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Final credit check?
So who can tell me, Do Barclays/Woolchich do a credit check on it around the time of completion? Track it online is at completion stage now, just awaiting the funds being released 🙄 Get my keys a week today and I'm terrified waiting!! Why are mortgage processes so nerve wrecking?!
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Survey Problems - structural engineer advice
We have accepted an offer on our 200 year old cottage, but our buyers (and us) have been rocked by the pretty appalling Home Buyer Report they've had done. Even our EA, who's careful and very correct, called it 'aggressive' (We've subsequently learnt that the consensus is that a Home Buyer Report isn't suitable for…
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Difference of new bathroom to valuation
If a property has since had a new bathroom since its valuation, what would you expect the increased price to be % wise? If say, a property is in the £190,000 region beforehand. Thank you
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Question about leashold on new home
We are currently looking at moving home and have been looking at new builds in the local area. We have seen a very nice new build home we like built by Bellway. After enquiring further it turns out the homes are leasehold with 999 year lease so that is quite irrelevant, but there is a £250 ground rent per annum and £100…
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Are our Vendors messing us about?
Hello, need some desperate help! I posted 5 weeks ago about a house we put an offer on where the vendors are yet to find a house and are very picky. Well fast forward 5 weeks and we are still no closer. Vendors have been on two holidays in those 5 weeks and never told us or the EA they were going. As far as we know they've…
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5% Mortgage or push for 10%
Hi folks, just looking some opinions. My and my wife are looking to get our first home soon. However we are currently deciding whether to go a 5% Mortgage now or wait and gather a 10% Mortgage? I know the interest rates are higher for 5% but we currently pay 650 a month on rent. Would paying the higher interest rates be…
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data protection
A landlord uses an agent for a fully managed service. Landlord requests the agent to provide the tenant's contact details (phone). Can the aget refuse based on data protection?
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House buying Bank Transfers
Can anyone please give me some advice . Currently most of my money is sitting in my Natwest business account earning next to no interest . The money is to be used to purchase / deposit on my first property which I itend to do hopefully in the next year . I wish to transfer it into the Coventry building society bank account…
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Question re £1000 Buyers incentive schemes
Can anyone answer this for me please. I am helping my grandson to get on the property ladder and the house he wants is part of the Sequence Homes / WH Brown £1000 incentive scheme. We do not want to use the incentive scheme as in my opinion it is just another way of EA's getting money out of buyers and seller. It entails…
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First Time Buyer - Am I being impatient?
Hi, We are first time buyers buying on Shared Ownership. We have a mortgage advisor that sorted out a deal for us with Nationwide. The valuation was last week and the MA said they had received the report back on Friday - I haven't heard anything since then. The Housing Association were given the details of our solicitor on…
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Naked in the garden - what to do?
I am after a little advice on a small issue which recently come about. A little background: My wife and I purchased a detached house in Germany recently from a very nice couple in their 50's. The house has a selfcontained "flat" in the basement. The sellers asked us if they could retain use of the flat for half a year…
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New build - deposit
Sorry if this is a stupid question.... I have been asked to pay my 5% deposit to my solicitor in advance of exchange of contracts. I asked whether I had to deduct the £500 reservation fee I paid the builder. I was told no, I had to pay the full 5% deposit and that the £500 would be deducted from the statement at…
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Estate Agent wants to see Homebuyer Report - Should I Show It?
Our estate agent has asked us if they can see the homebuyers report as we've asked for a small reduction in the price of a proerty. As we paid and comissioned the report, my first instinct is to ask them for some money or just say no. But then I don't want to make things difficult. Obviously the Estate Agent is going to…
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Estate Agents taken money for house we no longer rent - won't give it back.
Hi all, I'm just wondering if you have any advice about an estate agents which we used to rent a property before we moved into our owned house now. We lived there between Oct 2015 - June2016. We moved out recently and were so pleased - I dropped the keys in and the member of staff said to me "That's all we need. I've…
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Tenancy in common with paranoid schizophrenic
About 6 months ago I entered into a tenancy in common with a lifelong friend as a way for us both to get on the property ladder. Recently he had his first paranoid schizophrenic attack. I understand it was not his fault and i strongly wish and hope that he can have have a happy life. However, having read up around the…
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Yield %
Hi guys, Tried the search function but found nothing on yield. I've been lucky enough to inherit some cash along with my brother, and we've decided that we will pool together and buy a house to rent out. There are two houses for sale right near me (a decent area currently going through a £1billion investment in the town…
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When should I give my notice for my flat?
I have a completion date now (although, this was just said by the estate agent over the phone). The completion date is in 3 weeks. Does that mean I will get the keys then? Should I give my notice now, which would give me a 1 week overlap? I am worried about: * Somehow ending up with nowhere to live. * Ending up paying my…
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Cleaning of room after a tenancy agreement shared property
Hi My partner recently left a short term tenancy agreement. In the agreement, and common sense applies, he cleaned his room and communal areas to the state/condition they were found in, prior to starting the tenancy i.e. the first day the tenancy begun. The property was basically clean on the day the tenancy started. It…
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Equity Release?
Hello Advice please! I started a thread here a while ago about buying from my parents - thankfully that has all gone well and I was able to do this, thus securing my parents property for their future. Some of the advice was very useful so thankyou. Onto my next plan! I have identified a seemingly abandoned property I wish…
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want to buy a house
hi - first time poster here, hoping for some advice - not sure if this is the right thread though. i live with my husband and little boy in a housing association flat, but we are desperate to buy our own property. We are both in good jobs, my husband is full time, and i will be going back to work 3 days a week when i…
