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Stamp duty - married sole first time buyer but wife owns a house
Hello everyone. I have spent hours searching the gov stamp duty rules for a definitive answer to my question but have yet to find one. Please help. I am married. I own my own home which i purchased in Sept 2011. I married in 2012. It is our main residence and has been since 2012. We were hoping to purchase another house…
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Offer on property
Hi I have had 2 sales through on my house due to the building society refusing to lend on house. The bs was Kensington which doesnt appear to have a great rep. Anyway I have now had an offer today from a lovely couple who have a mip with the Halifax and I am happy to sell to them etc My problem though is they have a house…
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Landlord refusing to pay back utilities bill
My ex landlord is refusing to pay back utilities bill. Our rent included bills which the tenancy agreement does state. However he felt it would be easier if we paid the bills and gave us the money to do so. That wasn't in writing, my mistake I should have insisted on that. I gave notice over a different matter, one where I…
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Buying an extended house with no planning permission
Hi My other half and myself are first time buyers. We’ve found the house at last! Only issue is it has a loft extension and also a self contained studio in the back garden, neither of which had planning permission. Advice needed on this please!!
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Help to Buy Redemption - Target HCA - Title Charges release
Hi All I have recently gone through the process of redeeming the help to buy loan in full via a further advance on my mortgage. After a lengthy (4 months) painful process this has been completed via Target HCA and my appointed solicitor. My questions... 1. Has anyone been through this process and got to the point of having…
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Mortgage Application and late payments
Can anyone help. Just been approved for a morgage and they did all of the checks. That all went ok but found out today that I went over my credit card limit by 11p! Paid it off straight away but worried it will cause a problem for me at some point before the sale all goes through. Anyone had a similar experience or know if…
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Sold leasehold for apartment under false pretences
Hi all, I'm looking for a bit of advice following the purchasing of my leasehold apartment which was a new build purchased from a well known housing developer. I purchased the property in December 2016 and when purchasing the property I was told that I must pay a service charge which covers a number of things including the…
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Floorplan "never made": is this even possible?
Hi everyone, Considering putting an offer on a property but the EA advised that a floorplan was never done. There are measurements of everything on the property listing (apart from the hallway) which totals 30 square meters. EA said that the flat's total floor space is 40 square meters. Surely the hallway that I saw wasn't…
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Estate agent making unreasonable demands?
Hi all I wonder if anyone would be able to advise or shed some light on this situation? My partner and I put an over asking price offer in on a property on Sunday, sent through our proof of deposit and mortgage in principle. They’ve asked for best and final offers by Wednesday. Now the estate agent has said: - our mortgage…
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Council buying a house?
I am aware that my local council have viewed a house that i am viewing this Thursday (though it was at least 2 weeks ago). The estate agent has said that if they put an offer in the vendor will accept it as long as it's close to the asking price. When I asked if it was likely the local council would put an offer in as it…
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Remortgage dilemma
Afternoon all, I have a really odd and very frustrating dilemma which I would really like to get some help on if anyone can help? I bought a house (buy to let) in the countryside as I cant afford to buy in London where I rent and work. At the time I was in a good job and I used my life savings to buy the house which needed…
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What happens after completion?
We got the keys of our flat in March and I thought all the documentation from the solicitor would follow shortly after. However, almost 6 months after completion, we have yet to receive all the paperwork (including the lease contract), indemnity policies and all the other documents. I must add that the solicitors firm we…
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Keeping money back - Property Sale
Hi, Hope someone could help. I am planning to sell my house for approx 80k, to fund a house move. I would like to put 60k towards the deposit of the new home and use remaining 20k to pay off some high interest debts, I have been stuck with for many years. If I was to keep back 20k from the sale, what implications should I…
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Offer made: when do I need to follow up?
Hi everyone, I made an offer yesterday via the EA online portal a few hours after viewing the property. The portal marked my offer as "incomplete" so followed up by phone this morning to check if it had gone through the system. EA rang back to say he would have passed the message to the vendor and get back to me. I have…
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Loft conversion
Hi, Looking for some advice - any help hugely appreciated! :) I'd like to have a loft conversion (with box dormer and ensuite bathroom) done in early 2019... Does anyone have any rough idea of potential costs/time frame for this?.. Also do architects simply draw up plans and hand them over to the contractor?.. I've seen…
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What would be the best way to invest my money
What would be the best way to invest £120k? I am due to receive that in a will soon. Basically my circumstances is I have bipolar so I’m not always guaranteed to be in work and if I am claiming benefits I know they have rules about investment money. At the moment I was thinking about buying a property outright living in it…
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impatient buyer
Hi All I need to blow of some steam!:eek: I have an impatient buyer who's demanding exchange this week or else! She offered on my house on June 9th and I offered on mine the following week. My buyers have a first time buyer to buy their home. My purchase is proving to be a little more complicated as buying a now vacant…
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Extending lease on flat
I own a leasehold flat - bought as an investment (but obviously not a great one) and advised by an IFA that I now know to be a complete shyster. ANYWAY! The lease on it is down to 71 years remaining. I wouldn't mind selling the flat now the prices have come back up to around what I bought it for and investing in something…
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Student accommodation
Hi all My sister is at uni and signed for this years rental house back in June. She has since decided to take a year out and so no longer wants the house, luckily she has found someone to take over the contract, I presume she will lose her deposit, the contract states she has to pay 50% retainer for July/August (But she…
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What invoice/document can i request after LA refund all my full deposit?
I want to end my case with this frustrating LA, Finally LA refund my full deposit, after 2 months arguing it. What kind of document I can request to end this case? Landlord reference check? Invoice of deposit payment?
