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Mortgage with AP marker on credit file
I've had an offer accepted on a property and in the process of sorting a mortgage. A few months back i checked my credit file and saw an AP marker on my noddle and checkmyfile reports. it was showing on my HSBC credit card for august 2012. coincidentally it was the very month the card was started. I've been to the branch…
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Hiring contractor
Hi guys, I am hiring a company to do my internal house improvement I have checked them throughly and so far so good They were on which trusted trader Asked for PI certificate which they forwarded Two questions i have are: They have registered office but when i turned up they business did not exist there They said that is…
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Charge from leasehold company
Hi, Sorry I don't know what forum to post in. We own our home but the ground it sits on is leasehold. We pay £550 per year rent. We want to build a conservatory the management company have come back to us and said for permission we must pay £2,500. Is this change acceptable or are we bring ripped off? The leasehold keeps…
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Should we pay or not?
We are in the process of buying a new build from a small local developer (there are just 2 identical houses on the plot.) The house was advertised as allowing the buyer input on the choice of kitchen, tiles etc and that really appealed to us. The vendor accepted our 97% of asking price offer and as both houses had been on…
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'Help to buy' Equity loan - Poison chalice?
Me and my fiance are planning on moving home Early next year, and are weighing up our options. We are getting very confused about which options will be best for us. One scheme we cannot seem to get our heads around, is what the 'True' cost of these Equity loans for first-time buyers truly seem to be. We estimate we will…
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Is my plan bonkers?
We agreed the sale of our property in April with a completion date of June. Buyer pulled out just after brexit and on the day of exchange. We have decided to rent it out for the forseeable future - have consent to let in place and have done since 2013. Now, we also offered and agreed a price for a property we like. We've…
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pac testing required?
Hi we currently rent a flat(its a company who own the block of flats we rent from so never see/speak to landlord), every April they come out to do the gas check and put a pac test stick on for the following year but the flat is unfurnished apart from a fridge-freezer/built in over and washer machine with built in dryer,…
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Advice on indemnity and who responsible?
We've sold our house and having the usual issues with solicitors. They're now saying because I can't prove the windows were fitted prior to April 2002 I will have to buy an indemnity policy for my new buyers. Basically I moved into the property in 2007 and the windows have not been changed while I've been here. They do…
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Creeping/flying freehold
We are buying our first home, a mid-terraced freehold house with a garage in a nearby block. The garage is included in our freehold title; great. The problem is that there is a leasehold flat situate above the freehold garage (which is the same for all the garages in the block). From looking at various title registers, it…
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Unadopted road
Selling our house and our road outside is Unadopted will that affect anything
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About to exchange - new structural wall query
After 12 weeks, we are about the exchange our contracts on our first property. I spoke to the solicitor this morning who has informed me that the seller hasn't been able to provide official documentation about a wall they removed in the kitchen to create a kitchen diner They have said the builder told them it was safe to…
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Possible emigration - is it a bad idea to still buy a house?
Hi all, looking for a bit of advice! My husband and I have been looking to buy our first home together for a while, we are currently renting. One sale fell through about a month ago, and we have been looking for another. However, there is now a distinct possibility that we may emigrate within the next 2 years. This would…
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Stamp Duty question
My partner lives with me, we are not married and the property is 100% in my name. She has never owned a property in her name before. She is looking to purchase a btl property outright in cash - its not a massive amount and under the £125,000 threshold for first time buyers. But as she is not planning on living there, would…
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Properties with multiple lenders on LR.
Hi there, I've been looking at a couple of properties and purchased Title Registers from the Land Registry. Some I've seen have an additional lender other than the mortgage lender. Ideally when the property sells, the mortgage lender and any other interested party (Skye Loans Ltd for example) will have first dips on cash…
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Break clause during 6 mth AST - question
Hello guys, We have a 6 month AST renewal that was renewed with an increased rental amount at the end of a 12 month AST. As we are buying a house we actioned the break clause contained in the agreement in month 3 - effectively ending the agreement in month 5 of the AST. The landlord has come back and claimed that the break…
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Buying our first house - nightmare?
Hiya, i'm new here. I have searched online for someone in the same position a me, but struggling and really need some advice/an outside opinion. We viewed the house and fell in love with it in Jan this year. Very quickly we put in an offer, and after best and final we were accepted. Mortgage approval came through quickly…
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Flats without leases - is this normal?
Hi. I'm starting a new thread as my confusion has moved on to another issue :-) My block has six flats. Three, including mine, have leases. The other three flats are owned by the freeholder and rented out. The managing agent has told me that the freeholder contributes to the service charges which cover shared costs such as…
