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Diy conveyancing
Searching google for advice on Diy just gets a Glut of ads for quotes from solicitors. I have got got most of it sussed but as a seller, who can I get to hold a 10% deposit on exchange? Is it ok to suggest the buyers conveyancer and are they likely to accept this. If not any suggestions for who could hold a deposit and be…
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Spray Foam Loft Insulation
Hi, We are trying to buy a house (ours is sold and already lost one due to survey).We thought this one would be great, we love it however the survey has come back saying the whole loft has been sprayed with a spray foam loft insulation. I have never heard of this. I am told it can prevent mortgage lenders refusing to lend…
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What happens now? FTB and skipton lisa deposit.
Hello all, So I'm a FTB and I sort of knew what was going on in the buying process until now. I have a mortgage, the legal searches are back, I've had a homebuyers survey and I've signed the contract. The seller has a rented property lined up and is more or less already moving into that and out of my new house, and is…
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Seller didn't disclose a defect
I bought a bungalow in late August 2020 and have discovered that it has extensive mould and damp issues that are having an big impact on the health of my elderly mother and myself. We have had to vacate the bedrooms and I've had to throw several pieces of mould damaged furniture out. I didn't have a survey, because of time…
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Building Survey - RICS HomeBuyer Report without valuation
I want to book a RICS HomeBuyer survey. There is a RICS HomeBuyer report with valuation option. I've already had the mortgage provider do a valuation report. Do I need "with valuation" or not?
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Lamp post outside front of house
Just a quick one. I am just wondering if a lamp post outside the front of a house (very close) would put you off?
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What notice is now required AST
Hello everybody, Trying to find a straight answer to a simple question as I have become totally confused reading so many articles on the web regarding ending my tenants agreement The tenant has a 12 month A Short Term Renewal Agreement issued April 20. 1) How much notice do I have to give the tenant that I want to leave…
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Risk with a Personal Search or Indemnity vs Local Search
Good Morning, I am trying to speed up our conveyancing process and it appears the local searches are the main drag. with the council now quoting to the new year due to the increased demand. My lender is looking to confirm they will accept a personal search or indemnity vs a local search. I am conscious that particularly…
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Stamp Duty for UK Expat getting a Buy-toLet
Hi there! I'm looking to take advantage of the Stamp Duty Holiday. I'm a British Expat living in the Middle East and I'd like to get a buy-to-let investment. I own no other property. My question is, what stamp duty am I liable for? Things are not clear online! The property is worth £250,000. I understand that even as an…
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Damp in survey
Hi we are in a process of buying a ground floor maisonnette from 1930s and just received the results of our building survey. Amongst other things they mentioned evidence of damp in the lower part of the walls in living room bedroom and bathroom. They also said that because of this likely there is or will be rot or woodworm…
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Which rug I had a little accident
Now need to buy her a new one out of these 2
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Help please buying house no building regs
Hello everyone. I am in the process of buying a house. Single storey extention built 1990 Garage built 1990 Local authority searches came back. There are no building regulations for these. I also found the garage built over a public foul sewer. I queried this with convayencer, they said that it was OK there were no…
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Buying a house - indemnity insurance policy
Hello everyone, My partner and I are in the process of buying an extended semi-detached house and we are quite far into the process (i.e., about to exchange contracts and the sellers are waiting for us). The issue however is that our survey returned a potential structural issue with the floor of the extension as well as…
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Mortgage offer but lower amount
So were ftb and have a broker who has been great so far, he did a dip with barclays at first who gave us a provisional accept, We found a house we liked viewed it a couple of times and put in an offer for 127500 and it was accepted and taken off the market stc. Our broker then decided to do a dip with skipton as barclays…
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Landlord being made bankcrupt
Ok, long one. Myself, my partner, child and mother in law all lived together, 6 months ago she decided she needed her own space so she moved out into a property that she rents from agency. She kindly said we could stay here and just pay her the mortgage payment and the amount for bills every month. We are living here very…
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Loan towards property purchase for rental
I will shortly be receiving an inheritance of around £150k. I would like to purchase a property around £170k to rent out. From the area i could expect a rental income of around £700 per month. I would like to borrow £20k over 5 years. Would it be possible and a better option to obtain a personal loan for this amount, or…
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Electrical safety - rented flat
I rent out the flat above my old office, and I have just had an electrical safety certificate done. This was fine, except that the consumer unit is plastic, and the electrician graded it C3. Of course, it's safe, but it doesn't meet the current regs, which require a metal one. The regs change from time to time, as plastic…
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Really struggling with what to offer
We are really interested in a run down Victorian detached house on a large plot in the village we currently live in. We viewed it and put in a full asking price offer but it has gone to sealed bids now unfortunately. I am told there were 6 other offers. We think they purposefully listed the house under its market value to…
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Notice period
Hi , My tenant was on a six month contract and at the and of the fixed term came to an end 21/05/2020. my tenants have advised at the moment that they will be going on to periodic
(month by month) at the moment and not signing for a fixed term.There are no changes to the current tenancy agreementWe have now sold our other…
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Thinking About Selling House to Local Landlord......
I no longer need my current house and I want to sell it reasonably quickly. It's terrace house and I'm now staying elsewhere and only visiting the property once or twice a week. The property requires money spending on it, mainly decorating internally throughout and also externally. I don't want to do this and would rather…
