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Arranging utilities
Hi All, I am hoping to exchange contacts on my first property purchase this week. One thing I am not sure about is arranging utilities. At what point can I start arranging electricity, water etc? Do I have to use the current vendors supplier or can I shop around? Will the vendor's contract be cancelled when they leave or…
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Share of freehold not transferred
6 months after completion we are still waiting for the freehold to be transferred in our names. This is a converted flat (2 flats in total, both sold simultaneously) with a new 999 year lease (already showing on the Land Registry website). I spoke to the solicitor and they said they are waiting for the transfer from the…
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Hes a 'borrower' does he have interest in the property?
my partner is listed as a borrower on a loan that was taken out to pay off his fathers mortgage. my partner has paid towards this loan, this loan is now paid off. we tried for a decision in principle with him as a first time buyer but the credit check came back that he was a mortgage payer. Land registry say he isn't on…
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Open Market Shared Equity Scheme
Does it require a credit check? Its designed/eligible for disabled people so can they get housing benefit for these properties?
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Ground Rent increases every 21 years. HELP
Hi, I am very new to moneysavingexpert forums, so Hi! 👋 I need some advice. I am a first time single buyer looking to purchase a flat down south (Basingstoke) and I have gone through the whole process. Fell head over heels for a flat for £195k in a great location but the lease (109yrs) is owned by Taylor Wimpey, who have…
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Birmingham conveyancing recommendations
We are purchasing a house in Solihull and we currently live in the jewellery quarter of Birmingham. We have been offered O'Neills Patient via London & Company (brokers) but have been advised not to use them as reviews mention they are slow and it would be best to find a local solicitor we can visit in person. We've had…
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What do you consider an acceptable amount to offer below the asking price?
Hello Experts, We looking to buy a house and could not find anything we like within our budget. There is a property we like which well over budget (£550K) so my question is can I offer £50K less then the asking price? What is the current market trend? Is the house price dropping after the interest rate hike? Area:…
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New Home compensation
Not a run of the mill problem here!! Bought a new home just over a year ago on a brand new estate with a major housebuilding company. Now huge problems with the foundations which have moved considerably, this has resulted in them having to cut of the gas supply to the house. The building company have told us we will have…
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Bought a house off plan?
Anyone want to join me in the wait for their new build?! We have bought a house off plan and have the completion date of 21-31st December! Fully aware this can change however! At the min the foundations are not even laid and the plot is just being cleared ready...
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Letting Agent Threatening Extra Charges If We Claim via DPS
Hello everyone, This is my first time posting to MSE, long time reader! My partner and I are in a little bit of a pickle. We recently moved out of our 2 bed flat in London and are having to dispute a few things on our deposit. I'd like some advice on a few things. As the property was professionally cleaned, and repainted…
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Primary residence previously BTL
I bought a house in 2007 which was rented out until May 2016, I then moved in and it became my primary residence. If I sell am I liable for CGT? Thanks
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Falsely accused of fly tipping
Sorry if this is not the right place not sure where else to put it?? I came home tonight to a letter asking me to attend a interview under caution regarding fly tipping 10 months ago. I am totally perplexed but also worried sick hence writing this at silly o’clock. We have always taken our rubbish to the dump, had it…
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Home buyers report advice plz
Hi All We have just received our Home buyers report which requires immediate attention and are serious to be repaired urgently. I am not sure how much this would cost as we are FTB. The surveyor has undervalued the house by £5000 (£175k agreed price) but the bank surveyor has valued it for £175000. Roof coverings - sloping…
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Staircasing 100% assigned lease of shared ownership SDLT??
Hello All, I have done my best in resolving this within the HRMC guides but I still have some doubts. This is my case and I would like to have some advice if anyone can give it. In 2014 I bought a shared ownership share resale of 25% for 75000 (market value 300K) at the same time I staircased 35% more for 105000, bringing…
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tenancy changes
Hi all this is my 1st post and looking for some advice we are tenants in a privately rented house our original contract was a 6 month AST starting mid sept 2013 just before the 1st 6 months had expired our LL renewed our tenancy with a 12 month AST from mid March 2014 since then we have had no renewals its just kept…
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When can I tell the seller she needs to move
So I’ve chased my solicitor and the council all week to get the leasehold management pack, got it sent today to the solicitors. I paid my solicitor the completion fee and he said it will be completed tomorrow. However I phoned the estate agents to let them know, they told me yes it can be completed but the seller won’t be…
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SDLT - Will it Apply?
Good evening, We had our first meeting with our mortgage broker this afternoon. We are looking to purchase a shared ownership property and will be making the formal offer very soon (waiting on docs to arrive with us in the post). The property has a market value of £310,000 and we are looking to purchase 60%, for £186,000.…
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Final Charging Order - questions before payment- Urgent
** Was suggested this was the appropriate part of the forum to place it it- I hope so** My ex- Landlord lied about placing my deposit in a protection scheme so I took them to court and was awarded £1725. He did not pay this money demanded from the court order even when bailiffs went around so I got a Final charging order…
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Advice on previous flooding in house we want to buy!! Would you do it?
Hi there, My partner and I are first-time buyers and we have almost got to the end of the buying process.. Potential to move in 2-4 weeks! Anyway, we received the searches on Tuesday this week (2 days ago) and have found out that the house is at moderate risk of surface water flooding. This itself I have come to terms with…
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Should I accept my mortgage before the results of my full survey?
Just looking for a bit of advice with regards to accepting my full mortgage offer or to wait. As a bit of background.... I have accepted my agreement in principle. Then atom bank sent somebody out to do their valuation on Monday! The results of this came back on Tuesday, which essentially said it was worth what we were…
