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More advice needed on cracks
I posted recently about cracks in my house that I am selling. Most are hairline cracks and the house clearly needs redecorating, so the buyer will be aware from the viewing that he will need to get the whole place redecorated. However, there are some cracks that although hairline, run right across the ceiling near the…
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FTB BTL Mortgage - help please!
Hello! As stated, I am a first time buyer looking for a buy to let mortgage. I understand this limits my options but I’m trying to go through brokers and banks directly to see who will offer me a good deal but I was just wondering if anyone had any advice to help speed this along, or to point me in the right direction. I…
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Buying a property and I have some concerns
First post here. I put an offer in for a 4 bed semi detached in Surrey approximately 3 months ago, and this was accepted. We are in the conveyancing process at the moment and a few issues have arisen: 1) No building regulation approval for removal of load bearing internal wall and conversion of garage to study room. The…
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Worried about valuation
We’re in the process of selling our property and had a lenders valuation today (sent on behalf of our buyers bank). She asked a few questions about how we arrived at the price - we had two EA’s value the property, one at 170,000 another at 165,000, we put it on for 160 and sold for that price. I’m nervous because before…
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Foul manhole in downstairs shower room
We have had an offer accepted last week on a property which from primary searches (I know people with access to these maps...) has a foul sewer underneath the extension which includes an inspection manhole in the downstairs shower room. The extension was constructed in excess of 15 years ago by a previous owner. At that…
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Mortgage Approved - DFS Application
Current situation is I have a mortgage approved with Accord and I've now exchanged (deposit paid over 25k) waiting for completion on a new build. I didn't use my brain and thought I'd order a sofa and 48 months interest free on 2k seemed very manageable so applied, got instantly approved after Creation did a hard check.…
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Shared Ownership for Older Persons
Shared ownership for the over 55's, a Government Scheme to enable over 55's to buy a house up to 75% (your equity), you cannot buy more than that, however once you hit the 75% ceiling you don't pay rent on the remaining 25%. After redundancies during the Covid crisis, this seemed to be an ideal way to keep our equity,…
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Buyer offering 5% deposit on exchange whereas I am paying 10%
I am going through the process of selling my house and buying a new one. My buyer wants to give a 5% deposit on exchange. I have offered a 10% deposit on exchange to the people whose property I am buying under the advice of my solicitor and the belief that this is the norm. Could this cause any problems if, god forbid,…
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Need help - Property Survey - Deflecting concrete lintel
We had a full building survey done (1980s property, end of terrace). It mentions cracking linten in one of the windows which is left side on the ground entrance. and a subsequent crack in the bedroom above it as a result. "This appeared to be surrounded by fresh mortar, indicating remedial action. Upon questioning the…
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Gas Safety check already expired and no action from LL
Hi guys, I really don't know how to proceed, maybe someone can give me a suggestion, my gas safety check is expired around 1 week ago, i informed the LL 3 times over the last month, and he always answered to don't worry about it, and now we are over the last date reported in the previous certificate. Due to he's in the…
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Interested in a house - asbestos in the extension
Hi all, We're feeling very conflicted about what to do. I'm wondering if anyone can offer advice/ideas. On the weekend we put in an offer for a house (our 8th attempt to buy... but that's another story... :s ) and waited until today to hear back from the EA, after they submitted our offer to the vendors (who are the…
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Property survey- wall condition rating 2
Please see below comment from survey report and advise. Thanks ------------------ The walls are built with an air gap between the inner and outer skins of masonry, called a cavity wall. In this period a cavity wall construction comprises two leaves of brick about 280mm thick, separated by a gap of about 50mm which can be…
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Issues with windows on purchases property
Hi, I bought a property that competed in March. Prior to this I of course had a survey where they rated the windows as Condition 1. The windows were fitted 6 years ago. Just before completion I had looked at the flat and found that one window appeared to have seized. On contact with the vendor he said it was covered by…
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Housing association and trees
Not sure anyone will have the answer for this but here goes. My elderly parents have been living in a housing association property for 23 years. There's a large tree in their garden which is probably at least 100 years old (property is a converted house) and 60 feet tall. Their lease states they must keep the garden clean…
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Carpet damaged by leak
I live in a rented housing association flat. my own furniture carpets etc. Last year I noticed damp in the hall floor. Reported it to housing !!!!!!. They eventually sent a heating engineer out who was a bit puzzled as to where damp coming from but replaced a suspect pipe, still noticed damp on floor and carpet and seemed…
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Property survey -woodwork rating 3
Hi guys Please advise on below from survey report. Thanks -------‐----------------------------- The internal woodwork includes such items as: doors, frames, skirting, banisters and staircases.The internal doors were checked for normal operation and other woodwork examined for a range of defects.Some of the internal doors…
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electrical installation condition report help
i am privately rented. I do not have a electrical installation condition report. Landlord not interested. I asked the council for advice over a month ago and received a phone call back from them to say its not something they would get involved with. My house is very old, some bare wires and cracked plug sockets.
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Property survey- electricity rating 3
Hi guys Please can you advise on below . Thanks ------------------------------------------ Electricity is supplied via an underground cable, which is connected to the single phase meter which is in the cupboard in the hallway.The installation was inspected visually to the extent sufficient to form an overall opinion of the…
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Property survey- gas rating 3
Guys Please advise on below. I know surveyors have provided good details but would like to know what is your view. Surveyors also asked to replace boilers. More details on boiler findings us under different thread on this site. ‐‐‐----------------------------------------------- G2Gas/oilSafety warning: Gas is supplied to…
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Snagging Surveyor - South Northants
We are buying a new build property in South Northants and would love a personal recommendation for a snagging surveyor in the area, or a nationwide one that has been very good. Thanks for the help.
