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First time buyer question.
-Deleted post- Thank you all for your advice, I think we will just cut our losses and hope something else comes along.
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Who Pays For Bills Before Completion?
I finally completed on friday! Congratulations to me on the longest most stressful journey of my life lol but I turned up and theres a bunch of letters that I opened saying The New Occupant owes bills between March - April ? I wasn't even there between those times I completed Friday 12th May so am I liable to pay for bills…
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Seller Delayed Exchange at Last Minute
Finally found ourselves in a position to buy our first house early this year, having 2 kids made selection of house really difficult as most three bedrooms have a tiny box room as the 3rd bedroom. but, We found one, just near where we are so no school change for the eldest etc. Offer made late Feb, mortgage application to…
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Proof of funds
I'm an expat, cash buyer and in the process of buying a house in the UK. The solicitor has asked for proof of funds which I have provided with pdf statements from 3 bank accounts, one held in GB sterling and two held in Euros. All three are internet banks and don't provide paper statements. The grief I'm getting is, the…
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Renting - Live/Work Lease
Hi I am looking at renting a property to live and work from. It comes with a live/work lease. Could anyone explain the below to me please...particularly the text in bold... 'To use the Premises wholly for partly work and partly residential purposes PROVIDED THAT no warranty is given nor shall it be implied that the use…
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How to spot non-standard construction?
I went to view this today: http://www.rightmove.co.uk/property-for-sale/property-48385329.html I suspect it's of non-standard construction, and therefore hard to get a mortgage on. But how to tell? It's clearly not made of brick. Under the render I think I can see the outlines of large blocks. So what is that material?…
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indemnity insurers
Our buyers are asking us to provide indemnity insurance for windows without a FENSA certificate. Can anyone recommend insurers who provide this cover please.
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Help with buying house with unadopted land
Hi kind of new here and after some advise regarding a property we are buying. We are looking to purchase an end terraced house and have discovered that the land at the side is not on the deeds and in fact the current owner has moved the fence to include this unadopted land at the side of the house around 15 years ago,…
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Purplebricks - update notifications
So I've offered on a property through PB. After I offered I got an email saying there had been an update to the property in that an offer had been made (mine, I presume). My question is do you know if you get an email every time someone else offers on the property as potential buyer? I've googled and can't seem to find an…
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First Time Buyer - How to Value a Property?
Hi everyone, I'm looking for some guidance as to how to value a property in order to make an offer. The methods I'm using seem to result in a big difference (sometimes up to 20-30%) between the value I see and the asking price. Am I being too precise or are the sellers this deluded in what they're looking for?! The estate…
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Parking dilemma advice please
Hi, I purchased a house in 2016, which was sold with a gate that has access to the rear courtyard of the property and an additional communal paved area that was available for parking at least 2 more additional cars. The survey did not pick this up as an issue. The previous owners have been using all parking for 12 years…
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How's to find out mortgability of a property?
I am going to look at a flat which is above a shop however someone has mentioned this may cause issues with getting a mortgage. How do I find out if this will be a problem for any future buyer if I wish to sell it on if I am not planning to get a mortgage for the flat?
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Estate Agents
Hi I'm a some advise on estate agents. Are estate agents simply and solely there to take photos of the house and put it on right move etc... Or is there an expectation that they understand what conforms to building regs and advise what documentation will be required at the point of sale to allow the seller to be in the…
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Fire wall in loft
Hello all, wondering if anyone has recent experience of putting a fire wall in a loft of a mid-terrace house. Has shown up as problem on survey. Agent reckons would cost £500 to have one put in, a relative thinks would be more expensive. Also wondering if it has to be signed off by anyone, has it to be put in by a…
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Mining Interpretive Report
Hi guys We have just received a letter from our solicitor explaining that due to the results of the mining report, the lender wants a mining interpretive report carried out. The previous report showed a shaft in the house behinds garden but because it states within 20metres of the property we are buying. Is this something…
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Tenancy Assignment Rules
Hi, Can anyone help me with some advice needed please? I have recently moved to my mums (temporarily, hopefully) because me and the wife are going through a rough patch. We have a joint tenancy agreement on a periodic tenancy agreement. However, the landlord has created a new tenancy agreement, which my wife has signed,…
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Neighbours fence on my land
Hi Everyone, Yesterday my neighbours try to fix the fence. The contractor came and they take out old fence and start installing new fence from the rear of the garden. Now I have metal rod installed in my boundary touching to his fence which clearly advice by my wife to contractors before they start installing fences. Now…
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Waiting to exchange contracts!!
A chain of buyers, my buyer is my neighbour so it's quite simple as he knows my property. He's had his buyer perform a survey on his flat which raised no issues. We've been through the seller packs. As far as I'm aware my buyers buyer is a first time buyer with his mortgage in place... my leasehold pack has been presented…
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indemnity insurance help
Hello All, I am in the process of taking my ex husbands name off the mortgage and getting a mortgage alone from nationwide, it has been a pain so far, now I have just received a letter saying I need indemnity insurance because theres is a defect in the title??? I am totally lost here, the solicitors have sent this TCS and…
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What questions should we ask about the lease
Hi We have had an offer accepted on a flat and had mortgage approved. I'm starting to write down questions regarding the lease, we haven't seen it yet but will be asking our solicitor on Monday for a copy. There are 27 flats and Each flat owns part of it (ltd company). We know that the lease is 999 from 1981, and service…
