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Buy or rent after relocating?
Just after some different perspectives please. I’m relocating 400 miles across country and my house is going on the market after Christmas. I’m torn between buying and renting currently and have come up with the following... Buying- only need to move once, won’t waste 6 months or more money on rent. Won’t have hassle of…
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Inaction from management company in buildings insurance claim
Hello. Really hoping someone can help me as I’m at my wits’ end. I posted some months ago about a leak coming through my ceiling from the flat above and got some really helpful advice. I am owner occupier and hold a lease of the freehold. The problem is that the damage has still not been repaired, nearly 7 months after…
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Refresh home report valuation dropped
Hoping for some advice. We recently offered on a house that came with a home report of £270,00. Since we knew the market in the area, we offered £230,00. We were negotiated up by the EA to £235,00, based on the HR value and were still reasonably happy with that. Now we've been told by the EA that the refresh home report…
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Reasonable service charge increase over 18 years
I'm looking into service charges on a leasehold property acquired in 2002. At the time the service charges were stated at £1300 per annum with £100 ground rent in addition. Following the purchase thousands of outstanding charges from previous years were brought forward (not disclosed) and having failed to locate the seller…
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Mortgage advisor complaint
Hello all, Apologies if you don't think that this is the right board for this thread, but I couldn't think of where best to put it. I used a (free to me) mortgage broker when I bought my first flat earlier this summer. At the time, I told the mortgage broker that I would organise my own buildings and contents insurance. I…
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Continual Complaints & Non-Payment of Service Charges
I’m asking this on behalf of some friends, currently on the management committee of a small rural property complex comprising of 14 freehold homes. The committee is responsible for managing shared areas and the provision of services, like grounds maintenance and septic tank emptying. All residents, except one couple, are…
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Unable to contact landlord for deposit
We recently moved out of a flat, our letting agents did the inspection at the end of tenancy. There were no deductions (we left it in great condition). However, our landlord fell out with our letting agents and is now ignoring their calls/emails etc, and so has not signed off our deposit to be refunded (under the protected…
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How to rent my flat?
Good evening, I have read this forum a lot, and as there are so many good advises, I am posting to get an idea how to deal with the situation I am in. I bought a flat with a residential mortgage 4 years ago, I lived in it for 2 years and moved overseas 2 years ago. I have kept the flat and kept it empty since then, with me…
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Closing Help to buy ISA
Hi All, Myself and my partner are in the final stages of a property purchase and something dawned on me last night that would be great to get some advice an clarification on. I have a help to buy ISA set up with Santander that has been growing over the past few years, however, the price of the property is higher than the…
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Sign TA now suddenly have been told I must use their elec/water/gas/internet or go without??
Surely they can't do that? The TA is all signed and I was merely sending them an email to ask if it would be ok for internet company to install a wifi on their property, I was thinking if no I would just go with the defacto phoneline one and they drop a bombshell on me... They tell me that the only internet available for…
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Form K restriction for final charging order
I was awarded a final charging order against a rogue landlord for failing to adequately protect or return a deposit. Finally getting around to registering it, it appears that I need to apply for a restriction by submitting an RX1 to HM Land Registry using "Standard Form K". I'm hitting a bit of a stumbling block regarding…
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Help! Proof of how I obtained a large saving
Hi. I am a first time buyer and I’m self employed. I applied for a mortgage with a help from mortgage broker. I got mortgage in principal (with platform) but now platform are asking for proof of how I obtained my deposit/savings! I have quite a high savings and all I could really say was it was through my earnings and…
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Vendor won’t accept offers until they’ve found a property
After a year of looking, missing out and being messed about on trying to by our first house my partner and I have finally found a house we have a heart set on. The house is listed for 200 and we’ve submitted an offer of 196 after the the estate agents informed us that there were two offers already on the table in the 190…
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Seller solicitor has not sent initial draft of contract
It is a chain-free sale. Offer accepted in early August, memo of sale on September 6, vendor submitted forms to solicitors in early October (confirmed), but draft contract has not been drafted/sent by the vendor's solicitor, and the Estate Agent and our solicitor are tired chasing both the vendor and her solicitor with no…
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Purchased a leasehold with share of freehold earlier this year - other freeholder hard to contact
Hi, We purchased a leasehold flat in August this year, with a share of the freehold (we have the lease for the upper flat, and they have the lease for the downstairs flat - it's a maisonette.) The freehold is not in a company name, but owned by ourselves under one name (50%) and them under one name (50%). We are having…
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Radon
Hi, I am in the process of buying an apartment and seem to be stuck on two issues. I have posted an enquiry on the Land Registry page to do with restrictive covenants. I am buying an apartment in an area known for high levels of Radon Gas. When the apartment was converted some 16 years ago Building Regulations only had to…
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What's Our Buyer Playing At?
To cut a long story short, we accepted an offer on our house at the end of May. Our buyer had her mortgage valuation done but didn't have a survey at the time. It took us a few months to find a property to buy, and we finally had an offer accepted on a property at the end of August. Things have been slowly ticking along…
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Rent a room scheme - self assessment return
Hi all, I had a lodger for the tax year of 18-19 and have just finished my self assessment of this on the HMRC website, using the £7500 rent a room scheme allowance. The calculation shows I owe some money for the 18-19 year which I am more than happy to pay by 31st January 2020. However, despite the lodger no longer living…
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Obvious to see asbestos not picked up on survey
Hello All, We moved into a house a year ago. Recently I decided to have a look around the loft to install and extractor fan and new hatch. This is when I noticed that behind the plasterboard ceiling is cement board which I have had tested and has come back positive for asbestos. This would not be problem but the previous…
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Help to buy New build
Hi All I am planing to buy a new build using help to buy. With house prices going down or I'am planing to settle the help to buy in two years time(getting a 2 year fixed deal) with my savings and by remortgaging the rest (Only a small present). Does any body have an Idea of the cost of paying help to buy early and the…
