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Can my partner and I combine his Help to Buy and my Lifetime ISA?
Hi. Question as in thread title - my partner has a Help to Buy ISA and I have a Lifetime ISA. We're both first-time buyers. Can we combine these to buy a house together? I'd assumed we could but can't seem to find confirmation anywhere online... Thanks.
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Part of a freehold
Presently I am a leaseholder on my current flat and I’m looking to move. Sadly I’m on my own and therefore only have one wage coming in. Happily, my job is secure and relatively well paid. I want to move to the South East Essex coast but with prices as high as they are I might have to settle for another flat. In the course…
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Sell now, buy later - 2nd home SDLT
We are looking to move home, and will be up scaling. We own the property we currently live in as well as my last place, which is currently rented. My understanding is that if we sell our main residence and buy a new one in the same transaction we are exempt the +3% stamp duty, and that even if the sale were delayed a few…
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Has my local council/planning department devalued my house.
About 10 years ago i purchased my property & all my property was within the local planning area. I was looking to build another house in conjunction with another neighbour as i had a large garden & he could give me access to the lower half of my garden. Then after applying for planning they told me the boarders for…
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Purchasing a house with extended garden bought from council
Hi everyone, We're buying a house for the first time as a couple and are quite new to all these housing rules and jargon so please bear with me if my questions sound a bit silly. So we found a house we really like and were convinced to buy this property due to the location and the fact that they have extended the garden at…
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House to buy in London
Hi, where would you buy in London with ~20k deposit? Not considering help to buy for now. It's not buy for investment, even if is always an investment on myself, I'll live inside. Preferable a commute zone. I highly prefer north and north west, but also west towards Maidenhead or Colne regional park is not that bad, just…
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New build - wrong tiles, who is to blame?
Hi all, Some of you may have seen from my other thread that I am lucky enough to have purchased a new build property from a small-ish local developer. My wife chose specific tiles for the two bathrooms but upon moving in we found that they were totally different (I know, I know, first world problem). The developer…
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Considering going from a housing association accommodation to private rent?
My wife and myself are retired and have been living in social housing accommodation for around forty years. There is so much trouble were we live we have just had enough. The housing association cannot assist us due to the lack of housing stock. Our main concern if renting privately is the lack of security, whats to say if…
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What to disclose?
Hi all We are in the process of selling our house. The buyer has had a homebuyers survey done and as expected it suggests an electricity and gas survey. The buyer is not going to have these done. However, we are aware of one faulty plug socket (that is literally it) - he knows about everything else. Some damp - and the new…
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Cash buyer - what happens to our mortgage?
My self and my husband are first-time sellers and are looking to move to a bigger house. My mum has received an inheritance and is looking to move closer to us and is willing to buy our current home for market value, cash. We have about £70k outstanding on the current mortgage, the current house is valued at £90k. We'd be…
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HTB - Do we need to reapply?
Hi. We were supposed to complete end of July this year but due to the we-all-know-what, it’s been moved to November. I remember when we applied for HTB last year (December), I read that we should complete within 9 months (not sure if it’s exact 9). Now since it’s been delayed do we need to reapply again or request for an…
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To sell or keep?
Myself and 2 siblings have inherited a 2 bed terraced house which we put on the market just after estate agents were allowed to open, and it sold straight away. since then I ke p reading about a mini housing boom and how houses are at an all time high. I now feel we could have got more for it and felt under pressure to…
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New build next to electricity substation
I am looking to purchase a new build that we just discovered is right next to an electrical substation which is 4x18 meters. The actual units in the space take up a tiny fraction of the 72 sq meters, maybe 3 sq meters at best. We checked the land registry and U.K. Power Networks have a freehold interest in the land since…
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Estate agent not being honest?
I put an offer, which was accepted, in on a vacant possession property in mid June, conditional on the sale of my late mother’s house. There are only two of us in the chain. The house will a second property for me and the couple buying my mother’s house have nothing to sell. Things have been progressing slowly and the…
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House sale fell through... what to do?
Hi, quick overview of what’s happened. Husband and I went to view a house and wanted it. Put our house on market immediately. Had 4 offers received within first week, accepted one, and put an offer in on house we wanted which was accepted. Instructed solicitor. 10 days later our buyer pulled out. Estate contacted other…
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Self build mortgage
Hi, hoping someone will be able to assist?! We are looking into buying a derelict residential building - arson attack has left it inhabitable. Planning permission has been approved for the house to be knocked down and new residential home built in its place. Would we be able to get a mortgage for this? If so how much…
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First time buyer - any recommendations for (or against) solicitors/conveyancers?
Hi there everyone, My partner and I are first time buyers, and have just had an offer accepted for £218,500. We are trying to save money on a solicitor, as we're being quoted between £800 and £2000, which is quite a difference. We don't want to go with the cheapest though, and end up taking months longer than we should, or…
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Hidden costs of buying a house?
As the title really, what are the hidden costs of buying a home?
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Broker- is it me?
Hi just applied for a mortgage in principle. ( horray). When I contacted my broker I asked him what deals he could get me. He came back with a few, I picked one. Few days later after receiving all my info we have another conversation. I ask him who the mortgage is through, he states- not sure mentions 3 and quotes higher…
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Opinion please BTL
I have a two BTL properties and in my opinion I am a good landlord and see that repairs are done quickly though a letting agent. Recently, one of my tenants informed the agent he had been furloughed. I took him at his word and agreed to temporarily reduce the rent by 20% This month the tenant asked for this reduction to…
