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What are the consequences of not vacating the house before the notice period?
We have been away in another country and not been able to get back to our rented house in UK. Unfortunately, we do not have a spare key in UK with our friends. We are trying our best to take help from friends to collect the keys from estate agent and help us out. It now seems that we may not be able to empty the flat…
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In the current situation, is it advisable to go 2 or 5 yr fixed mortgage
Hi, FTB's here. We recently had our mortgage offer but we opted for 2yr fixed of 1.69%. Should we ask go for 5 yr fixed instead since mortgage rates are really low at the moment? Anyone here on the same boat with us, how much interest rate did you get? TY
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Major works split
I live on a small development of 26 flats - all privately owned (leasehold) or privately rented. The previous managing agents made a bit off a mess of maintenance and now we have major works coming down the track. The estate is set up with about 12 flats in a big building and 12 self contained flats around the garden (I…
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My rights of way over neighbours drive
I've been using my neighbours drive to access my own drive for 19 years, do I have any rights? The verbal agreement was we could use their drive to access my drive, the neighbour is now selling her property and I am concerned that the new owners will stop me accessing my drive, do we have any legal rights? Kind regards…
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Is there anything to be gained by offering when not proceedable or is it best to wait and see?
Hoping to bid on a house. It’s been on at guide £950,000 since January and was on for 9 months before that at OIEO £975,000. It came off the market almost immediately after dropping to £950,000 and has now just reappeared at the same price (EA says the person who offered had a sale fall through so pulled out). We’ve seen…
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Register of Scotland
I have concludes missives but one solicitor is not willing to proceed at present as Registers of Scotland office is closed and title cannot be registered (settlement should have happened a few weeks ago). I see a digital solution is now in place, I am wondering if anyone can help advise if this solution is the one that can…
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New build management fees
We have lived in our house just over two years. When we brought it we were told about a yearly management fee. They said we would get some communication through about paying it once the site had been finished. Which it now is. We have never received a bill asking to pay. All we have received is a orbit card which is to be…
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Shared Ownership house value
Hi all, My partner and myself had an offer accepted on a shared ownership property in February. The house is new build but was occupied for a year and now back up for sale at the same price as the original new build. The price was fixed. It has been valued and we have had our mortgage offer accepted. We are now in a…
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Land registry restriction
Hi I was wanting to place a land registry restriction on my mum's house while applying for double probate has my power has been reserved. My sister is planning selling the house without my agreement on the price she has probate. Can I place a restriction to stop a sale until my probate is granted or we agree on a price on…
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Fence/Boundary Ownership
We live on a new-build development and trying to find something in writing as to who is responsible for each fence/boundary. We are detached property in the middle of 2 other detached properties. Looking out from the rear of the property we have a fence to the left, fence at the back onto fields and a fence to the right. I…
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When do mortgage lenders release mortgage funds
Hi, we are FTB buyers simultaneously exchanging and completing on our new build property tomorrow (no chain) - eeek! I have had confirmation from our solicitor that our lender (Barclays) will release funds in readiness for completion on Friday. Will our lender send the funds today in readiness for tomorrow, or will they…
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Please help! Ref freeholder and Building Insurance
I really need some help. I bought my first property last July, and after a few months I received a letter from the freeholder asking for £230 for buildings insurance. I sent a letter to them saying I had already set building insurance up but that I was happy to go with their company if they sent me details. I then got a…
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Capital gains tax
Hi, I’m looking for some advice, please. About 15 years ago my grandmother’s house was put into a trust for me. It was held in trust for 10 years and then the title deeds automatically went into my name. Now that my grandmother is in a nursing home, I am selling the house. I have never charged her rent or made any money…
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Reducing Offer Price Due To COVID-19 Financial Uncertainty
Hello all, I am a first time buyer, due to exchange and complete simultaneously within a months time. The offer was accepted back in November, but it has taken this long for all the ducks to line up. The seller is due to move into a newbuild, so a very short chain. I am considering reducing my offer. This is due to the…
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Flytipping from previous house owners
Towards the end of last year when we purchased our property, we got in touch with the council to report some suspicious looking weeds growing behind our back fence. At first we thought it might be Japanese Knotweed, so someone from the council was meant to be coming over to inspect. After a few weeks no one had been to…
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FTB Purchase and Exchange in Lockdown?
Hello!I was wondering if I could ask your advice. I am a first time buyer and made an offer on a flat just before Christmas that got accepted. I had been looking for a while so was pleased to finally find somewhere and felt pushed to put in an offer higher than I had originally planned, but the flat got valued at the price…
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Married couple obtained mortgage in one name due to credit status - how to legally share ownership?
Hi, question - my wife and I tried to obtain a mortgage on a new build in both our names, but she failed due to current circumstances (in between jobs, and just paid off large debt - score is now Excellent), and as we had to move quickly to get the house, we got the mortgage in just my name. We want to give her some legal…
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What happens on completion day (simultaneous exchange & complete)
Hi, we are FTB buyers simultaneously exchanging and completing on our new build property tomorrow (no chain) - eeek! We have used the help to buy scheme, along with a help to buy isa as our deposit. I have had confirmation from our solicitor that our lender (Barclays) will release funds in readiness for completion on…
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Laminate flooring
The landlord above me has laid laminate flooring thoughout in a tiny 1 bedroomed low rise flat on the first floor and then crammed 3 young adults into it creating excessive footfall, nocturnal noise in the early hours etc affecting myself and surrounding neighbours. Is there anything that can be done.
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Building work disruption
We rent privately and have had some ongoing issues with leaks when it rains over the last few months. It rained at the weekend and leaked again. Monday LL sent round a builder - he said we need a new roof. She agreed to the work on Monday afternoon and told us they would start the next morning (work is quiet due to…
