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Boundary issue
Hello I am looking for any information which may help until we find a solicitor who can specialise. We bought a new build property last year, after various issues with our fence/gate, it came to light that the boundary wall has been built in the wrong place (our land rather than our neighbours) The pathway doesn't give us…
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Getting quotes
Hi, First time buyer here. Our solicitor currently going through contracts and making enquiries (slowly) but we are confident everything will be OK (touch wood). We were wondering would it be an unusual request to either before or after exchange of contracts, to ask the seller if we could get painters and decorators in to…
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Freeholder planning on adding extra stories to create new flats - advice needed
I was hoping to get some advice on how to approach a planning application my freeholders are about to put in. As the title says, they are planning on adding two stories to my block of flats! I live in a one bedroom, third floor, small block of flats in London, its currently three stories and the freeholder is planning on…
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Commercial property purchase to live in, advice and funding options help appreciated!
I am currently in the process of trying to purchase a commercial detached property. It was at some point in time a house then at some point over the last 20 years got converted to some offices. The building exists today as a large open plan area across two floors, I believe it has a basic kitchen and a bathroom. I have a…
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Advice about taking a council property please
hello everybody. Nice to virtually meet you all. I am posting in the hope of some wise advice. I have been offered a one bedroom council house. I am top of the waiting list and can refuse without it affecting my position. I have currently an unsuitable property that is too far from support for me. Or else I would stay put.…
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Upsizing to Second Home
Hi, I'm looking for some advice about a small upsize to our 2nd home. We've recently moved out of the city into the a 3 bed semi in the commuter belt in the next county for 105k, commuting can be a little testing at times but we are okay with it and happy to stay out of the city where house prices are reasonable. The…
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Mortage & Reservation/Holding deposit advice
Hi, We are 2 First Time Buyers with a Help to Buy ISA & are relying on the ISA & Government bonus for the mortgage deposit. We are still very new to the process & have done some research so please bare with me on this! After reading the MSE article on the HTB ISA, it states there are 2 deposits: A mortgage deposit (which…
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Buying ex out of property or selling house altogether?
Hi All, I'm wondering what you would do in this situation, bearing in mind Brexit is happening soon. My ex and I split up in March 2018. He left the house and I've been living in and paying the full mortgage ever since. From the very beginning I was keen to buy him out of his share and sever ties completely. He is flat out…
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Buying a build complete house and getting VAT refund for new flooring
My partner and I are about to buy our first home. We saw the property when it was "build complete" so the flooring etc had already gone in. We're keen to change the flooring in a few rooms and are keen to know if we might be able to claim VAT back because its a new build? If yes, does it need to be done before we move in?…
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Consolidate credit, pay off overdraft or save larger deposit?
My husband and I are hoping to apply for a mortgage this summer as first time buyers. We did consider it last year but put it on hold as we were having another baby. At that time we obtained a decision in principle from halifax for a mortgage with 5% deposit. Nothing has really changed in that time except for using help to…
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Lifetime ISA questions
I'm thinking of opening a Lifetime ISA to save for buying my first home. I have a couple of questions I hoped someone could help with... Apologies as they might be a bit wordy to try and explain. 1. From what I can gather from researching LISAs is that the money I've saved for the deposit, added with the government bonus,…
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salary and property rental income tax calculator
I'm looking to rent my one bed flat out following the death of my partner last year but am struggling to find a calculator online to work out whether I'll cover the mortgage and service charges. Does anyone know of a comprehensive calculator online that I could use to work out my estimated post-tax income including both…
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Carer looking for advice
I'm a 60 year old man caring for his 89 year old mother who has COPD, severe arthritis and Lyme disease. For the last five years we've been renting a bungalow (it's a lot easier for her not having to use stairs). I've just found out that our landlord wants to sell the property when our tenancy ends in March and she's…
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New Build, shown wrong drawings, please help
Hi everyone, My partner and I have purchases a new build, which is due to be ready March. When we reserved the plot a number of months ago, we were shown the wrong drawings, meaning we have now discovered that the utility room is in fact a utility cupboard as the external door we were shown, is not going to be there.…
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Helping Family, Disaster or Triumph?
Dear All I want to rent a house to my aunt, I'm hoping to flesh out the idea on here. I'm trying to think of how this would work: Thought this is a sensible place to write down my thoughts and get feedback on the pitfalls of it: In short, my aunt is a close family member, she got divorced 2 years ago and has had to move…
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Looking for a nice area in the south east
We are not enjoying living in our corner of the world right now. Our semi rural area is getting more and more built up. Is there anywhere decent and still has good neighbourly values? Where people say hello instead of ignore you. We are preferably looking for semi rural or coastal, or short drive to the coast. Not fussed…
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conveyancing solicitors in Nottingham
Hi, I was wondering can anyone recommend a good conveyancing solicitors in Nottingham? * Decent price * Professional * Fast turnaround Thank you
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LISA 12 month rule
Hi. Hoping someone can advise I'm only a couple of weeks from completing my first house purchase. I've just checked my Skipton LISA with the bulk of my deposit and it says I can't withdraw the money until March, 12 months after opening the account - which will delay the exchange and completion by almost 2 months. I knew…
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Party wall is 2 plasterboards with cavity between them?
Builder says our party wall is just 2 plasterboards with cavity between them, he said maybe it's double layer of plasterboard on each side. We want to soundproof the bedrooms as we can hear everything the neighbours do. We thought part walls is brick, cavity and plasterboard stuck on beams. House was built in the 1990s by…
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The RPI equity loan trap
So I'm in the final 6 months before making a move on my first house. I have done all my reading and I see a potentially serious pitfall in the FTB-equity loan scheme. It seems to me if you don't pay it off in 6 years you could be in a dire situation. From Money Advice:…
