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Declaration of trust in negative equity sale
I have searched the internet high and low for help with this question and to no avail, so hopefully I can find some help on here: Me and my ex have recently split and after lots of back and forth arguing she is now adamant she wants to sell. We have a tenants in common mortgage with a declaration of trust. She put £40k as…
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Boiler - no thermostat
After our recent Gas inspection - the engineer recommended that we have a thermostat fitted as currently its just a timer. We have asked our LA to ask the Landlord, anyone have a rough idea of costs ? Combi boiler.
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House Buying - Searches
Hi, I'm currently in the process of buying a house and have just spoken with my solicitor regarding searches They have informed me the property is going to be within 200m of a proposed light railway line. Now I've not even seen any plans for this. The solicitor have informed me they have informed the lender and the…
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Share of freehold
If buying a maisonette with share of freehold how does this work regarding maintenance.? Is it each one is responsible for their own maintenance and repair? E. G upstairs owners should be responsible for the roof repair or do they share expenses. The above info is taken from the ea website. Thanks Leasehold information as…
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Confusion of rental leaving date
We rented a house and the landlord put the house up for sale. Despite there being nothing to allow the endless people visiting in the contract we put up with it, albeit unwillingly. The contract states" Either party to serve notice on the rental date." which is the 26th and I spoke to the Letting agent who explained that…
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Was I Dreaming
About 16-17 years ago when I lived with my parents the company I worked for then had reps that worked around the country and would have to stay at hotels when they visited head office. I was looking at buying a place near head office and was told that there was a scheme if I brought a place with a additional bedrooms the…
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Gifting house to child
I have just read it is possible for a parent to gift their house to their child in return for the following potential benefits: 1. Avoiding the property being used for means-testing if care is required 2. Avoiding inheritance tax if gifted over 7 years before death The property in question is worth 300,000, and my Mum has…
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Buying a apartment
Hi So an apartment has come up for sale in the area which I want to live in with my girlfriend. Originally we where looking for a house. However the type of houses in our budget in this area are old terrace houses. So anyway I noticed this apartment that has come up. It is with in our budget. It's also in an excellent…
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Leasehold in London: What do you think of this ground rent clause?
Hi all, I regularly visit this forum to get financial advice, so I would like to thank everyone for the help over the years!This is the first time I have posted a question; one which will hopefully be useful for others too. We're first time buyers, looking to buy in London. We put in an offer on a flat, which has been…
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First time buyer, planning a CSL
Hi all I am looking to buy a property preferably in the new year, however depending on the Brexit uncertainty it will be at some point next year. Now I would like to get a residential mortgage on the basis that I can not get a buy to let as a first mortgage. I would live in the home for 6-12 months, then approach my lender…
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How long should it take to instruct solicitor when selling?
After having an offer accepted, how long is reasonable to wait for the seller to instruct their solicitor? Days, weeks, a month? Or, to put it another way: at what point would you suspect that your seller is not really ready to sell?
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Credit cards and mortgages
Due to being oldish and having had previous debt which was all cleared without CCJs etc, between me and my husband we have credit cards with credit availability of nearly £100,000. Some of these cards we've had for yonks (30 years one of them). With regards to getting a mortgage, should we close some, keep them ticking…
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FTB. Add extra money to pot or clear 0% credit card debt?
I wanted to know what would make me look for favourable to mortgage lenders. Clear my 5.5k 0% (til Aug 2020) credit card debts or just add any additional savings to savings pot? My combined credit limit is 22k (4x cards). I also read about closing the newest credit cards down also because I am worried they would think…
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House for rent?
Hi, Any house for rent near Toronto?
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Second home or not question
Hi all My fianc! owns two properties, both rented out. He moved in with me in December 2016, rented out his former home along with a buy to let property he owns. We are now looking to buy a property together, selling the one we both live in which is in my name only. His name is on the council tax bill plus various other…
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Missing building regs
I am in the process of buying a converted flat. The conversion of the building into flats was in 1989. The seller has no building regs consent documents. The local authority only have computerised details on consents dating back to 1999. My solicitor has referred this back to my lender (Nationwide) & we await their…
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Royal Mail have lost rented house keys!
ROYAL MAIL HAVE LOST KEYS IN POST Hi All, My partner and I have recently bought our first home together. We were in rented accommodation prior and due to where our EA are based, they asked me to send the keys back to them via recorded post which i did on 27/10/2018. I have been checking the tracking status since Monday as…
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Difficult Landlord.
Hi, We're having a bit of trouble with our landlord, so I wanted to get some advice on where we stand currently and what we can push on. - I've lived at the property (with 3 others) since August 2017, over which time we have been on an AST agreement. Each of the agreements has lasted for 6 months and then renewed with…
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New build - Ceiling and wall cracks/board lines
Been in my persimmon home for 2 years now, but quite recently I have noticed in pretty much every room I have had to fix 5+ popped screw heads. As well as this I am noticing a lot of cracks and board lines (I think thats what they are) on my walls and ceilings in many locations. Just sent them an email about this, but…
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Buyer seeking building control documents
I have had some survey queries from my buyer, that I'm unsure how to handle. I bought the house in 2006 and I've done no significant work to the property since. They are requesting: * Building Regulation Consent: for the removal of a section of the partition wall between the dining room and living room. They are asking for…
