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Title Deeds Persimmons- Erecting a new fence?
Hi Was wondering if anyone can help. Recently purchased a Persimmon home and cannot see anywhere on the title deeds about it being an open plan development. I've read and reread our deeds and still don't quite understand if it means no fence in the front or just no fence over a certain height? I have checked with our…
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Mortgage help regarding fixed-term/permanent contract
Hi there, We are currently going through the process of applying for our first mortgage. I work at a university on a permanent contract but my contract also states that the project I am funded from ends in 3 years. I have evidence (non-contractual) that this would be extended for a further 2 years. This is common practice…
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clay lump, surveying and timing
A wee question about timings and things if I may. We've had an offer accepted on a property, Original part of the building is clay lump which has been extended at some point. We are aware that clay lump can have some issues. Going through the process or mortgage application/ porting with nationwide. They should be doing…
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Landlord and entering house
Hi I rented a house a few years ago via PBricks and now we have moved out the 'landlord' doesn't want to give the deposit back even though we left the house spotless (there is evidence). Over the years we were there i asked for several things to be done and he never did them. He came round on many occasions and came in (I…
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am i right to be worried? near completion
So we have passed all of the searches and enquiries stage and we have discussed a completion date with the house we are buying, however our buyers on our property haven't been back in touch to confirm this date, they are cash buyers and are going to be using our house as a rental so aren't moving any items in and we have…
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Costs when purchasing first home
Hi all! Within the next couple of years my partner and I will be looking at purchasing our first home together. I'm creating a spreadsheet of the costs involved based on what I've read online but I was wondering if anybody would be able to share the costs involved when buying their first home? I understand it's different…
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statutory leasehold extension - legal costs?
privacy reasons
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Approaching our landlord with an offer to buy - acceptable?
Partner and I are looking to buy in the area we live in - it’s a modern estate with a few hundred flats on it. We chose the flat we rent in for a couple of specific reasons - not on the ground or top floor, dual aspect living room - and although there are about 6 on the market in our estate at the moment, they’re all…
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Shared ownership, leasehold /freehold
Hi. I understood depending on the development when you got to 100% ownership the leasehold is transferred and you own the freehold. Now I've just read all shared ownership are leasehold only. Does anyone know about this or have information. As I'm really put off if it is leasehold only. Any views or opinions received with…
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A bit of a predicament..
Hi all, Hoping someone can offer me their advice and expertise! Myself and my partner have decided to separate 3 and a half weeks after completing on a house. The house is a new build property and we took out help to buy equity loan on this. We have decided to cut our losses and sell, recognising we are likely to take a…
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Homebuyers survey results.
Hi peeps. Had our report back for the property we are buying, after a bit of advice as to whether they are much to worry about and if i should negotiate a lower price with seller or if any of the jobs will cost a lot. So first of all, the gas and electrics were both rated a 3 (which means sort instantly) , it doesent…
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CRL/Alpha insurance for flats
I like many others have been affected by the bankruptcy of Alpha Insurance who were used by CRL for the warranties of new builds. Due to the FSCS being unable to find alternative cover to homeowners, we have been advised that we will be required to find this ourselves. Our flat which has another 6 years of this warranty…
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Conflict of Interest
Hi all, Does anyone know that is there conflict of interest for State agent and Seller to be same person. Actually i bought a house and during whole time state agent and seller gave impression they are different person but when i actually went to collect keys of the house i found out that they are the same person. Now…
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Autism/ MH Problems and Housing rights / Homelessness help ?
I suffer from severe depression, psychosis and autism. I am currently having problems from my noisy neighbours in a block of 3 flats, and also there is anti-social behaviour. Having loud domestics in the communal area slamming doors. Playing loud music.Due to my autism I cannot stay in my flat at anytime in fear of sudden…
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Offer on House before viewing.
Good Evening. We are first time Sellers, so I'm sorry if this is a silly question, I am also a little behind with modern technology. We are on the market with an agent that offers app usage. We have had an offer a little above what we were hoping for, via the app (This also shows on the website). The thing is the "Buyer"…
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Estate Agent: Fixed fee or percentage of selling price?
I have a house to sell, but am going to get it rewired and redecorated throughout first to hopefully maximise viewings and chance of selling close to my asking price. The house is a former council house. A few in the street are now also privately owned, but mine is in a terrace of others all still managed by a housing…
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Help to Buy 25% mortgage requirement
Hello all I'm hoping to use the Help to Buy scheme in London, however it is a requirement of this scheme that 25% of the property be funded by a mortgage. I'm in a strange situation in that I am somewhat cash right but income poor, meaning that - based on my income alone - I can only get a moderate mortgage. Combine this…
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Advice on upsize
I am not sure if I am posting in the correct place, please excuse. I own my house with 60% LTV with interest 1.94% fixed till mid-2021. My overall mortgage term finishes in Mar 2036. My savings is 6.5 months worth of expenses as cash in a bank account paying [STRIKE]0.2%[/STRIKE] 0.55% interest rate. We want to up-size in…
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Equity transfer advice
I am after some advice about transferring the ownership of a property into the name of my wife. I own a third share of a property with my siblings and the property is owned outright with no mortgage. I would like to transfer my 1/3 share of the property to my wife. I understand there are no capital gains tax or stamp duty…
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buying and selling refurbished properties
Hi I am a structural engineer by trade and could find it natural to buy old properties -work them and sell them... Please advise some tips as to how to get into the businees..and how much tax free profit should i expect...etc. many thanks...
