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Chance of a getting mortgage
Good evening. I'm looking at a remortgage but was wondering my chances as I have quite a lot of intentional credit card debt approximately £25k (bought shares which have gone up in value substantially but won't sell due to further growth expected). I wish to borrow approx £90k on a BTL mortgage. My salary is approx £38k…
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BTL LTD company mortgage
Good evening. I'm after a little help please. I have a buy to let and it would be beneficial to have my property in a LTD company but my mortgage company won't to this. Can anyone tell me who offers BTL mortgages in a LTD company name please? Much appreciated Thank you so much
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EWS1 Issues and Advice
I was wondering if anyone could give me advice on EWS1
forms or perhaps has been in a similar position to me. I have had an offer accepted for a flat and the EWS1 form
has returned a B1 rating meaning that remedial work is not currently needed
although there are flammable materials present on the buildings exterior. The…
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Booklice, cowboy builders and a whole lot of hassle
Hello I'm looking for some advice. We moved in our house in Feb 2020, in March/April we had mould and plaster beetles on the window sills. I was told this is normal and to keep clearing this up. I did and after a month of cleaning twice a day it cleared. We then had a leak in the roof, condensation leaking down from the…
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Working out final rent payment (leaving property early)
My tenancy started on 5th August 2020 and rent is £1050 per month. I have used the break clause to end the tenancy on the 31st March 2021. My understanding is my final rent payment is to cover 5th March to 31st March (26 days). £1050 / 31 = £33.87 per day * 26 days = £880 final rent owed. The letting agent is saying my…
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Anyone moved or living in Banbury?
My partner and I are currently looking to move to Banbury. We live and work in London and after looking at several towns within about 90 mins drive of London, Banbury fits with its transport links, smaller size and more affordable housing. One thing that we have noticed, is the strong smell from the JDE factory. We've…
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Deposit dispute - landlord is now claiming rent arrears
My situation: I entered into a 6 month AST starting 6th Sep 2020. I had to unexpectedly leave the area in early Oct due to a family issue. I notified my landlord that I could no longer stay, but that I would keep paying the rent until I had found him another tenant if he was ok with replacing me with someone else. He…
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Selling of house advice and bits
Good afternoon all, in 2019 I inherited 25% of my family home which is shared with my brother (25) and father(50) we lived in the property from Aug 2014 to 2019 with paying my father "rent" 17k over the time we lived there (wife/daughter and myself) moved out due to family issues. We have been looking at getting a mortgage…
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Vendor buying new build
I've found a property I really like, however the estate agent has said that the vendor has found a new build and that completion of that wouldn't be until August so 6 months from now. I'm a FTB living with family so timescale doesn't bother me I'm just worried about the fact that they're buying a new build which will no…
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Contemplating a move from London to Scotland (Edinburgh outskirts )
We're currently contemplating longer-term plans to move out of East London suburbs up to Scotland. Initially, we're thinking within the Edinburgh-Glasgow-Stirling triangle (but open to suggestions), and likely in 1-2 years time as best suits schooling for our two teenage kids. We'll be looking for a spacious 4+ bed…
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Homebuyer survey results show damp - First time buyer and not sure what to do!
We have just had a Homebuyers report done on a property and are not quite sure whether or how to proceed!! The report came back with most things in Green (1) or Orange (2) however there was a point which states there is damp in the roof. Does anyone know whether this sounds like a major issue? We're working on getting a…
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Ditching solicitor shortly after signing contract
I have recently accepted a quote from a solicitor for my house sale and signed a contract for them to proceed. But I have yet to receive any acknowledgement of my email to them and when I have rang them up their general conduct makes me wonder whether I actually want to deal with these solicitors for my house sale. Is it…
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Land Registry Query & Rent Charge
Hi, I'm hoping someone might be able to help me, or someone from Land Registry might read this and be able to help out. I'm purchasing a property and as part of the solicitor's checks it has been identified that the property has a histroic rent charge of £4.50 on it. The lender (Barclays) have refused to lend unless this…
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social housing, bidding
Hi, We have registered with local authority and after medical review by council doctor, we were given medical priority for ground floor, first floor max or any floor with lifts. We are okay with lifts but not first floor, that's including steps so thought only bid for ground floor flats or any with lifts. I know, we have…
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New Help to Buy
I am currently doing shared ownership and would like to get out of bed with this scheme. I would like to save money and do Help to Buy Equity loan instead, where my outgoings would be less and more is being paid off on the mortgage. I wasn’t in the position to get a big enough deposit to do help to buy equity loan, but now…
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Titles and warranties
Hello, I’m in the last phase of buying my second house and have come up against an issue with the titles and a structural defects warranty. I have a couple of questions and would appreciate any insight from those in the industry or those with similar experiences. 1) We have a CRL warranty (I know there’s a massive thread…
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Do I need a survey
I was under the impression that you should always get at least a home buyers survey? But my mortgage advisor said as it’s a recently built property not to bother. It’s a 8 year old property.
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Damp from roof/chimney but just about to go on the market
I'm about to put my house on the market which has made me look again at a damp issue i've got in an alcove wall in one of the bedrooms. Historically, it showed water ingress evidence a couple of years ago so i had a roofer look at it. He was keen to relay the whole roof but I said no as it was sound everywhere else and i…
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Buying out of joint mortgage - Advice please!
thanks for the help!
