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Reduced mortgage offer due to pension salary sacrifice
My daughter was given a mortgage offer based on her salary of £121000. She has a deposit of £28000 and had an offer excepted on a house. During this period she was driven a company car and was given the opportunity to enter the company pension scheme. Her company does this through salary sacrifice and now the mortgage…
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Chief Rent charge...help!
Before I go into this, I completely understand that anything said here does not constitute binding legal advice. I could do with some help however. In certain pockets of the UK, it seems there is a a scenario by which, certain individuals have a right to enter your property and occupy it without recourse through the…
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Change of name on deeds
Hi good morning everybody, I inherited my mothers house last year and want to change the name on the deeds. Is there any way I can do this myself other than using a solicitor ? I have tried the land registry but the call queues are very long Many Thanks
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Kencast Construction Info?
Hi all, I'm interested in a detached property that is prefabricated Kencast and I can find very little info on this type of construction when searching the internet, can anyone shed any light on it? Some info I did find suggested that Kencast construction is so problematic that the these type of properties are effectively…
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Same property but recorded twice at LR
I was registering properties with the Property Alert feature at the Land Registry and one of them is recorded as both Leasehold and as a Freehold. How can that happen? It is the exact same property that is owned outright. Any suggestions before I contact the LR?
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Council offering to sell me a garage pending valuation, what would it be worth?
Hi all. I currently rent a garage off the local council, unfortunately it's not close enough to my house. They have been in touch asking if I would like to buy one that's on my property line, pending valuation and inspection. It's a standard single garage in Skelmersdale (just outside of Wigan, north west England). What do…
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Cancelled Mortgage Valuation
Hi wondered if someone had any advice. I have excepted a offer on my property a couple of weeks ago, we both have solicitors , I am selling to a first time buyer on Friday I had a message from their valuation company from Halifax (Llyods) asking to arrange an appointment for a valuation I rang them back 10 minutes later…
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How often does the amount you can borrow change?
We went to see a mortgage broker the other day and told us we can borrown 4.75 times our salary. Which is ok but we live in an expensive area so can't get much for the £320k plus deposit we can borrow. He said last year he was lending 5.5 times peoples salary but it had just changed. Does this happen often? Is it worth…
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Amending a title document prior to exchange
Hi, We are in the process of buying a new home and currently the solicitor is waiting for feedback for the additional queries raised from the draft contract. One thing they have requested is the title deed be amended as the property name still contains the plot number which I guess is from when the original developer…
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House buying..mortgage query
Hi...we have recently sold our house...we have found another one...all going though ok...just a query on my finances...im not bad with money but I don't have a lot...so i generally go into my overdraft which is 200...we have about 700 on credit card...we have 3000 in saving...plus we have 20% to put down on next house from…
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Lodger harassed by live-in landlady
I moved into the room in early August. Since last month, the weather has gotten really cold and I used a fan heater in my room. Landlady had a word with me, so I stopped using it that frequently. She occasionally stood outside my room to check (by listening to the noise of fan heater). Last Thursday, she has said that I am…
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Receipts
If I pay a landlord electronically should I ask him for a receipt? What would be the nature of the receipt? Thanks
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First time buyer help please
Hi, I'm (hoping) to be a first time buyer within the next few months, but I have a few major questions. My partner is contracted for 25 hours a week but consistently (since march when he moved departments) has worked 35 hours a week. I'm contracted 30 hours a week but on average (since February) is working 35 hours a week,…
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Online conveyancing vs Traditional
Hi all I wondered if anyone had any experience of using an online conveyancing company for selling a house? If so which company was used and how long did it take to get everything done? Was there a lot of chasing involved etc? I'm toying with the idea to keep costs down.
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Service charge for repairs questions
I am the leaseholder of a flat in a block of other flats and we all pay a monthly service charge to the Freeholder (property management company). Recently one of the flats incurred damp problems and needs to have lots of damp proof work done, the result of which the other flat owners (leaseholders) have been stung with a…
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What would you offer?
Hi All We recently viewed this House in Wythenshawe Manchester http://www.rightmove.co.uk/property-for-sale/property-45078816.html We put in an offer of £115,000 but after 2 weeks of chasing the EA were told that the vendor had rejected our offer. The entire house wants modernising and redecorating. We like the house and…
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Is Damp in a Purpose Built Apartment Block..
managed and dealt with by the management company through paying the service charge? The damp is being caused by an external fitting from the property above...
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Has a buyer technically exchanged once they have signed everything?
Or is there an exchange date set? I am sending all the forms to my solicitor signed, but do I still time to withdraw until an actual date is set or is it as soon as forms are returned?
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Leasehold purchase - Pier Management
How long does it take for a management agent to send out a leasehold management pack!! Absolutely absurd the length of time some management agents take, just adds to the stress of purchasing a property. Anyonelse had similar experiences?
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advice needed r.e. getting deposit back student house
Hi. Our student tenancy finished 31st July 2016. We had a £1000 deposit (4 x £250). We received our deposit statement in September, which had £53 of deductions which we agreed to. In the email we received it stated that the deposits would be returned within 5-7 working days. For the last 10 weeks we have been waiting for…
