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Land registry title plan/map search discrepancy
Hi we are in the process of buying a house and it’s been noted by our solicitor that the boundary of the property is incorrect on the title plan (we think it’s about 3ft out). It’s correct on the mapsearch snapshot but not on the title plan. The solicitor is saying that the title plan needs updating as the mortgage lender…
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Renting for 2 months - council tax query
Hi, Im selling my home in Hounslow and will be renting in Wimbledon whilst i find a new place to buy. I found a place where the landord was happy to give me a 2 month rolling contract. The rent includes bills and council tax. Its clearly stated in the short term tennacy contract that the landlord is liable for council tax.…
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First time buyer - Advice on putting offer after initial viewing
Hi, We are on a look out for our first property for few months now. We have come across this property which ticks most of the boxes but need some advice. The property (semi detached) is on the market for few months now and is sold by Asset Management Group via the estate agents. They have cut off all utility lines (gas,…
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Retirement flats
My 83 year old aunt on the Isle of Wight has expressed an interest in moving to a local retirement apartment block. She is currently living in a one bedroom ground floor flat in a house conversion, she has the front garden. There doesn't seem to be a website for this retirement block, the flats are sold through local…
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Water rates - paying on 2 properties
I completed on my new property last week. The tenancy on the property i was renting runs until 4th April unless they find a tenant sooner. I phoned Thames Water yesterday to register my new property but they're saying i can't register at my new address until I've moved out of rental property. I tried to explain that I'm…
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Separating with only partner's name on mortgage.
Hi - first time poster and am interested
in perspectives on the below; I’m in a
relationship that sadly looks like it is ending after 14 years, my partner and
I are not married and have no children. We live in
her property, I moved in about 11 years ago. The property is in her name as is
the mortgage secured against it and…
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How to negotiate a delayed move in date?
Hello, Just a disclaimer that i'm clueless with all things house buying. But my girlfriend and I have been saving up since leaving University and we're finally in a place to buy somewhere of our own. We have a found a new build duplex apartment that is absolutely perfect for us. Problem is it's due to complete in May with…
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What date can I safely instruct a new estate agent without having to pay commission to the old agent
We gave notice and took our house of the market last year as
soon as the 12 week sales contract ended with the old agent. Let’s say it was 1 November
2020. Do I need to wait six months from this date (which would be 1 May 2021) until we relist
with a new agent? Or is it only if we exchange on our property sale…
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Mortgage application offer signing?
Hi.Appreciate some advice on this. Situation is Ive just had an offer accepted on my house and have had a further offer accepted on another - so buying and selling at the same time. I have submitted a mortgage application and hopefully will get a mortgage offer. Questions is - should I sign the mortgage offer before or…
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Selling my home.
I'll try keep it short. Me and ex brought house and we split up. She moved out with her new fella. She racked up debt and ended up in an IVA. We are at point we need to sell the house as we are just renting it out and need to cut ties. My ex is telling me her IVA payment will be taken before I get any money. The IVA is in…
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When to take out mortgage insurance and will?
Hi everyone, We are waiting to exchange on our first flat, which we're buying as tenants in common. We'll be getting a declaration of trust drawn up. In the meantime we've been looking into taking out life insurance, income protection, and contents insurance. We've also been looking into getting a will (my union provides a…
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Paperwork from solicitors after house ourchase
Hi I bought my house in April 2020 and have still not had my paperwork from my solicitor all I have had was the the bill I have contacted them on 4 occasions about this but still not got anything what can I do to get them released from the solicitor
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Half share tied up in divorce
My ex husband owns the house in live in. I pay the mortgageAnd I am entitled to half the profits on completion of a sale. My partner and I are looking to buy it from him. But I need the money from my share of the profits to use as a deposit. 1. How do I use the 130+ as a deposit if the house is in his name until it's sold?…
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Dropped kerb - appeal
Hi, I would be really grateful for views after having my application for the extension of a dropped kerb rejected. Background I applied to have my existing dropped kerb extended from 3.6m to the width of my drive 5m similar to all neighbouring properties on my road. However, there is a front garden boundary wall and…
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What does this schedule of restrictive covenant mean?
We are very close to completing and saw this note in the title. We’ve asked our solicitor what it means in layman’s terms but whilst we wait; does anyone know? Does it prevent us from building an extension or a separate annexe subject to planning? Thanks everyone. “Description of Buildings. No building whatsoever shall be…
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Wobble
In the process of buying a house which is perfect for us and very unique in our area. It really is quite a find. It is in desperate need of work, but this was reflected in our offer. We’ve just had the survey back and seeing it all in black and white has made us think “what are we doing???” We’re not going to pull out…
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Remortgage held up due EWS1 cover letter
Hi, I am in the process of applying for a remortgage and the valuer has asked for the ESW1 form and cover letter. The form I am told is fine but he is questioning the cover letter and it’s been over 2 weeks to get any more information from the valuer about his requirements. I am now waiting for the underwriters to follow…
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Proof of share freehold from solicitor
Dear Sir/Madam, I wonder if you could help me. Back in 2015 my neighbour and I decided to buy the freehold of our properties from the council. We asked a solicitor to help us out. I've got confirmation e-mail from solicitor that the freehold purchase of our properties has been finalised last year following payment but not…
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When to buy home insurance as FTB?
Hi everyone, I'm due to exchange and complete in 1 week, when should I buy home insurance? Can I even buy it the night before like with car insurance? Also, any recommendations on where to search for home insurance for best rates please!
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Tenancy in common or joint?
What's the difference between the two if we have 50-50 shares?
