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Nursery fees - use as credit commitment for amount can borrow
Hi, Trying to find out a rough idea how much we can lend. Do I put my nursery costs I pay each month into the box where is says credit commitments? I cant see anywhere else for it to go. If I say nothing when we get a decision in principle it will be less. I need to get a good idea from the banks calculator. thanks
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Freehold Question
My Grandparent is leaving me their house in the will when they pass away, however they do not currently own the Freehold over the property. Some family members who do not agree with my grandparents decision are trying to buy the freehold on the property to push me out. Could you give me any advice or confidence where I…
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House buying help
Hi, I'm not currently buying or selling a house but looking for some advice on the topic and hoping some people on here can help. Long story short, I recently found myself out of work and decided to use this time to learn some coding web site building skills. Having been through the stressful house buying process I came up…
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sale fallen through - is bridging loan my only option?
Can anyone help me? I am selling my house to fund a retirement home in Spain, the Spain house is so much cheaper than a house here on the south coast and im using equity in my UK house to fund Spain house. The rules of buying in Spain is that I put a 10% deposit down and promised to complete by a certain date. Things were…
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Land registry from ex buyer?
Wonder if someone can help me? Our buyer has pulled out of buying our house – almost at the 11th hour, she was trying to gazunder us but we couldn’t go as low as she wanted. Her solicitor had already obtained land registry paperwork and all the other paperwork bits and bobs – we were ready to exchange, that’s how…
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Cost of adding a new floor to a bungalow?
We currently live in a bungalow and I'm considering adding a floor. We did this many years ago and I can't even remember what it cost then so it couldn't have been to painful. Planning permission would not be a problem as several people in the area have already done similar alterations. I would like to consider what sort…
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Affordable place to live between York & Leeds?
Budget around £160k. We need at least 2 bedrooms, and something with a garden as my main hobby is gardening, and we have dogs (but no kids). Seems the nice areas are ££££, and the affordable areas are ex-mining and described as "grim", but as we are not familiar with the area, and the posts I've found are years old,…
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find out if vendor is genuinely/actively looking
Hi, Hope this is not too broader query. I am FTB, currently awaiting for the vendor to find out the property. We are only a couple of weeks into it but not been able to do anything about this for indefinite time has got me anxious. I understand it could take months for things to start moving. Looking at some ppl.'s…
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Mortgage Advice (Broker) Fees - Landlord Tax Return
Hi, I recently remortgaged a BTL property and paid fees to a professional mortgage broker for BTL mortgage advice (ie to help me find the best available mortgage). I understand that these are tax deductible but do they come under "Legal, Management and Professional Fees" or "Costs of Finance" on the property pages of my…
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Bankruptcy Notice on title deeds - potential purchase
Hello, My partner and I were about to make an offer on a freehold property, but a quick check of the title shows up a number of bankruptcy notices. The charges section of the deed looks pretty normal with a mortgage. Wondering if anyone else had bought a property under similar circumstances, and has any advice, tips,…
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best landlord insurance
I've been with NIG via local broker who now no longer uses them. Can anyone recommend good landlords insurance cover.When I use a comparison site many companies won't cover me! Any advice,please.
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Help 2 Buy Homes, and the difference in price than non H2B!
Hi All, So after spending years in an IVA, and very much learning my lessons with respect to debts, I have spent 3 years saving for a house, and am up to around 10k deposit wise. I have spoken to various people and told I can get around 180k using the help to buy. My question however revolves around prices. I!!!8217;m…
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Mining Interpretive Report
Hi All, I'm currently in the process of buying my first house and solicitors have picked up on a mine entry within 20m of the properties boundary. It is no where near the house as it is right at the back of the garden 4 houses along, so it hasn't put us off. The lenders were sent the original mine report, and we have since…
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Selling, Buying and Consent order
Hi All, I have sold my house to FTB and the house which I have purchased (I know nothing is fixed until we get the keys) is chain free. It is an ideal situation which could move quite quick as all parties have requested completion asap. My concern is that I am in the middle of a divorce, the split has been agreed and is…
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Equity Release
Seen these ads on TV where you, in effect,take out a mortgage, that isnt paid off until the last one dies! Ok had a look at them, and to be quite honest, son will still get a good wedge, when the house is sold,and we get a complete revamp and dont have to worry about redecorating again! One poster on here went apoplectic…
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Flats in front of my house - a problem when selling?
My end of terrace house on new-ish eatate is on sale for almost 3 months now. Its in immaculate condition, neutrally decorated, has two double bedrooms and a large kitchen diner. The feedback is always very positive, I am always told the buyers love the house but no one ends up buying it. We only had one offer from an…
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RICS Homebuyer Report
How in depth is a RICS Homebuyer Report? Should they go as far as to check that all Water outlets in the property are functioning and advise of water pressure issues? Have Googled and can’t find anything specific to taps and showers etc
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Thinking of sacking the EA'd and going with Tepilo
Dear all, after a total of 3 viewings in four months we are thinking of ditching the estate agents and going with Tepilo. We had listed at genuine low price compared to similar properties and now we feel like going giving it a go ourselves. The only difference between the basic and classic package on tepilo is only photos…
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1 bed property for a million quid.
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Council housing Homechoice system and bidding position 1
Hi All I just wondered if anyone can advise me please. I’m on my local council waiting list and we are in an urgent band 2. Two weeks ago I bid on a brand new property and came in at position 1 when bidding closed last week on Monday. I’m still waiting to hear from them. Can anyone advise me please that’s been in the same…
