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Buying probate property - lender claiming it's a back-to-back sale?!
I'm having some problems with a potential mortgage lender and think they've got the wrong end of the stick. In short: - Man dies intestate, leaving a property with a mortgage. His wife is not on the deeds and has never seen the house (it was purchased some 2 decades before they married). - The wife does not want the…
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Restrictive covenants New build and mis selling of property
I recently purchased a new build property. The sales executive at the time of choosing our plot highlighted several plots that we might be interested in. He particularly focused on one plot that had a large swathe of land next to it that was deeded to the property. The land was cut off by a fence which made the only access…
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First Time Buyers - Offer Advice
Hello, Me and my partner are looking to move out but we're struggling with offers slightly. Most of the houses in this area are OIEO XYZ. We're struggling to understand how much this would mean to offer. Has anyone had any experience with this? We're specifically looking at a house with OIEO £275,000. We're first time…
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Home buyer's report results. Advice appreciated
First time buyer. Have always appreciated
the advice from people here. Partner and I had an offer accepted
on a house recently and we got the home buyer’s report back today. Using the Green/Amber/Red system, a
couple of things have come back Red and Amber. We’re not too worried about it
but would appreciate some input.…
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Selling a shared ownership property or staircasing and selling on the open market
Hello everyone, I'm wondering whether anyone has had any experience of selling a shared ownership flat. I have a 75% share of my 1 bed flat in a pretty popular area of London (in Zone 2) but am looking to move to a 2 bed property, as my husband and I are expecting a baby. I could afford to staircase to 100% and then sell…
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How much to drop the offer by?
Hi all, I am looking to buy the flat I have rented for the past 18 years, after my lovely landlord sadly passed away last year. I was recently told the flat would be sold to another landlord with me as a tenant in situ, but when I asked if I could buy instead the estate agents seemed very keen, as it would be a quicker,…
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Potential problem changing agents
We have grown disenchanted with our estate agency, mainly because they were unresponsive and did not make the alterations we requested to marketing materials, but also because we think they advised us to market at too high a price. We plan a substantial reduction, of £40k on the asking price. On the advice of agency 2 we…
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Retiring to Northumberland- Nice areas?
We are retiring to Northumberland . Can anyone advise areas near Blyth that would be nice to go and see. Would like near the coast if affordable. Thanks
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Moving house with active HTB loan
Hello, i've been a homeowner for 4 years now and have 1 year remaining on my Help To Buy loan. Recently I have been saving up to move house and I am nearly at the stage where I am ready to go for it. What I am not currently aware of is all the processes required for selling a property and buying a new one when Help to Buy…
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Northampton. The good, the bad, the ugly?
Morning, 2021, our family is considering a relocation to Northampton. Family connections in Bedford, Milton Keynes and Oxford, but N seems slightly more affordable and give us our own independence. Any areas you would recommend? A newer area we like the look of is "The Grange" but really would consider any family friendly…
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Refused mortgage because bank thinks we will rent it out
Hi there, My girlfriend has applied for a foreign currency mortgage for a house in our home town in Northern Ireland we were hoping to turn into a family home. She works in Dublin which is why she needed to go with a foreign currency, the plan would be for her to move back home and into the property as she now has the…
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Change of Title Deeds when someone has died
Hi If you request a copy of Title Deeds from Land Registry, does anyone know if they would show the latest being after someone has died and the Deeds amended? I.e. If someone died in 2018 and LR were informed, would the latest Deeds be 2018 dated? Also, does anyone know how to obtain a copy of the history of a property's…
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Subsidence in house I am renting
Hi All, Any help with this would be appreciated. I am currently renting a house that has been subsiding now for a number of years. The landlord is dealing with it but everything going through the insurers/engineering company appears to be taking an age. This is what the landlord is telling me and I have no reason to…
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Name change on deeds
I recently got married and need to change my name on my house deeds. Does anyone know how to fo this? The house is just under my name.
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Old semi derelict house no deeds
There is an old house near me with a couple of acres of land (Scotland but the land was removed from crofting tenure in the 1970's). The old lady died in 2003 and the house has been deteriorating since then. The electricity and water have been cut off and the windows have been recently been smashed and the roof has a…
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Fees Estate agent Legal
Hi, with great thought and consideration I had to pull out of the sale of my house. Covid has left my financially unable to move and buy a new property. I tired calling My estate agents, the person was unavailable. She wrote me an email informing me that if I did pull out I would have to buy the full amount of fees and…
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FTB cause of damp problem with flat upstairs (freeholder)
Hi All I am after some advice. I have search the forum but I can't find anything related to this. I'm trying to buy a flat (ground floor of old terrace 1910). I've had an offer accepted. I knew looming round the flat there would be things to address (electrics) when I made the offer. There is a patch of damp on a wall near…
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Lifetime ISA and timescales
My OH and I both have lifetime ISAs, mine will have been open for a year in January and his in March. We also might be adding to them in the next tax year in April, would the bonus for that be paid by May? I'm wondering how early we'd be able to start looking at houses/putting offers in? When should we approach a broker?…
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Boiler repair dispute with seller
hi i have had an issue with the boiler in my new home. To his credit the seller sent a contractor to assess and repair the fault ( a new fan was fitted). At this point the boiler appeared to work as it should albeit a bit loudly. I am currently seeing out the end of my tenancy in my rented flat so therefore I am not at the…
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Vendor being difficult - waste of time trying to buy?
as title says, feel like the vendor is being very difficult and not sure he wants to move. EA told us his onward purchase fell through but he's still looking to move, we viewed twice and then spent a couple of days negotiating back and forwards... he gives us a price he wants so we agree to pay it. Estate agent phones back…
