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Need help asap.
Good evening, I recently ended a tenancy but was unable to remove all of my possessions from the property before the moving out date due to financial difficulties. I am well aware that I am at fault for this and have offered to pay a weeks rent extra to cover the week until my stuff is able to be moved out. My ex landlord…
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Selling house, buying new one... 10% deposit?
Hello, i wonder if someone could help? We're in the process of selling our house and buying a new one. We've accepted an offer on our house and our offer on another house has been accepted (they have already moved out as well, handy) Mortgage is all sorted, they are happy once confirmed our sale deposit etc. One thing i'm…
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£100,000 deposit
my brother has saved £100,000 deposit. he wants to buy a £220k new build house. he is a first time buyer. would he get a mortgage? anything that would go against him?
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First Time Buyer status when on a discretionary trust
I just wanted to update this with my personal situation as I cannot find this information anywhere online. I’m listed on a trust for my mum’s house as a beneficiary. Which according to my stamp duty and help to buy ISA paperwork invalidates my First Time Buyer status. However, due to the fact the trust is "discretionary"…
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Shared responsibility for roofing repairs, when moving
Hello all, Set to complete a move in a couple of weeks time, have exchanged (well, live in Scotland so missives have been concluded) so just playing the waiting game now. The neighbouring landlord of my current property wants to complete some roofing repairs imminently, I learned today. They have just had tenants leave a…
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Buy now or wait till BREXIT
Simple question really, I'm holding off house hunting until BREXIT has occurred. I think there will be a massive house price crash? Or, maybe there won't be. First time buyer either way. Any thoughts? Should I just get a move on with it.
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How to find out who owns a piece of land
We have recently completed and moved in to our new home, its a small new build development of 14 houses in a semi-rural location. Now currently there is a lot of empty land/farm around the property, which is lovely. The developer mentioned that although most of this land could at some point be built on there is a small…
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Discrepancy between freehold and leasehold plans
Hi, I am buying my first property and could do with some advice regarding an issue I have come across. The house i am buying used to be a leasehold, but the leasehold owner prior to the current owners bought the freehold but without merging them, and therefore owned the freehold and the leasehold to the property. I have…
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Leaseholder rights?
Hello all, I'm after a bit of advice really. I've been in my flat for two years nearly now and the managing agent is absolutely abysmal (Gateway Property Management). Although I'm paying £1,300 per year service charge, nothing much gets done - I've got emails showing I asked for a bulb in the corridor to be changed last…
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The best saving option
Hi, I am a first time buyer and I’m looking to open an ISA or LISA. However, I may be going into a mortgage with my in-laws. Would I save more for my own deposite on a house when I come to get my own place by paying into the mortgage or would I be better off getting an ISA which the government pay 25%?
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Home Buyers protection Insurance
Hello there, I submitted my mortgage application couple of weeks back and I missed out on buying a home buyer's protection Insurance then. Most of the providers imply that the insurance has to be bought within 7 days of applying for a mortgage. Can you please suggest some company/provider who will be able to provide an…
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1st Time Buyer
We are going to be looking to be buying our 1st home later on in the year. Should have about 12k deposit to start with. Where is the best place to start looking for mortgage advice? broker or banks or somewhere else?
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Amending house ownership without solicitor?
Is it possible to DIY adding your adult son to property/land ownership without a solicitor? This isn’t directly affecting me, but I’m concerned about how it’s been done. Many years ago, my grandparents gave my uncle 1/3 share in their land & property. It has since transpired that this was only done via land registry (I…
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1st Time Buyer Deposit
Hi all I have a question with ref my deposit I am a first time buyer and gained my deposit rather fast. I got my 25k Deposit with in 6 months. Will this be a problem? I had two boats one i sold for 11k and the other for 2k. How do i prove that is where i got the money from.? The 11k was bank transferd. The 2k Was cash. I…
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New Build Brickwork
Hi All! Currently in the process of buying a new build property, the roof isn’t on yet but there has been some progress build wise We went down to look at the house today as it’s easily seen from a public footpath, we did see however that the brick of our Garage to the rear of the house is different to our house brick.…
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Being bought out of Joint Share Mortgage
Hi, Need some advice. Recently separated from my wife, having only purchased a new property together a few months ago. My ex wife will be in a position to buy out my share of the equity and bring the mortgage down to an affordable level. Currently I pay the mortgage in full myself (despite not living there), and I have…
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Evicting a Tenant
Hi Friendly people, Tenant has not really paid much for 6 months, and has been behind with rents for 14 months now. I have got a Possession Order. Done through a useless solicitor who forgot to tell me he was off work till 2/1/19. So I've still not seen the PO. I expect the Tenant has had it. The Date to Leave is 3/1/19.…
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How big of a deal is this? Asbestos in structures to be removed
I've had the survey back on the property I'm trying to buy, and it notes likely asbestos in a couple of places. Most of them I'm not concerned about, as I'm not planning any works in those areas, but two do worry me: The boiler flu in the kitchen, and the small front porch (approx 1mx1m). I'd like to completely remove both…
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Stuck with a mortgage
When I was 14 my mother decided to take out a mortgage after a guy knocked on the door and persuaded her to do it. I was against it because even at 14, my mother had 4 children (me being the youngest and one with a learning disability) and did not have a job. (She did not work because she is dyslexic which has affected her…
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Bills being capped if you are renting to students
Just a quick question, was talking to someone tonight they were saying that if you were a landlord with tenants that were students, the gas, electric and water would be capped at a certain amount???? Also they were saying that the same can be done if you have 3 under 18 living in a home? Anyone else heard this?? Many thanks
