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Commuting from Alton, Hampshire
Does anyone have any experience of commuting from Alton, Hampshire by rail to Aldershot/Woking and surrounding towns? Or commuting up the A31 to Aldershot/Farnborough etc I am considering moving to Alton, slight concern that it's a way from other towns for work. Any experiences and insights appreciated
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Shared Ownership Property
I was looking at properties on line and have seen one which is a shared ownership property. It does not specify the percentage owned, though given prices it is likely to be 50%. This is not a new property. How do mortgages work on properties like that? Do high street lenders offer these.
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Cala Homes delay. Advice required
I!!!8217;ll try and keep this as short as possible. In July last year I reserved my Cala Home with an anticipated move in date of Feb 2018. When I recieved the missives they stated Mar 2018, not a problem as it was only a months difference. Since then the anticipated move in date has been delayed twice and I now have a new…
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Sign mortgage
Hi I'm sorry if this is a long one but I'm wondering if anyone could help please :) So back in 2011 unfortunately my mother in law passed away and she left her property to her children (4 of them) and obviously my husband was one of the children, unfortunately in 2013 i lost my husband to an accident, and as i'm next of…
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Boiler/radiator problem
Any gasmen inspectors experts out there that can answer my question thanks I live in social housing Boiler stopped working, no heating and hot water, 1st guy came round and said needed a new part and there was a leak, after too many days a part was found and replaced by another guy, he also did a gas safety check, coss it…
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Buying with the London Help to Buy (Equity Loan) scheme
Hi all, Quick overview of my situation: * Currently living with my GF in a rented 2-bedroom flat in London, paying £1,500 a month. * I earn £55k/year, she earns £28k/year. * We have around £30k saved at the moment and we can save at a rate of around £1-1.5k a month. * She has a house in Italy (it was gifted to her 20 years…
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Lifetime ISA and Renting or Mortgage?
Hi everyone, I thought you might appreciate this, it's a calculator tool I made for young people like myself who wonder whether to save and rent or buy a house (in the short term). It has lots of variables that you can change and will give you a good indicator of which option makes financially the most sense. Making the…
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own 50% of freehold, refused insurance?
Hello, I live in a ground flat in a semidetached house in London. Above me there is a second flat. there are two flats in total in the building. I own 50% of the freehold of the building, with the owner of the upstairs flat owning the rest. I have had building and content insurance for the past 5 years with L&G and for the…
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Buyer wants completion in 4 weeks - is this possible?
We moved out over the weekend so my house is empty (buyers viewed it on Saturday and made an offer 10 mins later which o refused and then agreed a price today). There is no mortgage and the buyer is a cash buyer that has sold her house. She is keen to complete and I don't believe she is having any surveys etc done,…
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Getting a second mortgage in the same area
Hello, I bought a flat approximately 1 year ago on a residential mortgage at 10% deposit and would now like to buy a second one in the same area. Is it possible to get the second flat with 10% deposit? Could I rent out my current flat and still get accepted for a second mortgage? The flat I currently own I pay £550…
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Buying a second (?) home after divorce
Hi all, I'm currently divorced and part of our divorce agreement was that my ex-wife remains in the property with our children and I pay her monthly child maintenance and that is meant to cover the mortgage payments as well (wording in the divorce agreement was that my wife is responsible for all mortgage payments and…
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Surviving a 6 month rental agreement
Hi All, Following my previous post regarding my 6 month rental agreement, I have today spoken to the letting agent who have said that the only way I could terminate my agreement early is agree to pay the landlords advertising fees and rent until he finds new tenants. I can't afford to do this so looks like I'm stuck there.…
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A bridge too far?
Currently looking to sell first home; small flat Looking at dream home with wife, 4 bed detached in excellent area, cost ~400k. Just about affordable (combined gross salaries ~100k) With sale of flat hoping to get about 80k profit, on sale but no offers yet. Will also likely port mortgage due to ERCs already fortunate to…
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Forfeiture proceedings for ground rent arrears
Some advice if possible please - The Company who represents the Freeholder of our building, instructed their solicitors to commence forfeiture proceedings against 1 leaseholder who is in ground rent arrears. We're talking 4+ years worth here.. It has been over 15 months since any updates on this, other than 'it's still…
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Landlord obligations when showering facilities removed
Hi, I live in a privately rented flat with 5 overall tenants. We have damp in our main bathroom, meaning the shower/tiling will have to be removed and dried out. This could take 1-2 months. For this duration we will have no washing facilities. We have a second, small bathroom which just has a sink in it. Our landlord has…
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Stamp duty when consolidating equity for own home
Hi, Due to chronic health challenges the only way I could afford my 'forever home', which I am now buying, has been through building equity slowly in 3 small flats over a 20 year timescale... Each has been my main home, and each has been let out, all income declared, and all tax paid. I am now gradually selling them to buy…
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Landlord help pls
Hi just wondered if any other landlords could help. We issued a section 21 (via form 6a) to our tenants(out of contract) giving them 2+ month notice ending 20th April. They were due to leave but have asked for an extra month. I am happy for them to stay but worry in a month's time we'll have the same thing. Just to confirm…
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Travel Dilemma, buy to let flat or pay off mortgage, or neither?!
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Forever home
I am looking to buy that forever home that some people buy as their 2nd 3rd move. Mostly because we as a family need the space. Not feeling brave enough to go for a bigger mortgage or buy a more expensive property given the economic uncertainty. So for inspiration and experience share, anyone willing to share how much they…
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Heating empty property
So my property has been empty 30 days atleast and will be empty much longer and i was wondering what do i do with the heating etc leave it on 12? Will it incur a lot of costs too? Or should i put on timer couple hours a day? Thanks
