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We are meant to exchange today but...
A few questions. The seller refused to include the cooker in the sale despite advertising it as included. Fine - can accept that. We asked to make an offer and they returned with a ridiculous price (£1k) online refurbished warranty covered ones are ~£500. But today, before exchange, they've included the extractor hood in…
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District Valuer
Hi there I want to buy my council flat under right to buy scheme, and I have received a valuation from the council, the council said to me if I am not happy with councils valuation I can apply for second opinion which is District Valuer, but should I apply for District Valuer and hoping they valuation is Lower than council…
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Insurance
My mum has recently transferred the title deeds of her house into my sister and my names but now can’t insure her property. When we try to insure the building in our names the premium is very expensive more than 4 times what my mum was paying? Does anyone know how to get round this? I’ve been told landlord insurance is not…
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New build complete before ready?
Amid the current panic I am wondering if we can complete before moving in? Only waiting for painting and decorating and garden. Mortgage offer expires in May so panicking if site shuts down. If mortgage extension required, do they recheck credit files/bank statements etc? Thanks!
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CGT calcs for owner/occupied home, which is later rented out?
Hi Guys I have query that I hope someone can help with. We bought our London flat in 2014 and it’s our main (and only) residence. However, we are now looking at moving to another country. We will not sell our London flat immediately. Reason being that we might hate the new country and want to return to London and we would…
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Looking for ways to increase the value of my flat
I own a 2 bed flat with loft access. It is a leasehold flat. I've been living here for 6 months and want to sell when it comes to renewing my mortgage which will be in a year and half time. In my opinion, there are lots of things that need doing which I have listed below but with a tight budget of £5k and the plan to sell…
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How do I turn my mortgage into a BTL and buy another?
Sorry if this has been asked previously I did have a look but struggled to find anything. I’m nearly 4 years into my first mortgage (2x2years fixed) on my first ever house purchase. 2 kids later and it’s getting a bit small for us so want to buy another larger house but also keep this one to let out.House was bought for…
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Bad time to buy a house?
Hi there, I am in the middle of purchasing my first property...my application has been approved subject to the valuation survey. With the coronavirus crisis escalating, and general chaos this is causing, would it be a bad time to purchase a property? I ask this because I fear there may be a recession looming and the…
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Renovation forum?
Does anyone use any forums specifically for renovating houses? We are completing next week on a very neglected Edwardian semi that needs a lot of work and a full renovation really. I have had no luck finding forums where others are doing the same and give advice and support! It’s the biggest project we’ve ever done and the…
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Solicitor " i am just waiting to hear back from the lender on 2 points confirmed to them"?
My solicitor has said "i am just waiting to hear back from the lender on 2 points confirmed to them" What does that actually mean, what types of things do the solicitors ask the lenders?
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Buying a house , But I won’t live in it for now!
Hi All, I hope you can all help, I currently live with my Nan and plan to stay here as Leaving would leave my Nan alone which I don’t want to do . However I do want to get myself onto the property ladder , I would be a first time buyer. So that in the future I will have somewhere to live. if I buy somewhere what bills will…
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How much to offer for house? Anticipating mortgagee's valuation?
Been looking at the following house. EA said current offer is £125k and vendor would be looking for more. It went off the market a while ago, and recently came back. EA said there is a sale proceeding on the property, but taking long so vendor has asked to re-advertise in the hope a buyer may come along looking for a quick…
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Possible fraudulent EPC provided by landlord - what can we do?
We are renting a one bedroom flat, and I recently started a thread regarding our ongoing problems with heating and electricity. To summarise: we cannot heat our flat to healthy temperatures and getting £300-£400 per month in electricity bills. The flat has only very costly electric heaters, very high ceilings (we're on the…
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ID / AML verification.
In the documents sent to us by the solicitor there's a statement following the documents and 'information' required (passport + bank statement + NI number + address): ''Your details and documents will be verified by a third party verification service.'' Can anyone shed light on the / any particular verification service…
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New Build Flat in Barking or Ilford
Hi all - I am a first time buyer and I am looking to buy a flat in London via the HTB scheme with a maximum budget of £300k. I am quite flexible on location but hoping to not go out further than Zone 4. I am currently thinking of looking in Barking and Ilford as there are new build flats in these areas that are within my…
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Unsigned tr1 by ex but solicitor has sold now what?
Hi So me and nearly ex have been to and fro with family solicitors. We (he and I) agreed to sell the family home, it sold in 24hours it was totally rushed through(buyers wanted it ASAP) quicker than our consent order that we still haven't got with the written agreement of the house details. He left the home 18 months ago.…
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Lease Advice for Freeholder
We own the Freehold on our property which is a detached house split into 2 flats. We have a lease on our flat and the the owner has a lease on theirs and they pay a peppercorn rent to us once a year. We are in the process of moving (we are going to rent out our flat and purchase a new property) and we have been told that…
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Conveyancing. Draft Contract & procedure query
Hi all, we are four executors/beneficiaries and have sold our inherited house STC. (All interactions are very acrimonious.) One of us appointed herself in charge of dealing with the conveyancing solicitor and doesn't communicate. Today the estate agent of our house emailed to say that the Draft Contract had been sent to…
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Former landlord harassment
Hi need a little advice my former landlord is constantly messaging through Facebook threatening to add family mentioning my kids names trying to add my girlfriend etc I've offered to pay money thats owing hes refusing any offer I make is he allowed to act in this way it's getting stressful now I've tried to offer a…
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Mortgage Valuation Prep Question
A house I am selling has been downvalued by 30 k. I had a previous buyer where the house got valued twice at asking price but they had a 80% LTV. Although it fell through in the end. Current Buyer is asking for a 90% LTV. He is applying with a different bank and I am paying for the valuation. My question is: Before the…
