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Repairs and mould, us or LL?
We rent a 1 bed ground floor flat and are having problems with the LL doing repairs. The bathroom is in the centre with no windows and the sealant round the bath has started to go mouldy and peel away, they are saying mould is our responsibility and due to not ventilating, we never shut the bathroom door and the mirror…
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Advice Please: Exchange delayed by sewer
Hi To cut a long story short, first sale fell through after buyer had mortgage refused. This buyer was all set to exchange today but today his solicitors have raised a query as the local search shows a sewer in the yard somewhere. My solicitor is off today so exchange is now delayed. Is the sewer a potential deal breaker?…
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1930's style home - advice
Apologies if this is posted in the wrong thread! I am a first time buyer and am considering making an offer on a 1930's 3 bed semi-detached property. Any advice from home owners or tenants who live in this age/style of property of the good and bad points or trouble areas that I need to be aware of would be a huge help!…
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Fariwater, Cardiff - Advice please?
My other half and I are first time buyers looking to buy in the Cardiff area. We have found a property that ticks our boxes in Fairwater near Fairwater Primary School but know little about the area. We have read threads which give mixed responses. If anybody who knows about the area could give us some guidance on what it…
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Strange situation just before completion- Need advice!
I am in a very strange situation & urgently need advice from experts here: I have signed the contract on 31.08.2016 & agreed on completion date on 12.09.2016. Yesterday I came to know that current owner has outstanding mortgage on the house which I am buying & he is not paying mortgage payment since quite a while. My…
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Signing freehold management company docs
Hi, I own the lease on a flat in a Victorian house. Along with the two other flat-owners, we're starting a new freehold management company that will own the building. Question about signatories to the Articles of Association. Would you recommend all the shareholders do not all sign & witness? The main reason to own via a…
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Valuation Survey Query
Hi, Hypothetical scenario: A property has been advertised at £250000. The vendor has accepted an offer for the full asking price. The buyer requires a mortgage of £125000 ( 50%) and his lender arranges for a valuation survey to be carried out. The survey concludes that the property is worth only £240000. Question: Will the…
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Flood Risk for House Purchase!
Dear all, My wife and I are in the process of buying a house. The survey has come back and we've discovered that the house is in a flood risk zone 2 (quite close to a 3). According to the environment agency maps, this means that there could be 0.1-1% chance of flood per year. That doesn't sound much but flooding is surely…
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Over £100p/mth agency fees!
Hi, My girlfriend, daughter and I just moved out of a 2 bed flat having been there for just 6 months. Our rent was £675 per month. We were told that we would receive a 12 month extension after our initial 6 months but that they do not sign people for 12 months initially. Nonetheless, my real aggravation is more concerning…
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RICS Building Survey
Hello MSE, Need some advice regarding a RICS Building Survey that was carried on on a property we purchased. The survey cost £425. The details the survey provided were as follows: The most comprehensive report for home buyers Detailed property inspection Comprehensive structural report on the condition Ideal for older,…
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second home or not?
Am a joint owner of a property which will be going on the market soon. Neither of us live in it. I live abroad and the other owner has own house in uk. Its currently occupied by elderly relative. We are about to buy said elderly relative a different house in another county with cash funds. Q - will 'second home tax' apply…
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Buying home - extension query
Hi, Quick question. The property I am planning to purchase has couple of extension done and an internal wall removed. Looks like they have planning approved by the council. I have a question though. Who will confirm that the extension / removing internal wall they did was as per plan / properly done. Does the council…
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Divorce-marital home sold. Advice on signing contracts?
Wasn't sure whether to post here on in the relationship section..however I left the family home, my soon to be ex husband is still there. The house has a buyer and is going through conveyancing. I have been sent copies of contracts to sign and have a few queries as it's tricky signing these things remotely-Ex is…
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Sell or let to buy
Hi, Not sure of the order in which to do things - so looking for input from people with experience of selling and/or letting to buy. I have a decent amount of equity in my house, enough to buy a property outright in my chosen area (moving out of London to the South Coast). Our current property has LTV of 23%. According to…
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Who is responsible - The tenant or landlord?
Just a note for those who read my previous threads - I have cleared my arrears and am looking at sending an official notice to the LL for compensation. If he disagrees then I may decide to take it to small claims court. Right so what I wanted to know is who is responsible for the following: 1. The toilet does not work -…
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Scottish Tenancy Advice - No hot water in bathroom & constant leaks
Just looking for some advice. I have a short assured tenancy in Scotland. I've been renting with a letting agency for the last 4 years and I've had constant problems with leaks and my boiler. Last year on 15/08/2015, our bathroom ceiling fell in above the bath, when my boyfriend was in the shower (it's an electric shower…
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Do I have to see the financial advisor at every damn estate agents?!
I'm looking to buy a shared ownership home and have savings set aside for this. I made an offer on somewhere recently and got my mortgage agreement in principle set up, but the house went to someone else. I saw the mortgage consultant at my local Taylors and he was very helpful, no complaints. I've now seen somewhere else…
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(Scotland) Landlord advertises at one price then says its far more.
Not my landlord but has happened to friends and also he owns the flat above me. He advertises flats at £200 normally (in disgusting condition) when the going rate is more like £300 around here. Upon signing he tells people its £300 or alters the contract from a 2 to a 3. The last 3 tenants in flat above me have said same…
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Estate agent encouraging me into breaking lease from day one
I'm in the process of buying a leasehold house and I only found out a few weeks down the line that pets are not allowed without permission. I've asked my solicitor to contact the management company to gain permission but my estate agent is pressing me into proceeding with the purchase without permission, knowing I have…
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When is the time for deposit & ISA help to buy?
Hi, Please tell me at what stage I am actually going to transfer my 10% deposit? Is it on an exchange day? Also, if my completion day is 23rd and my ISA funds monthly topup is at the same day. Will I get bonus from that extra topup?
