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Guarantor taken to court
I agreed to be a guarantor in 2014 for my mum, and naively thought it was only for the term of the initial agreement (12 months). I haven't spoken to my mum for over 3 years, and have had no contact with the landlord either. I today received a letter saying rent has not been paid since January 2020 and that I am…
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Council Tax - Whole year's council tax due
My council tax payment failed at the start of June due to no funds for a couple of days but I didn't realise until I got a Council Tax Reminder letter through my door last week asking for the overdue. It was dated 22/07, but I only received it 30/07. I paid on the 30/07 but as it was over the 7 days the council are telling…
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Short stays at your own LTD company BTL property?
I am attempting to decide whether to buy a 2 bed BTL investment property directly in my name or via an LTD special purchase vehicle. As a cash buyer and a high rate tax payer from a tax perspective it looked like the LTD was a great idea, as I can use a directors loan to lend the LTD the money to buy the property, then I…
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Sale Issue: Notice of home rights under the Family Law Act 1996 for prior owners spouse
Hi, I hope somebody can help me with the situation I find myself in. We are in the process of selling our home, but have just found out that a charge exists on the title register that grants home rights in favour of the previous owners wife. These rights were granted over 10 years ago, after we had exchanged to buy the…
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Want to move to the country, what do you think of this House?
A nice big detached house with great views for less than the price of a one bed london flat, good internet for WFH https://www.zoopla.co.uk/for-sale/details/55445498?search_identifier=a301220860c8ef1609b889b83597195c
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Opinions on our HomeBuyer report please?
Hiya, We are FTBs and we just had our survey done. The house is one built approx. 5 years ago, semi-detached. The survey raised perhaps more issues than we were expecting considering the age of the property (honestly they seem like things that should be general maintenance to a homeowner). As we have never bought a house…
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House Price Opinions (needs major updating)
We've been to view this house which is in a really popular location. The location is brilliant however the house needs significant updating and we'd want an extension for a 4th bedroom. It needs a reconfiguration of the rooms and would need new windows throughout as well as kitchen/bathroom...well full refurb. What do…
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SDLT on 2nd property - has this website got it wrong?
On the stamp duty page on this site, it states that .... "People buying an additional property (ie, in addition to any they already own) that costs more than £40,000 are subject to the higher stamp duty rate. So if you bought a second home worth £100,000, you would pay 3% stamp duty on the portion between £40,000 and…
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Buying a house in a ridiculously competitive area, value worries
Looking for some gentle reassurance/advice please! We have had an offer excepted on a victorian terrace in an area of London that is extraordinarily buoyant at the moment (this house had 7 viewings and 5 offers, 3 at asking. 5 days between the house going on the market and our offer being accepted). The price was good for…
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Bought land historically adopted by council, but nothing mentioned on land certificate - Scotland
In 2014, I bought a house next to a dead end cul de sac. My house is freehold, and came without any extra land at all, no path or garden, just the land the building occupied was included in that sale. The cul de sac led from a road owned and maintained by the Council. I contacted the Council to see who owned the cul de…
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Critique my house (for sale)
Hi all, I've seen on a couple of other threads that you're kind enough to critique properties for sale based on an advert. We have the following property for sale and despite over 400 views in a week, we're only getting one or two viewers. Only been on the market for three weeks (5 viewings) so maybe just need to be more…
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Declaring dispute with neighbours
Hi all, I am looking to sell my flat but am unsure if I need to disclose on a PIF regarding a complaint raised AGAINST me. The people below me are extremely unreasonable and complained to the council after claiming the music was to loud on a Saturday night at around 10pm. We are not the kind of people to blast music and it…
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Making an offer. OIEO
Hello, im just wondering if people could share some advice on making an offer for a house we have found. Were first time buyers and in need of a bit of advice with OIEO. The property we have seen is on for £170,000 OIEO. It is nice and doesnt seem like a great deal needs done to it no major works like boilers ect. A…
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Owner of leasehold gd flr flat and potential new tenants of a flat let above ...
Howdy! I Have lived in a ground floor Victorian converted flat for just over three years, and purchased as a cash buyer . Yes I understand that it's a risk , and expect a few shaking heads reading this . However, it is all I could afford while I made major life changing decisions , so please don't be too harsh 😸 I'll try…
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New build
Hi just wondering if anybody buying a new build were disappointed with there house finish, I've purchased a new build and due for completion in November. The sales lady sent pictures yesterday,house is all built finished brickwork done, scaffolding down. From the pic on the brochure of my house type to our actual house…
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Selling shared freehold property
My wife is the joint executor and part inheritor of an estate consisting primarily of a property with a shared freehold. There are only 3 other shared freeholders. The property is under offer but To complete the sale all the 3 other freeholders need to sign and agree to the transfer of the freehold to the buyer. There is a…
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Buying cash
Hi, I previously lost out in buying a property, the sale has fallen through and I have been contacted but they now want a cash sale , anyone know anywhere I could borrow the cash and then get a mortgage once completed to pay off the money borrowed , would be around £250000 needed along with remortgaging my existing home as…
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Help to Buy ISA - Government Scheme now closed
I know im late to the bus, but is there anything like the Government Help to Buy ISA scheme where the government helps put into an isa to help you buy or shared buy a house?
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Need help removing 'form A' restriction at Land Registry?
I am an executor of the estate of my late father, and am trying to get his name removed from a mortgage agreement on which he is jointly named with my mother. The mortgage company (Halifax) have told me that they are unable to remove his name due to a restriction which is present in the title deeds. Having contacted the…
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Massive hike - What would you pay?
Hi all. Just after a spread of opinions on here for what’s a property worth. We’ve seen a property that last sold June 2018 for 710. It’s now back on the market having had some work done. Unfortunately no pictures on Rightmove as the owner doesn’t want them online. We viewed and it is a nice property, its had a new kitchen…
