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Permitted Occupier or New Tenancy Agreement?
Hello, I'm currently the sole tenant on a flat and I've emailed my letting agents to see what the process would be if my boyfriend was to move in. They've given me three options: 1. Say he lives there casually and do nothing (!!!!!!?) 2. List him as a permitted occupier 3. Add him to the tenancy, do new references for both…
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End of tenancy today but a couple of concerns
Hi, My tenancy is ending today and I have a couple of last minute concerns. I won't be able to get an electricity meter reading as the meter is in an area only the landlord has access to and no one else in the flats does (this has been a big problem throughout the whole tenancy). He is unfortunately away and not back any…
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House buying research tools
I'm planning to buy a house in the next 12 months and wanted to know if there were any websites or tools that show:* The price history for a specific house * The average price of certain types of houses in a particular area With the first website, I can see how the price of the house has changed since it has been on the…
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Concerns following building survey
Hi guys, First post (but long-time observer) as I would be grateful for your opinions. It's a bit of a long read. By way of background: we are in the process of buying a house. We have a house to sell, which we put on the market around June, and which we accepted an offer on in July. Our buyers are FTB and we told them…
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Help 2 Buy For my daughter
I've had a quick look and cant find another thread with this question (that being said, i'm at work and havn't masses of time..) As the deadline is approaching for help2buy, can i take one out for my daughter & transfer it across when she's old enough..?? Thanks
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Change of Address
Just wondering when I should start changing addresses for things (drivers licence etc), I exchanged on the 13th and completion is on the 24th, would it be too soon to start doing it now?
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Help to Buy ISA question
So, we’re about to purchase our first house. I have been saving in my H2B ISA for a few years now and have over £10,000 in the account, so we’re set for a decent bonus. Property prices are low here, so my share of the deposit is only £6300. The question is, can I still claim the full bonus amount if I only use part of the…
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Ordnance Survey
Anyone had to have an Ordnance Survey conducted on behalf of the land registry? We are in the process of selling our house, however a small section of the semi-detached property is unregistered (even though at some point it was swallowed up by our side). Next door have no-claim on the land, they are even willing to sign to…
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Handed keys back still in debt
When the world economy went wrong and people couldn’t pay their mortgage I handed my keys back to the mortgage company. I knew at the time that I would have an outstanding mortgage to pay back. I have not heard from the mortgage company for a couple of years and on clear score the mortgage debt shows as £00000. Does that…
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Selling flat
Hi everyone. Could do with advice. My flat nearly been on market 3 weeks and only 1 viewing. It was investor who only offered 20k below asking price. The pictures are pretty good and its very spacious inside. My estate agent says dont worry the flat will sell. I guess I need to be patient. What's your opinion…
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Fees when selling a leasehold flat
Hi All I am currently selling my purpose built flat which is approx 3 years old. It has a management company who I pay a service charge to and a landlord who I pay ground rent to every year, which I believe is a fairly standard set up. My question is, has anyone had their landlord who owns the land/takes the ground rent,…
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Are we crazy or is offer price unrealistic?
Hi everyone - First time poster and FTB and wanted to get some feedback from the good folks on the forum as myself and my partner aren't sure if we are going crazy or not! We just put an offer on this property (sorry can't post links, i think you can find links if you google below) rightmove property-63272106 Some quick…
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I am a cash buyer. Buy now or buy later??
With the Office of National Statistics reporting that property price falls have now rippled out of London and into all three areas of southern England, from Land's End to Dover, and up to Milton Keynes, why would I buy now, when in 6 months, or a year's time, I will either get more property for my money, or the same…
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Forces Help to Buy- what are the stages and how long does it take?
Does anyone know what the stages of Forces Help to Buy are and roughly how long it takes from start to finish? Someone said you can’t apply for FHTB until you have a mortgage offer? I’m not sure if that’s correct, as surely you can’t offer on a house until you know you can get FHTB? Thank you in advance, just not finding…
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Problems & Delays Buying A House
Im a first time buyer and have no experience in this field so hoping someone can give me some help. I found a shared ownership house for sale through the help to buy site which i viewed via an estate agent and made an offer that was accepted. The estate agents mortgage broker found me a good mortgage and this has been…
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Sub sale rules
Evening chaps and chapesses, Regarding the 6 month ownership sub sale rule: Owner bought with cash, now selling to buyer with cash = fine. Owner bought with mortgage, now selling to buyer with mortgage = not fine. Owner bought with mortgage, now selling to buyer with cash = fine. Owner bought with cash, now selling to…
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HB, EAS and Renting
Hi Everyone, I need a steer in the right direction on this. Here are the facts: I have poor credit, although no CCJ's or Insolvencies I have not a lot of disposable cash I have just relocated to a different county to be with my partner I earn around £30kp.a. I'm 46. She suffers with M.E. and is on Income Based EAS. She…
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Gifted Deposit
Afternoon, We have just had an offer accepted on a property and have received a list of documents required by the estate agents. Not only do they want to see our photo ID and proof of address before agreeing on the purchase, but, as we have been gifted small amounts towards the deposit by various relatives, the estate…
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Homebuyers Report - Scary!
Hello, I have trawled through the forums and have seen some great advice about scary homebuyers reports. My husband and I are first time buyers and we just had the homebuyers report back it has flagged the following issues as the DREADED 3: The walls are of cavity construction with a brick outer leaf. The walls contain a…
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My landlord might be non-resident
We moved into a flat just over a month ago where the the landlord "manages" the property but has been a pain and barely contactable. When we collected the keys I spoke to him briefly on the phone and I questioned his residency as I really didn't want a landlord who was not contactable. He asked "why I thought it would be a…
