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Applying for new mortgage, current flat unsold, switch to buy-to-let?
Hi all, My wife and I have had an offer accepted on a house and plan to apply for an 80% mortgage, probably 5 year fix, and will try HSBC as their 1.99% rate seems unbeatable at the moment. We have been living apart as working in different cities (Aberdeen and Glasgow), but now both have jobs in the same place, hence…
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Shropshire Homes cheat me out of my land
Hi guys, I need help I'm in complete turmoil... I'm brief I bought my property off plan direct from Shropshire Homes sales office back in April 2013, I was sold my property clearly stating including 'private garden' on all plans and sales literature, now upon trying to sell my property, it has emerged the land was not…
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Leasing your house/flat
The other weekend i was staying in Glasgow. The serviced apartment cost £250 for two nights. I was wondering if the Landlord gets £250 for two nights on a weekend they would only need to be booked for 6-8 days of the month to receive a good income. I know there would be fees for listing your property on the likes of…
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giving our house to the kids
My hubby and I are in our early 70's.own our house mortgage free 100% equity value £90 -95000 our problem is we would like to move closer to our children in Hertfordshire we are both in poor health and to have our children and grandchildren there for support and just nearness would be great for us and they do want us…
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Garden design for planning app.
Hello, I live in an area with no permitted development, everything has to go through CM Trust, my leaseholder (HA) and council. CM Trust said yes during a meeting, HA too. My house is end of terrace, I want a side gate, a path 3 feet wide to the side of the house, pebbles in front yard, a pergola over my patio, a shed 5x3m…
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Evicting Family from your property
Hello, I hope someone can point me in the right direction. We own a property that we have family living in. As it is family they don't have a tenancy agreement, not do they pay rent; only the utility bills etc. We now have to sell the property and will need to evict then. What would be the correct way to go about this?…
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Freehold - Leasehold selling issue
Any one help House converted into 2 flats So 50% each freeholder (2 separate owners) Question , owner of one flat wants to sell , can it be sold if in a legal dispute , with other 50% freeholder? Thanks for any help on this
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Found an ideal house, but not sold ours!
Hi all, Just after a bit of advice on our first time in a property chain :/ We're after more space, and feel it's an important time for us to move from our current, smaller home. Not the query here, but some background: As a separate consideration, it's worth noting that we have some debts to resolve, and in order to help…
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FTB help for conveyancing
Do we go with Persimmons recommended solicitor as they offer £500 off fees, or find a local or national one ? FTB and really need help. Thank you in advance x
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High Rate stamp duty?
Many thanks in advance for reading this. My situation is: I have 2 properties (say property A and property B) . I had property B since Sep 2015 and have lived in property B since then. All my credit related documents ie bank statement, council tax, utility bill account holder, voting and even driving license is registered…
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Sold prices Isle of Man not on Zoopla
HI, As the title states - why are the sold prices and house history not available on Zoopla or similar for the Isle of Man? Perhaps a Manx browser on this site could help. I am keeping an eye on the Isle of Man market and 'hope' to retire there in the next 3 - 5 years. Some property has been on the market for over 5 years,…
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Should I be worried
I signed a tenancy on Saturday to a really lovely maisonette exactly where I want to live at the right price (average for the area). After signing the tenancy agreement I was handed over the keys including an electric key and have discussed a gas card in the property i know where the electric meter is but not the gas meter…
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Taken For a Mug
A year ago I had to give up my job and move to look after my dad following his 3rd cancer op, around the same time someone I knew was looking for somewhere to rent following a string of bad luck with renting. She wasn't sure a flat was right for her as she needed somewhere quiet to live due to her illness, so we agreed she…
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Should I sell or rent..?
Hi there, I have two properties, both are flats in a sandstone terrace, built in 1880. My family and I live in the three bedroom - valued at £100k - we owe £55k on it. The other property is a one bed flat - valued at £60k - with a rental of £400 p.c.m - we owe £20k on it. We would like to buy a three bed detatched with a…
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How could it work...?
Hope it's OK to seek advice of those who may be slightly more experienced...! I'll try and keep it short but it's a bit complicated. Basically my partner and I privately rent our property. He has approximately £24,000 in Premium Bonds, from inheritance. We are unable to buy a house at the moment due to both of our credit…
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Renting with satisfied CCJ
My wife and I are looking to move to Norfolk but are struggling to find somewhere as I have a CCJ and my wife's income alone isn't enough to afford somewhere. If I pay off the CCJ and get it shown as satisfied will my income then count towards affordability?
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Rent Overpayment - Former Landlord Owes Money
Long story short I was lead to believe I was stuck in a fixed term tenancy, therefore had to continue paying rent I couldn't afford, landlady kept trying to charge me for ridiculous things, so I sought advice with Citizens Advice where they informed me that my notice should have been accepted as due to the nature of the…
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How much saved to think about shared ownership
Hi all I know there's a lot of people that really hate the idea of shared ownership out there but we think it may be right for us. We have savings but have never brought a property before or a share so are trying to find out what sort of savings do people advise for you to have to cover it all? I.e deposit (looking at…
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Joint Tenancy or Tenancy in Common?
Hi Just trying to figure out if a house for a family member is owned as the first or latter. There is a restriction under Section B but it seems to be regarding the mortgage provider. It states: 'Except under an order of the registrar no disposition by the proprietor of the land is to be registered without the consent of…
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Too good to be true?
Hello, We put our house on the market about a month ago and have had a mediocre amount of success when it comes to viewings. Long story short we had a last minute viewing come in, and the estate agents weren't available to show them around, so we agreed to show them around ourselves. Come time for the viewing, I took the…
