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Boundary dispute and mortgage reporting
Hi all, We have a boundary dispute with a nightmare neighbour which has been ongoing for the past 2 years. We have been trying to get this issue sorted but our neighbour is refusing to sign off on the boundary position until we agree to some other things in regards to our properties and a shared drive (basically trying to…
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To get a survey or not.. estate agent/vendor unhappy
Hi all.. This is my first post here and am looking for opinions/advice. We are buying our “forever home” which was built in the 1930s and had since had 3 extensions. The property has been kept modern and up to date. Without giving it much thought, we decided to get a Level 3 building survey just for total peace of mind…
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Letting family member stay in empty property
Backgroud Bought a flat in City A 30 years ago, lived there full time. Met partner 20 years ago he lives in City B, continued working in city A and stayed in flat whilst working but spent off time at house in B. For last 6/7 years had a lodger who has recently moved out. Flat A has remained my primary residence. We have…
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Council tax new build - scotland
Hi, anyone have knowledge on how council tax band will be assessed on a new build in Scotland. As I understand it, the value from March 1991 is used to determine the band. However do they use the over all UK comparison or (for us) do they use the Scottish comparison? using the nationwide HPI calculator it gives us a value…
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Bottom of incomplete chain - Found new property
Hi there, I'm hoping someone can shed some light of the best way to proceed. We are FTBs and had an offer accepted on a property back in April. Unfortunately, our vendors still haven't found anywhere and therefore the chain is still incomplete. We do have a mortgage offer for this property. We have been checking RM etc and…
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20,000 undervalued help
Eserv have valued our £225,000 at £205,000 the buyer can't contest as there has only been 1 property that sold in the last 6 months for £195,000 to compare it. The buyer is now looking at other mortgages. Any advice. Obviously we can drop our price but the more we drop the less we loose. Thanks
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Section 278 - Specific Financial Charge
Hello, we're in the process of purchasing a property and have hit the dreaded wall. We have an outstanding enquiry since 7th April relating to re-assurance from the local council that there are no obligations relating to the following: 20/12/2001 Specific
Financial Charge Highways Act 1980
Section 278 - Bond of £35,000…
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Best time to let Landlord know his S21 is invalid
I'm not sure how the s21 proceeds once solicitors get involved. S21 given in Oct with a 2 month extension. EPC wasn't given , only had one done this year as far as I'm aware, so only done in May this year and no how to rent guide when is the best time to let them know that they didn't do it properly. when we get paperwork?…
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Updates on leasehold reforms on existing leasehold houses?
Hi all, have there been updates on leasehold reforms over the last month or two for existing leaseholds on houses? Thanks
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Shared Ownership Lease
I am in the process of buying an 80% share of shared ownership flat. I have found out that there is 83 years left on the lease. I have asked the housing association if I can extend the lease and how much this would cost, currently awaiting their response. This isn't going to be my forever home and I have only gone with a 2…
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LISA Timeline?
Hello everyone. Does anyone have experience with lifetime ISA's and how long they take for funds to be received? Our solicitor came back yesterday and advised all enquiries back and ok they are trying to arrange immediate exchange. My concern is they haven't even applied for our LISA funds??? Should i be concerned? I have…
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Stamp Duty Confusion...
Hi, apologies in advance if this is a really silly question, but struggling to get my head round something.... I have a BTL property with a BTL mortgage. I am about to purchase another property with a residential mortgage, but likelihood is I will end up remortgaging in a year or so as a BTL. Would I have to pay stamp duty…
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Search indemnity insurance
Did anyone use search indemnity insurance when waiting for local searches for a long time? This is the only thing which would prevent us to complete by June 30 and I am wondering if this insurance help...
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Should I buy a house with subsidence?
We absolute love a house and it’s now down to the wire on exchanging as it’s so close to the stamp duty cut off. We originally had a building survey done and he said that the house probably has subsidence due to a small ish tree in the front of our house (on our property). It’s an old Victorian house so bound to be issues…
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Delaying completion on our house....nightmare finding anything!
Hi everyone, we have sold our house SSTC. Buyer very keen to exchange end of June (fits in with her sale) but we cannot find anything to buy. We did have a house lined up but the purchase fell through so we are back to square one. We looked into renting over the summer but there are ZERO options as we have pets, a child…
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Swapping Home Occupancy within family
Mum will retire in the next two years and considering downsizing to a smaller house. She likes mine and has suggested swapping occupancy to try out the change and area. Neither house has a mortgage but are there any tax or legal issues with doing this, aside from e.g. notifying home insurance companies? I'm not sure about…
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Should we repeat the survey?
Posted previously about the issues we had with our survey, there were a few quite major errors- it reported a boiler being in the wrong room, claimed a chimney breast was missing in the loft space which is very clearly there. Having raised these with the survey company they have offered us a full refund on the conditions…
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Missing building completion certificate
Hi guys, I'm currently in the process of purchasing a house that was fully converted from 1no. bungalow to 2no. semi detached chalets in 2003. I've had a homebuyers survey done and no major issues were picked up, however the surveyor stated a building completion certificate should be provided for the conversion works. I…
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How much of a buffer to have after fees and deposit payment for FTB
Hi Looking to take the plunge and buy my first property. I'm guessing this one varies for every person depending on risk appetite but I'm trying to establish whether I am being overly risk averse around how much buffer to have after deposit and fees and wondering what other people have done. Scenario A: I can size the…
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Who contacts seller solicitor or estate agent?
Just in the process of buying a property. Regarding a couple of details that were in the homebuyers survey who’s responsibility is it to contact the seller? Our solicitor to their solicitor or the Estate agent direct to the seller? Thank you
