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Another deposit deduction thread...
Hello! We had our check-out from our tenancy earlier this week. The flat was freshly decorated when we moved in, which was in April 2014. Notice was given correctly of a full rental period. We have redecorated all but one room in the last two years (only verbal permission from the landlord, who we got on with very well).…
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Seller's Independent advisor
Hey all, I'm looking to view a house and I'm being told by the EA I'd have to be vetted/qualified by their "Independent Mortgage Advisor". I already have my own mortgage advisor (available by my employers as part of my benefits) and I've been hearing it's a bad idea to let the seller (fully) know your financial status…
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Selling 2 properties to buy 1 - capital gains
Hi everyone, I promise I'e searched for this but I can't find anything specific to my situation. I am selling 2 properties. One I live in, one I rent out - both in the same building. I am not yet going to purchase a new property. If I complete on the flat I live in first, my primary residence, does my rental flat become my…
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New "Have a Look at This" thread
The other one has disappeared and any posts I have made are not listed in either my posts or thanks. This thread is for things like: . Spotting pets in properties . Anything awful - decor, extensions etc . Quirky properties . Timewarp properties . Properties in serious repair and anything which is different and of interest…
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1 day late paying overdue rent/rent arrears, now had a letter promising taking action to repossess
So as the title says, but here's some more detail to give you a better image... Not been the most prompt payer in the 2 and a half years we've been here, even got to the point not too long ago(about 3 months ago) that I had to sign a thing(can't remember what it said but I have a copy here so can check) and the letting…
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Rent in advance
My rental agreement states that rent must always be paid in advance, but it doesn't say how far in advance. I am currently paid up until April with my rent and need a break for a month as I have just come into financial difficulties - it would still leave me paying my next lot of rent a month in advance, and if they…
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What would you offer?
Hi I realise that this is one of those piece of string questions, but I am curious about opinions on how fellow moneysavers would proceed with this house. rightmove property for sale 76755136, sorry cannot post link 2 of 5 new builds on a small development. The only 2 left are the same house type - this one. Originally…
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Wheelie Bin Terraced House
I am going to buy a terraced house as a BTL. The problem is that the house is victorian with an enclosed rear garden and no front garden, so the only way is to carry the bins through the house. Apart from this issue I liked the house. I have two questions: -as I checked the deed, the house has a right of way through the…
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3 year old EPC, worth replacing?
Hi, I'm selling my house. 3 years ago during the previous seller got an EPC. It was rated E, with potential for D. We made significant changes and actually beat the 'over 3 years you could save' amount by £300! They said we could save £1900 over 3 years, we saved over £2000. Our energy bills are so low. The 'estimated…
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Help my house sale is being stopped
Hi please help me. I found a buyer for my house and everything was ticking along nicely until the solicitor asked me to explain a 2004 CCJ that came up on a file. I don’t remember any CCJ’s and I certainly didn’t go bankrupt. They asked me to prove it was satisfied but they do not know the company or the case number for me…
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Help please - SDLT query
Hi All, I am looking for your wonderful advice. I currently live in a flat and I have lived in it for over 4 years. I am planning on buying a house in the summer and as my flat is in a popular city centre area I am wanting to release some equity in the place - I have about 100k equity to buy a house out of the city. I want…
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London and Country DIP not accepted by EAs
Hi everyone, I've had two estate agents say that my London and Country decision in principle is not sufficient because it's not a "real decision in principle". Anyone else have this experience? The first time it happened I thought the EA was just trying to get me to use their broker service but now it's happened again I'm…
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Delay in completion
Hi, I have recently purchased a house. Completion time was set to 1:30PM but was delay to 4:45PM on the same day due to mortgage lender did not release fund in time or banking system issue (this was the reason give to me by my solicitor). Because of this delay, my seller's seller could not complete their purchase because…
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First time buyer advice
Hi, I am hoping for some advice about buying my first home. I have saved enough for my deposit (5% - buying through the Help to Buy scheme), but I am not sure how much I need to have saved for all of the fees associated with purchasing a house? E.g. arrangement/booking fees (any advice on good first time buyer mortgage…
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people on tenancy
Can people be included in the financial budgeting on a new tenancy but not be actually put on the tenancy. My husband and I don't earn enough on our own and we currently receive part housing benefit, We have been told we need £50000 to be considered for 3 bed properties but we only have 32000, to enable us to get enough we…
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Bridging loan or We Buy any House
So, we sold our house last week, hardly any chain, over the moon as the house has been on the market since September. We went and reserved a new build property that we first looked at last August and loved but couldn't reserve until we had an offer on ours. We are downsizing so the new property is less than our existing.…
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How do you NOT get emotionally attached?
We've viewed a few houses and put in a cheeky offer on the one we liked, in the area we liked before we had sold our house (I know...) We were told to come back once we'd sold and what price would be accepted - totally fine - happy to pay that price. In my mind, I've drawn up extension plans, thought about how we'd use the…
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Would you be annoyed if you were the seller?
So, we had an offer accepted 2.5 weeks ago. Our own house is SSTC and we have an AIP. Mortgage application was put in the same day but we’ve had a bit of a mare with them and are now waiting for an HMRC letter to prove we don’t claim childcare before they will commission valuation. The surveyor we are using is not on the…
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Leasehold extension
Hi, I've got just over 80 years left on the lease of a flat and so I think I urgently need to get the ball rolling for a 90yr extension. I'm reasonably competent financially but I think that this is probably a job best left to someone who is professionally competent in this field. Can anyone give me a recommendation? Chris
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How long to wait for vendor's solicitors to be confirmed?
Hello, We are first time buyers. Our offer on a property was accepted on 15th of January and our mortgage application was approved on 27th of January. The property we are buying is being rented at the moment and the tenants have been given a notice on the same day our offer was accepted (so we have been told). Whilst…
