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Change Of Mind on Purchase Advice Needed
Evening all, I put an offer in on a 3 bed semi detached house last week that was accepted in a nice area as i saw it as a potential future family home and at a relatively decent price considering the area. Now after more thoroughly working out the costs of the work involved and the higher bills been a singleton currently…
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First Time House Buying - Purple Bricks
Hi folks, My girlfriend and I viewed our first property tonight, we are looking to buy our first house. The listing was through Purple Bricks so we were shown round by the home owner herself. We're total newbies to all of this so just looking for a bit of info. Firstly, the listing is set as 'offers in excess of £145,000'.…
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Cancel Council Tax but no new address yet
Hi, I'm selling my flat but am not buying a new place straight away. I may spend some weeks back in Ireland and stay with family or stay with friends in the UK post sale. It seems that in order cancel my council tax, I have to provide the address I'm moving to. This is what it says on the form for the borough I'm living in…
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help understanding estate agents terms
I thought estate agents were now required to use clear and easy to understand language! Can some kind soul with more experience of this have a read and tell me if I have this right: "The Commission Fee will be payable whether the introduction is a direct introduction or an indirect introduction (where the Buyer makes a…
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Where do you start looking for a good solicitor?
I guess I did things backwards, but I'm buying and have had an offer on a place accepted and I now need to find a solicitor. I want to move quickly (ok, who doesn't?!) so I'm looking for a reliable, decent solicitor. None of my friends or family have bought in the past decades, so how on earth do I find one who's not…
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FTB and service charge increases
I'm considering buying a house (freehold) that's 7 years (or even a new build) old and there's a service charge involved, not much, £52 every 6 months. This bbc website article has been sent to me, having read it is it something I should be concerned about it ? I have asked is it likely to go up and the response possibly…
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Wife, BTL, Mortgage, Tax
Hi all I am soon to receive a redundancy payout, and i have secured a new job. My new salary falls under the 40% bracket but with a split year redundancy payout (Dec 19 and Apr 20) I will already have to salary sacrifice into a pension both years and defer part of my payout to stay under £100kpa for each year. My wife…
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Queen Anne’s Bounty Act 1714 - Do we pay the Indemnity Cost or Remove from Deeds?
My partner ad I are currently buying our first house together and need some advice regarding the Queen Anne’s Bounty Act 1714, which is currently on our deeds. Our Solicitor has said that the current owners will need to either pay an indemnity cost of £788 to the insurance company or will need to remove the clause from the…
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Negotiating with Barratts
I was hoping someone might have experience with negotiating with Barratts. I am looking at a property of theirs which is listed at £264,000 and can probably afford up to £245,000. That would include them part exchanging my current property. They say that if you aren’t part exchanging that you could also get a £10,000…
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Backdated Service Charge
Hi everyone Following on from my first time purchase of a flat in the summer, I have now received my first six month demand in advance, which broadly speaking is what I was expecting apart from a backdated amount from a previous year. 2018/2019 Balancing charge £162.32 Surely this should have been billed before now. I…
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MoveCorp removals went into liquidation before delivering my shipment
Hi forum, Need advice re my rights and recourse dealing with a removals company. I recently moved from the Netherlands to Belfast, and shipped my household items through MoveCorp removals company, based near Birmingham. After more than a month since collecting my items, and more than 2 weeks since demanding and collecting…
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First Time Buyers - Equity loan?
Hi all, looking for some advice. Myself and partner are looking to buy our first home and are considering the help to buy equity loan for a new build (however I have heard mixed reviews). We currently have approx £45,000 saved as our deposit and money set aside for fees attached with buying a new home. We have a combined…
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Buildings insurance.... Rebuild value?
Looking at arranging buildings insurance for our new home and it obviously asks the rebuild value. Now I know this is not the sale price £450k) but how would I go about finding out the rebuild value for insurance purposes please?
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Landlord is doing an EPC inspection - what does it mean?
Hi, Along with my partner and our children, we rent a house in the north west, moved in this August. We received an EPC certificate when moving in (dated July 2019, shows up on the EPC register website as well, probably done before marketing the property for rent). I've just received a letter from the letting agent which…
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Openreach wayleave
Hi guys , wondering if you can help me, I own the property where I live for the past 8 years ,I need to have a new drive way done infront of my house and I realized the I'm having a Openreach junction manhole within my property boundaries that would create a bit of a problem because is way high compared to the rest of the…
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Leasehold property - with Share of Freehold Interests
Hi I was looking to put an offer to a leasehold apartment in a building of 3 flats, which the estate agent advertised this apartment has a Share of Freehold Interests. I bought the current Title Deed, both Freehold for the building and land + Leasehold for the seller. I noticed under Property Register, section A of…
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Tenant wants to move partner in
I recently rented out my property to two new tenants who are friends. They have only been there about 6 weeks, and one of the tenants has sent me a message to say his girlfriend will be moving to Scotland soon (they're all from Romania), and if he's allowed to move her in. While I appreciate his honesty at not doing it…
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RPI or doubling ground rent?
I am a very confused flat owner with a ground rent issue, I'm hoping someone can help me out with it! I have owned my property for 8 years and have paid a Ground Rent of £200 every year in that time. As a flat, I know its Leasehold and as a block, we have never attempted to buy the freehold. I have recently received a…
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Moving on
I'm in the process of downsizing and last weekend I thought I found a new property so put in an offer and accepted one on my house. However, something happened and I had to withdraw my offer but the estate agents advised I still go through with the offer on mine which I did and things are moving in that direction with a…
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Help for FTB
First time buyers buying a property and have had our accepted for well over a month now. We have had a Homebuyers survey completed and there have been lots of things which have come back. The main problems is to do with the guttering and the drainage. We informed the estate agent about the survey problems and the estate…
