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2 year or 5 year fixed mortgage
Hi, With the slashed in the interest today with the bank of England, I am thinking of going to 2 year fixed rate for our mortgage in 2 weeks time. is that a best idea? or just go 5 yr fixed as with the brexit thing and virus and all.
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Different price
Hi, currently there are 3 plots available at a new build development. 2 are priced at one price and the third at a different price, a difference of £500, is there a reason for this? Build stage, garden size? thanks.
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Buildings insurance on repaired PRC house
We are purchasing a repaired PRC house, and am trying to set up buildings insurance; it asks if it’s standard or non-standard construction...if it’s repaired, is it now classed as standard construction??
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Agent would not take the property off the market until survey (bank valuation ) is done.
Hi, FTB here. The agent just told me that they do not take the property off the market until the survey is done. She wants me to ring my broker and speed up the mortgage application but I am worried what if another offer comes while I am waiting for my mortgage offer and my effort and resources will be wasted. Pls advise,…
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Excessive Freeholder Charges
Help please, I am currently selling my leasehold flat and the freeholder has hit me with massive admin charges £ 7000. He has said 140 emails have been action-ed by him over the course of 1 year but they have not come from me. He states they are from solicitor and estate agents and that he can charge £ 130 per hour part of…
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Me or estate agent
If someone has took an interest in buying the house, should you make them go though the EA to make an offer or speak to you personally if they want to?
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Contract Signed Date not confirmed
Hi all I will just jump right in We are first time buyers and put offer in on house the first week of Dec accepted the same day. We were told when viewing seller wanted to be out by end of Jan start of Feb so we said to ourselves it be Feb. It is now March and we still dont have a completion date. We received contracts on…
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Help To Buy declined.....
My Help To Buy loan has been declined...... The Property Information form (PIF)/Reservation form submitted will require the following amendents: The case has been declined due to insufficient funds from the developer. Anyone know what this means? What funds does the developer need to provide?
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Getting a mortgage without a completion certificate?
Hi, We are currently in the process of buying our house. The house has been built by my wives parents and isn't quite finished, it's liveable as we are currently in the property. We should have the temporary habitation certificate any day now but we don't have the completion certificate. We've had some conflicting…
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When the solicitor is the executor of a persons will, how do they decide how to sell the house to?
I have found this question to difficult to google, so I am hoping there is someone with some expertise on here who may be able to help. We have been trying to buy a house in areas that are highly in demand because of good school catchments. We have been looking for a year and missed out on quite a few properties. We are in…
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Where is the long have a look at these hideous houses thread?
thanks i cant see it. I have looked honest.
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Help to Buy ISA bonus and Deposit
Hi All, I have a query about the help to buy ISA bonus. Myself and my partner are first time buyers. We each have our own HTB ISA and we are around 2 weeks from completion. Our solicitor has requested we get a letter of closure from our ISA providers which we have done. We each have around 10k in our ISA but we dont need…
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Got to exchange and found out buyer doesn't have mortgage (shared ownership). Anything I can do?
How does this happen? The sale has been going on 5 months. We recently signed contracts and were told that exchange was 1-2 weeks. Everything then went silent and I have been chasing our solicitor daily. Eventually today he responded to tell me that the buyer had changed solicitors and he didn't have the details. It's a…
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Advice for Sealed Bids?
Me and my partner are looking at buying a bigger house in the local area, we found one the day it went up and arranged a viewing for it, the house is needing a LOT of work done to it which I assumed would have possibly put folk off. We jumped straight in and put down a verbal offer and were awaiting a meeting with the…
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Moving house in April. Worried about COVID-19 lockdown!
Hi peeps! Like the title says, we're due to complete on 3rd April, but the way things are going at the moment, it looks like the country might be under some sort of lock-down by then. :open_mouth: Has anyone heard anything about what plans solicitors, estate agents, and removal companies might have for such a situation?…
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What is the right date to give notice?
We pay our rent the 25th of every month, having originally moved in on the 25th back in 2017. We were quite content to carry on with a rolling contract, however our landlord wanted to re-mortgage the house last year and to do this we were asked to sign a new AST (to help him get the mortgage) this AST ends on the 12th…
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EA called to state the house we've shown interest in is under offer - help!
Hi all, Our property is on the market and we've received a lot of interest, around 5/6 viewings per week so far (went on last weds). We viewed a house we like twice which has been on the market since October. It's perfect and we really want it. Our EA is selling ours and theirs, they called me earlier to say a FTB has put…
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Want to end contract with letting agent
Hi, we're having some issues with our letting agent and I need a bit of advice to see whether it's worth paying for a solicitor to get involved. When my husband and I decided to buy a house together he already owned a house but it was in negative equity so we had to keep it and rent it out. We used a letting agent who was…
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Emergency Cut in Interest Rates - when/if will this affect mortgage offers?
So announced this morning: I'm hoping to get a mortgage application submitted in the next few weeks, how/when/if is this likely to affect mortgage offers out there?
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Shared driveway - workaround or avoid?
Hi guys, FTB here seeking some advice. My partner and I are going to view a house that looks to tick a lot of boxes and is under budget, but I think I may have discovered why in the form of the shared driveway. The house I grew up in had shared parking on a private road which should have been enough for everyone but still…
