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Can I claim a rent increase in a fix term period?
Hello mates, I’m going to start a small claim against my former landlord because of unfair deposit deductions. I wonder if I can add another claim there and would like to know your opinion: I was a lodger and we had a contract that said “fix term period” (for 6 months). Now I know it is illegal to increment the rent in…
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Residential Mortgage For Property Development
Hello Everyone, Firstly - I'd like to apologise if there is an existing thread I could have accessed, but haven't found too much info online. I'm a first time buyer, but would like to purchase on a residential mortgage (No ERCs or Set-Up Fees) re-develop the property and then sell on. Before purchasing my permanent home. I…
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Advice please - would like to switch to repayment mortgage but husband on nhs pension
Hi My OH and I would like to change our interest only mortgage to repayment. He's 55 and in receipt of an nhs pension which is index linked. He's also the breadwinner. I'm 41 so not due to retire until I'm 67, however my salary is lower so I couldn't take out the mortgage in my name only. We bought the property for 152000…
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Bought a house with lots of issues. Now what?
Yes, we are idiots and probably deserve all we're getting, etc. Basically, we lifted the carpets upstairs to replace and found rotten floors and several planks of chipboard of all shapes and sizes. It's obvious they tried to hide this. They moved the boiler to the loft in 2005 and had the property re-wired as well.…
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Lease extension Flat
Hi I wonder if anybody could advise. I bought a flat in January last year and due to illness am having to sell. Unfortunately due to a second buyer pulling out I have just been advised that this is happening because there is only 67 years left on the 99 year lease which makes my property unmortgageable. I would never had…
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Adverse possession
Hi help please we have maintained and used as our own a small piece of land attached to our garden for the last 16 years and it has always been fenced off in favour of our garden we put a fence up 16 yrs ago and our neighbours who are council tenants want to now buy their house and want the land back as on land reg it says…
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Sole mortgage but joint title deeds?
Is it at all possible to have a sole mortgage but have joint title deeds. To put it into context, the mortgage was taken out in the early 90's with Northern Rock. Mortgage is in the name of the Mother but the title deeds in the name of mother and son? Thanks
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Council owned ransom strip - 2nd house
I've been trying to negotiate with my LA, but it's at a stalemate now. I'll explain the details below, and would be really grateful if any of you have any similar experience or views on the way forward. I own a semi-detached house with a large side garden. The vehicle access to the property is over a small piece of Common…
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Unregistered Land on New Build Property
Hi We have been looking to purchase a New Build property from a developer. The properties are 4 x semi detached and at the rear of the houses are 2 x allocated parking spaces. Our solicitor has advised that there is a strip of land horizontally across all of 8 of the car parking spaces (circa half of the spaces). Our…
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Buying ex partner out of home
Hi My ex partner and I had a home together we split up in 2009. I agreed to buy him out. The value of the house was 90.000 at the time we still owed 70.00 so it was agreed that I give home 10.000. I could only get a loan for 7.500 gave him that so techniques owed him 2.500. I continued to live in the home with our daughter…
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can a husband and wife can get separate first time buyer mortgages?
Hi Can a husband and wife get individual first time buyer mortgages and own individual properties? Thanks
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Moving to Norwich - please can any locals offer advice
Hello, apologies if this is wrong place to post but I have seen some older threads which have received some really helpful answers, so thought I'd give it a shot! We are hopefully going to be moving to Norwich from Suffolk and would really welcome some advice from anyone who lives there on the following... I would love to…
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Paying a larger deposit or free a debt
A bit of advice please , I'm selling my house and have £23k equity minus fees approx £19-20k deposit ..new house is 92k . Would it be better to pay more deposit or pay off a loan that has 18 months left with a balance of £5k costing £415 plus £38 overpayment which would I benefit from please if I payed off loan with equity…
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Can housing association tenants spouses buy a home as FTB??
Dear All I am currently renting a property through a housing association and am waiting for the "Right to buy" to be extended so that I can get my first home. My spouse currently found a job in a different part of the country and is keen to move down there. However, I am not keen on loosing my current housing association…
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Moving from shared ownership to private ownership
Hi all, We currently have a 40% shared ownership apartment. We have just had a little girl and now looking at moving on up to a house. Next door but 1 to us (identical apartment) has just been sold for £137,500 (£55,000 for their 40%) we originally paid £42,600 for 40% and now owe about £40k. Our mortgage fixed period…
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Renting out a room - paying tax
Hi, I have a couple of queries about paying tax on rental income. Most of the advice on the internet is a little unclear and so I'd like to ask people's advice on my situation: I rent a furnished room in a house that I own and live in. I understand I have the option of paying tax on the income or using the Rent-a-Room…
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Annual gas safety check - failure
Hello, I need some concrete advice by Tuesday. Sorry if it's a long post. Will help explaning things. I am a long standing council tenant with children. Every year I comply with the yearly gas safety checks. So this morning, the engineer comes, checks things, then calls me over and says that in according to him, he can't…
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Stamp Duty Question
Hi folks I have searched through the government website and through previous threads but couldn't find the answer to my query (but apologies in advance if I have missed anything obvious!). I am currently in the process of buying a property (below the £125K limit for stamp duty), as a first time buyer with the intention of…
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Is it strange that the seller wont accept a higher offer?
Hello, :) I'm currently a FTB with a decision in principle already. I have seen a property which I really like, it's got a lot of potential, ideally I would like to renovate the property and sell it later down the line. Originally I saw this property a couple of days ago, I was so desperate to call up and enquire but had…
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Taylor and Wimpey options
We've reserved a house with Taylor and Wimpey and will shortly be attending a meeting to choose 'options'. I realise many of the options are over-priced and we would do better arranging independently but I wonder if anyone has had success with negotiating down the cost of these options?
