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Oh dear - This is looking legally very dark
Some of you might have read my post a day or two back regarding an aspect of my planning application and the local parish council (thanks for thoughts on that, everyone) but things have got a little weird since then. I now have written evidence that at least one person on the local parish council provided the planning…
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Advice on renegotiating price after survey and EICR
Hi there! I've no real experience of property price negotiation, so I'm asking to see if anyone can help. I recently offered the full asking price of £95,000 on a flat and this has been accepted. I had a "Homebuyer's Report" survey which stated: the flat had various minor defects and that the flat's electric heaters are…
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Can I walk away if I have not signed a tenancy agreement?
Hi guys, I am currently looking for a rented apartment, and last week, found one I liked. So far, I have signed (via an estate agent) :* A tenancy fee declaration form * Agreement to credit checks * Bank/standing order details * Maintenance issues form * Confirmation I received a "How to rent guide" However, now I am not…
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Dropped Kerb - Buying an House
Hi, We are in the process of purchasing a house and was hoping to complete by the 2nd of December however my Solicitor has pointed out the dropped kerb used for the driveway was not authorised by the council and after asking the sellers solicitor the response we received was that she was not aware she needed to apply for…
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Whens best to complete? Week of christmas or first week in Jan?
Unsure what date...any advice for a ftb?
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SDLT - Would this be classed as a second property?
My husband and I live in a mortgage free house which is solely in my name. If we were to buy another property with the intention of renting this out, and have it solely in his name, would this avoid paying the additional percentage towards SDLT since the new law came in? Or would it somehow be classed as a second property…
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LPE1 form vs Management Pack
Hi, what is the difference between an LPE1 form and a management pack. We've received the nanangement lack but my solicitor is still asking for replies to the LPE1 form. I thought the management pack answers all the questions in the LPE1 form.
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Credit Card Debt
Have just had an emergency and had to spend on my cc which is 5k now. ( only debt) How much of a problem would this be to a lender. Do people apply for mortgages with cc debt often? We earn 100k between us as a joint income and manage the debt down by paying 500 off a month
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Scotland Stuff
Morning So I'm likely to be buying next year, and am giving Glasgow / Renfrewshire some serious thought. I have had many many trips to visit the area due to friends and I am totally mobile with my job. Two thoughts that I need to grapple with that I'm hoping some locals could spare some knowledge / punditry? 1) Tenement…
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Mortgage advice please
Hi There, I am currently looking to buy a new property and own a property that i will be looking to sell as part of a new purchase. My question is can i use the equity in my current property to help me pay for the buying/selling fees?
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What about if you lie in Form N9A regarding earnings?
Hello, I started a claim agains one person, and in the response, form N9A, he is lying regarding his employer, his other employments and “other living in my home give me” (he is trying to hide he is receiving 800 pounds per month apart from the salary). I guess he is doing this to appear that he has less money. What he…
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Want to buy another property, paying mortgage and bills on another.What can I borrow?
Hi all, I want to buy another property. I already have a mortgage for one property (one I live in) and pay it's bills as well. I want to buy another property in the country side less than £200k. I have a full-time job. How can I realistically calculate how much I can borrow and what I can afford with living costs as well…
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Issues with problem tenant
Hi guys I am in need of some advice please. I have a flat which is rented out , we are by no means professional landlords so pretty clueless, the tenant was having his rent paid by the universal credit, they were only paying £50 per week and tenant was meant to top up the other £30 the has been going on for a year and he…
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Best option please.
Hi everyone, I'd appreciate some help please. I live in a house which has a £140000 mortgage on it (valued at £260,000). Interest rate is 3.29% I rent out my first house (no mortgage) for £650 a month. Would I be better off paying a higher rate by getting a buy to let on the rented property, but getting more tax relief…
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Right house wrong area or vice versa?
We've accepted an offer on our house and the sale is progressing nicely. We put an offer in on a house, initially accepted, then rejected and the vendor went with a cash buyer. Offered on a second house, again vendor chose another buyer. And now we can't find anywhere else. How long is it reasonable to keep looking before…
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When is brownfield not brownfield
Hi - I'm aiming to do a single house build project on a small piece of brownfield land I own and could do with advice from anyone in the know about one aspect of this. Around 70% of the land is brownfield and I have confirmation from my local Planning Authority that this also what they regard it as - my question is whether…
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Home Buyers Report Adice pls
Hi Its me again we are in the middle of purchasing our first house and we have just had the results of the RICS Home Buyers Report and I dont really know what to do next. Its come back with a three for the roof coverings and structure and they are recommending that we get someone to look at it. Also it says that we need to…
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Private Tenancy on a Budget
Hi, I and my partner are viewing 3 properties tomorrow for private rent. We are currently expecting our first child in January, having only known for a month. Because of this, we are trying to put ourselves in the best financial position possible whilst I am on Maternity leave as we have very little time to save. I am…
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Tenancy Deposit help please (further update as landlord now wants more money)
Hi, after a little bit of help please. A friend is trying to get a case together against her landlord as he is withholding her deposit due to issues he feels the flat has. (trust me, ive seen the pictures and there is no way it was left in the state he said it was. ) He is charging for 11 hours deep cleaning for a 2 bed…
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House buying legal documents
I never received a copy of my purchase contract (signed or unsigned) following completion of my house purchase. The solicitor says they were not required to provide a copy of this document as part of the purchase process documentation. Is this right? They now want £42 from me to get the paperwork out of storage.
