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Tenancy Deposit Protection - misleading info given
Hi, Thank you for this amazing service. Before my question, some useful context * As one of the tenants, I signed an AST contract for 12 months in 2016 which also had a ‘“Prescribed information’ which mentioned ‘Tenancy Deposit Scheme (TDS)’ and gave its contact details. * Following the signature, I paid £ 2362 for the…
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Buying Home from Parents
I currently live in a house I rent from my parents. I am considering purchasing the property however I would want to spend some money on it (e.g. convert the downstairs cupboard into a toilet) The market value of the property is £110,000 but as I have been renting it for so long they are happy to sell it to me for…
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Advice on help to buy loan ATP please
Hi, we have received our mortgage offer from Barclays and are now awaiting the help to buy loan ATP. We were advised there are delays with applications due to them changing hands. My question is, as we have received our mortgage offer, would there be any reason for our help to buy loan application to be declined? As the…
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Certified Copy of Marriage Certificate
I'm in the process of selling my house and have been asked for the following; Please
can you obtain an certified copy of your marriage certificate from the registry
that you were married at to prove your wife’s change of name. What am I actually being asked for, and how can I get it? Google gives me too many answers!
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Subsidence or nothing to worry?
Good afternoon, I am buying a house and I discovered few cracks to the walls. Seller solicitor don’t want to pay for structural engineer rapport to confirm subsidence issue and I don’t want to loose £600-£1000 just to confirm what I already seen. Could you look please at my pictures and give me some advice if is any chance…
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Have both a help-to-buy ISA and Lifetime ISA open at the same time?
Hi All,My partner and I are looking to buy a property in the next few years. I have a help to buy ISA (which i have had for a while) and my partner has a lifetime ISA. Ideally, we want to buy out of London and and are looking to buy a property approx £450k - for me (with the help to buy ISA) poses a problem given the house…
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Is £500 rent affordable on £1650 take home income?
I've recently started a new job and want to rent my own place, but I just need a sanity check on how affordable this will be. I don't drive, and will pay £50 for a monthly bus pass. Does this sound like a reasonable amount to pay on my income?
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notice from private landlord
how much notice does my private landlord need to give me .. he has given me 2 months
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Buying out siblings share
My mother is leaving 50% of her house to me and 50% to my sibling in her will.I currently reside in the house and my sister has a home with a mortgage that she lives on with her partner. I want to buy my siblings share of the house which going by recent sales in the same street would be @£100,000 so I would need to give…
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Might lose contract exchange due toBuilding regulations certificate delay
Hi We currently in the process of buying a new home and we are at contract exchange phase, by now we should have exchanged contract and move in. But our solicitor is saying we cannot exchange contract until the developer get a Building Regulation Certificate. The developer solicitor are saying they have an NHBC cover and…
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Electricity bill for empty let flat
Hello,I would be interested to have your opinion on the following.I have been letting my main flat for the last 5 years in a fully managed contract with a letting agency.Last summer my former tenants left, my flat was empty during 6 weeks whilst the agency was looking for new tenants. I quickly went to check everything and…
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Peppercorn rent and the silent leaseholder
We've lived in our house for five years, paying a peppercorn rent every January. For the first three years an estate agent, acting on behalf of the leaseholder, sent us an invoice in December and we paid it in early January. In the fourth year, we didn't receive an invoice. I made several calls to the estate agent and was…
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Is it possible to find the area (sqm) of a property using its address?
Hi, is there a government site or other site that shows the area of a property if you provide the address? A few neighbours and I are in the process of challenging our council tax band. Even though we are living in flats in an area full of houses (many of them very large), we are in the 3rd most expensive tax band and this…
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Paying more on Mortgage Question
An example: I have a mortgage of £150,000. Been paying it off for the last few years so now it's down to £135,000. If I won £100,000, could I use this to put towards the mortgage without messing about with overpayment mortgages? Or is that the only way? Thanks
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Defending myself against my ex landlord in small claims court
Hi My ex landlord summarily ended my tenancy of over 5 years in 2018 because he wanted to sell his property for personal reasons and gave I believe 3 months notice. I found and moved into a new property a month earlier than the eviction date and handed back the keys. The letting agent then contacted me around Jan 2019 and…
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BUY TO LET... STAMP DUTY... Reclaim? Possible?
Hi, I owned 1 property jointly with my wife previously. We purchased a buy to let property now and paid the higher stamp duty as per the government rules. Just wondering... If we sell the buy to let property we just purchased within 3 years, can we claim the stamp duty back? I assume not as it is not main our main…
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Moving abroad but need to rent out my house
Hi. I have read pages and pages of stuff but my head has now blown up with all the reading. I’m going to move to a Dublin, but I need to rent out my house. I will be paying 40% tax in Ireland so does that mean I will be paying 40% tax on the income I receive? I will be asking my lender for consent to let and will be going…
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If landlord doesn’t have permission, does this void the tenancy?
Hi I have found out my landlord doesn’t have permission from his mortgage lender to rent out his flat to us. We would like to leave this flat earlier than in the tenancy agreement- as he doesn’t actually have permission to rent in the first place, is the tenancy agreement actually void and we can give notice and leave?
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Selling in France returning to the UK
My mum is selling her house in France and moving back the uk. She has already lost a lot, step dad passed away and the house has taken a fair chunk of their life savings so I’m trying to find the best way to get her sale proceeds back to her UK bank. A foreign currency exchange service seems logical payment straight to…
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Too old for a Lifetime ISA
I'm 47 and a first time buyer, am I too old for a Lifetime ISA, or is there another scheme that can help me. Cheers.
