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How to Split Repair Costs with Vendor
Hi All, A quick question - we have a purchase agreed, but the survey threw up issues with the roof. The Vendor has agreed to split the cost of repair with us. For sake of ease, we were thinking of suggesting her share is held back from the proceeds of the sale (we did similar with the sale of our flat, but ours was…
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Incompetent developers
I reserved a plot but pulled out in the cooling off period. They said they would refund me but accidentally charged my card again. So they said they have refunded me for both transactions. Turns out they cancelled the refund. So now I’m £1000 down and in my overdraft, credit score ruined and I’ll never get a mortgage. Im…
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Looking to sell from overseas
I have tried looking up this answer but i am confused by all the jargon and different answers depending on various stipulations so thought i'd ask in here; I own a property in the UK, i bought it approx 3 years ago but have recently emigrated to Canada. Everything is very up in the air at the moment as i'm sure it is…
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Changing mortgage offer between exchange & completion
Hi there, I would appreciate a sense check on my unfortunate conclusion please :neutral: FTB - completion on 19th Feb. I have had to redo my mortgage twice with HSBC - once originally and a second time due to a price reduction changing the LTV (220k to 205k). The mortgages went through immediately with no underwriting.…
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Transferring from FTB to avoid stamp duty
Hi everyone, My partner will be buying a house for us both to live in, but he is paying for it in cash and he will own it. However, I have never owned a property and so I would benefit from stamp duty relief as the property costs £250,000 (he has owned before). We will not get it through before the stamp duty holiday…
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Title deed removal
My dad brought a house in my early 20s and included me on the property deed but not on the mortgage, the property is currently being rented out and that’s the way we intend for it to stay for the foreseeable future. I am now in the position where I would like to buy a property with my husband but we do not want to pay…
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No building regs on adjoining house
Hi, I brought a end of terrace house 2 years ago. I meet the mid terrace neighbours and they were very happy to me all the building work they had just had completed : New downstairs bathroom New electrics Garage to bedroom conversion New Windows Windows to french doors A large block/flat roof shed I liked the French door…
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Damage to furnished rented property
Hi, I am renting a property via an estate agent, which I paid a full deposit towards to cover any damages or arrears in future. You know how it goes. But what has happened, is my friend came and visited with her cat. We were hanging out in the bedroom whilst the cat was elsewhere. Eventually we decided to check on her, and…
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Property Valuation Downvalued
My Sister who is in process of buying a home has had a Survey & Valuation done on a property but the valuation has been downvalued by about 4K from the agreed price , Does she renegotiate the price I guess with the estate agent or Her Solicitor , also the property is a Cash Buy property no Mortgage. Advice appreciated.
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Indemnity insurance on an existing extension?
Just want to know if its possible to get indemnity insurance on an existing extension that was already on a property? We are purchasing a property that had an extension built in the 1960s and 1990s and doesn't have planning permission. Its since had 2 owners but I'm reading the conveyance which says it needs planning…
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Qurestion about reciving oversea personal loan (interest-free) for the UK property purchase
One of my father’s ex-business partner is willing to lend me around £400K (interest-free) for the house buying in the UK. He is a super-rich Singaporean businessman. It sounds kind of queer going on, but I knew my father saved his life 30 years ago. I am an international student (Taiwanese) who has already lived in the UK…
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Stamp Duty Holiday
As the vendor is still in the process of searching for a suitable property themselves, we really don't have a chance of completing our purchase before the SDLT deadline. Is it feasible at all to complete our purchase by the 31 Mar 2021, but at the same time agree with the vendor to allow them to stay at the property for…
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Japanese Knotweed in new development
Hope you are all well and safe. I am a FTB and using help to buy Equity scheme. I found leasehold flat in a new build development which I quite like. After having an offer accepted, my solicitor received the development information package which revealed presence of Japanese Knotweed. The documents also provide a 10 year…
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Title deed map - not sure what line means! Help before purchase!!
Hi, I am in the process of purchasing a semi-detached house. My solicitor has sent me the title deed and in there I noticed a line connecting my purchase (in red border) with another house with a black line. I have an arrow pointing to this line in the attached picture. I am wondering if this line is of any significance? I…
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Lawyer or just Conveyancer?
Please be kind, I am a very old lady! I want to sell my bungalow and move to a flat very nearby. My query is, is it a stupidity to just have a Conveyancer, rather than a Solicitor? no mortgage involved. I was hoping this would save me quite a bit of money? I would be very grateful for your opinions please.
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Help!! Vendor threatening to pull out!!
Hi all, had an offer accepted of 140,000 (listed as 145,000) on my first home mid december. Mortgage offer in place, searches back, title report recieved and I've signed my side of the paperwork which I'll drop off tomorrow (wanted to drop it off today but I'm waiting on a reply to my queries from my solicitor regarding a…
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Lifetime ISA for self build
My partner and I have a total of £42,500 combined in our lifetime ISAs - £8,500 of which is the government bonus. We are exploring the idea of building a house at the side of his parents property and this would require us to purchase some land next to it. My question is, would we still qualify to use the government bonus…
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Establishing correct boundary
Hi all, I frequently respond to others here about tenancy issues etc, but need help myself this time! The next door neighbour of my detached house has moved the fence into my land (previously was on the boundary). However there's also two conflicting plans floating around so I'm trying to work out how to get this corrected…
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Transfer of Equity - Written Agreement
Hello My parents are separating and my mother is relinquishing her share of the family home for a cash lump sum. We are going to go through solicitors to do this. At the moment the situation is amicable, however, my father wants to get an agreement drawn up to state that this lump sum is full and final settlement in the…
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Selling our flat.
Hi, We are in the process of selling a Shared Ownership flat which we have 50% share, we had to obtain a RICS valuation before we sell. (to protect the housing associations 50%) Anyway, we found a buyer who dragged out the conveyancing process for 8 weeks to then make a demand that we extend the lease which is at 88 years…
