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Are we close to exchange?
Going out of mind just waiting, can anyone who's endured this process let me know roughly how much longer this is going to drag on for?! We had the solicitor's report through last week with all the search results. All was fine so we've signed and returned a copy of the report, the contract, mortgage questionnaire, mortgage…
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Are searches always necessary when buying a home?
I know some cash buyers in certain circumstances choose not to get a survey done when buying a house, but how common is it not to get the searches done? You can easily pay £200 or more for searches. Would you be mad not to get them done if you have found your dream property in an established residential area and have…
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Cracks all over internal and external walls. Structural issues or settling down cracks?
]Hi All, We are in a process of a buying a house. We found out on our 2nd visit along with the builder that all rooms with (no exception) has horizontal, vertical and arch cracks on the walls and external wall. The external wall is half brick and half rendered and both surface has cracks. The brick work has two minor stair…
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Buying a house with parents
Hi, My husband and I are selling our house. My parents are selling their house and we are looking to move in together. We would need a mortgage that amounts to 30% of the total new house value. But my parents are mortgage free and we would like them not to be added to the mortgage. My parents would be happy just to give us…
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Advice on Renting Rejection
Hi, I am looking for some advice as google has not produced any great answers for me! My partner and I moved in together and out of our parent’s houses about 6 months ago. My partner’s boss owned the flat we moved into so apart from a contract and the usual stuff we did not have any checks or fees to complete. The owner…
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Buying our buyer's house? Silly?
To cut a long story short; we were recently in a chain that fell through (our buyer's buyer pulled out). We have given our buyer a couple of weeks to see if she can sell. In the meantime, while checking on Rightmove, we found her house and it's something we're quite interested in. However, would it be weird for us to now…
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Estate Agent Advice
Hi Hope all well. I was with one estate agent for a year but had poor service so gave them 28 days notice to cancel the contract. I have gone with another estate agent now but the old estate agent continues to market the property on their website and rightmove even though the contract ended 11/5/18. They wanted to put a…
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Would I Be Classed as FTB for Stamp Duty?
Hi, looking for some advice for the below. Any help is much appreciated. I am a FTB, currently privately renting and currently in the process of purchasing my first house for £200K (mortgage offer received and deed signed). Stamp duty is calculated to be £1500 but I would currently be exempt from paying this. My parents…
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How to find out if Freehold?
Hello, I am looking at a couple of sites with Persimmon: https://www.persimmonhomes.com/the-pastures-10299 https://www.persimmonhomes.com/the-willows-10591 and having read the horror stories around freehold/leasehold im trying to find if these sites are freehold. Is there anyway to find out (the persimmon website doesnt…
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Renting in Scotland
Hi I recently paid a deposit to secure a flat in Dundee, but then found out later that day that the letting agent had taken another 4 deposits from others who had viewed the flat after me. They said they were leaving it up to the Landlord to choose. Is this allowed in Scotland? Deposit was paid on Friday am and by Monday…
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Restrictive covenant - Choosing a solicitor
I'm after a bit of advice for choosing a solicitor for a covenant removal situation. I am currently negotiating the sale of a 'ransom strip', which is a small portion of my front garden. It has come to light that there is a restrictive covenant on my property which will need removing before they will purchase the land. The…
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In need of advice please: Looking to buy a house between Leicester and East London (Barking)
Dear MSE Forumites I’m an FTB, I’m single on a salary of 32k and have savings amounting 150k. I wanted to ask fellow forumerites a few questions to aid me in my quest to get on the housing ladder. 1. With what I’ve detailed above, what price range should I be looking at for houses (not interested in buying anything else).…
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Calculating Capital Gains Tax
Is there an easy way to calculate Capital Gains Tax? My husband and I are getting a divorce after 8 years separation. We own the marital home and a second house and are planning to transfer the deeds of one to him and one to me. I believe that CGT will be payable on the second property so we would like to work out…
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Tenancy HELP
Myself, partner and daughter were made homeless in March of this year. My partner was made redundant in February of last year, we fell behind with rent and bills. We have paid for refrencing for a property we have found. We were completely honest with them about our situation last year etc. First off they have made a…
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How soon can I buy a flat?
I've recently moved back to my parent's house after years of renting in order to save for a flat. While I am grateful for the opportunity to live here and save a large chunk of my paycheck, it is not an ideal situation and I am keen to move out as soon as possible. How early can I start the process? Do I need to wait until…
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House buying
Hi all, Its been a long long time since I've posted on here and life has been hectic! My husband and I are hoping to, in the near future, but our own home. We are both working full time and earning an okay income. I am self employed and husband is employed. We stupidly started looking at houses with a view of keeping our…
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Builders warranty issue
so buying a new build property via Halifax sent for valuation and Colleys threw it back apparently they had done a valuation on same site last year and they said builders warranty not excepted (ABC+) but it's on Halifax's list of recommended warranty's at the moment is this a new addition or have they stopped and not…
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Buying a new leasehold flat v doing the lotto
Not sure if I am just getting last minute nerves before exchanging contracts or if I am just being sensible ... would massively appreciate input on this ... I feel like a very naïve first time buyer. When I started the process of buying an apartment I was looking forward to my own place that I could pay off the mortgage on…
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Buying/selling by auction
Has anyone bought or sold a property by auction? I think of auction properties as either run down needing renovation or being unique in some way. Am thinking of selling my current home by auction and just wondered what people's experiences were.
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Divorce and Transfer of Deeds
My husband and I own two houses. Property one is the marital home and the deeds are still held in his name and my maiden name. Property two was bought after marriage and the deeds are in his name and my married name. We are seeking a divorce and have agreed between us how to split the assets etc. We need to put property…
