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Advice needed as Vendor refuse to take house off the market
Hi, I am a FTB using a broker in the middle of process buying my first house. I have a DIP in place and ready to proceed. Quick summary about the situation: The property has been on the market since April and since, the asking price has been reduced twice. Another estate agent has also started to advertise the property…
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Indemnity Policy Instead of Planning Permission - is this normal?
Is this normal...? We are at the point of exchange to buy a flat that does not have correct planning permission (permission was granted for 26 flats, developers only built 24). We are being told we can exchange with an indemnity policy and our bank is happy to lend on this basis. Everything seems OK, but I'm totally out of…
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Advice pls
Hi We are in the process of buying a house and the chimney sweep certificate expired a month a go do I need to request a new one. Many thanks
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Claim from Neighbouring Flat
Hi there, There was an issue with my flat that impacted the flat below mine. There were no symptoms in my flat, and I had it fixed as soon as I was made aware of it, and I can prove this. However there was a delay, to me finding out out because we were between tenants, and I myself was also moving house. I acted as soon as…
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WWYD - accepted high offer Friday, nowhere to move yet
Just reacting to the news fro the US in a fairly selfish way and wondering what others would do in our situation: We accepted an offer on our house on Friday for £155750, mortgage is currently £103k. Our property is in an area which is definitely experiencing a bit of a bubble at the moment - this is the most a 2 bed house…
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Deposit protection
Hi, Looking for some advice please on my next move. 2 weeks ago I moved out of my rental property, from looking online when trying to get an idea as to how long it takes to get deposit back I now realise it should have been protected. I have never received any documents to inform me it has been. I had been in property…
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Recommend a GOOD structural surveyor Leeds WY
Hi Everyone Need a building / structural survey on a listed property from 1700s Had a look on reallymoving per MSE, just wondering if anyone has had positive experience with a surveyor experienced with old listed building. Property is near Leeds West Yorks. TIA
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Savings from doing post-renovation cleanup yourself?
first time having a full renovation done on a house, wondering whether to take up the cleanup task myself rather than having the builders do it at the end? is the cost very little anyway in which case i'll just have the builders do it? there are no walls that need to be knocked down. it's mostly just cosmetic work…
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property valuation says asbestos could be present - advice/tips
"artex and soffits are thought to contain asbestos material which may represent a health hazard. you should instruct a licensed specialist to check the property as remedial work may be required" we just did a basic surveying report and it came back with this. we are still waiting to see if the lender places any conditions…
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Letting Agent Tennancy Credit Check
I've never missed a payment, have no CCJs or convictions or anything like that, however my Experian credit score is listed as poor, 3 points away from fair. In May, my credit score was good and as far as I can tell the only things which have made it go down are that I switched energy supply at my current home and mobile…
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Landlord title deed and contract name differ, is this some kind of fraud
Hi we have rented a house for 3 months, catalogue of repairs need doing including broken boiler. found out from letting agent landlord has no form of paying and no landlord insurance. we have been getting her post constantly and highlighted our suspicions when bank and mortgage post was coming in a different name to whats…
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What to do about energy supply.
I hope that this is the right place to ask for advice. We hope to move before Christmas but know that things can go wrong. Our energy contract finishes at the end of December. My question is should I switch to another offer with the same company which is only a couple of pounds more per month than we are paying at the…
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House Splitting
HI guys, First post but some big questions that I need help with the answers to. I have an 1800's property, part of 2 identical buildings, 4 semi-detached cottages. At some point in the 1970's the property I have was knocked through into one large cottage, so there are now three cottages. This has been badly done and now…
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facing eviction
In feb we rented a house with a private landlord, we paid a years rent up front and also a £650 bond the young lady wanted a long term tenant and we wanted a forever home my husband and i are both 57 .fast forward 10 months and the house is being repossessed by the bank and she hasn't put our bond in to any scheme,so we…
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Best house buying option. Please, help!
I need some advice, please. Back in Feb 2015 me and my husband started ltd company, so banks refuse to give any mortgage until Feb 2018 (3yrs of accounts). We have 50000£ on savings and monthly income of 2800£ after TAX and live in rented house . Currently we are looking to have 2 properties: personal home 150k-180k in…
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Repayment mortgages - how many years/what age at full term?
Tiny sample obviously but I wondered what age people on here expect to be when their mortgage is fully paid off, e.g. if we're talking a 30 yr old taking out a 25 yr mortgage it'll be paid off at age 55. Thanks
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Best Online Agent for Overseas Sales (France)
Hi, As the title really! The local agents in France are notorious for the high fees. We thought using an online agent or setting up our own website might be the best route to success. Any advice or tips would be greatly appreciated. T23
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Buying a plot of land with potential planning permission
Hi guys I'm looking for some advice as to what my options are with regard to a property I am interested in purchasing. Basically the sale only works for me if I can demolish the current house and build a replacement. A planning professional has advised me that its probable, but definitely not guaranteed, as there are quite…
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Looking for some advice please - first home!
Hi all, I know this has been done before but I am struggling to find an up to date thread. My partner and I will be moving out in January for the first time. We will be renting a 1 bedroom flat (ex council) and I am looking for an idea of monthly bills - we plan to pay with direct debits monthly! Obviously I know how much…
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Stamp duty, 2 owners
Was wondering what the stamp duty cost would be for a flat that is £160,000 that is a second home but not for my partner. I would only own 25% of the second home and have never lived in the home that I currently own. - I currently own half of my mum's house with a mortgage that I'm paying - I've never lived in my mum's…
