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Affordable Housing - Current Rent Arrears
HI Everyone I just wanted to see if anyone could help me with my current situ? I have been on the affordable housing list for over 3 years, i currently rent privately and have done for the past 5 years with the help of housing benefit top ups. My landlords last year up'd our rent which lead us to fail behind for a few…
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Possible Private Sale - Is home report needed
Hi We are looking to put our house on the market as we want to downsize and one of our neighbours has expressed an interest on a possible swap, depending on the value of both properties. I have been onto a few companies for quotes on home reports and the quotes are based on the value of the property. As the property has…
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Downsize for no mortgage?
Hi, It's been a while since i last posted on here so please bear with me if i get anything wrong ;-) I'm not sure if this belongs here or on the mortgage board... I'm thinking about selling our 3-bedroom house and buying a 2-bedroom apartment. I've been considering all the pros and cons so don't necessarily need any advice…
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Advice on best & final offer?!
Hi We have made an asking price offer of £269,950 on a house that has been up just over a week. From what I can gather 2 other parties have also put in asking price offers. My estate agent rang who the house is up with and found out the other parties involved are in a similar position to us, sold to first time buyers. He…
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Understanding a Restrictive Covenant
In simple terms, what does this restrictive covenant mean? 3.1 that no building structure or works shall at any time hereafter be erected constructed placed or laid on or in the Property or any part or parts thereof and no renewal or enlargement of or alteration to any building structure or works for the time being on or…
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St Pauls Cray Area
Hi All, Wondering if anyone lives in the St Pauls Cray area and can give me their thoughts on it? We have driven round it quite a bit and there seem some OK parts and less desireable parts. We know it is definitely better than St Marys Cray! But any specific roads or areas of it to avoid?
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Tenants should have 'default right' to pets.......
....according to Labour. Labour wants to strengthen the rights of tenants to keep a pet in their properties as part of a package of proposed animal welfare measures. Some rental agreements drawn up by landlords insist on no animals. Tenants can seek permission to keep pets but Labour wants a default right for them to do so…
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Guarantor
My daughter has returned from uni full of joy as she’s found a uni house next year for just three good friends. She needs a guarantor. I live with her stepdad and we rent at the moment. As he earns the lions share of our income we are thinking it’s best for him to be guarantor. Hopefully you can be a guarantor if you…
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Leasehold hidden as a service charge
I have been in my "new build" house for nearly four years, bought as a freehold property. When the house was purchased I had to sign up to an annual charge, which I was told was to cover maintenance of communal grass areas etc., and which I receive a bill for annually. This affects an entire estate of over 100 houses. It…
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Sell BTL
Hi, hope I'm on the right forum here. I have 2 BTL properties that I've decided aren't worth the hassle so I'm thinking of selling them. I think I'm pretty close to being able to pay off my residential mortgage with the equity in the 2 BTL, would it benefit me to see a financial advisor/accountant before making a decision?…
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How to safely transfer cash
How do I safely transfer cash, for house purchase, to my solicitor? Think I read somewhere that the FSCS limit of £85000 could be exceeded for a short period. I want to put £160K in my main Santander account ready to transfer to solicitor,
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Viewing just before Exchange of contracts?
We are first time buyers and we got our offer accepted 2 months ago. Waiting for the solicitors to do their job. Mortgage is in place, searches are done.[STRIKE][/STRIKE] We had only one viewing of the house and made an offer because the property is easy to sell and we really liked it. So our second offer was accepted as…
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Late Payment of Service Charges, outside of lease
Hi All, Hopefully this isn't quite as straight forward as 'you paid your service charge late, cough up!' :beer: But Last year, I was sent my bi-annual service charges. They were promptly paid. However, I then went away on holiday for a month (It was ski season!), to return to find my management agent had sent me an…
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Freeholder issues affecting sale
Hi All, I am currently going through with the sale of my leasehold flat. We have had a few bumps on the way to exchange including a land registry issue which has now been resolved. I declared on both my TA 6 and TA 7 an issue with my upstairs neighbour who also happens to be my freeholder. The issue relates to noise from…
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Mortgage Wirh Satisfied CCJ On File
Hi Me and my partner currently rent our home, we have an expanding family and are looking to buy our 1st home. We are both in secure jobs and earn good salary’s, mine being mostly made up of allowances which are guaranteed every month, with our outgoings are minimal to say the least. I do have a satisfied ccj on my file…
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SDLT - work housing allows refund on higher rate
I have what seems to me to be a relative complicated question about SDLT, specifically getting a refund for replacing a main residence in certain circumstances. I've had a good look at existing threads, and the government's guidance document, but so far I've not found anything about the same precise situation. I bought…
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Advice on getting new house please
So we are currently have a mortgage our mortgage is at £101,000 started at £105,000 two years ago and was a 35 year mortgage with nationwide. We want to move house to be much closer to family but our circumstances have changed my husband is now a student (he was in £19,000 job) now a student to work for the NHS he will…
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Buying house with Knotweed in adjacent woodland
Hi, Would be grateful for any advice. We are considering putting an offer a house that has japanese knotweed growing in the woodlands behind the property. The property grounds itself does not have any of the weed and its only situated in the woodlands but its close to the property line. The woodlands is owned by a private…
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Bought a piece of land - AP1 Form Help
I have bought a little bit of land at the side of my house just to extend the garden. All has gone through but I have been told by the council I need to complete an AP1 form to update the register. Is this something I can complete my self or should I be using a solicitor for it? TIA!
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Ex wants to buy me out.
My ex and I have a joint mortgage on a property which I and our 2 children live in. He moved out in June 2014 and I have paid the mortgage and all bills by myself; which is every single penny I earn each month... I want to put the house on the market and sell it, but he's already started to be difficult; saying he needs to…
