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Floor area - Home Report
I've noticed that Home Reports and floorplans usually give different measurements of the floorspace of a property. The floorplan usually has a caveat about "for illustration only". Are there any rules around how accurate a Home Report measurement has to be?
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self employed mortage worries
hi all, wondered if you can offer any advice, have recently applied for Mortage with Coventry BS, I have one myself already and looking to port the mortgage to new house and make it joint one with my partner. We are both self employed, she is a sole trader and I am sole director of limited company. We are hoping for…
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Just about to exchange, Home Insurace lock quirie
Literally about to exchange contracts :) (great) but I have a question about home insurance, we have a garage, and the insurance companies requirements are as follows "but the garage needs to be secured by a five lever deadlock and bolts. Either that or a padbar with a stout closed shackle padlock or a sturdy hasp and…
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How much and what type of info am I entitled to before buying a house?
Hi. Bit of a long winded one, this, but here goes: So I have had my offer accepted on a flat. I'm a cash buyer (with no chain) and have provided proof of finances to the agent/seller. So that's all fine. Nothing else has happened yet. I haven't instructed a solicitor or booked a survey. No money has left my hands and I…
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When to give notice
Hi all! Mortgage has been granted as of today so now we have the task of waiting for the solicitor to compete searches etc. We currently rent, the contract states we need to give one months notice. As FTB we have no idea how long searches take or how long after that we can complete. Because of this I am unsure when to give…
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Subsequent refund by Mortgage company - interest
Good afternoon, We completed on a house move in October 2016. My Solicitors have just contacted me to say that upon checking their file to close it, they "noted they have received a refund for an early payment charge in respect of our mortgage...to the sum of £1071.54" Great - i'm happy with that but i'm not happy that it…
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Lingering purchase, what to do?!
Hi All, I had an offer accepted in central Bristol back in March. I was promised that the vendors were moving into rented accommodation; effectively meaning there would be no chain and promise of a painless transaction (myself being a first time buyer with 20% deposit). My offer reflected that as that was my main…
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Snagging issues and showering facilities
Hi, just after a bit of advice if anyone can help. We moved into a new-build house last year and are having a number of ongoing issues, along with great difficulty in getting the housebuilder to resolve them. We may finally be getting somewhere (otherwise I'm off to court), but their proposal for one of the issues concerns…
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Sodding Housing Association / Shared Ownership
We bought 50% of our SO house 10 years ago, and want to do an extension. As per the terms of our Lease, we duly sought the HA permission. After waiting and waiting, I started to chase them. And they came back and said no, because the Lease said "Not to make any alterations or additions to the exterior of the Premises ..."…
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Qualified acceptance
Hi, I'm looking for advice with regards to my recent house sale. The purchaser is a first time buyer and we have been lead to believe that a mortgage is in place, this being one of the main reasons to accept the offer, as we had a few offers. An offer was accepted and our lawyer sent out a qualified acceptance to us and…
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Help to buy ATP query
Hi My husband and I are looking to buy a new build property using the help to buy scheme. We have paid the reservation fee and have been told that our broker will be completing the property information form and getting the authority to proceed, and it's my understanding that we need this BEFORE applying for the mortgage.…
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House moving nightmare... Now trying to agree completion date!
Hi this is my first thread on here but I always get my advice from here so thought I would join! Quick background story: We are ftb, viewed the house in March and put our offer in, seller and I are both chain free and he said he's ready to move into his family's house asap. Great news! We are ready to move too, so…
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Landlord asking for cash deposit
Just after some advice, am due to move into flat soon, it is a private landlord who has asked for the deposit in cash. We will get the keys at the same time. Have rented property before so know I need receipt for this and tenancy agreement just never been asked to hand it over in cash before? Always dealt with agencies.…
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Last months rent
Hi guys. Quick question that I couldn't find the answer for on the forum. I am renting and looking to move out. I have a month on month rolling contract and when I moved in on the 25th May 2012 I paid £360 rent and my deposit. My question is if I give my notice on say 24th of July and pay my rent on that day can I stay…
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Buyer only has 2% deposit
I am in the middle of a chain. I agreed to sell my flat back in April and expected to exchange this month. The buyer's deposit should have been £30k but the EA told me he only has £16k. I told my solicitor who had not been informed of the low deposit by the buyer's solicitor. My solicitor later forwarded an email from the…
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Help understanding drainage search map
Hello all, our drainage search has revealed that there are public sewers in the backgarden of the house we're in the process of buying (marked with a green star on the plan below). According to the 'legend' accompanying the plan, the red lines represent sewers maintained by Thames Water and the blue lines are 'Not operated…
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Inheriting a property
Is it strictly necessary for my husband's late father's house to be transferred into his name, and then on to the purchaser of the property? When my mother died a few years ago this didn't have to happen, the professional executors just transferred it into the names of the purchasers. It seems to be me to be double…
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Developer insisting I should change solicitor
I have a legal question regarding contracts, developers and reneged deals. A few months ago I put down a reservation fee (£500) for an off-plot 2 bed-house with a small housebuilder with a track record of good projects. They suggested a solicitor and the process kicked off! A few weeks later I discovered that the company…
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New Build Completion
Buying a new build and the builder keeps moving the completion date, yesterday my solicitor told me I'd exchange last week of July, today they've moved it to end of August. Which has annoyed the hell out of me, is there anything I can do to convince them for July, if not can I play games with them and delay the completion…
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Cash statement from solicitor
My solicitor informed me that she's sent out a cash statement today, this is with regards to a house purchase. What exactly is a cash statement? I've not exchanged yet, just waiting on one last query. By the time I'd read the email it was too late to get a response from my solicitor.
