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Exiting my agreement early
Hi all, i am looking or a little bit of advice as to where i stand with my currently situation and some guidance on how to move forward. to make a long story short, I am in a 12 month tenancy agreement, which is due to end 15th June 2017. We have have multiple problems with the property, many of which were outlined to us…
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First time buyer - mis-sold
Hi everyone, First time buyer! I recently purchased an apartment in Chelmsford on a Shared Owndership bases (25%) from Colne Housing Association. The apartment is great however, since completing, the following things have come up: - Parking: I knew the property didn't come with a dedicated parking space so I spoke to the…
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Overpaid rent not being refunded
Summary: Landlord and agency terminated AST 11 months into 12 months tenancy because landlord wants to move back in but they are refusing to refund overpaid rent. What can I do to get my overpaid rent back - moved out 10 days ago.
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Wrong Date on Rental Agreement
I have signed A Lease Agreement with my Tenants in last few months. But just checked it now that the Ending Date was wrong but the Starting Date was Right. And the Term of The Agreement is Right as well which is just 6 months. For example (Starting on 01/01/2017 Ending on 01/01/2018 which is 16 Months, but the Term of The…
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A mortgage overpayments question
If you overpay on your mortgage each month, can you take a break in payments later on? For example, your contractual payment is £700 per month but you pay £800. After 7 months you will have paid an extra month, after 14 months an extra 2 etc. Now, say 5 years down the line, the worst happens and you find yourself out of a…
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Estate cross-connection box located in my private property. Help please
Hello all, I have bought a property that currently it is being buit. I have just realised that the estate developer has installed a public cross-connection box (for Virgin or BT) inside the boundaries of my property; some space in my front garden is used for that big box, which has a footprint of 150cm x 30cm and 150cm…
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Can any local Hullensians offer advice on good areas vs bad to live in central Hull?
Tl;dr want central as possible but not rough ~400pm 1 bed. I am just reading this thread and things seem to run alot differently to how they do in Manchester (where I am currently and eager to escape). Here everything in the city centre is new builds and very hipsterish (and expensive) so if you look at something within…
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Buying a new home, questions with HTB ISA bonus and fees.
Hi, me and my partner are buying a new build home from Persimmon, we have a mortgage offer and are waiting to exchange but I have a few questions I hope someone here can help with. Firstly we both have help to buy ISAS with around £4250 in each, our deposit is only £7250 and we will need the spare to buy things for the…
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Advice re selling a tenanted house
Hi all, I'm new here so please be gentle! I'm just looking for some advice from any of you who are good with finances! :) I bought a house in 2004 for £54000 and decided to rent it out to go travelling in 2011. I no longer have a mortgage on it and it is rented out fully furnished with a rental income of £450 a month…
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Leasehold in Lower Sydenham , Freehold in Woolwich Arsenal or stay put ?
Hello, I am new to the forum and would truly appreciate your views :) We are a first buyer couple and now is the time when we can start looking to buy a house in London ( where we both work) The question is, should we buy one of the new flats which are all leasehold properties, like a brand new flat next to lower sydenham…
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Advice on offer from sellers POV
Hi, i'm a FTB and have already lost out through best and finals on a couple of houses and am now a bit more nervous of trying again... We viewed a house yesterday that has been marketed twice and both sets of buyers have dropped out, the second because their survey came back as needing a full rewire and they had no money…
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Buying a Caravan ? Wise investment?
I'm thinking of buying a caravan and then renting it out to families on holiday. Or any one who needs an affordable stay and accommodation. Do you think this is a wise investment? What considerations apart from site fees should I know about?
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Council Tax refund - Montgomery Chamberlain ?
Hi I have received out of the blue a letter from a company called Montgomery Chamberlain Associates (co # 09766791) informing that I am due a council tax refund of £810 before charges in respect of a property I sold 9 years ago. The company is based in Northallerton. Incorporated in 2015 with no accounts filed yet. One…
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Landlady asking me to pay this month's rent again
Each month, I pay just over £400 to my landlady (I'm privately renting) from my Halifax bank account to my landlady's business bank account by using the Pay An Account feature, then selecting her account from the "Or an existing recipient:" drop down list. The payments have always gone through successfully and indeed I…
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Distribution of funds
Hi all, First post but serial lurker, please be kind :-):) We've sold our house to a cash buyer and waiting to exchange. We'll be using the funds from the sale of our house to pay our 5% deposit we need on our new build we've reserved. We're doing HTB on the new build. I feel really silly asking this but just want to…
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Flatmate's Mum is trying to stop me subletting!
Hi All, Longtime lurker but new poster here! TLDR Can a flatmate veto a subletting of my room? I’ve recently come into a fairly awkward/interesting issue with my flat that I was renting with a friend from University while we were both studying for different degrees at the same university. With bills this was costing us…
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Stamp Duty Question
Dear all, My wife and I are first-time buyers and have received conflicting advice about how much stamp duty we’ll need to pay on our new home. My wife inherited a 9% share of a property abroad 5 years ago. My question: Is this considered a second property and do we therefore need to pay the higher SDLT rate? My reasoning:…
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Survey results- more than historical movement
We are first time buyers and have just got the survey back on the house we are hoping to buy. But it is saying there is cracking and deflection that appears to be more than historical movement. Is this serious? Should we ask the vendor to get a structural engineers report?
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How does it work when hiring a removal van to move to new property a way away?
I am thinking I will move nearly 100 miles from where I currently am. If I hire a removal van how does it work in terms of arriving at the address to receive them? Do I need to travel with them on the journey. I do not want to do that for two reasons. One it would be awkward being in a van with a stranger for 2 hours or…
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to buy or not to buy...
To buy or not to buy…. I purchased my current flat 10 years ago when I was single, in this time a partner has come and gone and I now live alone. I am wanting more space and also a garden. I can stretch to a small 2 bed cottage in my local area not much more, I keep on yo-yoing between wanting to move for more space etc…
