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Joint Ownership Question
If a mortgage between 2 unmarried people, with no children, which is Joint Ownership, is all equity split equally?
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Selling my Help to Buy Home (Scotland)
Hi Hoping someone has advice. I am looking for information relating to selling my help to buy home. I have been in the house for 3 years, we are looking to get a bigger house and a bigger mortgage. I am looking at new homes and the builder offers part exchange. So the info i need (that i cannot find anywhere online) is: 1)…
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Slow Vendor Solicitor
I'm in the process of buying a flat, it's been 9 weeks since the offer was accepted and I've had everything ready to go on this end for about a week (searches done, checks done, mortgage offer and such signed) and have been waiting for replies to queries made over a month ago to the vendor's solicitor, both my solicitor…
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Santander decision in principle help!
Hi, Me and my husband are going going to be having a meeting with a Santander mortgage adviser tomorrow. I am a wondering if anyone knows what questions they will ask and what details we will need to provide. I had a phone chat today to gain some initial details and he wasn't very clear on the exact out goings we need to…
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Mortgage funds release not confirmed
Hi Could someone please advise if the below is normal? We are edging closer to exchange and completion (hopefully!) Our buyers apparently need confirmation by 4pm tomorrow that our mortgage funds are going to be released (ready for a ((fingers crossed)) Friday completion) as they are cash buyers and they need to pass this…
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Issues with house while renting
Hi, I am having a few issues with my house that I am renting and want to know my options. The main issue was back in December there was a leak in the bathroom which was fixed in December, however the leak caused a lot of mould in the master bedroom, which now keeps growing back and I am having to pull the bed off the wall…
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LIFT Scheme and Part Exchange
I bought my current house under the LIFT Scheme (Scotland), my property is worth 100k, I own 60% and the Scottish Gvt own 40%. My question is, I’ve been looking at new builds, and they offer a part exchange. Would I be eligible for this, even though my property is part owned by the LIFT Scheme? And if so, would they take…
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How likely is retention of mortgage?
Hi, husband and I and my sister are in the process of buying a house. We have had a full general survey done and are aware that work needs to be done. The property is around 140 years old. Purchase price is 425K, deposit of around 80K. Lenders valuation has valued it in present condition at the purchase price and after…
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Mortgage offer- advice with estate agents sneaky tactics
Hi Little bit of background we are first time buyers and viewed a property at a open house at the weekend. We fell in love with t and that evening emailed the estate agents to put in our offer Now we have probably done this all wrong as we put in asking price (before anyone says oh my god the property we feel is priced…
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Building Survey Ownership
Hello. My first post on MSE forums. Brief situation is we were in a chain of 4, six weeks in and buyer at the bottom pulled out unethically and collapsed the whole chain. We had just had undertaken a full RICS building survey at £660 on a dream cottage we are now not going to own. I would like some advice please. This…
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Parking
Hi, I am purchasing a property which has on street parking for one car but the road can be quite busy, so we aren't too keen on parking on the road. The current tenants park in a car park in a woodland area which is owned by the town council and is just opposite the property. The town council won't allocate us any of the…
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What happens if vendors don't remove agreed stuff?
Found a house, offer been accepted and mortgage application in. Currently in the process of discussing with the vendors via the estate agents as to what will be left/what will be removed. There was a large pile of bricks in the front garden and all of the garden fence panels piled high in the back garden that we've asked…
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Planning and conservation officer
I would like some advice please. I am currently applying for planning permission next to an old house. The conservation officer is objecting. How much notice will the planning department take?
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Help to buy ISA closure and bonus
Hello, I wonder if someone could advise, I have a help to buy ISA with Halifax the last payment I make in a couple of weeks will enable me to qualify for the minimum bonus whe I close the account, however do you know if the balance needs to be in there for a certain amount of time before closing the account and claiming…
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Question on management company responsibility
Hi there just a quick question, so I own a leasehold property and have been in a battle with the management company to carry out basic repairs and maintenance of the block which is required. Their excuse for not carrying out work is that some fencing was already done last year and not wanting to raise any charges as 2/3 of…
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Leaving in early termination
Hello there My partner and I are looking for advice in relation to our current tenancy contract. We have the opportunity to purchase our own home which we are pursuing with much vigour! Our estate agent is proving difficult and insisting that we are eligible for all rent on our current (rented) property and looking at our…
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Building control status "work started" from 2000
We are looking at a house that has an extention by the current owners in about 2000. The building contol council website status as "work started" so I assume the owners never got the completed work signed off? Why would they not do this? Possible a bodge job? Also the plans dont quite match the actual layout and a…
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New build snagging items builder won't fix
I purchased a new build apartment and moved in 6 months ago. Fair to say had a few snagging items and most have been fixed now. But I have 2 fixtures which are damaged (I guess before or when they fitted them) and I only noticed these 2 months after moving in. One was a hallway radiator that has been bent at the back of…
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Lead Tenant not returning deposit
Good evening everyone, it is my first post, please be gentle, I have been a long time reader, and just decided to join as we have been made aware that our deposit (tenancy ended 15th Feb) was returned after deductions were made (and agree by the four tenants) as per the lead tenant request to the account we have used as…
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Section 20 (Major Works Invoice) not disclosed by vendors solicitors
Hi there, We've just purchased an ex council flat in a probate sale, and sorting through the correspondence from the freeholder at the address we've found a Section 20 Notice which was not forwarded to us during the conveyancing process. We received the sellers information pack on the 6th January. In the element on major…
