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Moving from joint owned house to live with girlfriend
Hi, A couple of years ago I purchased a flat with a friend as we had no way to purchase on our own in the south of England (50/50% tenants in common) and everything has been fine so far. I've recently got to a point in my relationship that I want to move in with my girlfriend (she has her own property that she has a…
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BTL mortgage for offshore companies
Do UK banks provide mortgages for offshore Ltd (Cayman, BVI, Jersey, IoM etc) that want to acquire BTL properties in the UK? Or will Ltd have to get a loan from a bank at its location?
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Help to buy ISA
Is anyone able to advise on what the HTB ISA bonus can be used for? I’ve read and heard conflicting messages. I’ve read that it can’t be used to pay solicitors, but then I’ve read that solicitors take their payment from the HTB ISA bonus. I’ve heard the bonus can’t fund the deposit, but I saw a friend’s statement where the…
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What is a bedroom?
If you are an estate agent it is a room you can fit a bed in - even if you have to saw the legs off to fit it over the bulk head (seen when house hunting). Bedroom 4 in my house if a tiny 1.9m x 2.2m. It makes me smile when I see comments stating this is illegal. My youngest son prefers that to sharing with his sister and…
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Fence Issue with Building Company
Hello, My partner and I bought a new build last year. We understood from the builders that there would be a fence behind our parking spaces (2 cars wide). Our neighbour has the same house (mirror image of ours) and has a fence behind his parking spaces (2 cars long). We have mentioned this to the builder when we had the…
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Living together - Capital Gains Tax liability on property transfer
My partner and I are living together (unmarried) in my house which I have owned for several years. I would like to transfer half of the house into his name and also the mortgage into joint names. He has another house that he rents out which is in his name only. I don't understand the capital gains tax situation - would…
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any advice would be appreciated please
Hi to cut a long story short im in a bit of a pickle and I don!!!8217;t know what to do. I bought a house with my husband over 10 years ago, joint mortgage split all bills and mortgage payments down the middle and both saved for deposit etc. Unfortunately we are now divorced and things are not amicable. We have been…
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Moving to zone 1 in London, is this enough money?
I'm 27, I've decided to go back to education and am starting evening university this October whilst continuing to work full-time. This means that I have to move from my wonderful spacious apartment in the suburbs to a shoe-box in central London, and due to time constraints between university/work it pretty much has to be…
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Help to Buy vs Lifetime ISA
Hey all Im sorry if this subject has been done to death :D I would just like some advice regarding where to put our savings. Myself and my partner obviously want to top up our savings for a deposit for a mortgage. We both have a starting point of 2 grand each but I'm not sure which ISA to use. We can't apply for a mortgage…
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Concessionary purchase and stamp duty not family!
Hi, could anyone please help? We are buying our house from our private landlord. As we can’t actually afford it at the moment they have agreed to let us buy it for £900k with a further £250k to be paid within 24 months. They will take a 2nd charge on the house until this debt is paid. My question is how we deal with stamp…
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Should I have been in touch
My partner and I are first time buyers so are pretty clueless about everything Our completion date is next week on the 8th. We have had our mortgage confirmed and where kind of waiting for our solicitors to be in touch to tell us if they were needing anything from us (well my partner since it's in his name) We were getting…
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Can I complain about this estate agent?
There's a small piece of land that's been up for sale for at least 4 years and now that me and my partner are in a decent financial situation, we're considering buying and developing on this land if the numbers add up. All I'm trying to get from the agent is the guide asking price and a copy of the site survey report. Now…
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Advice on solicitor please
I have been using an online conveyancer to purchase a house which has been an extremely slow process and the staff have had to be pushed along constantly to get to where we are now We are currently nearing the end to completion at long last, then today I received a document on the online portal that the surveyors use which…
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Inherited house for BEL registration
Hi all. Any guidance on this please? In-laws have both died and left their house shared equally between 3 siblings. The house has been rented out with tenants in place.The house will probably be sold in a few years time. IHT is not an issue. We want to ensure that any income is against the three names, for tax purposes,…
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Help to buy agent equity loan application
I’ve recently reserved a property, had a mortgage offer and valuation done. I’m now waiting for help to buy to get back to me about the loan application, otherwise the solicitors cannot progress at present. I’m getting so anxious about help to buy’s delay. The solicitors are also waiting for help to buy confirmation. Just…
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When to start searching with lifetime ISA
My wife and I both have lifetime ISAs that will reach their one-year "maturity" February 22nd, 2019 which we can then use for the deposit on your first home. As we have never bought a home before we aren't sure how early we can start seriously looking. By "seriously looking" I mean to say for example we started looking and…
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Mortgage, annexe, tenants in situ.
Hi guys We've found a property we really like. It's slighty above our budget, however the house has an annexe which has tenants in situ. This is fine with us. My question is would a lender take into account that rental income thus lending us more? Cheers Joel
