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Purchasing small plot of land from Neighbour - Basic process, avoiding Solicotors
I have an agreement to purchase a v.small plot of land from my neighbour 2ft x 8ft. This plot already looks like ours (They already have a fence in place which makes it look like it not even in there plot). This is potentially a very east process, so i'm looking to move this forward ASAP at a smaller cost as possible. Do I…
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Tenancy in common / Joint tenancy query
Hello all, For the last two years, I have had a mortgage on a property and have lived in it with my partner. I put down 100% of the deposit two years ago and have been paying 100% of the mortgage up until now. My partner and I have 50/50 contributed towards living costs (i.e. bills, food, etc). My partner has been a…
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Funds release day
Today is the day funds get released from nationwide. Did your mortgage appear on the banking app on the same day or is that later on? We can’t wait to get the keys tomorrow. Be moving essentials over first as we need to have it occupied for insurance purposes. We are going to decorate the bedroom first and sleep in the…
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Need to replace exisiting white goods yet no inventory list or mentions in contract
Hi, I moved into my flat 2 months ago and it came with a fridge freezer, washing machine and huge dining table. The washing machine has never worked and means I am having to make regular trips to the public laundrette which is risky due to covid-19, id rather stay home and wash. The problem is that my landlord is just…
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First time buyer fees
Hi, Me and my partner are looking to buy our first house in the bear future and I would like some examples/estimates of the fees we would need to pay upfront as well as our deposit? We're looking to buy at around £100,000-£110,000 Mark with a £12,000 deposit. Cheers
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Renting 12 months - what next?
Hello, I moved into a house by myself with tenancy start date 7th June 2019 which stated for 12 months with no break clause. The rent is £1000 per month. I have never been in touch with the Land Lord directly or had any need to. There has been a leak from the bathroom which was reported around 20th December 2019. It is…
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Openrent
Wanted to share my thoughts about Openrent. Seem like a economical system to use. I noticed that Openrent threaten to cancel adverts without good reason at times.
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Issue with new home garden - What can i do?
I bought a new house 13 months ago and after only 3 months it was very apparent the garden had some drainage issues, excess waste very close to the surface of the soil, very low quality soil and to a very low depth. In August after months of to and fro the builder and the ground work company (After intially lying, saying…
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Tenancy agreements
Hi, I currently rent a student house with 6 others. The contract we signed ended on the 30th June but one housemate enquired about extending this to the end of August, which we had discussed. I never received anything about this, we were never contacted individually asking about this and never signed anything else. Yet…
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Rented council house
I live in a rented council house and they are refusing to repair a hole in the roof and insulate the house I had a inspector round and he admitted to me loft needed it and a brick was taken out of wall low down and there was a small amount right at the bottom crumbled up but they are saying walls are insulated it is…
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House title plan query
Hi everyone, after some advice. Currently going through the process of purchasing our property, we have received our mortgage offer and searches have been applied for. We downloaded our own copy of the title plan, which shows that we don’t actually own the land to left of the property, which is currently part of the garden…
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Being a self-employed lodger? Will it affect capital gains tax for landlords?
I recently moved into a house as a lodger, just before the coronavirus crisis hit. I was an employee, never doing any work from home. However, I have taken unpaid leave for health reasons. I'm vulnerable to covid-19 but not so vulnerable that my employer was willing to give paid leave. However, I'm well-educated and…
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House surveys - when are they likely to resume?
We offered on a property just before lockdown in mid-March, and payment was taken but the Homebuyers survey never got booked in. We are nearing exchange now, and obviously have not had a physical survey on the property we are buying, which was is an ex-council house built in the 1960s and has been in the same family for 60…
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Looking to buy first house
Hi , im looking to buy my first house and looking for a little advice. I’m currently working my way through paying off all my debt so that I have nothing outstanding when I come to apply this summer. My wife’s credit history is really bad so no way she’ll be able to get a mortgage with me, will this effect me being able to…
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Sending a deposit. Barclays. CHAPS
Does anyone know how many CHAPS payments I can make a day. I just found out that it's limited to £50,000 per transaction...... but is this also the daily limit? This is with Barclays. I need to send my large deposit to my solicitor by ~midday tomorrow and with a £50,000 limit I need to send 4 transactions.
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Bungalow extension built over a public sewer - no permission from water company?
Hi All, My dad is in the process of purchasing a bungalow with a large rear extension built fairly recently (2014). His solicitor has found that there is a public sewer running to the rear of the property and believes the extension has been built over it. The extension looks to be all completed correctly with Planning…
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New build house not finished
Hi all, we moved into a new build property in February. The property still isn't completed. There is no driveway, the outside boundary walls needs finishing and there seem to be 100s of other small jobs to finish. However, the builders have already started building the next two houses and have apparently abandoned ours. I…
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Is Freehold Terraced House > Leasehold Flat?
If you had a development with 2 options: Freehold Terraced 1 Bed House for £220,000 Leasehold 1 Bed Flat for £190,000 Same location. Would you invest the extra £30,000 in the Freehold house? I'm asking for investing purposes but feel free to answer even if you were not doing it for investment purposes (i.e. for yourself to…
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help to buy ISA
hi all, i was under the impression that the government bonus from a HTB ISA could be used for whatever you like? i know it can't be used for exchange deposit but i thought you could use the bonus for renovating your new house etc? Or is it merely for the completion deposit?
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Opinions Please.
My old house has been let out, Tenants were S21 and thankfully left quietly just before everything went south, (far from ideal tenants). Original plan and knowing what a state they had got the place in was to have a couple of months doing work on the place and then to put it on the market. I am just completing the first…
