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MSE News: Aviva and Persimmon to shake-up leasehold clauses and refund some homeowners
Thousands of homeowners with Aviva and Persimmon leases are set to benefit following a crackdown on unfair terms by the Competition and Markets Authority - some will also be refunded certain costs. Read the full story: 'Aviva and Persimmon to shake-up leasehold clauses and refund some homeowners - what it means for you'…
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How to deal with slimy Estate Agent? Can I cut them out?
Hi everyone, I'm trying to buy my first flat, and I'm already sick of the estate agent playing games. Hopefully someone can help? Apologies it's a bit long. Flat asking price is 330k. Seller is corporate. I have mortgage AIP through a financial advisor, a solicitor lined up, a large deposit & am chain-free. What's happened…
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Inheritance tax
Hi, me and my siblings plus spouses so 6 in all, are paying 42000 between us , to pay off my mums mortgage she owes left, but taking over the deeds of whole property.with a trust to say she can live thier till she dies. My question is the remainder of the value is gifted to us, we havent signed the paperwork yet, is thuer…
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Buying new house - Garage conversion and Roof Terrace not signed off to Building Regs UK England
Hello. We are buying a property at a cut price in the knowledge it is a bit of a project. There is a double garage (5.5m x 6m) converted sub standard to an annex. Building control have assessed and presented us with the attached list of remediation work/investigations. The stumbling blocks are the investigations, unknown…
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Help to Buy - Survey charges
Hi All, Does anyone have a good recommendation for a RICS Surveyor in the Cambridgeshire/Essex area that can supply a sensible valuation at a sensible price ? Thanks in advance
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First time buyers and mum gifting some of the deposit
Me and my partner are first time buyers, my mum is gifting us some money towards the deposit. She has no photo identification and our Solictor is insisting we cannot go any further until she gets some. Application went in with the DVLA over 8 weeks ago due to strikes etc with them still not heard anything after phoning…
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Mortgage with Seiss
Morning, can anyone please offer some advice. I have seen a lot of posts stating that I will not be accepted for a mortgage if I have received the last Seiss payment. Is this the case and will it make a difference to my mortgage application being accepted if I return the Seiss grant.
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Removals quotes
We've been starting to get some quotes for our move, we are looking for the movers to pack for us but not unpack at the other end. I assumed that it would be logical to use a company local to where we currently live, but then somebody suggested to me that it may also make sense to get quotes from a few places that are…
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Valuation on 1 bed property
Hi I note that for a studio for example the kitchen and living room are all in one room there is no wall or door separating these. I have seen a flat and also a house with this type of structure. Would these type of flats or houses have lower value than ones where there are separate rooms for kitchen and living room? Are…
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New Rental Contract and Damp Issues
My rental is up for renewal on the 1st July. The letting agent has already sent me the contract to sign, but I am hesitant to sign it. Over the past year I have finally been able to get damp issues looked at through getting Environmental Health involved. The issues with damp have yet to be resolved and I thought it very…
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1 day until completion
Hi all, I’m a first time buyer of a new build and due to complete on Wednesday. I spoke to my solicitor on Friday who said she requested for my funds to be drawn down on 9th June (the lender advised this due to the volume going through with the stamp duty deadline). She said they had confirmed funds would be released…
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1 day before completion
Hi all, I’m a first time buyer of a new build and due to complete on Wednesday. I spoke to my solicitor on Friday who said she requested for my funds to be drawn down on 9th June (the lender advised this due to the volume going through with the stamp duty deadline). She said they had confirmed funds would be released…
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Restrictions on the title
Dear All, I am in the process of buying a property which has 6 restrictions on the title, section B. My solicitor states the the restrictions state only notice is required to be served to the beneficiaries and they then confirm to the Land Registry this has been done to remove the restrictions. I am unable to trust their…
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Leasehold - How to inform Landlord of Transfer of Equity
I wish to carry out a Transfer of Equity on a house - owned outright (no mortgage), with myself as Transferor (named on the Deeds already) and objective is to gift the full Title to the Transferee (the other named Tenant on the Deeds). Some research on this forum helped direct me to the forms associated with HM Land…
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smoking home with tar stained ceilings and walls
Hi All I have acquired a house. Its about 20 years old and from the outside it looks like it needs a tidy up and lick of paint. Windows and doors are sound and it has a nice drive...so the curb appeal is there. However, open the front door and its a different story. The lounge, hallway, stairs, and landing walls and…
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House buying reports.
Hello all, your guidance/advise/comments please. I'm a first time buyer and somewhat less than "young". I have paid for a Home Buyers survey on a property that I have made an offer on and the offer has been accepted.The report identifies several areas of concern. (possible presence of red ash in the subfloor, possible…
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Unadopted land.
Hi. I wonder if anyone can help. At the side of my property is a strip of land about 6 ft wide by 30 ft long. Next to this is a footpath about 5ft wide then a school fence . This strip extends about 100 metre and backs onto 20 other houses. No one else has claimed the land. The strip has water pipe under it. This used to…
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Terrible solicitor and House build
Long story short purchased reprocessed land in 2016 planning permission for 5 bed detached house agents never declared problems …. Tried to deal with that but agents took no blame. so we got a builder he built on a couple of meters of neighbours land neighbour won’t let us build unless we have a contact saying we will do…
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Full survey on 80s build house?
We've finally had an offer accepted on a house, it's 80s built and looks in good condition, just a conservatory added since built. My husband is keen for a full structural survey bit I'm not sure if it's really needed? We are a mortgage purchase so will be having a valuation anyway...would level 2/homebuyers report be…
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Mortgage Delay SA302/Tax overview 20/21
Hi, just wondered if anyone else has a mortgage application pending due to HMRC not updating tax calculations for self employed and does anyone know when they are likely to start updating? It’s the only thing we are waiting on now to progress.
