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Wall cracks - structural engineer unsure?!
I am currently looking at buying a house. I noticed a couple of cracks and was told by the estate agent that a survey had been done in the past (by the vendor, I believe). Today the estate agent got back to me regarding the survey and told me that the structural engineer wasn't sure about the seriousness of the cracks…
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Moving in - but I don't want the White Goods
Hello all, I am moving house soon, but don't really want to keep the previous owners White Goods. They're not in very good condition, and we plan on renovating the kitchen entirely - however the seller doesn't want to remove them. Any suggestions on how to settle this? Thanks
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Coal mining search issues
Hope people can give some recent examples of this. We are in the process of buying a house and the coal mining search has identified one disused mine shaft entry point within 20m of the property. The entry point is within a school grounds actually on the playground. Our lender has asked for a mining interpretative report…
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Consent to let for HMO
Hello, I’m looking for some advice please. Me and my partner each own a house and have done for a number of years prior to meeting. I currently have a friend lodging with me. Over the next few months I’ll be moving in with my o/h and we plan to get married. I’m tied in to my fixed deal with Nationwide for another 4 years…
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Marital home not in joint ownership
It has just come to light that my elderly in-laws house is only registered in my FILs name rather than as a Joint Ownership with MIL. They were married at the time of the house purchase, so not clear why it was only done in one name They have been married 65 years, .they have lived in house for some 53 years, no mortgage,…
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Buying a home, adding value, making it fair
Sorry for the long post, trying to provide as much detail as possible. I got into quite a lot of debt when I was with my ex partner, due to a number of loans being taken out under are joint bank account, and ex then declaring himself bankrupt when we split. Over the last 5 years I've managed this debt well and all being…
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Shared Ownership: Stamp Duty Mind Melt!
Hey everyone! I have been trying for sometime now to try and work out a stamp duty question. I don’t want a nasty surprise when I sell my house so hopefully you can help. I bought a £340,000 (full market value) shared ownership property in March 2016. I initially bought a 40% share which was £136,000. I elected to pay any…
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House Selling - No viewings?
Okay, so we've had our house up on the market for a couple of months but only had one viewing. Feedback was good, we think the property is reasonably priced (others close by have gone for higher), we know the market isn't as quick at the moment but any insight would be great as we are at a loss as to why we aren't getting…
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Buying house, with partner moving in
I’m buying a house in Scotland (with a deposit I’ve saved, and me paying the mortgage). My partner and her husband will be moving in. We’ve agreed that they’ll contribute towards bills, along with a rent payment; this will be well below market rate, so they can save up to buy part of the house in the not-too-distant…
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Selling my House and Moving to Rented
Hi there, I am looking for some advice on my current situation. I am 22 and finishing off my masters degree in September. I inherited my family home which I have always lived in when my mum passed away last year and am still living in it as an only child who everything was left to. No other people to worry about when…
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Issue At Property Between Completion & Key Collection
Hello Helpy People Completed a house sale on December 8th for a property in Manchester but was unable to physically collect the keys until January 5th owing to certain circumstances and spending Christmas with family in London. Had viewed (unoccupied) property a week before completion and was happy it was in the same state…
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Can I obtain a management pack for the sale of my property?
Hi all. I'm in the process of selling my apartment, and the buyers solicitors have informed me that they require a management pack from my management/maintenance company, RMG. I instructed my solicitors to obtain this in November last year. He claimed to have requested details on how to obtain this from RMG, and the last i…
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BTL doesnt stack up? (sanity check request)
Hi Longtime reader but first time poster...hope you don't mind me asking this I have friends who are insistent that BTL is still great (they have 5-10 properties) and advocating me to do the same (with a £50k funds I have available). However, I am a top rate 45% tax payer...and despite their insistence I don't see how the…
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Insurance company nightmare
Hi Guys, I signed up as I was hoping someone could give me some advice as I am having a nightmare since buying my own flat in September. (Giving a brief as to what's been happening) The day I moved in there was a leak from upstairs which had damages my electrics, the ceiling, floors and boiler. No one was living in my…
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Porting mortgage fixed term purchase problem
Hi all I’m looking for some thoughts... We have sold subject to contract and are going through conveyancing for a purchase We were told of an issue today that will probably delay our purchase - our buyers want to move quickly and this puts our chain at risk Under normal circumstances we would move into rented and wait for…
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Loft Conversion with no approval
Hi everyone! I am in the process of buying a house and on looking at the photos knew that the loft conversion did not meet building regulations as it does not have a permanent staircase/fire protected route down stairs etc. The current owners use it as a bedroom (at their own risk of course) and is not sold as a habitable…
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Lots of issues found on building survey/damp & timber survey on old terraced house.
Hi, I apologise for the length of this post! ========== TL;DR version: FTB buyer whose building survey and damp/timber survey have found dozens of issues/potential future issues, particularly relating to damp. No visible issues on multiple visits to the house. Hard to tell how urgent or typical these are, and whether to…
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Buyer's solicitor seems to be putting off exchange
We're in a chain of three houses (we are buying a chain free empty house, our buyers are selling their house to an FTB) - a few weeks before Christmas we were asked by our buyers solicitor if we would be able to complete on the 11th Jan - we said yes, as did everyone. Shortly before everyone downed tools for Christmas we…
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Shared drive issue
I recently bought a property which has a shared drive. The drive is between the 2 houses, my neighbor has a garage at the end of the drive at the rear of the house, set over to his side. Presumably there was once a garage on our side mirroring theirs which has been taken down at some point. We have off road parking at the…
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Missing Listed Building Consent for Windows - Cat C
Hi there, Looking for some urgent advice. I have put in an offer on a cat C listed building (in Scotland), date of entry is supposed to be Monday the 14th of January - hence the urgency. Now it turns out there is no listed building consent for the replacement UPVc windows that were put in about 5 years ago. The seller has…
