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Buying a car after exchange of contracts
My partner and I are about to buy a house together and wanted to know if buying a new car on finance after the mortgage has been offered and accepted and the contracts exchanged would this bring up any problems before we complete? I've rang a few people to ask but get mixed responses
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Division of land title or splitting deeds??
I've recently been lucky enough to get planning consent for a new 4 bed house in my garden which will have its own access drive and be completely separated from my current property with a fence. In order to get a self build mortgage I will need to have the garden separated from my current house deeds as my current house is…
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Stamp Duty on 2nd property
Hi All 5 Years ago we moved out of our house into a rented house so we could get our children into better school. Our original house i have on a BTL with skipton. The house me and my family live in now is where we would like to stay and our landlord would like to sell to us. We are in process of doing a genuine bargain…
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Leasehold
Hi All first ever post so here goes I bought a second floor flat in 2011 for £85,000 (no mortgage) and pay around £25 per year ground rent But the lease on the land has 58 years remaining so no one can get a mortgage on it as I wish to sell the flat and I've been advised the leases is around £12,000 plus solicitor fees to…
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Ftb jitters?
Hi everyone, we are almost at point of exchange. We are awaiting responses from the vendor regarding a few points. I have chased up with estate agent getting these points answered. The problem is, we are wondering if this is the right house for us? Is it the right location etc? Is this normal?! It is 8 mile from where we…
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Registering with land registry fee confusion
My brother is selling his house to another family member as part of a concessionary house Purchase. The house valuation has come in at 210k. Family member is purchasing at 25k with the rest as gifted equity. Does anyone know what the correct fee would be as to registering title with the land registry? As he has had two…
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Advice Sought
Hello I’m in a situation where myself and my ex own two properties (one we live in joint-tenants and one BTL tenants-in-common) and, at the same time as my ex is buying me out (with me moving into rented accommodation for a year or so) we need to remortgage the BTL, which we are keeping as a business concern (the split is…
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House doesn't have rewire cert etc
Hi, I'm currently in the process of buying a house and have just found out the current vendor doesn't have the rewire cert for the work they got carried out. Due to this being my family home with small child this is something that is a deal breaker for me. Will an EICR sort this out? How much are they on average, am I…
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NO DRINKING in rental property - legal or not?
I have seen flats advertised to let with the restrictions of No Drinking. Is this legal?
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House sold for £212k Sept 2017, now £225k
As above, I am going to view a 3BR semi that is on Rightmove for £225k. Based on other sold prices on the same road this looks to be in the ballpark for the area. When I was looking at the sold prices, I noticed the same property was last sold only September last year for £212k. The photos are different (different…
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Unreasonable Admin Charge for Late Ground Rent
Hi, Live in a flat which is a leasehold and so ground rent is due annually. It was due Jan first and due to confusion around a Direct debit being setup we missed the deadline to pay it. After we had the reminder I went to pay it but noticed they added a £180 admin charge and I could only pay the ground rent along with the…
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Value of Roof Space when purchasing Freehold?
We have been offered the chance to purchase our freehold by the freeholders agent. The property in question is a Victorian terrace conversion divided into 2, two-bedroom flats. Each flat has 950years+ left to run on the lease and pays £15/year ground rent with maintenance split 50:50 on an as and when basis. I had (perhaps…
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paying from multiples accounts into solicitor acc.
Hello, We have several ISAs which we have filled in order to one day buy a house. Now my question is do solicitors accept payments from multiple accounts into their own? The reason I am asking is that if I were to redirect said money into one current account this would mean losing ISA status. I would have to organise the…
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Solicitor issues
Hi So we're selling a house 4 years after we bought it. The buyers solicitor is askng for a hetas certificate for a wood burning stove the previous occupant had installed. We weren't given this and on inspecting our paper work our solicitor when we purchased didn't ask about it. We now have to purchase an indemnity. I'm…
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Would this layout bother you?
Hello everyone I'm thinking of going to view a house in the next few weeks. It won't let me post a link but it is on rightmove - Milton Road in Salisbury, 3 beds for £315k. Things are moving pretty quickly around here and this one has been on for a (relatively) long time. I wondered if the layout was putting people off?…
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Buying a flat with Saniflo system?
Hi all, does anyone have experience of Saniflo system?! My partner and I had an offer accepted on a 3 bed ground floor flat last week in a converted house. The flat has 2 bathrooms - 1 large ensuite and 1 small bathroom in a communal area. We took my partner’s brother to see the flat at the week be and he pointed out that…
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Encumbered buyer's agent - odd sales strategy?
I recently had a very good offer from a viewer who isn't under offer yet, so until then, I'm keeping my property on the market. I haven't been given the address at this stage because the offer can't be made formal yet, but I managed to find it on RM and sneaked a peek. It's a smallish nicely presented conversion in a…
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Advice needed - overstaying holiday let
I have a cottage that we rent out via a holiday letting agency. We currently have holidaymakers in there for 2 weeks , who have breached the letting terms by smoking in the house , causing upset to the neighbours etc etc. They are not answering their phones or emails and will not contact the letting agents back I am also…
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In a mess! Help to Buy / renting out house
Hi all. Hoping you can help me to mentally untangle this mess I'm in with regards to my home and Help to Buy. I bought my first home in 2016 using a 20% HTB equity loan. I then went through a nasty divorce and was offered an amazing job in another city. Knowing the job was a bit of a gamble but wanting the fresh start, I…
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First Time Buyers Help! :(
Hello, Some advice needed please! First time buyers who are unsure. We have seen a house we love, put in the offer. We then asked the Estate Agents if it is a Freehold, she said it was (we have email proof) We also asked what would be left in the house if we matched the asking price (we have email proof of this also). So…
