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Insurance between Exchange and Completion
Hi, Looking for advice on the appropriate insurance for the period between exchange and completion. When we have moved previously a) this has only been 24-48 hours and b) the mortgage broker sorted it so we didn't pay much attention. This time round however, we are likely to exchange 4-5 weeks prior to completion. I know…
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Completion Certificate
Where can I find mine?! 🤣 Buyers solicitor is requesting a copy, I’ve checked all our paper work from purchasing the house but can’t find one. I don’t remember it being flagged that there wasn’t one when we bought either. We had a NHBC certificate when we moved in. Also, should my solicitor be sorting this? Thanks in…
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Removal quote
Apologies if this is in the wrong thread. I’m moving from Glasgow to Cheshire (2 bed third floor flat to first floor). I’ve been quoted £1500 inc VAT. Price includes packaging. Is this reasonable?
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Which other countries do it better? Why the ambiguity in which countries?
theartfullodger said:A landlord or agent does not have to credit check a tenant. But since checks - which start at £7 and will flag CCJs - are so quick, easy almost all will. Be honest, you might get lucky. Especially if other things in your favour eg high income, payslips and bank statements available, calm polite and…
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Removal of boundary
We recently moved into a property and upon arrival noted that the boundary wall to the left of the property which we maintain had been ripped down. The structure was made from railway sleepers and a four foot fence on top, all the fence and posts are missing along with a large number of the sleepers, this was built to…
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Partner is a first time buyer but I am not?
Hi, I've been looking into different scenarios for me and my partner. If I am not a first time buyer and he is, I understand that his help to buy isa scheme is still valid if we buy together, but that the stamp duty relief will no longer apply to us due to my non first time buyer status. However, I do not understand how it…
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New Build Exchange- Mortgage Extension
So I reserved a new build in March with a planned completion date in November. When instructing solicitor and applying for a mortgage we re-iterated that it was an off plan plot and completion would be more than 6 months away so it would be likely that a mortage extension would be required. Both my solicitor and mortage…
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Deposit Declaration
Hi there, I’m a newbie to the forum. Have just started the process of (hopefully) buying first house, along with my husband. Wondering if any of you can help with a query… We are filling out paperwork for the solicitor, specifically the source of funds and wealth questionnaire. So here’s the query - do we have to declare…
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Timber framed new homes
Any thoughts on these? We've seen a development we like and it ticks most of our boxes, but some builder friends have suggested these new timber framed homes are ticking time bombs. Other online reading has suggested they've gotten a bad rep based on older timber framed homes which had problems new ones don't. It wouldn't…
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Any experience/knowledge of protected lease on freehold residential property?
There's a house for sale that we were going to offer on but the estate agent notified us that the house, although freehold, has a protected lease. We asked for more info but that's all they knew. They said we would need to contact their solicitor to find out more. Unfortunately, we use the same solicitor as the sellers of…
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When should I declare previous floods?
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Renting a house with ccjs
Afternoon, I've been a long term lurker over the in the debt forums but never actually registered until now. I am looking to rent a house but I'm concerned that I have 4 CCJ's on my credit report. 2 of them are from October 2015, one from October 2016 and one from 2017. These all stem from when I lost my job in 2014 but…
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Existing loft no building regs
Hello, I am currently in the process of buying a house built in 1890’s with a loft room. We have had our buildings survey back and it has said the loft doesn’t comply with fire safety regs and is therefore unlikely to comply with building regs. we’re concerned as believe if this is the case then the attic room cannot be…
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Sell House via Doorsteps
Hi all, Has anyone had any experience of selling a house via doorsteps.co.uk an online estate agent. Looking at their pro package. Any advice/info much appreciated. Mark
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Received offer for flat - opinions please?
Hi, I was wondering if it would please be ok to get some opinions on an offer I have received on a one-bedroom as I’ve technically never bought, or sold before. Apologise, this is all very new to me. In 2019, I was left a one-bedroom flat located in Mitcham, as inheritance. The flat is on the top floor of a three floor…
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Exchanging and completing on the same day
I am selling my flat and all was going well, with exchange iminent and completion to be a couple of days later. Then everything seemed to stop for a few days. My conveyancer then told me that they want to exchange and complete on the same day. When asked why, their conveyancer said that they didn’t want to risk there…
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Sale delayed
I am a cash buyer, buying a leasehold property which is 4 years old, no chain. Enquiries raised by my solicitor to vendors solicitor still not answered from March. Most important there is a restriction on the title that is incorrect so I cannot be put as the registered owner with Land Registry. What could this be? Who…
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Solicitor delay means don't meet stamp duty deadline
Hi all, Hope someone can help. We offered on a house in March and accepted. Our buyers sold to an investor and our sellers buying from a no chain property. So the chain is... Investor, buyer, us, seller and top of chain seller. We want to complete by stamp duty deadline end if June to avoid 3k in fees! Everyone in the…
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Ground Rent Review on leasehold property.
Hi - we have a property that we bought 7 years ago which is a leasehold property. We have been paying £222 per year since the purchase. (we have asked to purchase the lease but received a negative reply). Today I received an email from the asset management company on behalf of the owners (Aviva) saying "Following a review…
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Letting Agent issues
I'm looking for some help in handling a complaint I am looking to make with my letting agent in regards to their conduct. My letting agent made a visit to my house yesterday because rent was 6 days late under the guise of it being a welfare visit as they had not been able to contact me using another method. The rent being…
