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Joint ownership - both first time buyers - unmarried couple
Hi all, I've tried searching through the forum to find an answer to this but no luck, so hopefully someone can help. My girlfriend and I are looking to buy a property towards the end of the year. We are both first-time buyers, with a budget of up to £450k (though more likely £400k at most if possible). Individually we…
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New build has freehold AND leasehold?
I'm looking at a New Build property to buy. The house itself it detached and has a garden, all of which are freehold. At the end of the garden is a coach house where the garage is located. The garage is leasehold for 125 years, guaranteed price not to raise for 25 of those years, about £170pa. I cannot buy the house…
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Conveyancing solicitor recommendations near Gravesend Kent
Hi We are first time buyers and have just had an offer accepted so looking for a solicitor. After reading recommendations, I'm not sure we want to go with the one our Broker advised. Can anyone recommend any? We are buying around Gravesend Thanks
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Solicitor communication
Hello.... just a quick question about solicitors. I am a first time buyer, currently in rented purchasing an empty (ex rental) property (no probate), so there is no chain. All searches complete and mortgage offer received by solicitor. However, my solicitor is giving me no idea at all as to even a "ball park" date. I asked…
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Developer said their help to buy scheme is about to expire?
Hi everyone, My husband and I are trying to get a house in London under Help to Buy - Equity Loan scheme. We've actually found a property that we both like, but now the agent told us that the developer's help to buy scheme is going to due on 16th of March, and wishes us to finish all the purchase procedures by 15th of…
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First house visit
Hi all, Looking for any advice or experiences on this. Our new build is currently under construction. We took a drive past and it looks like the roof is on (or in the process of being put on :j). We've been invited to have the first site visit to the new house but i wanted to know if people think there are any specific…
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Homebuyer's Report: everything 2s except for only one 1
Hi everyone, We are in the process of buying a 2004, three-storey terraced house in the East Midlands. We believe we made a good offer (below asking price). Mortgage's valuation went through and just received our independent Homebuyer Survey. I am trying to get hold of the surveyor to better understand the report. However,…
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London solicitor for document certification?
This is related to a mortgage, because my onveyancer (based on Yorkshire) requires a solicitor to certify a copy of my passport + proof of address. However, I have contacted 6 solicitor firms so far today and none offer the service. Could anybody suggest a firm? This forum was the only place I could think to ask!
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Integrated fridge freezer
We are buying a new build and to have an integrated fridge freezer it's an extra grand. Obviously a similar free standing one without being integrated is only around £300 and money is tight. What I'm wondering is will it look silly compared to the rest of the integrated kitchen by just having a random fridge on the end?…
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Service Charge Dispute
I have a Service Charge dispute with the management company, KWB, that manage the services for our apartment block. In September 2018 we received an balancing charge invoice for £185. This was not expected as we have been paying off our service charge fees in full every year. The date of the invoice was September 2018 but…
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Stressed would be mortgage application
Hi, I’m new to this, but wondered if someone can help me. I have a loan which I pay £406 a month but have a year left on it, 2 credit cards which equate to £14,000, and my overdraft of £1900 which I am in every month and normally upto. My financial advisor recommended I apply for a 0% credit card, so I checked my…
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FirstPort Daylight Robbery
Can anyone have a look at my most recent 'service charge' statement. I only a property freehold by the garage is leasehold as it has a flat above it. Look at the 'management fee'?!?!? Is that normal!? I have been asking them for over two years to explain their fees to which they just don't bother replying. I have withheld…
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Rental application...income amount?
Hi, I am currently on disability benefits, I have checked all the benefit calculators and when I move out of my parents house it says my income will go up a little bit and I will be getting the housing benefit aswell. My problem is, Do I write on the rental form my current income, or the income for when I've moved out? I…
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how to rent with low income
So I want to rent a flat but income only £3k/year ATM. This is not including benefits, but as currently in process of separating I can't give the agent my current benefits income (as a couple), neither do I know amount I'll get in future (as a single). There are basically 3 options I can think of to make an agent consider…
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Help please! Person managing property is not providing invoices/expenses
Hello I wondered if can get some advice please? I am in the process of doing tax returns for a property that I instructed a friend of the family to help me manage. However, he is not being forthright with the invoices /expenses information that I require. We did not have a written contract , it was a verbal agreement for…
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Dentist next door wants my house
The dental practice next door to me is interested in buyimg my house in prder to expand his business. Should I be thinking of my house value or do I consider what it is potentially worth to his business?? He has no propert the other side of him to make an offer to.
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Moving Mortgage to Parents Property
Hi all, Looking for a bit of advice. I currently have a 5 year fixed mortgage with Santander, we've recently decided to move house and look for something much bigger. We've not quite found the right property yet, however, we do have a buyer for our current place. Having spoken to Santander they said I have 90 days to find…
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What questions to ask estate agents?
Hi, I'm selling my house and will be living with friends while i save up a few quid and wait for a new build property to become available. I live in a cheapish area in the North of England (I'd expect £180k max) so the savings presented by Purple Bricks and co don't really add up assuming I can get a decent sales…
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Landlord charging for utilities
We rent a house on a farm and the utilities are all provided by the landlord, heating and hot water from a huge central biomass boiler and electricity from solar panels and bought in from their chosen supplier,( probably at a commercial rate) These supply several houses and small businesses. We are charged at the full rate…
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Home Buyers protection insurance advice
Hi all, Just had an offer accepted on our first home. I'm a complete novice but from a chain point of view it seems straight forward. Our Vendor has put an offer in on an empty property that is through the same estate agent and provided that offer is accepted I'd hope things should progress but obviously anything can…
