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Helping son to buy a house
We have a sum of money we could loan our son to buy a house so he does not need to get a mortgage. We would want a set amount paid back each month, as they would to a mortgage company, but we do not want this to impact tax wise on us. It seems to make sense to help him and his wife out, without the interest rates from a…
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Deposit on exchange
I'm a FTB exchanging on my house next week, and the statement I've just received from my solicitor has confused me. It requires less than the 10% of the house price. I do have a help to buy ISA bonus but I didn't think this was taken off the deposit at exchange? And even with this being the case, the amount requested…
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MSE News: Plans to ban letting agent fees unveiled
The Government has today set out further proposals to ban letting agents from charging administrative fees to tenants...Read the full story: 'Plans to ban letting agent fees unveiled' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum?…
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Leasehold flat - service charges query
Hi all Wondering if anyone can assist. Long story cut very short we've had issues with the company running the flats we live in and ended up forming a housing association. Due to the building being a mix of flats and businesses we can't obtain right to manage. We've been in discussion with the management agents over costs…
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Adverse land ?
We are buying a house had the land registry come back and the drive isnt on there , so the sellera solicitors haave come back and said its been used like that dince their mum had it for 60 years and that we have the information to claim it after completion , our solicitoes have gone back saying its been noted but we…
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Issues with landlord
Hi, Thanks in advance for reading/responding. Was renting property up until christmas and had been there over 3 years. Initially was doing it more as a favour to business partner who had previously let it to a friend. The property was in poor condition, but agreed to do rent for a low rent until he decided what he wanted…
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Should i be worried? selling House
Hi I'm new and would like some advise please!. I accepted an offer on my house the end of February i kept chasing my estate agents as it's taken the buyer 5 weeks to book in the survey. The survey was done on Tuesday will i find out the results of the survey even if the survey is ok?. All he did was measure the rooms it's…
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Another Buy-to-Let thread
I've read of the perils and pitfalls of buy-to-let mortgages and renting to family, and how you have to run it as a business and being a landlord is a big responsibility. In a semi-hypothetical situation where a) the property was bought without a mortgage b) there were no relatives involved c) the new landlords had already…
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OFF PLAN new built property TIMESCALES how long in total?
Hi All, :j I wonder if anyone has experiences about “buying OFF plan new development property” I am a first time buyer buying a property from - a seller who is buying a new OFF plan new development property. We are about to exchange the contract in the end of this April. The completion date on notice. Today (7th April) the…
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Selling / parking catastrophe - please help!
Hi, Apologies for the length of this post - if anyone can be bothered to get to the end, I'd really appreciate some advice! We have a piece of land to the rear of our property that we have historically paid ground rent to a private company to be able to park on. (We own the property and a portion of the land to the rear,…
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Mortgage AIP?
Hi I went through a broker to get a mortgage. On my exprian report there is a default (satisfied) and some satisfied pay day loans dating back to July last year he said he wouldn't be able to help but referred me to a specialist broker who said only if I had a 20% deposit. I only have a 15% deposit. Anyhow by chance I…
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Can drying plaster cause damp reading in survey?
I'm in the process of buying my first house (3 bed mid Victorian terrace) and recently had a RISCS level two survey completed. The survey reported that there is damp in the walls of the ground floor and within the chimney stack in the roof space that required urgent attention (score 3). I asked the estate agent if the…
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Freehold charges for installing cable?
I have received a letter from my freeholder saying that I have to pay £40 a year for having Virgin media as well as a 1 off payment of £360 for a deed of variation to the lease and £23 to register it with the Land registry. My lease clearly states that I have the right to run electricity and telephone cables to the…
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LET TO BUY (not Buy to Let) - pros and cons? Surely cant be too good to be true?
Hi Guys Firstly, apologies if I am posting in the wrong room, I hope I am in the right place. My situation: i'm the hubby, lovely wife + boy and girl, ages 6 and 4. Colleague situation : hubby, wife, 2 girls and 1 baby boy. My colleague used to live in a 2bed house, but when his son arrived they had to move to a larger 3…
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problems with old landloard
I have moved out and trying to my deposit back from the estate agent/landlord but he is claiming the house needs a full clean. I clean and painted the house before we left. in the last email he mention there is some condensation staining and I will need to pay for the repair. I cant see how that would be my problem and it…
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small roof from one side of the flat - do i need planning permission?
hi! I've recently moved to a leasehold ground floor flat with garden. there is 6 flats per block. we're not paying maintanance charge until sth is broken and needs repair. I found out gutter is leaking which caused water dropping on my patio (2 part already damaged) and water is splashing on walls which caused mold…
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Transferring Sky/BT Accounts or New customer?
Good morning everyone. Our purchase is progressing nicely and we should be in our new home in about 2 months I think. My Sky and BT broadband deals are due for renewal in the same time frame. I normally haggle with both and generally get a deal of some sort but I wondered if anyone had any advice on whether it's generally…
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Water Bill for block of flats
Hi all, I recently moved out of a block of flats. Previously, it was a single dwelling, and converted to flats just before I moved in. Separate water meters were never fitted by the landlord, despite my raising this early on. I also tried (unsuccessfully) to have the supplier send me an unmetered bill. The landlord now has…
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Section 21
Hi, I recently posted my tenant a section 21 notice on 29th March as I need to sell the house. I added an extra month's notice for her so moving out date is 30th June. I posted it first class with proof of postage and sent two copies from different post offices to avoid the "lost in the post" claim. I also included a…
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Appealing council tax band?
Has anyone had any luck appealing the council tax band on their property? Buying a house in Band C at the moment but looking online seems like the majority of our neighbours are band B. So think we're going to give it a go once we move in. Anyone any experience? Is it as easy as it seems on the guide?
