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Extension built, house insurance
Hi all. Had a single story extension built by a relative who is a builder. This has gone through local authority and building control etc however I have just gone to tell my house insurance and now they are wanting public liability which my relative does not have (works for a company). I did not realise this was necessary…
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Vacant Possession requirements
We are hoping to complete our purchase by the end of the month to beat the stamp duty window. We are still awaiting all parties to exchange, so do not have a confirmed date. Our problem, and presumably that of many others, is that all reputable removal companies are already fully booked out for June. We have raised the…
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Neighbour dispute
I have recently bought a detached house and my neighbours gate is drilled into the side of my house through a rendered wall. The said neighbour has just put large rocks were i reverse onto my drive complaing people go on his grass (not true) hes just a moody neighbour and got really angry when i asked him to remove the…
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Buyer wants me to pay the stamp duty if we run over the deadline
I'm selling my property at the moment. We're almost there but I'm missing one document related to building regulations. There are currently searches in with the local council but they're not having much luck finding it. Basically we need to get this document so the sale can go ahead - until then, it's at a standstill. They…
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Mortgage lender for people with debts
I am moving home and I am trying to secure a mortgage. I have quite a lot of debt (personal loan and cards) and the major banks will not approve it. Are there any suggestions on how to proceed? Any suggestions on lenders that could potentially accept me? ~Andy
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Is it worth getting an independent valuation after mortgage offer?
Hi all, my lender has sent a surveyor to inspect the flat and confirmed they are happy with a mortgage offer. They didn't say how much they valued it for, but given they agreed to lend the amount I requested, I assume at least it has not been down-valued. That said, I have 20% LTV, so not sure if this has made their life…
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Conversion of weekly rent to monthly
Hey everyone, apologies if I make any mistakes here, I don't really spend any time here. I'm moving into student accommodation with 3 other people and our rent is accrued weekly but paid monthly, it is £90 per week and we all have varying contract lengths. What confuses me is that we're all paying different monthly amounts…
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renting attempted burglary estate agent says I must pay
Hi just looking for some guidance as had an attempted burglary in my rented (through estate agent) flat and the estate agent says I must pay for the damage. I've only just moved in and don't see that I am at fault. It is only on the framework to my exterior door surround and is a gouge next to the lock. Googling says that…
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House Selling - Structural Survey
My house has sold and the usual issues with an older terraced house have arisen. The initial survey for the buyer’s mortgage brought up some concerns about cracking in a rear wall (which has been like that for 20 years, which is how long I’ve lived here). Understandably they require a full structural survey. The big…
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Solicitor keeps missing sellers info
Hi were in the process of buying our first house. Offer accepted, Mortgage offer, solicitors instructed. Valuation and survey done. We waited 5 weeks and then rang the solicitor for an update (is this too soon??). Our (🤞🏻)home is under the the stamp duty threshold so this doesn’t have any bearing on this sale. She said she…
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Illegal Sublet
Can anyone kindly advise on the following situation (UK) A landlord has let a flat to a tenant who was on a rollover The tenant is from overseas and has gone back home They have given notice that expires 7 July Everything was above board deposit protected etc The landlord went to do an inspection last week and found a…
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3 Month Delay to New Build and Ending Up Significantly Out of Pocket
Hi all We agreed to purchase a new build home from a major house builder in Feb. The expected completion date was mid-June. My partner is pregnant, so in order to keep things as stress free as possible and to give the builder a significant amount of wiggle room should anything unexpected happen, we aimed to sell our house…
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What level of “making good” for the new owners when you move out?
I would be interested to know what others have done and what people think would be expected. Our buyers have so far been brilliant so I want to make sure they are happy when they move in. Apart from a deep clean and not leaving holes in the walls, we are going to touch up a few minor bits and pieces we have spotted. The…
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First things to do post completion
Dear forum members, We are set for completion this week post which we need refurbishment / renovation done before we move in (renting at the moment). What are the immediate things we should do after completion? I have listed few here, please advise any more - 1. Council tax 2. Utilities 3. Boiler service plan 4. Change…
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Enquiries
Been waiting for over a week for 3 enquiries to come back from the sellers solicitors which the vendor says they sent back within a day. I emailed my solicitors to get an update but they haven’t responded. Would now be the right time to chase again or, am I being too pushy?
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Looking for houses, spotted a bungalow - pros/cons?
I'm currently looking for a 4+ bed house in central belt of Scotland. Wasn't initially considering bungalows, but have spotted a couple that appears to have the space we're after. We're a family of 4, we're in our '40s, so no pressing need to avoid stairs. What are the pros/cons I should be weighing up with a bungalow…
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Barclays - How long to get title deed?
I understand this is not a usual time but it’s been over 4weeks since requested. Anyone else had any time delays in getting deeds from this company? it’s the vendor of the house I’m buying whose deeds have not arrived at my solicitor
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Student rental hmo query
Me again! Thanks to all that helped get the landlords address for my student friend that I am guarantor for.... Next query.... her lease (5 people named on one lease) is fixed to 12th august. I've asked my friend (who has returned to her own home in the EU) to get in touch with the other 4 to ensure they are leaving. What…
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Question about an attic conversion..
Hi folks, For context about my question: I live in Northern Ireland and I am a first time buyer. I have had an offer accepted on a home. It has an extension (no documentation provided it was approved) and an attic conversion (again, no documentation) however the attic was not listed as a bedroom. After my offer was…
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Moving out, Notice Given, Rental Period Clarification Request.
Hi, I am hoping someone can confirm for me... I am not very clued up with legislation and renting properties and will admit to maybe being a little naive here but, due to various issues we have decided to move out of our rented property of over 5 years. We have been offered another home renting which we have snapped up and…
