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Help to Buy ISA - Technicality
Hi All, My girlfriend and I are in the process of buying a new home. In the first instance her father will be buying the property outright and putting it in our name, he is also paying for building works on the property. We will then take a mortgage out to buy the property off him. Our solicitors have advised that because…
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a share of freeholder refusing to pay towards building maintenance
Hi, I live in a converted house that comprises of four flats, we have 25%share of freehold and a 125 year leasehold. The building has not had any external works, such as repairs and painting done for over 20 years, three of the flats all of which have agreed the building is in desperate need of the repair work, but the one…
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Unadopted roads
I wonder if anyone has any advice on this please? I live on an unadopted privated road. I have read that when you buy a property on an unadopted road, you own the road outside your house. I'm asking because occasionally people park outside my house (not my neighbours), and I wondered if I'd be within my rights to ask them…
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Ending Fixed Rate Mortgage
Hi, Could anyone please advise on the following; 1. I took a fixed rate mortgage from Santander in 2014 @3.19 interest for 5 years. Now my circumstances have changed, I have babies and realize that I am paying far too much compared to the current rates in the market. Also, with the bigger family I want to but another house…
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As a buyer, can I offer a lock-out contract to my seller?
We have a seller who has accepted our offer on their house, but they were very careful to ensure that we had a sale lined-up on our property first of all before committing to taking their property off the market and agreeing our offer. Turns out they had a sale fall through previously, and are being cautious (although I…
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Joint property purchase
Hi all, Looking for some advice on buying a property with a partner. We are contrbuting different amounts to the deposit (a significant difference) and will be contributing variable amounts to the mortgage (a % of the mortgage payments based on each of our income). We are not married, and as such we want to make sure we do…
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Last Straw? Advice Please..
My partner and I are FTB and are currently 24 weeks in since we had our offer accepted on the property. We were pulled into a chain half way through the process so we gave the vendors an extra 12 weeks to complete on their onward purchase (we were ready by this stage). We have had dates fall through a number of times now,…
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Home Buyers Protection
Unfortunately, my first purchase failed, now my offer`s been accepted for the second flat. I don't want to lose any money or let`s say trying to minimise any potential losses. I am trying to search the best home buyer protection Since I am an FTB, I`d ask if anybody here has experienced any of the below policies? because…
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Gazumped
Hi, I wonder if anyone can provide any advice. I had an offer accepted on a property that was due to go to auction on Wednesday. I have paid all of my broker fees, valuation fees etc and had a call on Friday from the agent to confirm how everything was progressing (offer was accepted 10 days previously) When the offer was…
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Estate Agent Fees (forgotten Invoice)
I have recently moved house on the 30th June everything seemed to go through fine however I have just had a call from the estate agent / solicitors to say that they had forgotten to invoice me for the purchase of my house and that I will need to make the payment now. What was meant to happen was that the money from my sale…
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Importance of downstairs toilet?
We’re about to start renovating a 60’s 3 bed semi, it’s pretty standard – downstairs entrance porch, living room diner with stairs off, and small kitchen which we’re going to change in to living room, with kitchen diner, French doors on to garden, and upstairs it has 3 bedrooms and a bathroom. We’re toying with the idea of…
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Problem with neighbours
Hello, I need some advice. I live in an 1st floor apartment in a purpose built block of flats. Some new neighbours moved in upstairs last week and since moving in have been making loud thudding sounds for hours each day. They do not own the property, but are renters. The thudding sounds are particularly bad between 9pm and…
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Is this illegal parking?
Hi we have moved into a house and in our deeds it shows what we own which constitutes of the actual house, front garden, rear and a parking spot that is owned and highlighted in the deeds. The house has been empty for 7 months +, and we have just moved in to find a neighbour is using it, we have had a word with them and…
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Septic tanks?! When might they be a problem?
Hi guys! Got my contracts through today to review and am a little confused. There is no mention of my property having off mains drainage and this hasn't been mentioned to me by the vendor. The contract pack states that the property is connected to the mains. It has no answer to the questions do you have a septic tank,…
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Help with floor choice
Hi all Just decorating a 2 bed flat and would like to go for engineered wood flooring but cant decide between the two, it will be in the living room and hallway. Walls are white just looking for something modern. Would the 3 planks version look "too much"? Any opinions appreciated Thanks…
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Is this a dodgy renting situation ?
Hi all, I've just moved into a house in London. Me and my housemates are a bit suspicious of the situation and just wondered if anyone had any advice as to whether it is actually illegal or just strange? So the flat we live in is owned by a man who lives in London. The flat is actually sublet to us and 'managed' by a…
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Homebuyers report advice needed
Hi looking for some advice in response to a homebuyers report. I'm a first time buyer and me and my partner have recently sale agreed on a house. It was built in 1954 and is a semi detached. It was on the market for offers around £172,500 and eventually got it for £173,500. Due to the age of the property we decided to go…
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Hole in path
Hi, I am in the process of purchasing a terraced house, outside the house I have just noticed a hole in the pavement right outside the property. It seems to have only developed in the last week or so and it is around 5 inches wide. I have found out that the council have been notified and they are going to come out to fill…
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Cavity Wall Ties/Damp
Hi in regards to purchasing a 3 bed semi up north, on the survey a few issues has cropped up and wondering are the costs correct. 1 is the cavity wall ties and damp in the house.Ive been advised the work to be done and quote of £800 Cavity Wall ties - cracking to the front. new front, rear elevations, install new stainless…
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Friends And Family Rent Out Flat?
Hi all, I am away on a contract and own my flat ie no mortgage. My insurance covers me for b and b guests. Can anyone tell me if I can legally rent my place out to friends and family for a few days each time? If I do this does it need to be PAT tested, fireproofed etc if I get them to sign a waiver? I just want to cover my…
