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Problem with Check-out
Hi We moved into our own house last week leaving our rented property. Having given our notice, but still having a month to run, our letting agent noticed we had moved out whilst showing a potential tenant round. We were called and told the tenant wanted to move in ASAP and could we check-out soon, the next day was agreed…
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Mortgage promise? FTB
Hi, Me and my partner are currently house hunting to buy our first house. We have an agreement in principle from Lloyd's which we are using a guide as to our maximum budget. Today my partner received a phonecall from a mortgage advisor telling us we have to come in and get a mortgage promise to be able to put offers in if…
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TDS update
Hi Folks, I am Amjad, based in India(Indian citizen). I was in London, returned this July end only. I have an ongoing tenancy deposit refund issue, which is already raised in TDS. My LL is not ready to consider TDS or ADR. Whether he is moving to court or not I am not sure. Please suggest what's the option left for me now…
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Letting agents - adding a term to our new lease
Hello, We are currently living in a rented property and we are now at the point where our latest tenancy agreement is due for renewal. We've been informed that there is a £30 admin fee for the privilege and I've made it clear I'm not willing to pay this fee. The agents have tried playing hard ball but eventually backed…
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Rented a filthy house with someone else's furniture in it...
About 2 months ago my boyfriend and I excitedly signed the tenancy agreement for a lovely 2 bed semi-detached house with a garden. We’d already been living together for a year but in a small, very studenty flat that we were eager to leave. When we viewed the house, it was noticeably a bit ‘grim’ cleanliness wise, but the…
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Reservation fee
Hi all, We have been going through a process of moving home and had received an offer for our house a few months ago probably April/May time. We found a home we liked the look of, reserved and paid the £500 fee. We are using the government backed HTB so had this approved and the mortgage was approved. The builder gave us…
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Newbie moving house advice needed
Hi I want to move house but i don't even know the basics so i'd like to ask a few novice/newbie questions. If a mortgage on a property was £40k and it sold for £80k then the owner would make £40k minus costs etc, right? So, if that owner wanted to then buy a house for £100k how much would the mortgage be? Could or would…
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Buying land adjacent to my house
Hi, not sure if this is the right forum so please move if need be. There is a development on the land behind my property and I am interested in possibly purchasing some of the land to increase my garden as at the moment there is a brick building jutting into the corner of it. The developer had partially agreed to sell this…
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Sons new uni house - unfinished
dropped our youngest off to his new rented uni house yesterday hes going to share with 5 others in lincoln, it still has a lot of work to be done which was promised to be finished by 01 Sept. 2 new cookers not connected up, no carpet on any stairs or landings, bathrooms have bare wood chipboard floors and no certs for the…
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Rent a Room Scheme
Our house used to be 5 cottages and was knocked through many years ago, upstairs all 5 are knocked through, down stairs we have 3 knocked through leaving 2 on the end comprising of 4 rooms with their own front door accessed via our garden (same as the main front door to the rest of the house). These rooms are currently…
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Changing from single to joint mortgage - legal advice
In the process of buying and selling at the moment. Due to partners credit history, we will need to apply for the mortgage in my name only initially but the plan is when the 2 year deal ends, to change to a joint mortgage when her credit history has improved. Spoke to a broker today who said this shouldn't be an issue,…
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Rent Charge for Freehold
Hi, I own a freehold property, but there is a "rent charge" in place against the whole street (I Live in Greater Manchester). The charge has been "informally apportioned" across all of the houses on the street, so the values involved are really low, but on reviewing my title at the land registry, I have noticed this: "This…
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Buy to let
Hi we have a buy to let mortgage and we are living in the house, I know we are not supposed to but we have been for the last 6 years, our rate is about 4.2 at the mo we pay £500 per month interest only but we have been over paying another £550pm so £1050pm. I'm quite happy doing this to clear the dept off early but the…
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Schedule 14 Application for PROW on House
Hi guys, perhaps a long shot but just looking for a bit of advice. We are in the process of buying a new build house through a small local developer. We agreed a price about 2 months back and were just waiting for the solicitors to sort everything out and for the house to be finished. We were expecting to complete within…
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Buying aunties share of Grandmas Home
Hello, I'll try and keep this short, I wasn't sure if I should put this here in mortgages! At the moment I live in my grandmas house. It is currently on the market. We moved in after the house was empty for 3 years until we moved rent free in under the agreement we modernise the house. We have since put a new kitchen in,…
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House Deposit
After some advice about the best way going forward to finance the deposit on a new house I currently have a house (mortgage free) which is rented out. I live with my fianc!e She owns her house but has a mortgage. House is currently worth 500k and there is about 250k equity. We are looking at moving for work and we have…
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2nd Property, Advice Needed
Hi There, I currently have a residential mortgage on a 2 bed flat which I lived in for 4 years. Me and my girlfriend decided to buy a new build house together which is in the process of being build but won't be ready until November 2017. Back last November I moved out of my flat and rent it to a friend. I moved back in…
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Notice to Complete
We agreed the sale of our house back in the spring. Exchanging on 2nd June with completion planned for 9th. Because our new house was not expected to be ready until early Aug we moved in with our daughter. On 2 June we were told that buyer No1 in the chain of 3 could not now complete until 10th Aug. As we had exchanged and…
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Avoiding additional 3% Stamp Duty on second purchase
Hi, Myself and my partner own a house and are looking at purchasing a 2nd property as an investment for the future. We own our current house as joint tenants and are both named on the mortgage. I understand buying a 2nd property now attracts an additional 3% stamp duty. We are not married, so could each of us own a…
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2nd home stamp duty
Hi, My girlfriend owns a flat outright (no mortgage), its on the market for £65k and is not selling (on for 9 months now). We want to buy a house together. I have two questions: 1) If we buy a house worth £220k together (say 50/50 split), will we have to pay the full £8,500 2nd home stamp duty or would we only pay 2nd home…
