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Current energy fix deal coming to an end, but hoping to move in a few months
From Sept 1st my current energy fix will come to an end and i will go onto a variable rate. I would usually shop around for another fixed deal. BUT My home is now sale agreed. Not found the next house yet (fingers crossed I will soon). It could be months before we move; i'd rather not pay above the odds for gas and…
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Queries Raised in Draft Contract
Hello everyone, I am new here so I do apologise if this has been asked before, I did go back a few pages but couldn't find anything! My husband and I are in the process of (hopefully) moving, we have a buyer for our home and have just had the mortgage valuation done on the property that we would like to buy. I received an…
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Private tenant, on benefits and landlord decides to sell - do you go to the top of the housing list?
This is what somone told me today - that they know someone in this situation who's applied for housing and they're "at the top of the list" for that reason. I'm not sure this person is a credible source, so does anyone know if this applies in North Tyneside?
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Insurance prior to exchange
Exchange is around the corner (my solicitor is talking to the vendor's side to set dates)! There's one slight problem: I've been asked to show proof that I have insurance in place prior to exchange, and the policy has to note that my lender is an interested party. None of the insurers I've looked at so far have an option…
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Land Reg Adverse Possession Unregistered Land
Hi I'm hoping for a bit of advice. I rent a house (with right to buy) which has a wide swathe of grass between the highway and the boundary of the front garden (front garden is registered to my landlord). I am having trouble getting broadband laid across the grass, which has flagged up that this piece of land is not…
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Outbid or Estate Agents tricks?
Hi everyone, Just wanted some opinions on our current situation and see if anyone's been in the same boat... We are FTB with nearly 20% deposit (2k off, but able to save or borrow from family before completion) and AIP ready to go. House we're interested in has been on the market for nearly 12 months, reduced once in…
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HSBC Mortgage
Hi there I had an offer accepted on a mortgage in the middle of July. I have instructed the Solicitors who have commenced work. I have been trying to apply for a mortgage with HSBC for some time. I have a great broker who has been trying for about 2 weeks now with no luck... I have also gone direct and have an appointment…
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Exchange to completion
Hi all, we are exchanging on a house today for completion on the 11th. We are first time buyers and the property is vacant. Our Soliciter tried to add in a COVID clause to cover against any delayed completion because of local lockdowns etc but the seller rejected it. To help us plan for every eventuality, what could go…
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Buying property abroad with view to retirement
Hi Everyone We are looking at buying a property abroad that we can part live in and part rent as a holiday let. Our budget is around £300,000. Our focus right now is in the EU and there are some obvious uncertainties and challenges with doing so since 2016, with considerations about whether we ideally also would like…
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Coal Shaft within the property and mortgage issues?
Hi, I am looking to purchase a property which got two coal shafts/entries, I saw a few old threads on this topic, but in my case, both the shafts are within the property, one in the garden and one in the middle of the house!!! would there be any issues obtaining a mortgage for this property? any advice will be very much…
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Buy to let stamp Duty
Hi, I am extremely confused to the new stamp duty regulations. I am currently an home owner looking to sell my house however i am now considering letting this and buying new home. The new home i am looking to purchase would cost me around £160,000. On the old regulations i would of had to pay around £4000 in stamp duty on…
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Finding previous 'For sale' photos of houses
Hi. I'm looking to extend my house and had seen a kitchen setup i liked on an old 'For sale' ad on Right Move. This particular house has sold a number of times but now I can only see the most recent sale details. Anyone have any good ideas of places to find old details please? I've googled, tried Zoopla etc, but no luck…
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Using 2nd home to support next move.
My wife and i are looking to trade up and looking to extend our options by utilizing a second home.. The home we are in now is joint owned and mortgaged, however my wife is also a joint owner of a family home which has no mortgage. In the future we will be very fortunate to inherit two further homes and we have been…
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Tenancy Deposit Scheme Dispute During Coronavirus (as a tenant)
After a 3 month dispute over my £1,000 deposit, today the Tenancy Deposit Scheme awarded my previous landlord with the full amount. Why does this matter? Well, the property I lived in had multiple leaks, black mould and I was hospitalised because of the living conditions. After months of the landlord refusing to allow me…
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laws around long staying guest in the property
Hi there,One of my relatives is asking to live with us for couple of months. he is living in shared accommodation now where his bills get taken care off. he is above 18, works and pays taxes too so isnt in any exemption category as such. I am alright with him living with us (we already are 2 adults in the property and pay…
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The dreaded "C" word
Hi Folks, looking for a bit of advice. My partner and I bought a house shared ownership on a development in london 6 years ago. We then staircased in 2017 to 100% and as such bought the freehold to the property. There is still a ground rent of £10pm and a service charge of £100pm for the upkeep of the development. On the…
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cash buy? or mortgage??
hello everyone, i am looking to buy a flat in the city centre of where i live. i do have the money for a cash buy (no mortgage). although i have been given the green light from RBS if i wanted a mortgage. i am a first time buyer. i have built up the capital by investing into the stock market (started with just £20 a month)…
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Shared Ownership vs. Renting - 5 year forecast
Hi, I'm considering shared ownership vs. renting and have modelled the figures below on a 5 year forecast. I'd be grateful if you could sense check them, and see if i'm missing anything? RENTAL ONLY 1000pm x 60 months = -£60,000 Deposit left in the bank = +£35,000 TOTAL = +£25,000 SHARED OWNERSHIP Rental / service charge x…
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Benefits of choosing cash home buyers
I tried
selling my old properties through real estate companies, or you can say the
“traditional” way. But just recently, a friend told me about this we buy any house Glasgow company that
I can deal with since I’m planning to sell my current house again. Haven’t
experienced dealing with such buyers. What’s the great thing…
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Moving debt before exchange/completion
I have around £1900 left of debt on a 0% balance transfer card that and I pay off £25 a month and have been doing for a while. The 0% rate comes to and end at the end of September and for the last couple of times I have just moved the amount backwards and forwards between this card and another card (I have 3 cards in…
