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Ground Rent- Buying a flat and it isn't mentioned in any of the paperwork.
Hiya, It's my first time using MSE and my first time buying a property so forgive me if I am not doing this correctly! I am in the process of buying a flat and the solicitor I am using has said she is unable to set out the ground rent in the paperwork. I understand that the ground rent can increase but my solicitor says…
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Building regs For conservatory
Hi All, advice needed, please: 2 year old house that I'm looking to buy has a "sun room"(conservatory) newly built on the back of said house. The size is 2.9m out from the rear of house and is 3.3m wide. I believe that this would fall within permitted development but what about building regs? The building seems to have…
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House insurance renewal, but moving.
Hi, My house insurance expires on 12th May, but I have bought a new house and exchange should be soon. If I take renew my current policy and cancel after 14 days, I get no money back! Obviously I dont want to be out of cover, but equally I want my money back for any unused time. Any ideas?
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I am fed up now
Afternoon peeps, We accepted an offer on our house mid Jan, found a house for ourselves mid Feb, our buyer in no chain and the people we are buying from moving to rented. Everything seemed to go along really quickly, but now aaaagh I have had enough, our buyer is saying he wants a builder to look at something to do with…
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RICS survey recommended damp & timber report but mortgage still been approved
Got the full building survey done and it's recommended a damp and timber report as it threw up a few issues. However the valuation was ok and the mortgage has been approved at the price we're paying. So is it actually worth getting this damp and timber report done? As will we be able to negotiate the purchase price down if…
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Transfering house to child
Apologies if this is in the wrong forum, but I've searched the whole site and can't find anything. Can someone please point me in the direction of a thread regarding transferring a property to a child. I live with my parents who are now elderly and they wish to transfer the house into my name. I feel sure Martin must have…
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Check heating / electrical systems?
Is it standard practice to have the heating / electrical systems checked before buying a property? We have had our survey but obviously they don't look at these indepth. Who would we even hire to check them? Just ask someone to go in and check them over, or should we be looking for some form of certificate? Sorry if I seem…
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Offers In Excess Of
Where do you even start with this? There's a property we're viewing tonight that hasn't started being advertised yet but is going up for OIEO £140k. So if I wanted this house, how the hell do I know what to offer? £141k? £1million? I just feel like, if I found a property I liked on day 1 it went on the market and was happy…
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Rented Address Not Registered By Developer
Hello, I hope I can get some advice here on my situation. I am currently renting a flat (utility bills included) which is in a building but my flat is not registered with Royal Mail. I've contacted RM and they have told me they have not yet received any information from the local council. So, I've contacted the LC and they…
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Mortgage against unencombered property
Hi all, hoping you can answer a quick question. I own a property with no mortgage worth approximately £800k. For various reasons, it is no longer viable for me to live in this property and I would like to rent it out. Can I borrow against the property to buy another property for me to live in? If so, how much would a bank…
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Transfer of property after separation
My friend bought a house with her husband. They bought it without a mortgage based on her funds They have now separated. He is more than willing to transfer the property directly to her Is it any more complicate than completing the transfer document? She has been to see a solicitor and they are saying they will deal with…
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Renewing rental contract without an agent
Hi, I am the landlord of a flat and we found our tenants through an estate agent. Up until this point they have been completely useless and both myself and the tenants have had no end of difficulties with them, so we have agreed that it would make sense to continue without the agent. The agent have agreed to let us do…
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Stamp Duty Land Tax
Hello all, I can't seem to get a straight answer to this question and wondered if anyone can help please? I understand that Stamp Duty Land Tax is not payable if property is being transferred in a divorce. If my husband is buying me out of our house, as part of a divorce, but is jointly buying me out with a friend, is…
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Lying about 'no onward chain'?
I put an offer in on a property that was advertised as having no onward chain. Offer accepted, started proceedings. Next thing I know the lender phones me to say that they have stopped the valuation because the vendor cancelled it because they are having trouble proceeding with the purchase of an onward property and…
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Letting agent charges
Hiya, Just phoned up an EA about a house to rent. We have 3 boys, 2 of them are 18 & 21 & both are full time students. They want to credit check them & charge us an extra £100:eek: even though they will not be on the tenancy. Can they do this??
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Does anyone know what this clause on a Lease means
The right to free and uninterrupted passage of water, soil, gas and electricity from and to the Basement flat through sewers, drains and watercourse pipes and wires which are now or may at anytime within 21 years from the date herof b in under or passing through the property or any part thereof. I don't understand what the…
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Conveyancing
Hi Can anyone recommend an 'online' conveyancing service? a few we have had quotes from get pretty bleak reviews with complaints of poor communication. Has anyone ever used a good online conveyance or would the recommendation always be to use a local one? Thanks Danny
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Purchase of Property - Searches Question (Electrical/Gas Installation)
Hi, I have just had the searches come back on a property I intend on buying. Nothing looks bad apart from a couple of areas that Im not sure are of concern. The searches come back saying that no relevant Electrical, gas and glazing works have been carried out since the beginning of notifiable periods. However since the…
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homebuyers survey - valuation #20k less than offer price
HI all Again asking for advice/thoughts. We have just received the homebuyers survey report - it has highlighted several problems, such as the missing guttering to the side, the entire guttering in bad repair and in need of replacing,damp course covered by rendering, though no damp issues seen, extension not finished…
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Removing a section 106 from a building plot?
Has anyone got any advice on getting a section 106 removed on a building plot? When we originally applied for the planning permission on our land we where told this is all they could offer us - 100 sqm 3 bedroom home which we could build but would be restricted in size and worth 60% of the market value. It was fine back…
