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Query regarding Occupancy of a Property.
Hoping some knowledgeable folks on here will be able to shed some light on an occupancy search please. I've done a search on one of the popular sights that you buy credits to view details. The property I am checking shows two occupants, one of which the data source is listed as Telephone, Electoral Roll and Consumer Data.…
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Property investment options - mortgage, cashbuy, crowdfnding? which?
Hi everyone, I have been buy to let market using mortgage for a few years. Now I have some savings and am able to look at other options. I am not sure other options, e.g. cash buy, corwdfunding, are better than my current way. I would like to know your opinions and if there are other better ways than what i know. 1. My…
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Savings Advice
Morning All Will be looking to buy a house next year, hoping for house prices to either stay the same or come down. Been doing research this weekend and am a bit bamboozled. Hope to have my deposit next year of 25-30k. House price I’m looking at is between 250-320k. So my issue is- Help to buy ISA will only let me buy a…
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Restrictive Covenant
Hi all, Am going through the purchase of a house and have been provided with restrictive covenants, one of which is: "No to carry on any trade, manufacture, profession or business..." Would this mean if we were to say make things from home and sell them for example, we would be in breach of the covenant? For example, if my…
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Arranging a survey, possible flood risk
We are in the process of buying our next house. The mortgage has been agreed. Out solicitor has just completed the searches and then land has been identified as having the potential for significant surface water flooding. What can and should I do here? I understand insurance is the biggest possible hurdle, so will ask for…
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Viewings for Potential New Tenants - Help!
We informed our landlord’s letting agents in June that we were in the process of buying a house and so would need to transfer to a rolling contract, if possible, at the end of our tenancy agreement (12 months, which ended in July 2019). The agents said they would contact the landlord and come back to us. They never did.…
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Help to Buy... Eh?
Hey Guys, Im looking to buy a house in the next 18-24 months and was wondering whether there's any Help to Buy schemes left from the government... Or is it only the ones for these awful new builds? Essentially I wanna buy a house that was built a while ago but wonder what help there is... If anything?
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Awaiting exchange..
Hello All, We are at the last stages now of our house purchase now. Some enquires were raised by our solicitor to the seller and the EA called my partner yesterday stating that the owner of the house has had some support answering them (she was struggling with them) and our solicitor should now have all the answers and…
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Am I a first time buyer?
Hi, We are a married couple, my partner owns a house abroad since before our marriage; this house is still soley in their name. I am going to buy a house for the first time, with myself as sole ownership. Am I classed as a first time buyer? Am I required to pay the higher rate stamp duty? I'm sorry I could not find this…
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How to view a previous house listing?
Hello, we are looking for our new home and unfortunately have been struggling to find something suitable in our budget. We have seen 1 property which is listed for £350k, it's a traditional 3-bed semi but with a garage conversion to a 4th bedroom downstairs. Now, the house next door (which has the same conversion) sold in…
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House Insurance - When?
Hey all Fingers crossed we are hoping to exchange sometime this week and complete by 5th October. We have no chain as buying a vacant property and the seller already has a new home. The seller seems agitated and the estate agent has sent a shirty email saying our solicitor has raised more enquiries and that the seller has…
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Sealed bids and gazumped
Hi all Hope any more experienced people can give their opinion on my situation. FTB here with a mortgage in principle and 10% deposit. Have found the perfect house in the right location, guide price 300k. went in with an offer of 290k and was told too low. Increased to 295, at which point was told there were three other…
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Section 21 served but still want us out for 2 weeks for maintenance
Hi. I am new here. I am at a loss of who and where to turn. I suffer from severe mental health issues and so does my wife. Last week we were served a no fault Section 21 notice to leave the property in 8 weeks time. I have 2 Dogs and 3 cats, to help with our mental health, as suggested by the local community Mental Health…
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Questions on mortgages and tax when a gifted second property involved
Hi all, Posting this as, after plenty of research, I still have some questions I’m hoping you could help me clear up. Background Currently I own and reside in Property A. My fixed rate mortgage for this property ends early 2021, at which point I want to get a new mortgage at the same property, with my girlfriend joining me…
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left rented room, can I get into trouble?
I would like to know if I can get in any legal trouble leaving my rented room? On 13 Aug I went to see a room near Manor House. I liked it so I took it. The landlord asked me to pay £440, 1 week rent in advance and 3 weeks deposit. He said when I leave I would not pay for three weeks. And he said that the minimum stay is 3…
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Interim charging order by YBS for satisfied Egg debt delaying sale
Hi, Hope you can help. I am I the middle if selling and the blocker is an interim charging order from 2007 from an egg debt. They applied for a final order with Reston’s solicitors this year (2019 ) but I was able to pay the debt in full in July and sent an RX3 form with the debt satisfaction letter to remove the full…
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mum/brother joint mortgage, he wants out. How to transfer to me
HI, My mother & brother have a joint mortgage on the house we all live in. He wants to move out/sell and I am willing to take on the mortgage. How do I go about buying him out/transferring the mortgage to me & my mum?
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Noise complaint - ask Council to Enforce abatement order
Good morning, I have made several complaints against my neighbor from July 2017 regarding noise from parties ( music people shouting etc). In October 2018 (after over a year ) they were finally served an abatement order which made it clear they were not to cause any further disturbance. Yesterday they hosted another event…
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Buying our first house at the same time of a redundancy
Hi everyone, I'm in need of some help and advice from you all. My partner and I are a few weeks away from completion on our very first home. My partner happens to be cabin crew, and I'm sure you've all seen the news today about a certain travel agents potentially going bust within the next 24hrs. Obviously this could all…
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Knowing when to walk away from a purchase
I know it’s a ‘how long is a piece of string’ question, but interested in opinions. We’re cash buyers. In early July we had an asking-price offer accepted on a house. We were told the buyers were suited, but it turned out they were not. Survey threw up some issues, so we visited the property with a builder and there will…
