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Fixed rate mortgage
I've got a 2 year fixed rate mortgage with £62k left to pay. Is it possible to move to a more expensive property whilst on a fixed rate mortgage?
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Buying House - No Building Reg Completion Certificate
Hi everyone, We are looking at a property to buy which has had an extension added. All the work that has been carried out has undergone all the necessary building regulation checks and inspections. All that is required is that a new stairs is needed before the building regulations will sign it off as complete. The vendors…
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Multi Occupied property
Hi wondered if anyone had any experience with the above basically sold our home to an investor who plans to make it 5 en suite rooms with communal kitchen etc I wondered is the buying process for us as sellers the same?
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Offer accepted, now buyer wants to drop offer
I accepted an offer on my house about 5 weeks ago and found the house I wanted to buy last week I left it till after the referendum to spend any money starting the conveying process in case my buyer dropped out if we had a Brexit vote. Thursday the EA called and said the buyer wants me to drop 12k!!! off the price on my…
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Offer accepted, 4 weeks later and no further forward!
Hi, I'm new when it comes to buying a house and probably a little naïve when it comes to how long the house buying process takes. I had in my head it would take 12 weeks due to no chain and they having somewhere to move to and me being a first time buyer, however it seems it hasn't got off the ground ( my solicitors…
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Has anyone ever bought a house with wider family?
I've had an offer from the rest of my family to buy a commercial property together - so that my retired parents, my family (of 4), and my brother's family (of 6), can all own a property together and run a business from it - as it's the only way we'd get a mortgage. This will get both mine and my brother's family out of a…
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Should i be concerned about credit letter?
3 months ago i rented a house straight from the owner, whos now the LL. Today I received a letter to 'the occupier' from engage credit. It states; We are the mortgagees for the named property and we're trying to establish who is in occupation of the property. Please contact etc etc. I called, but they were vague…
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FTB advise
Hi all, newbie here so be gentle :) I'm in need of some advice from more knowledgeable than myself as this is driving me crazy. I'm in a first time buyer looking for my first home. I have been looking for quite some time now and am in a fortunate position to buy a home in cash. Saving since I was a teen and being careful…
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Stamp duty on a main residence purchase
Hello, I'm new to the forum but would like to ask some advice. My son purchased a property which he started letting whilst he saved up to buy a property with his partner. When he purchased his main residence with his partner he got stung with the higher stamp duty on that property. He/we want to do a transfer of equity…
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can i stay in the family home untill the kids are out of full time education
my wife and i have been separated for a number of years but have always still lived in the same house with the children, after a row a couple of months ago we had a perieod of time when she and my two sons one who is 18 and the other who is 16 did not talk to me. i came in from work last week to be told that she was…
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Does the bonus from Help to Buy ISA take the interest into account?
I think my solicitor may have made a mistake. The amount they have deducted from my bill lists the Help to Buy Bonus as an irregular number, which they got from taking my final ISA balance and dividing it by four. But that includes the interest the ISA earned. I'm pretty sure the government only gives 25% bonus on what I…
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rodent problems - just about to exchange
We are due to exchange contracts & have just found out we have rats in the cavity? We have problem neighbours (loud arguments, banging & crashing etc) & have declared it all but they have been good last 8months. Then couple weeks ago we realised that they had stopped putting rubbish out & there was about 20 bags piled up…
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Valuation down - advice needed
recently our valuation was done and they said it is overvalued for what we are paying in the current climate with brexit etc. we agreed to pay £542,000 but the valuer has said it's only worth £475,000. i am not sure what we should do because the seller has said he won't take less than what we offered. he also said that we…
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TR1 form - witness occupation?
Does anyone know if there's been a change in this form in recent years? Our solicitors have sent through a TR1 for us to sign, from anecdotes and a draft copy online, it seems that section 12 is usually blank and needs to be completed according to the land registry rules. The solicitor has pre-filled boxes for myself and…
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Anyone able to help wanting to buy a old 1920 house
Looking to buy an old 1920s house, apart from the usual new heating system bathroom kitchen etc. it has a few large cracks running through it only on the inside walls tho an under the stairs. Anyone able to suggest whether this is serious work or just internal wall work thanks
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Faulty New Build Property
Hi, if anyone can help our enquiry we would be very grateful. Sorry for the length of post, also I know a lot of this is law related but some of you may have relevant information or experienced similar. We purchased a new build property in South Wales through a local housing developer last year, we bought the house as…
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Finding Large Deposit For New Build When Money Tied Up
My wife and I are looking to purchase a new property. This propery is a new build and is not ready until April 2017, HOWEVER the house builder needs a 10% deposit right away to reserve the plot. This is one of 27 other houses on the development and they are asking the same of all buyers. My house is on the market and will…
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Conveyancing Recommendation
Hi, Does anyone recommend a conveyancing company, either online or not. I'm looking to buy a flat in South London. Loads about to choose from and no idea who is reliable. Cheers
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Changing title deeds
Long story short I'm divorced and sorting out financial statement - ex has offered me house and CCJ if I don't touch his pension. As an ex bankrupt with a CCJ I'm struggling to get a mortgage and part of the settlement is that I get the exes name removed from the mortgage - so my brother is going to lend me the money to…
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Entry During Notice Period
Could someone please confirm for me whether landlord has right to access property at any time (with 24 hours notice) during the two month notice period? I was under the impression we could refuse entry but is this not the case after notice has been given? I'm seeing conflicting info when searching and nothing mentioned in…
