Delays with Help to Buy ISA after Santander mistake
Hi there Has anyone else had a problem when the provider of a Help to Buy ISA has closed the account down incorrectly? Santander in branch somehow managed to close the account but only after withdrawing the £1600 deposit and thus leaving a closing balance of £5 which is the only sum printed on the certificate required to…
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Replacing Worcester Boiler Advice
Hi Everyone, We've moved into a property which currently has a Worcester Bosch 24i boiler that is running fine, but is a little old (10yrs or more) and possiblly inefficient too. We've called out installers and they have recommended:- Worcester Bosch 38CDI or a Vaillant 838. I'm note sure what to do, so would appreciate…
