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Confused what to do?
Hello I've been quietly watching this site but having to bite the bullet and put big girls pants on to write this ..... I'm wanting to rent my house out to move in with partner in a different city but my parents who are my guarantors on my mortgage are refusing to let me rent it out even though there's a high demands from…
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Flat viewed, now not sure which one to go with
Went to see our first 4 flats over the weekend. 2 are no and 2 are yes. 1st flat details 275k 1st floor 2 double fitted kitchen House needs refurnishing, paint, carpet, new bathroom Sits on the main road 98 yrs on lease Good transport links 2nd flat 280k ground floor 2 double House in modern condition fitted kitchen and…
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Major delays - advice sought!
My wife and I are attempting to buy our first property and have faced delay after delay. I will try to be brief by bullet pointing the main points/problems. 1. 15th September 2016: Mortgage offer in principle arranged/agreed. 2. October/November 2016: Offer accepted on a house on 28th October 2016. Tenants in situ until…
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Management Company
Hi There are three leaseholders who are directors of the Residents Property Management company of the apartment block I am a resident of. The three directors have control over the management company funds (which come form service charges). They dictate the spending for repairs alike and their is no resident committee. Is…
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Is it worth doing work to a house you plan to sell?
My husband is retiring next year and we are going to move. If we were staying in this house (a 3 bedroom semi) it would definitely be time for a new kitchen, new carpet, decorating throughout, etc. It's clean and light & airy, with a large garden, and not old fashioned, but looking a bit tired these days and in need of…
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Management Company Not Providing Fire Risk Assessment
Hello everyone, I'm in the process of buying a flat in a 2009 build tower. My solicitor has requested the fire risk assessment, which I understand is a normal procedure. However, the management company are refusing to provide it, saying it is confidential. Are the management company obligated to provide the fire risk…
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Shared ownership advice
Hi everyone, I was wondering if anyone could give me any advice. I'm applying for 2 bedroom shared ownership property that has a 40% share for 160000. I have a fairly large deposit and I've spoken to my bank who said I'd be able to take out a mortgage for around 150000. On paper I want the property to be in my sole name…
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Own A Flat But A Years Contract Away options?
Hello all, I own my own small flat ie no mortgage etc. I have a year's contract in another part of the UK. If I don't rent my place out, I have to pay council tax and empty insurance. So in a way you are forced to try to rent it out. To rent it out, means PAT testing, etc etc and worrying if the tenants will trash the…
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Delays with solicitors on flat sale
7 weeks ago I accepted an offer, but still nothing has progressed. My solicitors are saying they have issued the draft contract four times, the buyer's solicitors are saying it has never been received. Every time I speak to the estate agent or solicitors they say they will issue again , but nothing ..I have even asked them…
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Help! I need temporary utilities for a property I bought to sell on
Hello All. I've recently bought a property to develop and sell on and am looking to get utilities (Gas, Water and Electricity) turned on plus register for council tax. Previous Company was nPower (they have left Meter Change rectification cards at the property), but it's seemingly not an option to simply go onto their…
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Buying house without loft building regs
Hi, I have a question about a house we have put an offer on and are very near to exchange date. The property is an end terraced. It was advertised as 2 bedroom with a dressing room/office. The Estate agents clearly stated the loft room was a large double sized bed room.Before the loft conversion the property was a two…
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Never given an inventory, where do we stand
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Landlord selling flat I rent
Hi I am looking for some advice as i am getting conflicted information from my landlord and the estate agents. I have rented this property since July 2012 on a AST. The landlord has decided to sell but has stated i can stay here until its sold and that if i do he will give me 2 months rent when property is sold, that was…
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Media Is Now Predicting A Massive 40% Property Price Crash
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Deposit issue - Stain on linoleum floor
Hi everybody! I hope you can help me. I recently vacated an apartment after two years and I have been very happy about it. I hired a professional cleaning service to make sure the flat was returned in the best condition possible. However, due to using an incorrect bathmat, there was a stain on the linoleum floor in the…
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Money owed from tradesman
Morning, I need some advice. Not sure if I have posted this question in the correct area. Anyway, around end of May I hired a tradesman to fix a problem with a leaking bathroom. This job was at a property I rent out to a company. In fact, the company recommended him based on some other work they say he did for them. The…
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HTB ISA/Deposit - How is this going to work?
My situation: I am buying a house for £93,000 with a 95% mortgage. - I currently have a HTB ISA with £3,840. With the 25% bonus, this will go up to £4,800 (easily covering the 5% mortgage deposit of £4,650). - I have another savings account with £4,400 in. This is meant to cover fees and a new kitchen when I move in plus…
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FTB: Questionson mortgage /lenders
Hi there! Myself and my partner are looking to acquire a mortgage. We are first time buyers, both have permanent positions with good prospects and have £30,000 for deposit (not including legal fees, stamp duty etc). Yearly earnings are 35811 and 27500 and also have a hire car through my partners work which is £440 a…
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Fixed term tenancy
Does a fixed term tenancy automatically become periodic after its fixed term? I am completing on a property I have purchased early August, but my fixed term tenancy ends on 23rd July. I want to keep my rented property until September so I can do some renovation work to the house I have purchased before moving in. I have…
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Leasehold Property Building Insurance
Hi all, I bought a flat 6 years ago that is a leasehold property and have to pay a lease fee and management charges which includes buildings insurance as part of the lease. The flat is only a small 2 bedroom apartment which is actually a flat above a garage (FOG) so isn't part of a building block and has its own entrance…
