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Which type of survey - potential damp
Hello We have just had an offer accepted on a 13 year old property which is generally very well maintained. Given the age of the property and general vagueness of the homebuyers report we don’t feel it would give us any new information. However we have noticed a small patch of discolouration in the stonework at the bottom…
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Bought 4 years ago - all I've ever felt is trapped
I'm 31 and purchased a small new build in Zone 2 London four years ago (pre-Brexit referendum) when I was 27. I was definitely not as educated as I am now about ownership and if I could go back in time I would never have bought off plan and would never have bought a one bed off plan. I lived in the flat for three of those…
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Conservatory modifications w/o Building regs
I'm buying a maisonette which has a conservatory attached. I had a HomeBuyer survey done back in November, and the following issue came up, which I raised with my solicitor: There appears to be permanent heating installed and the separating doors between the original living accommodation and the conservatory have been…
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claim for disrepairs in lockdown
I’ve been having multiple disputes with my LL/ letting agent and I was hoping to get some advice. When I viewed the property over a year ago there were some issues (broken blinds, broken bed) that they promised to fix by the move in date but didn’t happen. After the move in, on a closer inspection we noticed a lot more…
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When to pay a solicitor when selling and buying at the same
Hi.My house has just went on the market today to sell. I havent found a new house to buy yet but hopefully will soon. Anyway, if someone puts in an offer for my house and I accept it, when would be the best time to instruct my solicitor to proceed with work? I want to avoid losing the fees associated with selling my house…
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Ground floor claiming something that's not their
Hello, I have recently purchased a first floor maisonette flat. To access my flat there is a main door shared between ground/first floor owner, then a small hallway and 2 door for both flats People living on the ground floor has stacked soo many boxed towards my side of the hallway and the top shelf is fully occupied by…
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What do I have to pay prior to completion?
Hi, I am currently in the middle of selling my current home and buying my next home. Completion will be simultaneous. I am using equity in my current home to pay the deposit and SDLT for my next home. What fees will I likely have to pay before exchange or completion? I am trying to figure out how much money I will need…
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Help with trespassing neighbour
Hi, Looking for info or guidance. My other half and I own and live in a two bed maisonette (leasehold) which is up stairs. The people who underneath us have lived downstairs for 21 years (leasehold). We have the front garden and they have the back which they have access to via our garden. Our deeds say they need to give 3…
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Solicitor looking for additional payment 13 months after completion!
Our solicitor has the cheek to be asking for an additional payment, which I might add was their error! They have requested £48 for a Charges Search. We feel it’s a cheek to be asking for money 13 months down the line after completing our house purchase. Can anyone advise? It’s more the principle than the cost itself.…
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Lifetime ISA Questions
Hello all, I have a couple of questions regarding Lifetime ISA: * Can the Lifetime ISA be used in conjunction with the Help to Buy Equity Scheme * Can the Lifetime ISA be used in conjunction with other cash to top-up your deposit amount * Can the Lifetime ISA be used in conjunction with all of the above The 25% Government…
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Mortgage Offer amount is more than documented in the Help to Buy Agreement
My husband and I are purchasing a property using the pre December 2020 Help to Buy Scheme. Santander have been extremely slow with a mortgage offer. We both work and have paid off all our loans and credit cards. We received our mortgage offer on 27 January 2021 and our solicitor noticed the discrepancy of £10,000 in the…
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Santander and Deposit
Hello everyone, I recently got a Decision in Principle from Santander in which I declared my deposit is made up of unsecured borrowing. I have, however, done this before with Barclays and they then said that they do not grant mortgages in which the deposit is made up of unsecured borrowing. A mortgage consultancy firm…
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Divorcee wanting to buy a new home
Apologies if this is the wrong area! What I am trying to understand is my name is on my Ex’s mortgage to allow my children to live there under the same roof they have always own. My name is not on the deeds, my Ex is solo owner with my name on the mortgage. What my question surrounds - am I listed as a secondary home owner…
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Buying next to commercial property - thoughts?
I'm looking at buying my first home. Not a lot on the market right now but there is one good house that's been listed for close to 6 months. It's on a dead end road with some commercial properties (warehouse/garage type things) for an antiques business and a costume business, so not a takeaway, pub or anything that…
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Leaseholder / freeholder difficulties
My son and his family bought a leasehold property and garden some 15 years ago. Approximately 10 years ago they built a small extension in their garden. Due to the poor health of 3 members of our family, my son and his family decided to sell their property in September 2020 so that they could move nearer. They sold their…
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What are our options with property/lending on 1 low salary?
Partner and I have been together a very long time, 15 years but not married. 3 young children. Live in the SE London/surrey border, just sold our shared ownership flat and currently staying with relatives. Partner earns 32k. I do not work as we had an unplanned 3rd child and we have no childcare. Partner has 40k savings, I…
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What should we offer?
This is my first post here and I’m really hoping someone can advise me... How low is too low when making an offer on a house? We’re looking to buy our first home after a miracle inheritance, so no chain and we’re cash buyers. We’ve found a house we love but it’s a private sale, so not only do we not know what we’re doing,…
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Six weeks waiting for contract documents from Seller's Solicitor
Hello, it is six weeks today since our offer has been accepted on a house and our Solicitor still hasn't received the contract documents from the Seller's Solicitor. I should explain that the Seller died early in the year in 2020 and it is the beneficiaries who are selling the house. We still cannot understand the reasons…
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Drainage survey recommended - do we need one?
Hello, I hope you'll forgive my relative ignorance of the house buying and surveying process as we're FTB. We had a homebuyers report survey done on the house we are buying (a relatively standard 1950s build), and it has recommended that we get a drainage survey. The recommendation seems to stem from a couple of issues…
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Fixed price - Scotland
Hi, we are selling our house as fixed price, my estate agent tells me it's first come first served for offers, if you had more than 2 offers can someone offer more than fixed price to secure house?
