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1st time buyer advice
Hi wanted to run my high level theory on buying my first flat by people. Im 44 and have now saved about 100K - im on a good wage in London, and im hoping to buy somewhere for around 400K - mortgage payments wont be to dis-similar to my rent. Never really thought i'd be in a posistion to ever do this. My thinking behind it…
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Moving to London - renting advice
I have a new job in London based in Canary Wharf. Looking for a 1 bedroom flat/studio (yes, it will take up a lot of my wages but I can afford it - I might share in future once I get to know people). Any suggestions on what areas to look at (and avoid)? At the moment thinking: Lewisham/Deptford/Greenwich Isle of Dogs…
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Insurance for a House
Hi I am in the process of buying a house with my girlfriend and I was just wondering when the best time is to get contents and Buildings insurance as i don't think its a good idea to do it on the day of moving as we will have so much going on? Thank You
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Mortgage Broker
Afternoon all. Could anyone please recommend a mortgage broker in the Bristol area who doesn’t charge the home buyer a fee? Cheers
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95% LTV Mortgage
Afternoon all. Could anyone recommend a 95% LTV mortgage provider? Cheers
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House Build Costs
Hi could anyone please give me an idea of build costs for a two bed end of terrace. Nothing fancy. Site doesn’t need clearing. In the South East. ( excluding cost of building plot) Thanks
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Buying a house with 18 year old boiler - renegotiate price?
We've had an offer accepted on a house that we love, at the top end of our budget. In the process of getting the survey done and cross checking with the sellers questionnaire, we now know the boiler and heating system is nearly 20 years old. I don't know at the moment what make the boiler is, nor the type - I can ask the…
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Opinion on buying a new house with rental property already owned
I'm currently living with my parents but have had a house nearby on rent since 2011. I'm now looking to buy myself a property. I'm heavily leaning towards purchasing a house. If I keep the first house as is I'll have to pay the 3% surcharge on the new property. If I sell up and then buy, not only do I not have this…
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Renting: Ceiling collapse, temporary accommodation costs while repair work is performed
Hello, Summary Rented accomodation requires major repairs due to lack of maintenance. Landlord is refusing to rehouse us while repair work is carried out, is instead attempting to throw us out (without proper notice), please advise: Background We have lived in a property for a number of years. We have the 2nd floor of a 2…
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Boundary & Parking Dispute
I have recently purchased a cottage which is semi detached, it used to be part of one building, but it was split in to 2 cottages. There is a large gravelled parking area directly outside my property. Fences have been erected on either side and the gravel drive extends to the public highway. A small parcel of land was…
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Bare Trust vs Declaration of Trust
Hi all, I've had a look on the forums but can't find one that seems to answer my question. I do apologise if this has already been answered. My husband owns a buy to let property (mortgaged) - the deposit was put down by him, he's on the title deeds and mortgage. However it is "his brother's property" (long story short his…
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Shared Ownership Rent Increases ... Opinions of those in the scheme?
How do people find the rent increases? How do they fair vs people private renting etc? Thanks for all opinions :cool:
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Tenant in an annexe, council issues
Hi there The situation: We rent a house which is an annexe of our LL's house. It is fully separated, but we have just found out, it has not been rated as a separate dwelling. Council tax is included in rent. LL had an arguement with his neighbour and he contacted the council supposing someone lives in LL's annexe. We have…
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Selling Shared Ownership Property - Now What?
Looking for some advice re. saving for a deposit after selling a share of a property. Three years ago I was lucky enough to purchase a 30% share of a shared ownership properly with my best friend. She fronted the full deposit but we got a shared mortage so have been paying that equally. We are coming to the point that we…
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Issue with neighbours and plumbing
Hi everyone, I'm new so if this is in the wrong place please let me know! I'm looking for some advice on behalf of my Mum. She owns a semi-detached property (Scotland) and we're having some bother with the neighbours and the plumbing, apologies in advance for the long post. My Mum and late Father bought the house about 25…
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Question re "unsuitable security"
I have applied for mortgage from Nationwide through a broker. Our application was agreed: Nationwide performed the survey/valuation, and came back with the following: Should I be worried that another provider may also reject us on the same grounds? The property is in a desirable location, its on the first floor but not…
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Splitting title deed/land
Hi guys :) I searched and seen a few threads on this subject but none of them answered my question directly (or they were a bit too old) so here goes... I'm thinking about buying a house with my partner and that has a very large rear garden and splitting it so we can build on the land to the rear. I'm just wondering what…
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Council Tax for 2 single tenants plus utilities/tv licence
Hi, I’m asking on behalf of my partner whom has found herself in a bit of a pickle. She has lived in a rental property from a private landlord for the last 7 years and pays rent directly to the landlord, with the utilities and council tax paid by my partner directly to the relevant companies/council. A couple of years ago…
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Question RE: Property with Low potential for natural ground subsidence
We're in the process of purchasing a 3-bed terraced late Victorian property and have just had our searches returned and the solicitor's "report on title" document states the following: "You will see that the search has highlighted a potential risk of 'Natural Ground Subsidence' which you should refer to your surveyor."…
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Living in Nantwich
Hi, I’m looking at relocating to Nantwich from north Cheshire and wondered if anyone had any recommendations for Nice areas, I would also consider just outside Nantwich itself. My key considerations are being in a safe, friendly area but with enough local amenities - somewhere to grab coffee, pub, bite to eat few shops…
