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Credit to fund House Deposit & Mortgage
Hello Money Saving Expert Forums, I am a 24 year old looking to get my feet on the housing ladder. I've been saving from January this year and have put away about £7k (mostly in a Lifetime ISA and some invested in a Vanguard Index fund). My Company is moving my office to Manchester in the next 6 weeks and rather than rent…
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"The next step..." Self build advice.
Hi all, Was hoping someone can shed some light on what my next step should be in regards to building a small house for myself. Basically i'm in my twenties, struggling to find a house I can afford and my parents have offered my enough land on their garden for me to build a house. So far we have measured out the land, done…
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Shred Boundary hedge / fence?
We have been living at our property for over 9 years. The front garden/drive of our house backs onto the back garden of another house. Although there is a substantial hedge (about 7ft high and 20 meters high running along this boundary). We have been cutting the top of this hedge (the whole width of the top of the hedge…
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POF after signing tenancy agreement
Hello everyone, I just signed the tenancy agreement for a 1 bed flat and because I am not employed at this moment, I decided to make a 12 months rent payment up front (£8100/ £675/m). The customer experience with the EA was horrible and I was constantly rushed to sign and pay for everything as soon as possible otherwise…
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Selling - electrical work
We are selling our 2014-built house, and I am completing the TA6 Property Information Form. Question 12.2 asks if the property has been rewired, or had any electrical installation work carried out. So, over the 4 years we've been here, I have done a few minor things myself (nothing complicated, just things such as spurred…
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Dispute with Tenancy Deposit Amounts
Hi everybody, I was hoping for some quick advice in regards to some disputes I am having with my real estate agent in regards to our tenancy deposit. The first issue, which is quite unusual, one of the inside glass panes of a double pane window in our lounge room crack spontaneously in the middle of the night (I have…
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Looking to buy my first property?
I saved up a lot over the last few years to buy myself a new car to which became reality towards the end of 2017, and for my next big buy, I've always said I'd love to be on the property ladder. A bit earlier than I'd planned, but there's a very nice apartment that's become available quite close to me that I'd like to view…
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Help to Buy ISA
Hi, I have just recently purchased a house and made the mistake of not including the Help to Buy ISA as part of the deposit, despite closing the account. Is there a way of claiming it retrospively? Thanks.
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Flat leaking for 4 months: Ombudsman?
Hello all. A friend of mine told me today that the association he rents his accommodation from has had water leaks since April and even though they provided him with alternative accommodation 8 weeks ago, he has not been allowed in to collect his belongings which are still there and ruined by damp. My question is is there…
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Moving out of Rental after 8.5 yrs
Hi There, I wonder if you can help me? My partner and I have lived in our rented (through Agent) property for 8.5 yrs and we are soon to be buying our first home. We have the inventory from 8.5 yrs ago on our rented property. However. 18 months ago, our landlord sold the property to an investor and the agent didn't come…
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Disputing inventory that was not signed by the lead tenant
A £2000 joint tenancy (5 tenants) deposit is currently in dispute with the tenancy deposit scheme and I am currently in the process of submitting evidence over the dispute. The dispute is basically regarding cleaning and redecorating fee's which we are disputing as the house was a much bigger mess when we moved in than it…
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Private purchases and cash deposits
Wondering if anybody can help. Our house is on the market but not sold yet. We have done the wrong thing and have found the house that we want to buy but obviously not in a position to make a firm offer. The purchase is likely to be private purchase without agents as we know the people selling and have been to view without…
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Enquiries raised about Conservatory
Hi, We are selling our house and have received a couple of queries about our conservatory. This is a conservatory that was built by the previous owners, so before 2006. One question is “the walls are substantially glazed”. What does this mean? The side walls are brick, the front is French doors and windows. Another…
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My landlord is refusing to replace a 22 year old washing machine
Hi All, This is my first post so please let me know if I'm in the wrong place. I have been living in my rented flat since February my landlord lives below me at the property, our washing machine broke just over a month ago and the landlord is trying to say that we need to buy a new washing machine as she believes we have…
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Prescribed information
There's a space on the prescribed info form for details of the circumstances when the landlord may retain part or all of the deposit. That has been filled in saying see clause XXX which in turn says: "The Deposit is held as security for the performance of the Tenant's obligations under this agreement and to compensate the…
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Letting Agent Rip Off?
Hi everyone, I'm going through the horrible process of trying to move property in London (from one rented, to another rented property in the same area). My contract ends in March so I informed my current Landlord and agent that I'd like to move out prematurely, and am happy to find a new tenant. This was all fine but -…
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Complaint against solicitors and house purchase searches
Hi I am in the process of putting in a complaint against a solicitors I used to purchase a house, which fell through just before exchange. Their lack of general care and attention was frustrating plus when I asked for them to continue with my house purchase (same house as before) three weeks later (I resold my house) they…
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Management company in the lease stating we aren't able to rent out the property - Advice needed
Hi, We are interested in a flat for sale that seems fairly too good to be true for the area and price. I rang the EA today to arrange a viewing and she told me that there is a clause in the lease that doesn't allow the flat in question to be rented. Obviously this is going to exclude potential landlords from viewing the…
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Estate Agent - is this normal?
My partner and I have recently started viewing houses. We have a mortgage in principal, an offer on our current property, and are happy with our current mortgage broker and solicitor. Most of the EAs we've arranged viewings with have asked a few questions about our current position (obviously i'm fine with this) and have…
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Advice on whether i should by a mortgage..
Hi all, newbie here looking for some advice. Me and my partner are looking to buy our first home together, currently both living with our parents. We've saved up a really good deposit along with inheritance money. However we are both wanting to go travelling in three years time as we are currently committed to projects…
