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Rent Arrears No Communication from Landlord
I got into some arrears with landlord due to a change in circumstances that a major devastating impact on my life. Despite this I tried to catch up and I repeatedly asked for rental statements and updates on what the situation was over a 13 month period with no response from letting agent. Letting agent at no point chased…
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How best to pay off a loan early?
I have taken out a loan for 3 years but I’m looking to clear this off in about 12 months in order to pay less interest on this. Is the best way to save the money aside each month until I have the balance to clear this or make extra payments each month on the loan? I have the option on my account to see the early repayment…
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Covid-19 - new house build (not built yet) and exchanging contracts
Hi We are at the stage where we have paid a £1000 reservation fee, got a mortgage offer however that is due to run out this month. We have only just received the mining report and the solicitor is advising us not to exchange with the current situation. The housing developers are wanting us to exchange, however at the…
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solictor advised not to reduce offer-would you?
few weeks away from exchange. fortunate to be putting down 25% deposit , with enough funds left for a new heating system required in the property. we are now concerned about the current economic crisis, and asked solictor if concerns about partner potentially losing his job and wanting to keep some of our deposit back for…
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Renting out a room
I have a lady friend that wants to offer a room to rent in an apartment that she owns, she lives in one of the rooms herself,can anyone give any advice as to what would be the best way for her to find a lodger,are there any particular websites,she doesn't want anyone that is on DHSS
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COVID advice -renters
Hi all. Im a mother of a 19 month old boy and work FT (but have been furloughed as of this morning due to pandemic). My HB, son and I live in a rented flat which is (was) approx £200 below our means (on purpose so we could save!) Prior to this pandemic, we were on track to buying our first small 2 bed home in Autumn. We…
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How to research up and coming residential areas?
Evening all. I have just sold my house at auction and exchanged last Friday, hopefully will complete in eight weeks dependant on restrictions. I'm a widow on my own, and could move anywhere in the country. As it is my final move and I hope to be able to leave the house to my children, I want to choose wisely. Any…
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Second home stamp duty on separation - retaining interest in family home
I am separating from my partner and will need to buy a new property. I understand I will have to initially pay the additional stamp duty. We have a joint mortgage on the family home, which my partner will be staying in with our son. I will come off that mortgage but will retain a financial interest in the property by way…
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Rent Increase During The Coronavirus Pandemic
We have heard that banks are to provide a 3 month mortgage break, and that Landlords are nor allowed to commence any legal action against tenants for 3 months because of the financial uncertainty at the moment. Is there anything to stop Landlords increasing rent during this period? I received an email today, advising of a…
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communal drains
had a drain survey in our property we are currently in process of buying ( mid terace property )- , there are 2 drains in the back garden and for one of them it states "the communal RWP located on neighbouring property enters the chamber" Would this out you off? Is it a potential problem if you don't get on with your…
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Changing mortgage pre exchange
My chain is currently at a halt !! I've yet to exchange and have a 2 year mortgage fixed rate offer in place. Under the current situation, I would like to change this to a 5 year fix. Interestingly the lender has withdrawn it's 2 year fixed deal in the past week, I'd of thought that the lender would be happy for me to do…
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Gas safety check & CV
My gas safety check is due. My landlord has said they are still carrying them out, unless there is a case of CV in the household. I guess they are considering the risk to their engineers, however I am worried about the risk to me of an engineer coming in. It is a small flat and they would need to walk in through the narrow…
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Missing Exchange of Contracts deadline
Hi People, First time buyer here.... The deadline for me to exchange contracts is on Monday. There is still some things to do such as sign and send back some documents, pay the deposit....so this deadline will be missed. I have googled about missing this deadline and it seems like it's common and nothing to worry…
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Help to buy ISA closure
My son was part way through buying his first home when the isolation kicked in. He had closed his help to buy ISA and has been given a year to get the bonus. under current climate as he's not exchanged it seems prudent to put things on hold. if the deal falls through and he doesn't find another property then he's at risk…
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Joint ownership predicament, buying out my ex
I split from my ex about 12 years ago, she stayed in the house we jointly own, rent free but I haven't been contributing to maintenance costs. I paid the mortgage off before I left. Kids are all grown up and in any case they spent more time with me! We agree when we split that we'd sell the house and split the proceeds…
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Changing Mortgage offer FTB
Hi all, Ok I've been waiting almost a year on purchasing a house for one reason or another (all to do with stuff in the chain, I've been ready ages). It's now almost ready to go with an exchange and completion on the same day this month. I'm a FTB with 10% deposit on a flat worth £170,000. My mortgage offer is in place and…
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Help to buy End of financial year.
We are due to complete next week after finding alternative solicitors. However, I've now come to a standstill again as we failed to complete before the 31st of March and the developer has had to register and resubmit his forecast for the next financial year. I'm now panicking as I've just read the developers registration…
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Clause in AST to not allow to use loft as living space
Hello, Due to our house sale falling through for a third time, (we already moved abroad) we decided to let the house out for a couple of years. We already found tenants. However the house has a loft room with an ensuite. No doors and a ladder leading up to it. It is only rented out as a 3 bedroom house not 4 bedroom. We…
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Neighbour ignoring council instruction to move fence
Hi,I'm hoping to get some advice. Basically, we had new neighbours move in last year - their property bordering the end of our, and our immediate neighbours, back garden. The boundary, for the last 40 years plus, has been a row of fir trees that have gotten rather large over the years. Our new neighbours decided they…
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Private Rent
Can a landlord suddenly decide he wants u out of a property, my rent is fully up to date, during this lockdown for the Coronavirus outbreak
