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Buying first home - cold feet about area
Hi guys, I could use some advice. I'm a first time home buyer and I've just put in an offer on a 2 bed terraced property for 85k which was accepted. It is a beautiful house, absolutely stunning. All recently renovated - brand new high quality wooden floors in every room, completely new kitchen and bath room, beautifully…
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How do I deal with this situation?
Ok so shortly after Christmas I had a accident and so spent most of my time at relatives and commuting to university despite paying for student accomdation 10 minutes walk from campus as its a tiny room and up a steep flight of stairs, to be clear I broke both my hands and only recently had casts off, For first few weeks I…
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Renting: Garden acess
Hi there, Firstly, any advice would be hugely appreciated from anyone that might have been in a similar situation or knows more than I do - I confess to being mostly ignorant when it comes to knowing laws and rights in regards to renting! On 4th of February 2017, myself and my partner moved into a rented flat, before…
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CGT / Tax Advise
What professional do I need to contact if I want tax advice? And where can I search for one local to me? This advice would be on whether I would need to pay Capital Gains Tax on selling a property that I used to live in but have been renting it out for the last 3 years. thanks all
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right to buy, should i?
Hello. My wife and I have always lived in a council house, never got far in work untill recently. We suddenly find ourselves in a situation where we went from a 15 grand income 2 years ago to a 60 grand income now. My wife wants to move asap from chav land. I think we should buy this 3 bed semi save another deposit then…
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One Week's Home Insurance
Hello I am in the process of selling a house. All should have been done and dusted on 1 May to coincide with the expiry of my home insurance and the fixed term of my mortgage. The usual shanigans with solicitors dragging their heals mean that the date has been pushed back and I need to make sure that the property is…
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5% deposit and help to buy ISA
I'm currently weighing up a number of vastly different options but the one I'm most confused about is the scenario where I take out a 95% mortgage (already lined up so availability not an issue) and want to use my help to buy ISA balance towards the 5% deposit. Any experience with this? Will sellers avoid me like the…
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Renting a property while traveling
Hello people of the internet, I hope you can advise me with a future investment id like to undertake. This is my plan: Id like to buy a 2 bed flat with my girlfriend, in central bristol (uk), live in it for a year, test the waters out with renting one of the rooms and then rent out the whole flat while myself and hopefully…
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Do I have to pay extra SDLT?
I own a property that I rent out. I also rent currently. I used to own another hosue but transferred the equity to my ex-wife via a divorce. If I buy a new house for me to occuoy as my main residence, do I pay SDLT+3%? Any links to confirm your responses please? Thank you
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How often does a lender valuation come back under offer price?
I've seen various threads were potential buyers are having their potential properties come back at being valued under what the offer accepted was, but how often does this happen? Are there any official figures on this? Google comes up empty.
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Do I pull the plug on a sale now or wait it out?
Sorted thanks all x
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Damp found by surveyor!!!
Hi, just joined the forum in the hope of some help. We're currently selling our property and had offer accepted on a house we want to buy. We've had a mortgage offer accepted and a valuation on the property were buying as been conducted and is fine. The problem is with the property we live in now, (the one we're selling).…
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Mortgage lender asking about solar panel certificate
Quick question - is it normal for a lender to be asking for confirmation of certificates (MCS certificate) for a solar panel installation? We have a mortgage offer from YBS but are trying to switch it over to a new house (sadly purchase of original house fell through). However on the house in question the installation was…
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Help when renting??
Hi guys, looking for some advice with renting. We have lived in our current house for 2 years, and out of the blue we have recieved a call today from the estate agent about the landlord wanting to put the house up for sale. We have already found a new house we like however with all the fees required it would cost us £2315…
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stamp duty on buying current home
Hi Guys, Its my first post on here so please excuse any mistakes. I have used the forums before using search option and its always helped me. But this time i couldn't find solution. i am looking to buy the house I have always lived in, initially with parents and currently with mum. I do own other properties which i rent…
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First time buyer - Home survey - advice needed
Hello, I am a first time buyer have just had a home-buyers survey on a house. The survey returned a few red marks and I was wondering if someone could give some advice on what I should do next. The items I need advice on are: Chimney stack:* Several bricks are spalling. * Damp was found internally in the roof space…
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Captial Raising Mortgage
EDIT: Just realised this might be better suited in the mortgage forum. Apologies. Hi everyone... :beer: Hoping someone can help and point me in the right direction. I own three properties, mortgage free. Two are residential properties (my own, and my parents) and the third is a house I let out. I want to buy another house…
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Keep properties or reinvest in new one
My partner and I both own a property each and we live in one of them. The other has been changed to a buy to let mortgage for the past couple of years. We want to move somewhere bigger and are undecided as to what to do for the best, do we sell one or both properties and put the capital into the new one reducing the new…
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Time for a change - how long is to long
Hi All, Please forgive my ramble that follows. I have posted before about my Flat but want opinions again. We have been on the market for over 7 weeks. According to the last update from the estate agent, we havent had a home report request by anyone. We havent had a single viewer. I haven't had my weekly update from EA in…
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Exchange to completion gap
Hello, So I exchange contracts on Friday next week but the completion date is not until end of June. I am little bit nervous about this as I have to pay the 10% deposit on exchange and just hope nothing effects my approved mortgage deal in the mean time. Can anyone offer any dos and donts such as using an existing credit…
