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Discovering faults on moving out day
Hi all I'm a first time seller and I'm a natural worrier. We've exchanged contracts a few days ago and have set completion dates. We've been honest throughout the sales process in all our declarations, and the banks survey came back ok for the buyer. It was surprisingly thorough, and there was no other survey. We've had a…
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Releasing equity to fund new home?
Hi all, So I live in a property which I inherited from my mother, officially inherited March this year but lived in for the past 9 years. There is no mortgage attached the property so I own the home outright, and it is me solely on the deeds. The current situation is my partner is pregnant with our second child, and…
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First time buyer - want to rent out rooms
Hi. I'm about to get my first mortgage for my first house and Iwould like to rent out 4 bedrooms in the house and live in the last. Will I still be able to use the government first time buyers schemes? Will it be classed as a buy to let mortgage in the eyes of the bank? Because I will only have a 5% deposit and Ithink they…
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Can I claim my holding deposit fee if breach in contract?
Hello, Today I had to move on to a new room, but the agent was not there and he didn't answer my calls. I paid a holding fee of 400 pounds, and in that contract said that I had to start today (12th of November). Now I am in a hotel because I don't know anything from the agent. He ignored completely my calls and messages…
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How likely to get mortgage after AIP
Hi, we are waiting for a decidion on a mortgage. We have an AIP and the full application is now submitted. We have paid fir valuation but it hasnt been instructed yet. Is it positive that we have the AIP or does it mean nothing?
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What to do with 50% inherited house and a grumpy brother
My elderly father passed away unexpectedly in February - leaving his home equally to me and my brother. The grief was hard but now I am ready make decisions. My older brother has 4 daughters and is now my only 'close' relative. He's a bully, throwing tantrums, not speaking to me to get his own way. I put up with it for my…
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Purple Bricks
Hi all, probably not the first post about PB, they have to be the most mixed reviewed company I've ever come across. They are like marmite. For me, my experience hasn't be 'great' to say the least. My house went up of March this year at a ridiculous price, but on taking the agent's advice we gave it a whirl. Over the space…
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First Time Buying, but...
Hi All, many thanks in advance for any help offered. So the situation is this. I am living in a rented house and looking to buy. I have never bought a place before, and therefore never had a mortgage. So in that respect I would be a first-time buyer. However, 9 years ago I inherited 50% of a small house with my sister. It…
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Anyone got experience of online estate agents?
My house is in an area where they sell really easily so I'm thinking of using https://www.visum.co.uk/Pricing/Sales All I want is for my house to appear on Rightmove and this seems the cheapest way to achieve that - once I've found interested buyers I can do the rest myself.
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What does it cost to move?
I'm 20 years out of date with selling/buying hence my ignorance. If I sell my house for £300,000 and buy another for £300,000 (no mortgages involved) how much will I need for fees, charges and removals, etc? Ball park figure sought... Thanks B.
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Concerns around house valuation
Hi All, I'm in the process of buying my first home. I've had an offer accepted at 126k. Having done some homework on prices in the area i'm concerned that i'm paying far too much for it. The houses on the same street go for much less (around 110k) than that but the value is quite close to houses that are sold in the same…
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All completed but a problem with the keys.
Morning all, Just looking for some advice really. We completed on Friday and when we went to collect the keys we were told that the key to the back door would be in the property however when we have got in....despite searching high and low we can't find it. Now I do recall on my second viewing of the property the EA…
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Just a thought ... how do estate Agents make money ?
Rainy Saturday morning and I was just letting my thoughts wander as we had a valuation from an Agent yesterday ... he seemed pretty desperate (fee 0.75% + VAT) ... though we'll probably go on-line as that's still £4K. I live in Christchurch Dorset, draw a circle a mile or so radius and most of the area is marshland or…
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Rogue landlord
I moved into this flat 2 months ago and the landlord has given me a bill for building insurance, £126 payable direct to the landlord. I signed up through an agency and the lease has no mention of building insurance. I thought building insurance is the responsibility of the landlord? I have my own tenancy insurance. Hi is a…
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Renting property instead of selling?
Hi, After some guidance on how it would work if you decided to rent out your property instead of sell it (i.e. because you want to buy another property). We have 50K left on our mortgage, it's valued at 200K. Would we remortgage on a BTL mortgage to take out as much as we could? Then you use that money to fund the next…
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A question about what I can take.
A question. Thinking of moving house. Would it be okay for a) me to take my stove with me, and b) taking my cooker with me? Stove, because I love it and the type I got has drastically shot up in price since I bought it, and I could not justify the cost now. The cooker, I bought a free standing range cooker specifically…
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New Build Boundary Error
Hi all, We are going through the process of buying a new build house (all finished) and on the Land Registry the plans show a different boundary, meaning that our garden will be reduced in size a little bit. We have not yet exchanged (this is the issue) and the developer is putting the boundary right, as per the Land…
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I want to buy my rental home but how much is it worth?
Hi. I like my rental home and I'd like to offer my landlord a fair price based upon a real valuation. I have done the online valuations based in size and postcode which have given wildly different results. Also I have looked at similar houses in my street which has also given wildly different results. How can I get the…
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How long does it take to get your house on the market?
Hi I freely admit to being impatient but how long does it take to get your house on the market? From signing on the dotted line , getting an energy certificate check details and photos done and approved. Then having the house details online. I am only asking because I think I have chosen the wrong estate agents! Thanks.
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Freeholders going behind our back to extend block
Hi everyone I own a leasehold flat in a purpose-built block of 4 flats. I bought the flat in 2010. Also in 2010, two of the four flat owners bought the freehold of the block from an absent freeholder. I was not aware of this and wasn't invited to pay for a share. I have since asked them if I can also buy a share of the…
