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When to buy?
Hi everyone, Me and my wife (both 27) are after a bit of advice. We want to buy a house and have around a 10% deposit mark for our target area. We are currently living with our parents in order to maximise savings. The question is when do we buy? We have a 10% deposit as mentioned before but should we stay put and save…
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tenacy agreements and keeping upto date with changes
Hi all,Was wondering how we can best keep upto date with all the tenacy laws and regulations that are changed as they arent advertised anywhere.Also is there a place that we can create a tenacy agreement either from a template or scratch kind regards Mark
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Springbok Properties - Premium Fast Sale - a good idea?
Hi I've found a house for sale for OIEO £40,000. The agent, Springbok Properties, says it has a buying system called 'Premium Fast Sale' with these benefits: o "Works like a normal sale with a few security measures for both parties o Focuses on speed o Realistically priced properties o Buy and secure it now option…
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council house policies
Hello all I have a share ownership mortgage (2 BED ROOM FLAT). I have 4 children and my partner as well. I have tried all possible means to get a 3 or 4 bedroom house but it has not been possible. my self and my partner salaries cannot afford it. is it possible to get a property from council. i dont mind to give my flat to…
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Switching buy to let mortgage
Hello, I would like to know if anyone can advise on how you can switch buy to let mortgages to residential. I own a buy to let property, which I moved into a few years ago. I informed Santander. However the interest rates are a little high and I want to know how and if switching can be done? Would I have to get another buy…
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First time buyer
Hello, was wondering if I could ask for some advice. I’m currently saving up for a mortgage, finding it hard with the house prices being so high in this part of the country (Bournemouth and Poole area) so need a larger deposit, is there any help for a first timer buyer, I’m 30 years old still living at home and it’s almost…
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New house furnishing and appliances shopping advice
I just bought my first house. It's a nice 3 bedroom detached house with a large wrap around garden. As the house is empty, I will be spending a large amount of money for furniture and appliances. Therefore, I am wondering what would be the best strategy in terms of money and time savings. When it comes to HOW to buy, here…
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moving house checklist
Hello everyone, I just bought my first house. It's a nice 3 bedroom detached house with a large wrap around garden. As the list of the things I have to do seems overwhelming, I decided to post it here to verify. I would appreciate if anyone can pinpoint anything important that I might have missed. Here is my list: 1.…
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Estate Agencies sole selling rights
Hi all I got pressurised into signing up with Express Estate Agency and then noticed their 9 month sole selling rights after contract termination, later on, after reading the small print - this wasn't pointed out nor explained to me either by the sales rep. My question is that it says that "If Unconditional Contracts are…
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Tenants in common with Mum, lots of questions.
Well this might be a little bit backwards from usual parent child tennants in common. I want to help my Mum afford to buy the house she wants so she can live near me when my baby is born. (She currently lives 100 miles away) It was her idea to move closer as her other grandchildren are growing up and my other sibling who…
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Can property ownership shared proportion different from mortagage shared proportion?
Hi everyone,a quick question, my wife owns the property of 80% and I own 20% of the property, currently it's mortagage free. We would like to remortgage the property to get some cash. However, my wife is housewife and the rental income is only her income. I would like to be responsible and pay for 100% of mortagage every…
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Doubling Of Ground Rent On Leasehold Mortgage
A couple of
years ago I purchased my lease hold flat from my old landlord. I must pay an annual
ground rent of £240. Last year the
flat beside me was put on the market and the tenant duly left. The landlord of
that flat happened to be in the company that looked after the ground rent
collection. He wanted to leave this…
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Help to buy
Hi. We have got a help to buy isa with a few hundred in it but we're about to come into a lump sum of money, around £15k. We really don't want to miss out on the government top up but as far as I'm aware we can't put the lump sum into the isa. We haven't got the Time to put £250 a month into it either as we want to buy in…
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Offer made, survey and all searches all done, but vendor has put the house back on the market
Hi all, Looking for some advice here. I put an offer in on a flat which has been on the market 8 months. My offer was accepted and I immediately appointed a solicitor who has undertaken the searches. There are 5 flats in the block and it transpires that 2 of the flats are freehold and 3 are leasehold with share off…
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Rogue Estate Agent or just Overpriced?
Article https://www.bbc.co.uk/news/business-51659011 Complaining their house is over valued, unbelievable. No insight what so ever why they had no offers or enough viewings Rubbish Agent or not, if your house is not priced right your not going to get a bite
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? Council Housing...?
I'm not sure what subject this question would come under, this is the most relevant to the situation so i've gone with this, apologies if I've got it wrong. Also, I do understand this may be lengthly but I'd rather have all the details said. Start of November I had been kicked out of my family home, luckily since I have…
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Above asking price offer on house refused
I am a bit confused and seek help! I've been house searching for a while. A few weeks ago a lovely house came on the market. I inquired and was told it was proving to be very popular and would likely sell within a few days. I therefore made a long journey to view just the one property, living some distance away. The…
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Sale of house
Hi my mother is selling her house a nd buying a flat the money that is left is going to be shared with family members my mother was going to put the money in my account so I can share it straight from the sale will I get taxed on that money
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CGT come April..
Hi, Wondering if anyone is kind enough to share their knowledge on how to calculate CGT on a BTL property? I am seriously thinking about selling in the next few weeks. I’m really kicking myself as I will now have to pay the new CGT tax rules come April because i didnt research sooner.I bought my first house in 2015 for…
