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NatWest not offering all deals
I have a current NatWest fixed rate mortgage that is coming to and end, and I’ve been on the NatWest website as a new customer looking to remortgage and there are a few really good deals that I would like to fix to. However when i go to manage my account online, and the see new deals I can sign up to, it seems I get…
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First time buyer stamp duty
Hi there, Looking for some advice as me and my boyfriend are looking to buy a house soon. I'm a first time buyer, however he already owns a house which he would likely rent out when we move in together. Is there any way to avoid paying the extra stamp duty for a second home? Say if we were both on the mortgage but the…
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Un-registered House with Deeds lost by Solicitors
Good evening, I’m not sure if anyone will be able to help but got everything crossed. My Nan recently passed away leaving her property behind to my mum and aunt. Following probate and Letters of administration, they’ve now come against the brick wall of lost deeds for the property. They have records that the deeds were…
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First time buyer
Hello, First of all hope everyone is keeping safe out there! I am looking to buy my first property and get on the property ladder house is around £190k. On my own there would be no way of getting a mortgage for this amount so my parents said they would own 50% and pay that in full then I take a mortgage on the remainder.…
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Issue with front garden ( joint freehold)
I share the freehold of a house that has been converted into two flats ( upper and ground floor). I own the upper flat which overlooks the small front garden. It had a tall privet hedge which had become very leggy and only grew at the top (6’) so I gave it a really hard prune so that it would regrow from the bottom and be…
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Tenancy agreement contract
Please advise, Owing to Covid19 I have to temporary move to
my mums to support her and I will be one of those getting 80% of my salaries at
the end of April. I am trying to negotiate with my landlord that during the
period that I wasn't in the house can I not pay for utilities bills as the
monthly rent include utilities.…
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solicitors refusing to provide statuatory declaration
Hi, i have one final outstanding enquiry on a property puchase, and it is regarding the unadopted land over the rear access of the house. Basically there is an access pathway for homeowners crossing the back of the row of terraces. My vendors solicitors have drawn up a draft indemnity regards this, however they are…
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How long will the process take now?
So we have bought a new build where the developer has part exchanged our house. This all happened the day of lockdown guessing the developer got desperate and we ended up getting a good deal (we think). There are 3 of them with one of the others being sold. We have an official mortgage offer and the mortgage company did a…
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Buying Sister in Laws house.
Bit of the back story first off. My sister in law Vicky purchased her house with her parter 18 months ago. They have since split. Her partner was the one to leave the house so it has fallen on Vicky to pay for everything. She has realised quite quickly that she wants to leave the house for both financial reasons and also…
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Am I paying too much ?
content insurance for 2 bed flat with “a plan” which have some relation to aviva is £130 I heard that’s too much, is it ?
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Property Purchase Question
My next door neighbour has a seriosu mental illness and i was hoping to ask about the possibility of purchasing the house for a VERY low amount (this is all i have) but based on the condition that he gets to live there until he dies or moves into a home for exmaple. I know this is more popular in France than England but i…
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Deposit not put in a TDP
I will start by saying that this information is coming via my brother who is not one for sharing a lot of detail He recently has moved out of a flat he shared in London, they have been waiting to get their deposit back and have just discovered that their deposit was not put in a TDP. His (now ex) flat mate has spoken to a…
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Should I go through with house purchase in the current climate?
I am nearing exchange date. I have a large deposit and a 5 year fixed rate mortgage in place. Transaction is not part of a chain and I am a first time buyer. Just wanted to see if anyone is in a similar situation or has any views on this. My concern is that holding off may prolong getting on the ladder even more, due to…
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Help to buy isa bonus
I am mega confused as I’m getting different answers from all over. In regards to the bonus it is paid on completion and it states that you use it towards buying first home. How can you use it when you don’t get it until completion. I’ve talked to nationwide via chat and it doesn’t make sense as you pay the deposit before…
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starting renovation to sell
I've always wanted to purchase a property that needs renovation (nothing structural) and sell on. I understand that people say that homes under the hammer is not a realistic representation of buying to renovate and sell. Under 'real life 'situations, has anyone got examples of whether it is feasible to make a good profit?…
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If you negotiate a price down, do you need a new mortgage offer?
I'm halfway through a purchase (mortgage approved, survey done). But everything is paused, as we know. If, when things start moving again, the market looks a lot worse, things are cheaper and I try and get a few % knocked off the price, would that mean having to get a new mortgage approved? Or does it not work that way if…
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Help to buy scheme
Hi all, I’m wondering if anyone can help me since I am struggling to contact my preferred financial advisor. My fiancé and I have seen a home that we love and planned on buying one off plan. However, the completion date is likely to be after March 2021 when the Scottish Help to Buy Scheme ends. What I would like to know is…
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Are any chains exchanging / completing at the moment?
Basically as the title asks, are any chains exchanging / completing at the moment? If there is a chain (of any length) are solicitors allowing this to happen? Or is it only 'single moves' into an empty property that can go through?
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Do estate agents have to tell buyers about previous convictions?
I’ve bought a house and found out that the previous owner was a convicted paedophile and the estate agent knew about this but did not disclose this to me. Should they have?
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Georgian house purchase that needs renovating
Hi everyone. Looking for some advice. We currently own a property that we are about to list for sale. We anticipate in clearing after fees about £80K to £90K During our search for our next property, we have discovered a Georgian house that needs renovating, it currently has no working kitchen or bathroom. The purchase…
