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House buying advice needed
Hello fellow MSEers. I am looking for some advice about house buying. I currently own a house which is still mortgaged (48k left), however due to a career promotion and transfer I am now renting and living in another house which is 80+ miles away from my mortgaged house. The intention was I was going to change my mortgaged…
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Post code issue
Hi, we bought a new build 18 months ago however we keep having issues with our post code in that when you type it into sat navs it takes you to a field about 1 mile down the road. Our estate is hard to find. Its down a street that actually still states its a cul de sac although its not anymore. This is starting to cause…
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Exchanging contracts tomorrow
It's all been so quick as its a private sale but from being potentially homeless to buying our own house has been 6 weeks :j Just wanted to say hang on in there, we were so lucky as properties in our area are so rare. We move on the 18th April, I can't wait! Our last sale completed and exchanged on the same day which was a…
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Estate Agent delaying
It will be FOUR weeks tomorrow that I instructed my estate agents to put my property on the market and still nothing. They have so far used the excuse that they needed pictures, which is ridiculous as there are hundreds of properties on the market without pictures, they said the tenants have been difficult in delaying…
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Uk deposit issues
Hi, I rented a house with my ex and i paid the deposit on the house out of my bank account! I moved out as we split up, and now the estate agent are saying they will have to pay it back 50/50 is this correct even though i paid it out of my bank account The tennancy was set up in both names but deposit left by me Thanks alot
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Succession Clause in Title Deeds
I know that in Scotland, it is possible to build a succession clause into the title deeds of a property which overrides a will. Does anyone know if it is possible to do so in England? Thank you.
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Final Offer bid rejected - a query
Fell in love with dream home at the weekend. Literally put in the asking price offer immediately. Yesterday discover that there are 3 other asking price offers so it goes to full and final offers. EA calls us today to advise that although we offered the highest amount, we have been discounted on the fact that we would have…
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Strange 3 way part exchange
Hi all, I've seen a house I like, and mine is currently on the market but I've had no interest so far. I'm told that the owners of the house I'd like to purchase are buying a new build, but they can't do anything until their house is sold. Their house is too expensive to part ex, but I don't think mine is (usually as long…
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How long from recieving mortgage offer to getting keys?
So we've recieved the mortgage offer from the lender, the solicitor has also recieved her copy, she said she is waiting on the contracts from the vendor before she conducts searches which should come this week. How long from now until we get the keys, roughly?
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UK Contract - Unpaid Lodger - Family Member Moving In
Hi, My father-in-law has hit upon hard times and will likely be moving in with us (he has exhausted all council options - including Council Charities - and has been defined as voluntarily homeless). Owing to the nature of the issues that have led him into this situation I want to create a formal agreement about the terms…
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What to do if I'm ready to exchange/complete but seller hasn't found a property?
Hello, What is the general rule if I'm ready to exchange/complete but seller hasn't found a property to buy or their chain falls through? I don't want to wait longer than necessary so is it fair for the couple selling the flat to move into rented accommodation? Thanks in advance. Mark
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Help! Delay in purchasing shared ownership house
Hi, am after any advice please before I have a nervous breakdown! We came to exchange contracts 3 weeks ago but are still waiting on our purchase ...their solicitors keep saying they are 'awaiting redemption figure' from persimmon homes who the current vendor has shared ownership with. We are buying the house outright from…
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Do we get a survey? 10 year old house
We have just had an offer accepted on a house! :beer: We are booking the mortgage valuation but unsure as to whether we should also get a survey? The house is only 10 years old and our mortgage adviser has advised it's not needed but still unsure? Any advice? Anyone had any issues not getting one on a property of similar…
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How much to save for selling/buying fees?
Hi all, I'm looking at selling my leasehold flat in 3 to 5 years (money dependant) and looking for advice on what others have saved. I've got a 1 bed leasehold flat, currently valued around £110k with approximately £42k equity. Looking at relocating and buying a freehold house between £150k and £185k. (obviously values may…
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Mortgage with defaults
Hi, I previously posted looking to know if there were any lenders that would provide a Help to Buy Mortgage in Scotland for someone with defaults as recent as 2 years old, with earnings of £45,000 basic. I have since spoken to a broker and he has advised that there are currently no providers offering this service in…
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EA dodgy tactics
Thought I'd share a worrying experience with an EA recently - (you know, one of those branch-in-every-town ones)... Tried to book a viewing with a house just entered the market - and was quizzed by EA about how much our LTV % was. Thought that was a bit odd, but managed to duck the question saying my partner deals with…
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Mortgage to cover extension work
First time buyer here so perhaps a dumb question. We are buying a 2 bed flat which comes with ownership of loft space and ability to extend into it adding 2 more rooms (both houses either side have done this). In its current 2 bed form its pretty much at top of our budget so we will be putting our 20% deposit down and…
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Advice on garage/kitchen refurbishment before purchase
Hey All, We`re currently in the process of buying a house, the kitchen is very dated so we want to have it redone asap after completion of the purchase. Because its quite a weird shape we`d like to convert part of the garage to create a large rectangular kitchen and a shower room and utility area adjoined. We`ve asked a…
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Buying an old flat - what documentation to ask for?
Hi everyone Me and OH have put in an offer, subject to survey, on a 100 year old flat. We're first time buyers and the property has clearly been neglected for some time. Therefore it will need lots of work done and not just cosmetic. What I have gathered from this forum is that there is lots of information we should have…
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Solicitor messed up completion date
Hi all, So, my wife and are in the middle of a three part chain. We'd provisionally agreed a completion date of the 26th of April with our buyer, however, our solicitor put a date of the 7th of April to our seller. My wife emailed to clarify that we were working towards the 26th and the solicitor said she would confirm but…
