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smart meter?
Hi All, Not sure if there is a more relevant board for this post, apologies if so. I've recently moved and so have inherited a new energy provider. I'm now with SSE. They are being very pro active in me having a smart meter for both my gas and electricity. I'm wondering what the benefits are for me as the customer, except…
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First time buyers what to offer?
Hi all, Not sure if this is posted in the right thread or not but I am looking for some advice regarding an offer I want to put in for my first house. We have found the perfect property for us location wise, although there will be some cosmetic work that needs doing and although the bathrooms are ok they will need re doing…
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Council Flat: Cash or Mortgage?
Ive been a council tenant for almost 15 years in one of the London boroughs In 2015, I applied for buy my 1 bedroom flat and after assessment& valuation the council came to the following conclusion. Market Value at the relevant time: £120,000 Less discount £72,000 Purchase Price £48,000 at that time my discount entitlement…
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28 days after MOS to exchange. I'm worried. Advice needed.
Hey guys first timer buyer here and it's a shared ownership property. Now I received my MOS on 25th October and my mortgage broker applied for my mortgage on the 1st of November with leeds building society. Now valuation still ain't booked and I've instructed my solicitor but she hasn't started anything because she needs…
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Party wall notice before buying house
We are in the process of buying a house and want to do am extension / loft conversion as soon as we complete (to minimise the time in rented accommodation between houses) but I gather you need to send the party wall notice at least 2 months before starting work... We can apply for planning permission before we technically…
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Help to Buy
Hey, So I got a shared ownership house and used a HTB ISA to do this... Since then things went wrong and my then partner split up and we had to sell the house and I moved into rented... My question is... am I able to use any kind of HTB again? As I don't now own a house so am a first-time buyer even though I have had a…
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Advice Please for child named on title register
Hello, this is my first thread, I was anticipating that someone could please give me some advice, when I was very young my parents purchased a small property, that I could have when I turned 18. I am not a registered owner, but there is restriction that there is to be no disposition after my 18th birthday without me giving…
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Reactivating Power Reserved
My father named me and my brother as joint executors. My brother registered only himself with me as power reserved. i was unaware of this at the time. My father died 5 years ago and i have not felt able to deal with my brother until now All my fathers assets have been dealt with except a property that was left jointly to…
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Landlords insurance and gurantor
A relative was talking about his rental property and getting landlords insurance to cover legal fees and rent guarantee. His property is let out to someone on benefits and they had a guarantor. My friend will only get paid half the rent if the tenant defaults. So, if he was to kick out via legal means the low life that is…
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Main residence CGT?
Hi, Hoping there's someone who can help us here. We have lived in our current property (only property) for 5 years and are planning shortly on travelling around the world for 2 years and renting our home out during our travels. Once we have finished we currently plan on returning and selling our property. Currently the…
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Jitters!!
So a house we quite like the look of has a history that concerns me ..... am I right to be concerned Been on the Market since May 2018 They bought it in October 2017 Previous owners bought it in 2016 Would you run a mile? I feel like I should, not viewed inside, but pics look great and had a walk around the area and feels…
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Natwest Mortgage Tracker down?
Hi, Is the Natwest mortgage tracker down for anyone else? I try to log in, and get an error. Thanks
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Advice on what to offer
Hello all, My partner & I are considering making an offer on the below property, & hoped some of you might be able to offer advice on how much to offer (& whether we are missing any glaring problems!). We are first time buyers with a mortgage Agreement in Principle. We have £24k saved for deposit, fees & work to do, & the…
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Restrictive Covenants
Is there a quick way of viewing these from HM Land Registry?
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Additional solicitor charge query
Hi, I am a first-time buyer in the process of buying a property. I have received a letter from my solicitor and it states they are going to add the sum of £100 to my completion statement for acting on behalf of my mortgage company. If this is the case, I would have expected the charge of £100 to be in the original quote. I…
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Homeserve kind of cover for landlord
Hi Experts, Any recommendations on which cover to go for a house I am renting out. Is it worth letting tenants buy the cover and reimbursing them so they can sort out any issues themselves, I will only be playing middle man anyway. regards, Palmist
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Letting go of EA
Hi Experts, I rented out a property via EA earlier this year. We paid EA £400+ in fees to find a tenant and agreed on a 10% off rent as management fees. The tenants have been in property for 6 months and are decent, they have looked after the house and we get on well. There has been one problem with kitchen extractor for…
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Stamp duty and staircasing
Hi I’m planning to staircase too 100%. I’ve already staircases to 75% so never had to pay the stamp duty before as I opted to pay the stamp duty in stages. I’ve looked at the gov.uk examples to calculate what I would pay but I wanted to check if anyone is clear about the additional tax calculation. I just want to make sure…
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Letting to rent - is it such a bad idea??
I had originally planned to buy a second property to live in but am having second thoughts due to all the changes in stamp duty and tax. I own one property with a mortgage and its let out directly to a tenant who doesnt give me too much trouble and looks after it. I have asked and she will stay there as long as possible.…
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Rented house flooded, need advice please?
We've rented a house for past 5.5years and has been relatively easy, always paid on time, and tried to resolve any issues ourselves, landlord ok just odd job man and every task takes weeks opposed to days, and buys cheapest of everything possible. Anyhow, the issue is I came home on Wednesday to a burst pipe to basin in…
