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Moving to Ely, Cambridgeshire from Bradford
Hi All, I am moving to Ely from Bradford due to my relocation in Cambridge. It's very expensive to live within Cambridge so I have chosen Ely as it has a direct train route to Cambridge compared to Huntington. I am a brown asian, vegetarian and restricted to halal food only. I would like to ask your opinion on Life in Ely?…
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External stairs damaged by tenants, who will be legally responsbile?
Hi everyone, I have asked a state agency to fully managed my property in Cardiff Bay. The property is rented out for 12 months until the 1st June 2018, so it nearly finishes. Recently Warwick, who is the management company for the entire building (covering cleaning, maintenance of externals, watering grass, pavement, etc),…
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Ending tenancy early
Hi all, This is my first post. We are looking to end our tenancy early (earlier than our 12month break clause) due to various reasons that have made it very stressful and difficult to live in the flat. We moved in in October, to break the contract on May 25th we have been told to pay a fee in excess of £1500. Unfortunately…
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Have you used a Help to Buy ISA or LISA as a couple to buy your house?
Hi Everyone, This is a post for tomorrow's newsletter. We need a success story for a couple that's successfully bought a house using either a Help to Buy ISA or LISA. We need BOTH of you to have been first time buyers and therefore both eligible for the payout from each product. As this is for tomorrow's newsletter, it…
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Help: Rent, Buy an apartment or buy a house!?
Hi All I'll try to be short and sweet but really need advice for moving out from people who have done it or considered the options out there. So I am currently 23 and living at home in the NW countryside and commute to the city for work, never been to uni and therefore never lived away.. I have a stable well paid job at…
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Shared owner? Can you help with research into home buying?
Thank you for the first time buyers who came forward for this research project: https://forums.moneysavingexpert.com/discussion/5832197/are-you-looking-to-buy-or-have-you-recently-bought-your-first-home But are there any shared owners who have bought in the Leed/West Yorkshire, Birmingham/West Midss or Bristol/Gloucester…
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New Build Queries
Hey All, It's hard to know where to get answers to some of my queries, so hope there are some knowledgeable people out there! Basically i've reserved a new build, but have not yet exchanged. The development is already a few months behind schedule, was a leasehold, which i'm actually buying the freehold to. And it's now in…
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Providing a credit report to letting agents - how to explain something sketchy?
So basically I am trying to rent a flat. My credit is fine, it's the average for my area. I have 2 credit cards which I've paid off in full every single month I've had them. I've never been late on any bill payments. All good. I just downloaded my full report of Noddle as instructed. The problem is that last year, I…
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The logistics of exchanging contracts
Being in the middle of selling in Scotland and buying in England, with the benefit of Google and the helpful people on this forum, I thought I understood the basics of how things work. I guess not. House purchase in England should be pretty straightforward. Estate of a deceased, son is the executor and seems to be…
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Contaminated Land Query
We've just got our environmental search result back and it has flagged that the property 'is assessed to have potentially significant contamination risks due to the presence of a filling station adjacent to the site c1971'. Solicitor has said they will need to notify mortgage company of this. This is a very rural, out of…
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Take a builder to court?
Hello all I'm looking for advice on the next step to take. For background, we moved in to a new build flat in London about a year ago. We've been very happy in the flat except for one issue relating to the build. The builder is one of the big ones. We noticed this problem almost immediately and have been chasing the…
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Vendor / developer has pulled out after exchange
Hello all, I need advise. I put down a reservation fee down in November 2016 on a new build property that they said would be ready for completion of February 2017. We exchanged contracts in January 2017. The development is about a year and 5 months behind schedule now, and was all ready to complete any day now, as other…
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Insurance and Subsidence
So I recently bought a house and noticed something today on the Valuation Survey. When I bought my home insurance, the insurance asked about subsidence (I think the question was "Has the property ever suffered from subsidence or ground movement?"). I selected 'No' as on my Level 3 Building Survey it wasn't mentioned once…
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Renegotiating after survey
My husband and I are first time buyers. We put in an offer on a 2 bed leasehold flat in London for £5k over the asking price (got roped into a bidding war and still have my doubts of wether they actually existed). The place was tenanted, filled with furniture and everything seemed to be in good order. I went to view the…
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Extending notice period - mutually beneficial
Cutting a long story short: We are renting and my landlord said she was selling up. We negotiated to buy the house to what we thought it was worth but landlord declined so it went on to the open market and she served our two months notice. She did however say this may be flexible. We've since bought our own place but are…
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purchasing a property to live in when renting outprevious homes
hi me and my partner are looking into moving in together both have our own properties after divorcing and want to be able to buy together a home to live in and rent our existing properties out does any one know the best way to do this and what the process it and what's required dep etc thanks in advance
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Has landlord avoided the deposit protection scheme
Hi everyone, newbie here so I apologise if this post is not accurate to start off with. I will be issuing notice to my landlord in the coming days, but I noticed on the Tenancy agreement that they have marked down that they have not taken a deposit but I have paid 2 months rent in advance. However, the tenancy started on…
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Letting agent increasing fees and rent
Sorry this is a bit of a long post... I have two issues with our letting agent. We have been living in the same rented accommodation for 8 years now, our tenancy is due for renewal and we received a letter from the letting agents stating that they had spoken with the landlord regarding the renewal they are happy to renew…
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Buying house from parent / part exchange
Hi all, First post here so forgive me if I'm flouting any rules! Before I pay for advice I thought I would try here. :) Basically I'm not sure what makes most financial sense for a house purchase/move. Here's some details about my situation: I currently rent a property off a parent who is willing to sell to me whilst…
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Exchange/completion plus two weeks situation
After 8 months we are ready to exchange and complete. However the seller is on a chain which we are buying form him to buy his next purchase. He calls me to say after completion he would like two weeks to renovate his next home as it needs work. We agreed he pays half my mortgage, council tax and service charge. What is…
