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Overseas father-in-law gifting money for a house
Hi all, I've done a lot of searching for the answer to this, but have drawn blanks so far. My father-in-law wants to help my wife and I get onto the property ladder by gifting us a significant amount of money towards buying us a house. We're very fortunate that he is being so generous, and it came as a surprise to both of…
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New Build
Hi We were interested in purchasing a new build home. At a 2nd viewing we notices dampness in the bathroom and I a cupboard which has made us worried. Would you purchase a new build that had dampness in it?
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How do you decide which house?
I've narrowed my choice down to 3 houses, all similar price however they all have different selling points, 1 completely modernised, 1 more practical for the rooms and one which is a total 'heart' choice. Would you offer on all 3 ? See which one comes cheapest ? Our priority isn't specific enough to say location wins or…
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Reroofing flat roof of block of flats
Hi there, I am seeking some advice from the mse community regarding the block of the flats I live in. The residents are all freeholder/leaseholders of the block and such it is our own responsibility to remedy things like our roof if they need repairing or replacing. When I bought my flat circa 2.5 years ago, my surveyor…
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Problems with Charges on house and Trustees of the ABC Discretionary Will
Hi all Please can you help me in following matter. I am first time buyer and worried about the following problem with my house purchase. The official registry title mentioned following items : " B. Title absolute : 1. (07.08.2007) PROPRIETOR: Mr XXX of Property ABC Road. 2. (10.12.2008) RESTRICTION: No disposition of the…
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Getting a builder to quote before we've bought the house
Wondering if anyone can help? We've had the survey and theres a few roof/chimney issues that I'd like a proper quote on before proceeding but the roofer I contacted initially said he'd charge for this as we didn't actually own the house and he probably wouldn't end up doing the work?!? Is this common? Should we be…
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Problems with a leasehold
Is there anybody that has a Miller Homes new build, where the lease got sold on before you had chance to purchase it ( before you had been in the house 2 Years). ? Did you feel that things regarding the lease were not explained before you purchased and wouldn't have purchased it if you had known this beforehand ? ( Miller…
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Tenants moving out
Hi all I am looking for a little guidance My tenants are moving out in the next couple of weeks and there monthly notice falls during the month and not the 'rent due date' I am looking for the fairest way to work out what there late rent payment should be? They have been very good tenants while they have been with me and…
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Capital Gains Tax
I'm soon to be moving out of a property that I bought in 1991 for £60k, now valued at around £200k I am considering renting it out. I understand that if I sell it when I move out I will not be liable for CGT, as it is/was my main residence, but will be liable in the future (after 18 months) I believe. When I eventually…
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Broadband misrepresentation
Hi, I'm about to complete and move into my new build flat on Tuesday, however when I went to the home demo on Saturday I was dealt some information that only the IFN can supply the property broadband (Independent fibre network). Since January when I reserved the property, until now I was told BT (and hence everyone who…
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Subsidence vs. insurance query
Hi folks, I'm looking at buying a property which is an area where there has been fair amount of underpinning due I understand to heave from local trees. I'm probably going to pay for my own structural survey outside of the mortgage as I don't need a full survey - but I do want a targeted structural report on the property.…
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Surprise visits from landlord and his dad
I live in a shared rented flat and recently the landlord and his dad have been making a lot of surprise visits and letting themselves in without giving any advance warning. There are issues with the flat that do need sorted (mice, broken internet connection) however the visits are not always connected with these. There…
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Subsidence Issue Solved.....Apparently.
Why has the thread about the FTB being refused a mortgage due to potential subsidence been taken down? Did the newbie complain because the answers received weren't what they wanted to hear? This thread had far more relevance to readers than the ridiculous and offensive one about not being able to ride out of Manchester in…
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advice needed
Hi all, I am new here but would appreciate if anyone can give me some advice. We are moving to another city due to taking up a new job, so we have put our current house on the market. We have only very little left (10% of the asking price of our house) in the martgage but have not cash reserve as I always prioritise…
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Where would you start?
I'm a FTB looking for a property in a pretty specific area. There are two streets in that area which offer the kind of property I want and there's one house on the market. It's a 2-bed Victorian terrace which ticks almost all the boxes but needs a fair amount of work doing. It's been a student let for quite a while, so…
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Shared ownership question?
Hi there, I got a shared ownership flat back in December on my own. My partner moved in back in Feb which was only to be temporary whilst he found new accomadation however it's been going so great we decided to make it permanent. I was just wondering what will the housing association say about this? I called to let them…
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Holiday let investment?
Does anybody have a holiday yet investment? I am considering looking for one. We live in a good touristy area and most local ones seem to book well. How do you find it? Is it worth it for the time and money you put in to it? Are there competitive mortgages out there? I know we're looking at a 70% LTV ish and a specific…
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Can I rent out my property?
Hello all, Firstly, apologies if this is not appropriate for this forum, or has been discussed elsewhere... do let me know if I need to take this post down. In a nutshell... I co-own a flat with my husband, whom I am separating from. It is likely I will be able to take over the mortgage myself. Now I would like the option…
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Transfer House to Girlfriend
Hi all, I am currently in the process of transferring a house i own to girlfriend. I understand the process is to fill in the TR1, ID1 and AP1 forms. My question is once they filled in and sent: - How long does the process take? - The house is currently occupied by tennants who are renting the property. What overall…
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Survey needed on 25 year old house
Apologies if this is a stupid question but I'm completely new to everything that's involved with buying a house. I'm guessing the answer is yes and to be honest I think having a survey done would be a good idea but I'd like to know if it is necessary. Also, I know there a few different types of surveys, each with their own…
