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Please few main message as quite detailed .
Hi I'm looking at moving back to my parents property and building them a granny annex . I currently have a morgage . My parents are getting on in years and I'd like to be closer to them . Plus my children with my x live in the same area . I can't afford to buy there as house prices as very high . My parents said they will…
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Selling house costs..
When selling a house do you wait till you have sold your house befor you pay any estate agent fees?
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Estate agents won't let us move out
Hi there, I though I need to ask for advice as we're in quite tricky situation with BairstowEves agency: Back in December we have changed the contract as one tenant left and the other came. Lettings manager sent us contract after referencing was finished with a new contract finishing June 2018 and asked us all to come and…
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Rental property gardens
How much is too much work for a tenant in a rented house ? My gardens are both surrounded by hedges and contain lots of bushes and plants - quite high maintenance I’ve just removed my pond and am planning on taking out lots of the bushes and plants and baskets and containers As I am going to rent this house out . But I…
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Buying property in Slovenia
Hi, My wife and I are looking to buy a holiday home in Slovenia for €180000. We have a deposit of €80000 and have a residential mortgage in the UK of £250000 on a property worth an estimated £380000. I've contacted many Slovenian banks to obtain a mortgage there but due to fairly recent Slovenian legislation, they won't…
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City Strategy Plans - so vague!
Hi folks, Just reading some city strategy plans for an area we like, I can't make heads of tails of most of them, they use vague language. Like for example, we're looking at an area which has a few brooks nearby. It looks like the long term plan is to build houses a reasonable amount away (past the brooks). Is this good,…
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Hmo
I am an owner occupier of a four bedroomed house and have lived here for 30 years. I am thinking of renting a couple of bedrooms out as I am studying and my income has considerably reduced. If I rent out 2 of the spare bedrooms does that mean the property will be an HMO? If so, how different is that from just having one…
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Transfering House Between Siblings.
Hi, Situation is that our main family home is in my sisters & mums name. It has £100,000 mortgage left on it and we want to transfer it into my name and for me to take over the mortgage. Will there be any taxes to pay? We have been told that she can gift it to me and there will be no extra costs but im also reading about…
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Buying new build before selling current home
We are looking to purchase a house on a new build development. A plot that we are interested in has just been released and is likely to sell quickly. The house is predicted to be built by November/December time, although the foundations have only been built so far so this could change! Currently we live in a much smaller…
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Stupid Stamp Duty Question
Hi, The Stamp Duty calculator website says that for a second home in England you have to pay 3% stamp duty. It also says that buy to let properties incur a 3% surcharge which they did not used to, but there is no tick box to include that in the calculation. Am I right in thinking that if I buy a property on a buy to let…
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Covenant. Help please.
I will try to be brief. Myself and wife, 2 kids wanted to move home. My wife's parents being elderly suggested we both sell and buy together to benefit us all. We have now both sold our properties and are nearly complete on our house to move to when the solicitor said stop there is a covenant. The house we going to was…
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Landlord changed locks without consent
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Are surveys necessary?
Now hear me out before you jump in. We nearly bought a house recently (fell through for various reasons, but not to do with the survey). We paid for a full structural survey through a RICS surveyor for an old property circa 1750. It was a complete waste of money. All the usual timber and damp surveys needed (it was a solid…
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Communal land maintenance committee rights
Hi Recently bought new house freehold from developer. Development still with developer. But will soon pass on the common owned areas and play area and walking area to committee of owners. Some residents want committee to install CCTV in some area and run it communally. Development over large area so obviously CCTV will…
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should I buy?
I have somewhere between £350,00-380,00 collateral in my London property (40,000 mortgage and value is approx 410-430,000). I am self employed and have earned between 30-40,00 my last 3 years of work. I have debts of 5 grand on cards and about 5 grand in bank, no pension or investments. I am trying to work out how tor best…
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is Electrical Installation Condition Report ok for building regs?
Hi. Is Electrical Installation Condition Report ok for building regs. sold the house, i dont actually need it as the house was sold with some works to do, but i thought i would be good to tick it off. i need final inspections from regs for an extension. they asked if i have electric certificate which i havent got.…
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can i reclaim capital gains if i move in?
Hi. I decided to try property development with a friend (buiness partner), 6 months ago we bought a house and spent a few months bringing it up to scratch. it was so nice my wife decided she would like it. so now we have found a buyer for the old house, i have arrange to buy out my business partners half from the sale…
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buying next door to make one house - need special mortgage
we want to buy next door to make one house and need specialist mortgage / financial advice for this the basic high street lenders don't 'get what we want to do, or it's just a flat out no. the background: old farmhouse, Grade II listed, split in two in 1980s. we own one half, and have chance to buy next door. affordability…
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10% deposit on Exchange of Contracts
Hi We are selling a flat and not buying another property. Our buyer has a buyer and that's the chain. We exchanged contracts on 8th May but as of today 19th May my solicitor still hasn't received the 10% deposit. Completion is due on 31st May. My solicitor is chasing this, but does anyone know whether it's normal to wait…
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Most efficient way to save house deposit
My husband and I owned a small property 10 years ago bought at height of house prices and sold due to arrival of children and work opportunities elsewhere. Unable to transfer our mortgage as due to the stricter mortgages we were deemed 'unmortgagable' despite 3 yes of regular payments, I am self employed but with a very…
