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Additional SDLT
I'm hoping someone can help with advice on potentially getting back additional SDLT for a second property. I separated from my wife in 2012 and the divorce was finalised in February 2016 with a consent order basically agreeing that the property would not be sold until the youngest child was 18, unless certain other…
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Barratt Build Time
Hi there, Just purchased a New Build with Barratt in Edinburgh. It's a 3 Bed Semi, with a driveway but no garage. The roof is on and the block work was finished last week, all windows in and I think the doors are in. I don’t have an anticipated completion date yet, just November 18 on mortgage paperwork but suspect it will…
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Bit confused with Tenants Liability Insurance vs Contents Insurance
Hello, So my boyfriend and I are renting our first flat together. We're finally moving away from !!!!!! student living and into a nice place. We're currently in the process of reference checks before we sign our tenancy agreement. The letting agency has said: In taking this tenancy, you must have adequate insurance cover…
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Ely vs Newmarket
Hi People, I will be relocating to Cambridgeshire area very soon because of my new job in Cambridge so I am considering number of places around Cambridge to live in including Ely, Huntington and Newmarket. Somewhere around train stations. Ideally it would have been Huntington but the trains from their don't have direct…
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SDLT on transfer of equity of marital home
Help please. Recently got married and wanting to transfer the home that we are living in and have been for the last 2 years into joint names with my wife. We have been together longer. The property is currently in my sole name. Mortgage is around £158K. We own other properties jointly which are rented out. Because of this,…
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Conveyancing solicitors on lenders Panel
Hi, Might be a stupid question but just trying to understand... In the scenario where buyer needs to get mortgage but seller don't (seller becomes a cash buyer for onward chain). I know that buyers solicitor needs to be on lenders panel, but does the seller's solicitor needs to be on panel as well? Thanks
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Dampness detected at low level on Home Buyers Survey
Hi, I'm a FTB and I've just got my homebuyers report back and wondered if anyone would be able to help. Everything seems to ok except from a few things as follows: For outside Main walls: "The walls are a combination of solid and cavity masonry construction. The property has been affected by past structural movement,…
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Drawdown LISA early
Guys, I'm having a bit of a nightmare here and would really appreciate some help/advice. Here is a bit of background: Me and my partner are buying a house (first time buyers). We are due to complete on 1st June. I have a LISA that is just under 11months on. The problem: The LISA isn't over 12months old so it looks like the…
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Just moved into a new home, partner getting upset...
over "teething" problems! Nothing major but for the past two weeks since moving in, we have had a minor issue, piping, plumbing, things that you may expect. 2 days ago, we realised our ensuite wasn't giving off hot water, so that's a new shower to be fitted, transfer plate is faulty we believe and then last night, we used…
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Structural Survey on House Purchase?
Hi all - My partner and I have had an offer accepted on a house. I am wondering if to just have a basic (£250) or in-depth full survey (£1500)? The house costs £215000. It was previously bought in 2015 for £179,000. No significant work has been done. According to Zoopla, which may not be accurate, the house is worth…
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Dog buried in garden help (sorry)
Im not sure where to ask for advice, but know there has been a few animal related threads and it is in a newly purchased house, so you guys get the short straw :) We purchased a probate property in April and it has a beautiful mature gardeners garden that's run wild. ive just started clearing back the brambles and ivy when…
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Windows - nothing on the FENSA site
Am just in the process of selling a property under probate. There are fairly recent replacement double glazed windows (less than 10 years I think ) in the property. Haven't found any FENSA certs I've been onto the website and there is nothing registered for the property. Currently hunting through the paperwork to see if I…
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Selling your house, making a profit then using that to renovate another house
I bought my property for £91k I’m looking at selling it for roughly £110k as I’ve renovated it. I’ve seen another property which needs renovating and would like to put an offer in at £70k I owe roughly £78k on my mortgage as it stands. I don’t quite understand how mortgages work but in theory, can I use the profit I make…
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Help with Understanding Contract Notice Period?
I have lived at my rented flat for 8 months, and need to move out soon. However, my contract is very confusing and seems to contradict itself, could somebody please tell me what this means? First it has a listed section with Property Name, Deposit, Admin Fee and Term. It says, Term: A term certain of 12 Months from October…
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Mortgage Special Condition
I'm due to complete sometime over the next two weeks. I think we will agree on a date next week when I exchange. I just noticed on my mortgage offer there's a special condition, stated as follows: 'You have declared an intention to repay some or all of your outstanding credit commitments. The mortgage advance has been…
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Buying property from family members advice
Hi Just looking for some general advice how the best way to solve this situation would be. We are buying my wife's relatives house who passed away last year. The house has been agreed to be sold to us for 120,000. We currently have a 2 year fixed mortgage with Tsb. We have 112000 remaining on the mortgage with 16 months…
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Considering not exchanging due to Ground Rent Clause ...
Hi, I asked my solicitor to get an illustration of the ground rent from the Developer's solicitor over 5 review dates. They provided me with an illustration for one review date but say that they can't comment on any other review date after that or provide any further illustration. This is arousing my suspicion about why…
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Confusing rent arrangement
When my father died he instructed that I use the money from sale of his house to enable my kids to get on property ladder which I did. The house that was purchased for my son and his then partner plus her two kids to live in used up his share of the money. I was dubious as to how long the partner would stay with him (he…
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Offer accepted, vendor quick move = October.
Am I being unreasonable here? FTB and have spent the last 3 months trying to find the right property for me, made 4-5 offers and generally been screwed around by EA/vendors. Thought I had finally found the one for me, EA told me vendor looking for a quick sale, we agreed a price, vendor told me he has a property lined up…
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Nightmare conveyancing process
Hello all. I'm selling my flat in London and I found cash buyers immediately - during the first couple of weeks and we started the process. I was receiving pressure to choose the conveyancing firm that the real estate agent is cooperating with especially since my buyers signed up with them, but I chose different ones that…
