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Help to buy
Hello I’d like some information about that help to buy please
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What if a house is found?
We have accepted an offer on our house, the buyer wants to be in asap, by the end of May is their target. We cant find a house that we like enough to buy and dont want to purchase a house for the sake of having somewhere to go.. We have decided to stop pressuring ourselves and sell this house (we dont want to loose these…
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Renegotiating purchase price after survey
I am a FTB in the process of buying a 2 bed flat in London for around 600K. The flat needs a complete modernisation. As it is an old building, I paid for a comprehensive survey. I am yet to receive the report but the surveyor has sent me an initial email explaining that, although the price is reasonable, it is at the much…
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Update on friends situation with dodgy landlord. More advice required please.
I have posted before about 6 months ago on behalf of these friends but to save people wading through pages of replies Ive started this one to get advice on another issue. Brief background- . Their landlord has threatened to sell the house but cannot serve valid notice due to several factors, no deposit protected, no Gas…
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Transfer of equity - separation query.
Hi, I'm hoping someone maybe able to help me. I split from my ex over 3 years ago, and she moved out soon after and was able to obtain benefits and get herself a rental property. We initially agreed to sell the property and we then had an offer that we accepted but the buyers buyer pulled out. I was then advised to see if…
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Purchasing ground floor rent - what to ask?
I am going to view the following flat: ww w. dropbox . com/sh/rro05uow7b8fqf3/AABvSgM5X06n21UxC3wxTaJVa?dl=0&preview=DSC_3661-2.jpg It meets my criteria in terms of location and size etc. The only downside is that it is on the ground floor. I am really worried about noise from neighbours upstairs keeping me up at night and…
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House deeds
Soon be paying off mortgage, but as I purchased in 1986, the deeds are still paper. My bank Santander does not do a keep deeds arrangement, so what am I supposed to do?
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Can I have a mortgage on a property but not be the owner?
Hi, I want to to buy a house but until I’m divorced, I’m reticent to invest in my name as half the asset could be claimed by my ex. Am I able to get a mortgage and have the deeds in my parents’ names? They would put down the deposit and pay legal fees etc - but by having a mortgage in my name on their property, would that…
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Help & advice requested for potential buying to lets.
Dear good people of money saving expert forums, my wife and I request your help if you can offer it. I'm about to reach 60 years old and because of a motorbike accident, it looks like I'm going to be taking early retirement because the accident left me disabled and not really able to work as well as I did. The upside to…
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If I am not taking a deposit do I need to provide the tenant with deposit protection info?
I understand if you are taking a deposit you have to provide a deposit protection certificate, and a prescribed information booklet, and what is the tenancy deposit scheme booklet. Now if I am not taking a deposit I assume I don't have to print those booklets for the tenant, correct? Thank you.
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Proof of funds - solicitor
I was given like 15k from my grandmother (overseas) a few years ago. It's sat in my current ISA account for about one and a half year now but was one fixed transfer when I transferred it over to from my current account to my ISA account. A gifted deposit would cause a lot of hassle for my grandmother. As the money has been…
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Leasehold ground rent renewal, what does this mean please
Hi, I will be getting some professional advise soon, but doing some initial research first. I have an informal quote for lease extension, ground rent: Current: £110 pa (although lease says: from 2029 £220 pa, from 2062 £330 pa) New proposed: £200pa subject to review every 10
years in accordance with RPI What does the new…
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HTB vs Shared ownership for FTB
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Nationwide texts
Hi, I'm a FTB that has exchanged on a new build. My solicitor told me on 28/02/20 that the house is build complete with a proposed completion date of 27/03/20. I received a text from Nationwide on 04/03/20 to say that funds will be sent on 26/03/20. I have then received another text on Wednesday stating they have received…
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FTB - advice needed for area close to CW within budget
Good afternoon, first of all I would like to thanks everyone for this incredible forum. It is amazing on how much info I have found on here since I started to follow it! a week ago! As you can imagine, I am another one of those FTB approaching the property market for the 1st time and with 1 million questions in his mind..…
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FTB - 3rd time around- Issues on Mortgage survey
Hi there. first time buyer here. I've already paid for searches and surveys for 2 previous transactions that ultimately failed to complete, so I'm keen to minimise unnecessary spending until I need to! (...breathe) House is a 2 bedroom brick terrace. Bank survey was completed & they're willing to lend but surveyor has down…
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House we are buying as Free Hold turns out to be Leasehold
Hi all, in January, began the purchase of our first house, In the advert and when asking the estate agent we where told it was Freehold, doing a land registry search of the address shows it as Freehold, we agreed on a price and being getting our mortgage and solicitor. in February we got the sellers declaration back…
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Selling my flat - sellers pack needed?
So, I am in the process of selling my flat (leasehold) The buyer's solicitors have asked a few questions based on my lease (that I didn't have access to), for example, apparently I am a share holder in the management company and they need the certificate (I was never informed of such or supplied with such). My management…
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letting agency removed breaking clause from renewal agreement
I am renting through agency for a few years now. When the contract was first signed, we all agreed (me, agency and landlord) that the first agreement would be for a fixed 12 months term, and following agreements would also be 12 months, but more flexible (with a "break clause"). This was agreed verbally at the agency.…
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Buyer pulled out!
Hello, so a few days from exchange and after chasing my EA they finally tell me that my buyer has pulled out!! So no doubt I will lose the house that we were buying, as they are putting it back on the market straight away! We have also told our EA to put our flat back on the market, but in all honesty how likely is it to…
