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Solicitor convinced we've returned a signed contract we were never sent
Due to complete Monday (22nd), paid all of our fees and deposit today, thought it was odd we hadn't had a contract yet! Contacted the solicitor a few times over this week with no replies, so rang her assistant who is adamant that it's in their office on their desk and we've signed it? Supposedly it was sent out to us on…
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Holiday Let Mortgage
I have a house, with a mortgage (approx 24% LTV). I have a BTL (approx 65% LTV). Hubby has BTL (approx 35% LTV). We would like to purchase a holiday let property at 75% LTV. Why are the holiday let mortgages based on salary rather than expected rental income? Seems odd when we have equity and rental income for all…
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Letting agent problems
Hi any advice please we left our previous property last year after umpteen problems that were never fixed ..black mould on walls blocked guttering ..shed falling down which resulted in rat problem no shower for 4 days and we were told we had to find stop tap ourselves b4 they got shower fixed or ring water board to get…
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Solicitor queries answered.... unsure what to do?
Hi all, my solicitor has recieved the following answers to the following questions - 9. Please provide an up to date gas safety Inspection Certificate. (Out of date one provided) 10. Please provide an up to date electrical safety Inspection Certificate. - non available 11. Please forward Certificate of Compliance or…
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Regarding putting an offer on first house
Hi everyone :) I’m a newbie here! Me and my partner are first time buyers, we’ve viewed a perfect house and it ticks every box. Now we are thinking of putting an offer in, we have the money for the deposit and a mortgage in principal set up. The house price is at a guide price of 219,500 , the estate agent has advised us…
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TR1 transfer deed.
I am having problem with my solicitor who don’t want to email the final report and the purchase contract and transfer form until they receive approval for the transfer deed. My solicitor emailed the draft transfer deed for approval on Friday. I emailed the EA to check if sellers solicitor has emailed the approval for…
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IHT Implications
Hi All, I will be purchasing my parents house off of them for their outstanding mortgage amount of £256k, the house is valued around £600k meaning they are gifting me £344k in equity. They will be living in the same house after the purchase is done so it is a GWRB. I have spoken to multiple solicitors and tax specialists…
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Where to put my deposit?!
Hi all, My parents have kindly offered to give me a chunk of money £5000-£6000 to put towards my house deposit. I am not quite ready to get a mortgage yet as I need to save for a bit longer. I already have a help to buy ISA which I put the maximum £200 a month in each month. Does anyone have any advice on where to keep the…
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Tricky Gifted Deposit Situation... Advice Needed!
Heya, We're first time buyers in the more-than-lucky position to be receiving money towards our deposit from both my dad and my partner's mum. With my dad it's straight-forward as he has the money in his account already. With my partner's mum, we thought she would have the money by the time our sale was at this stage, but…
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New build home/Garden not complete on completion day.
Hi everyone, looking for some advice and would be grateful for your views and personal experiences. Our completion date for our new build was the 28/01/2021. The day before our move in date we were sent an from the sales office to advise that the garden would not be complete due to bad weather conditions. We did visit the…
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Gas safety check/certificate?
Hi guys As contract particulars are thrashed around, my solicitor has informed me that there is still a gas certificate missing from the vendor's side. However, EA, who is just as keen as we are to get this over the line before the SDLT-holiday is over suggests I pay for it myself, or instruct the solicitor to disregard it…
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Council Tax Renting
Asking for someone else - when you rent from a private landlord, does the renter pay council tax, or does the landlord pay please?
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AST deposit registered three years late?
Hi everyone, We moved into a property in 2018 and are moving out next month after 3 years in the property. I couldn't find my AST deposit certificate in my emails, just a leaflet about TDS, but then I couldn't find our deposit on their website. I emailed the letting agent, who then provided me with the certificate.…
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First time buyer over 45
As above really. We've been unable to save until now. All of a sudden our salaries have improved and can save (£500-600 pm), we've always wanted to buy a house of our own and we are fed up of privately renting. Is this going to be possible given our age? I'm concerned that lenders wont even look at us considering that by…
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When to arrange home insurance from?
I got a letter from my solicitor this morning that the seller is 'in a position to exchange'. I confirmed that he should proceed and received a further letter stating that he will advise when exchange has taken place. I have no idea how long this will take - will it be today, tomorrow, friday, next week...? Is it safe to…
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Exchange of Contracts Taking Ages, For No Obvious Reason?
I had an offer on a property accepted 6 months ago now. I'm a first time buyer and the seller is moving to a new build, so for all intents and purposes, a nice short chain. There were a few issues regarding the searches of the property which took a little while to sort out - but that was all sorted before Christmas.…
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How long is too long to be on the portals
We sold our house last November after 2 weekends of viewings but our chain fell apart. We've now had about 3 weekends on rightmove and a decent amount of viewings but no offers. How long is too long to be on Rightmove? We are competitively priced and our property is in a good condition. I've had a look on Rightmove and no…
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Just rented a home, carpets aren't clean or too old. looking at my options
Hi, just wonder if someone with experience on private renting could give some advise. Just rented a place, when having the viewing, the property was on repairs and I just assumed the carpet was going to be changed. was so excited that finally found a place and been accepted that didn't stop thinking on those details. I…
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Would you buy opposite a holiday park?
Hello, We have found a house we like but its literally directly across from the entrance to a Haven holiday park. Would that put you off? What should we consider as a consequence to this?
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WWYD? - Extension over garage, near sewer line, no planning or building regs
House purchase with no chain on either side, nearing 6 months from offer due to significant delays getting information from vendor / vendor's solicitors. Lots of missing info we're being asked to buy indemnities for or just accept, including: - Fensa * not much we can do as can't even get non-contradictory info on…
