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Advice appreciated, ANOTHER house equity scenario
After spending a few hours reading threads there seems to be conflicting information depending on the case so Ill try keep this brief and to the point Buying the next property either by myself or with my partner(been together several years, however this will be first place we will live together) Looking at house purchase…
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Advice appreciated on the best way forward
Hi all, I would love your advice on our current situation, we are really stuck what to do for the best. We both retired from our jobs in the forces this year so we are both in receipt of pensions. With our lump sum we paid off our mortgage. We both now work in other jobs, my husband full time and I am part time. We have…
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New Builds - Flooring and carpets!
Interested in a property which we absolutely love. It's a 2 bedroom house which carpet and flooring is not included in the house price. They are offering a 'deal' to carpet 2 double bedrooms, hallway, stairs, lounge, then vinyl flooring in the kitchen/ diner open plan. This is coming in at 4.2k. We are first time buyers…
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Credit report inconstancies
Hi, im applying for a mortgage next week, ive had an agreement in princple which i know doesnt mean alot. I have looked at my credit score over the past 6 month and currently with equifax & experian i have an excellent rating.....however today i checked noddle and they show a differnt score which is classed as “poor” I…
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Landlord, mortgage arrears, reposession
Hello, Looking for a little advice and guidance. I am in Scotland and received a letter today saying that bank of Scotland might reposess my property. I have lived here a year without issue and am renting this property through an agency. Just looking for some steps to take and guidance. I plan on contacting shelter on…
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Flatmate issue
I've just had a new flatmate move in and I need to have what probably isn't going to be an easy conversation with her. This evening I had a bath and when I got out she was in the living room eating her dinner and watching her tablet (odd as there is a TV in there, but I digress..). I have an incredibly bad back and it's…
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Agent in liquidation - no deposit scheme logged
Hi everyone I’m moving out of my current property (a private rented flat) at the end of the month. I have just received a text from the landlord saying the agency that manages the flat has gone into liquidation this week. I have spoken to the landlord only once briefly - a month ago she told me by phone that they hadn’t…
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Selling Property Yourself
Hi everyone, We're selling our property but obviously don't want to pay estate agent fees :-) we had a valuation from purple bricks today but there's is just something niggling at me not to use them, especially their conveyancing team! Anybody used House Simple? Trustpilot reviews look good, don't have to use their…
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Chancel repair liability
A search has indicated that the property I'm buying has a potential chancel liability and they've included a quote. A £100,000 indemnity limit is quoted at £40. I was looking online to see if I could get a cheaper quote, but the providers I've found seems to only work through solicitors and not direct to the consumer. Is…
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Cost of a buying a £220k Flat in London
Hi Everyone. Would you have an idea on the costs of a buying a flat in London for £220k So far 10% Deposit : £22k Stamp Duty : £1900 Land Registry: ? Searches: ? Survey : ? Solicitor fees:? Anything else ? I am not a first time buyer and this will be a chain free purchase. Many thanks Yaman
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Impact of property being included in Register of Historic Parks & Gardens, Wales
Background - We purchased our current cottage in S W Wales as a repossession in February. There are two neighbouring properties, both listed buildings whereas ours is not - I believe ours was derelict at the time the smaller/less important of the other two were listed. Both ours and this other small(ish) property were…
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Landlord withholding rent
No longer need advice Thanks
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Letting agent is not paying me my rent? What can I do?
I let out my property from the 25th November on a 6 month tenancy. I found out about 2 weeks ago that the tenants are moving out on the 31st January 2019 and the letting agent has apparently found new tenants for the 1st February. I have spoken to the existing tenant and I am fine with the fact that they will be "breaking"…
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Clear Home Report, offer accepted, damp/mould worry
Hello all, I just got an offer accepted for a detached house (first time buyer). Home report mentions no issues at all. I had viewed it a week a go, all seemed fine, except this large mould mark in the ground floor bathroom: imgur[dot]com/oNaoWxR.jpg Above this bathroom is another bathroom. Should something like this have…
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Procedure to take legal action on new home developer.
Hi All, I need help how to handle the snags in my new homes that is less 1 year. I have noisy and creaking floors in all the floors.The developer(Persimmon) said it was normal while he came for inspection. Any single step would be noisy on the floor and under. I got NHBC involved and their inspector was at the side of the…
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Is survey needed with NHBC guarantee
Buying first house which has 7 years left of NHBC guarantee. Is a survey needed? Seems there is a lot of conflicting advice about this
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Smart home but tech & house sale
Hi all, we will soon have our house on the market and I'm really looking forward to moving home. However over the past 3 years of living at this house we've bought lots of Phillips hue light bulbs, nest cameras etc. When someone comes to view, the lights will come on automatically on the landing as it's quite dark and…
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New build - Upgrade Charges Sale fell through
Hi just looking for some opinions on the situation we are in. We had an offer on a new build property accepted through a local developer. We offered to pay the full asking price (builder wouldn't negotiate) on the condition that as the house hadn't been built yet we could personalise to our specification. The builder…
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Gifted Deposit
Hi everyone, (2nd post on the forum, so please bare with my incompetence haha) But I am looking for advice about a gifted deposit from my mum. So I had the savings, however at the time I got my mortgage in principle, it was confirmed I'd only need 5% .. So I decided to use the rest to cover some debts. However, that lender…
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Gifted Deposit
Hi everyone, (2nd post on the forum, so please bare with my incompetence haha) But I am looking for advice about a gifted deposit from my mum. So I had the savings, however at the time I got my mortgage in principle, it was confirmed I'd only need 5% .. So I decided to use the rest to cover some debts. However, that lender…
