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Homebuyers survey worth it?
We are looking to purchase a semi-detached 4 bed home that is only 14 years old. The current owners have built two extensions (one rear and the other on the side and consuming half the garage). The property is immaculately maintained and presented, from the interior all the way through to landscaped gardens. Due to the age…
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Estate Agents and the 14 day notice to end a contract
Do Estate Agents remove all advertising of your property once you serve the 14 day notice to end the contract?
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CGT when income is variable
I’ve searched for an answer but all the internet wants to do is feed me cgt calculators with known variables, when I have an unknown variable as I don’t know what personal income will be this year. I know cgt on selling a second home is payable within 30 days of the gain realisation, and that it’s calculated using a…
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Address issue on mortgage offer
Hi Had my mortgage offer through last week and I noticed they’d put the address ever so slightly wrong (the house number and road number the wrong way round). My broker doesn’t seem that concerned as the address on the initial application was correct he thinks it may just be how the lender has formatted it and he’s certain…
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Telegraphic transfer
Hi all, I am in process of selling my house.. But I received letter forwarded on from purchaser lawyer, stating we have to pay the telegraphic transfer fee, from the purchaser, is this right? I know if I am buying another property, I would have to pay telegraphic fee to pay, seems a bit strange I have to pay my purchasers…
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Is it worth getting planning permission before selling house?
I'm taking tentative steps toward selling my house. It's a three-bed semi on a busy road that was built in the 1920s. The main selling point is the large amount of land at the rear, that is currently garden plus garage / hardstanding and is accessed by a shared drive. There's also hardstanding for two cars at the front. I…
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Leasehold insurance issues
Hi, I'm trying to help my daughter who completed a purchase of a leasehold flat top floor flat dating back to 1759 in June 2020 she has long term serious health issues so I act for her. The purchase was delayed due to the collapse of the kitchen ceiling caused by water penetration through the roof. The ceiling was repaired…
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Help Me Find a Conveyancer I can Trust!!
Hi Everyone,
I am looking for reliable conveyancing within Bromsgrove / Redditch and I do
not know where to begin! What should I be looking for in a conveyancer to know
they are reputable and efficient and how can I distinguish between good and bad
conveyancers or lawyers? If anyone can help me out or give me a few…
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Advice on putting an offer on a house when our house hasn't sold
Hey MSE's, reaching out for some advice really, currently we've had our house on the market for 6 days and have had 5 viewings 2 of which we've had full asking price offers on, which is great! However they haven't sold. We have seen a house that we really like and have told the vendors EA our situation and they've told us…
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WW2 Bunker Issue
Hi, i am buying a property that has a bunker in the garden. It’s not shown on the deeds. The entrance is in an adjoining neighbours garden while the actual bunker is under mine. The solicitor isn’t very helpful and cannot tell me who has responsibilities for maintaining it etc. Any advice greatly appreciated. many thanks
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Charge on title
Hi, just look for some advice or if anyone has had experience with removing a charge from Land Registry. We’re in the process of buying our first house, it came up on the solicitor searches that the house has a Charge which is £15 a year for 99 year, immediately I though it’s leasehold not freehold but estate agents keep…
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Lack of building approval insurance
Hi all, I'm not sure if here or the insurance forum is best placed to answer this. We are purchasing a house with a knock through kitchen without building approvals. I have just read that normal home insurance may be a problem and wouldn't cover any issues arising from this part of the house. Does anyone know if this is…
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Integrated Appliance Responsibility
Can someone help me here? Currently in a rented property with an integrated fridge freezer that I suspect needs repair or replacement. Having contacted the property managers (via email), they say it’s my responsibility to repair or replace it. They said in my signed tenancy agreement, there is an exclusion that the…
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Selling house with Loft Conversion - buyers want Indemnity Insurance
We advertised our house as 3 bed + loft conversion. Our buyers have asked for Indemnity Insurance for the conversion, is this a normal request? How much should we be expecting to pay?
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Is 2nd SDLT payable on inherited house?
I am selling and buying and only when we got the information from our solicitors about owning a second property did it suddenly occur to me that I had inherited, via a family trust, my late fathers property. My mother still lives at the property, she and i are named as trustees and from what i can gather so long as as i…
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Chased by JB ...resulting from my property manager send invoice to a wrong address
I live in a Help to buy flat in Croydon since 2017 up until now. I own my flat. A few days ago I recieved a letter from JB leitch asking me to pay for overdue charges ( Ground Rent / Service Charge/ Insuracnces around £2500) plus their charge on top around £1100. So shocked,I was threathened by their words on taking me to…
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Questions - HTB ISA & First Time Buyer
A couple of questions; 1) For myself - Help to buy ISA. The government offers up £50 for every £200 saved. Can I put all £12k of my savings in immediately and the government will provide the £3k to solicitor once I agreed on a purchase (hopefully this year) or does it have to be £200 monthly installments meaning would have…
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When to instruct solicitors...
Hi, Ultra n00b and probably stupid question here. We have had an offer accepted, and have an agreement in principle for the mortgage, and it's currently going through...whatever else it needs to go through with the survey happening tomorrow. We know the solicitors we are using and have had a quote and relevant paperwork…
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First time buyer process
Hi all. I'm sorry if this has been asked before. We are first time buyers and we have finally got our mortgage offer last week. We put in offer for the house and started solicitors right at the start, so mid July. Messing around with mortgages and lenders and the final lender taking over 2 months to send offer out we are…
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Buying house from a parent
I am considering buying my parents house and moving back with them. For IHT and also due to me wanting to sell my houes but would have to pay an early redemption fee of 4.5k if I didn't transfer the mortgage. Questions are: Do I have to pay full market value (300k)? I would be transferring an existing mortgage of 80k and…
