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Landlord v Agency v Tenant
Hi all, I've been in a battle with our property manager/landlord for a few months now. We moved into a new flat 3 months ago, and couldn't stay for the first 11 nights as the place was moth infested and needed new flooring throughout. There were other issues too, and the place wasn't fit to live in. We stayed in an Air BNB…
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Selling a shared ownership flat
We are starting the process of selling a shared ownership flat in London. The housing association is allowed 8 weeks to try and sell it. They have told us that the marketing fee for this is £1500 plus vat. I am wondering if this is a reasonable cost especially as we have been told it is NOT on a no sale no fee basis. So if…
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2nd joint mortgage after divorce
I own a property outright where I live with my children. Following a divorce I have the property for 10 yrs & then must pay my ex husband 40%. I now have a new partner wanting to get on the property ladder. His plan is to buy a flat & live there for 2 yrs then rent it out. This would mean my children's hse wouldn't be at…
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Property with sibling
I own a BTL property with my sibling. He is abroad in another country and I have to manage the property on his behalf. We own it outright. Our parents bought us the property but now I want to either keep it completely or sell it to my sibling. I know for fact that he doesn't have the money to buy it, and I am afraid that…
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Stamp Duty on Shared Owned property
Hi all, I was wondering if anyone could answer my question. We are planning to onto property ladder and we found a new build flat in London for £507k. The share we are buying would be 50%. Can you tell me how the duty stamp works in that case as the property full value is more than £500k. would it be worth to negotiate and…
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Mail redirection
Hi, Does anyone have any experience of redirecting mail for a business name to a new address please? We are moving and have just set up mail redirection for myself and my wife to our new property. I work from home and occasionally receive mail addressed to my trading name at the house, looking at the online application…
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Charge registered to a property by a bank
Hi, I wonder if anybody could clarify what it means when a bank registers a charge to a property, does it mean: - the bank is protecting finance in case the registered owner defaults, or goes bankrupt, or has bad credit? - the registered owner's civil partner is seeking company insolvency (business listed at that property)…
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Solicitors and reasonable timeframes
Before I picked the firm I was dealing with someone from marketing. She replied to my emails within a day, which was great. After I emailed to say I’d like to instruct them, I was assigned a case handler and told to direct all questions to him. I don’t think he’s a solicitor but I’ve read that a lot of conveyancing is done…
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Is mould on bath sealant wear and tear?
So my old landlord is being difficult with my deposit but we're not entirely free from fault so I'm unsure what to do and need some advice. My girlfriend and I stayed in that flat for 6 years and the LL never once done any maintenence work unless it was absolutely necessary. Like our fire alarm kept going off randomly at…
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Letting agent not paying in December
This year is the first time I have used an agent, I recently received an email to say they are shutting there office on the 21st and will not be back open until the 2nd January 2019. In the email they say they wont be making any payments after the 21st, they pay me on the 25th so this will mean that I will not received a…
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Bought new flat, boiler broken and other minor issues
I'm a FTB and been very confused with the whole process from start to finish so my apologies if my questions are stupid. I picked up the keys on Monday, packed and moved most of our stuff in on Tuesday to find the boiler doesn't work. The vendors friend done all the flat viewings with us and said we could contact her if…
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Redeem mortgage before completion?
Hi, We exchanged on our house purchase last week and are completing on 17th December. We have a mortgage on the house we are selling and are taking out a new, larger, mortgage on the house we are buying, with the same lender (ybs). We can afford to redeem our current mortgage entirely now (and would not be liable for any…
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Redeem mortgage before completion?
Hi, We exchanged on our house purchase last week and are completing on 17th December. We have a mortgage on the house we are selling and are taking out a new, larger, mortgage on the house we are buying, with the same lender (ybs). We can afford to redeem our current mortgage entirely now (and would not be liable for any…
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Planning Condition to stop up a highway. How?
Buying a vacant commercial premises with planning to convert to residential. Feeling overwhelmed with the steep learning curve and would appreciate some help please. One of the conditions is that the small lay by which the business adjoins is 'stopped up' to provide a parking space for the property. Planning have been no…
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Extending a Lease
I own a BTL flat with 92 years remaining on the lease. I am very happy with it and have no intentions to sell in the near future. I understand that I will have to extend the lease and this will have to be done before the lease drops to 80 years and incurs the marriage charge. My thoughts when I bought the flat were to…
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Landlord's duty if any.
CAB says that a LL doesn't have to provide emergency accommodation in the event of the property being unhabitable (flooding) or even pay for the accommodation or even reduce the rent of the existing property. I'm assuming CAB are correct on this? Daughter may have to move out for emergency repairs due to bulge in lounge…
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Can I get a high street mortgage with CCJ’s, Defaults?
Hi everyone, Anyone know if I could get a high street mortgage when I have 2 ccj’s ( both £500, 1 paid, one not, both 18 months old) and 5 defaults ranging from 18 months to 5 years I’m age. Salary is 24k from January with the same company and property is £150k. Can provide 20% deposit. Thanks
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Selling a Spanish Property
Hello We are looking to sell a Spanish Property (value 290K euro) that was owned by my wife's mother and her recently deceased husband. We had to repatriate them both in January of this year quickly as her husband was diagnosed with terminal cancer. They had lived over there for 18 years, both had made Spanish Wills…
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Selling/buying chain free vs in a chain
Hi all, I'm just after some points of view with regards to selling/buying chain free vs being part of a chain. For some background: Currently own house and will be 3yrs 6mths into our 5 year fixed mortgage deal when we sell next year. Our year 3 mortgage statement said that the ERC would be just over £2k. The main aim is…
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Offers Over advice
Hi all, Looking for some advice! We live in the South East of England where house prices are notoriously high, and not many are within our budget. Last week a property appeared that was incredibly cheap. It's a 2 bed ground floor semi rural maisonette, almost 850 square feet, huge private garden, 2 huge storage rooms and…
