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Name on Deeds
We have offered to help our daughter and partner out in purchasing their first home. It has now come to light that our daughter is not going on the mortgage has she is self employed for less then 12 months and they can get a bigger mortgage if it is in her partners name only (they are not married). They are telling us that…
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Delaying completion?
So I'm currently in the process of selling my property. Solicitors are doing their thing. I'm not in a chain but my buyer has 1 person in their chain so not too complicated. I hadn't expected my house to sell so quickly (within 2 weeks) and my early repayment mortgage fee reduces on 1st October. My buyers have recently…
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How much do bridging loans cost, is there any alternative?
I guess most people who wish to move need to sell their old property first to obtain the necessary funds, or the solicitor completes both transactions as part of a chain. However, for those who have the money up front it must be a much easier and quicker process. For those who don't have the cash, bridging loans can be…
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Selling ex-council flat no building regulations
I'm trying to sell my ex-council flat and the council have recently (2015) put in a new roof and windows, at much expense.... However my buyer's solicitors have come back saying that there are no building regulations for it. Where do I go from here now?
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Seller's Information Form Query
Son is in the process of buying his first home & was told on viewing it that the owner had moved into a nursing home. He's received the Seller's Information Form and we think that the children have been listed as the sellers rather than the actual owner, having downloaded a copy of the deeds. Should his solicitor be asking…
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Landlords questionaire
Prior to accepting me I have been asked by my new landlord to complete a security questionnaire that asks ' Do you have any savings, if so how much? ' ,They have now requested that I send send them documents to prove the figure. This is in addition to the request for copies of Current bank statements, Proof of earnings,…
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Agreement for me to live in my grandad's house rent free
Hi all - long time reader, first time poster. I have a slightly unusual situation in which some advice from yourselves would be useful. I apologise for the length of the post but I wanted to include as much detail as possible. I am 30 and currently living with my parents. My parents have decided they want to sell their…
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How much faith can I have in my Halifax DIP?
Hi. We are looking to move to a larger house and have recently received a decision in principle from Halifax using their on-line soft-search tool. My main current account is with Halifax. I have debts totaling close to £30k wich is mainly CC debt plus an overdraft that is heavily used although briefly cleared each month.…
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Pls help me on this home purchase
I bought an apartment from Savills in Oxford. According to the sale brochure, the apartment will be completed in Q4, 2017 and there is a 12-year warranty with the property. The developer is Land Securities. After reservation, Savills asked me to provide proof that I have 500K GBP in the bank (which was not mentioned before…
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Best websites/ways to search private houses for rent?
Hi guys! I am just wondering what is the best way in UK to rent house from private landlord? I know websites like: Houseshop.com find a flat https://www.upad.co.uk/ findaflat.com http://www.rentright.co.uk/ gumtree open rent What are other good ways to find and rent a house from private landlord? Not only Internet ways buy…
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Location help for renting. London.
Hello, I need some help with locations for renting in a family friendly area. My OH wants a direct train to Charing Cross within 60mins with no changes. We have a budget of £1500pm and can go up to 4k for his yearly train pass. We want a 2-3 bed house. So far we've found Sevenoaks & Tonbridge that we like. Tunbridge Wells…
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Location help for renting.
Hello, I need some help with locations for renting in a family friendly area. My OH wants a direct train to Charing Cross within 60mins with no changes. We have a budget of £1500pm and can go up to 4k for his yearly train pass. We want a 2-3 bed house. So far we've found Sevenoaks & Tonbridge that we like. Tunbridge Wells…
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Stupid needs MSE's help re: Offer accepted.
Hi, I am guilty of being stupid. I just put in the highest offer for a house having not looked at the home report etc (there is a story) and discovered that it is worth 12k less than I offered and there is quite a lot of cat 2 work that needs doing to it. I'm (now) aware of the buyer aware law stuff. I'm thinking we should…
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Flat next door using picture of my house on rightmove!
One of the flats next to my house is being advertised to let on rightmove. For some reason they've used an external shot my house instead of the flats. It's the last picture rather than the first. Would you be bothered? I can't work out if I am or not!
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lodger in my Annexe
Hello there I'm afraid I need to ask advice again. I have a lodger in my Annexe. I checked with my District Council if that was kay and they said yes. I recently had a Tribunal over the VOA adding a separate Tax band to the Annexe and upping our main property Tax. (I won on the main property but the Annexe ended up…
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Deposit from sale
Hi all, long time lurker here! We have never sold before and are just about to exchange on our sale, but our new build will not be ready until at least the end of August. So as not to hold up the sale of our property we are moving in with parents for a month or so until ours is ready, but (and apologies if this is a stupid…
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Deposit drama!!
Hi, Basically, I have just moved out of a student property and they are now trying to screw us over with the deposit. We paid a £1800 deposit between us all and they want to take £1653 of it away. Many of the complaints made by them are completely unreasonable. How do I go about disputing this matter? On an additional note…
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Exchange and completion same day?
So... we are the second link in a chain of four. We agreed an offer on our house in March and the chain was complete, as it were, in about May, when the people we are buying from found a house they wanted. the people they are buying from are moving to a new-build, ending the chain. Our buyers took forever to get a mortgage…
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Renting out home - insurance
Hi all, I am going to move in with my partner and am thinking of renting my house out privately. I've had a quick look at insurance and it's a bit overwhelming. I would be able to get permission from my mortgage lender to rent it out and I wanted insurance that would cover for damage and any loss in rent if the tenants…
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Selling unmortgeagable property to developer
Hello to all you property experts ! as title says, a small bungalow of non-standard construction, on a small plot about one tenth of an acre, developer has made me an acceptable written offer, he plans to re-develop and get two properties onto this plot; He has seen the deeds, no problems there, it seems, I inherited the…
