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Covenant
If there is a covenant between two flats in a converted house and changes have been made breaking the covenant over 10 years ago and nothing to do with me, can one party refuse to sign any further covenants to prevent me selling my freehold flat? Is this totally irrefutable? Is there anything I can do? Or do I get a Cash…
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Reference check
Hi, I am looking to rent a place and wondered would i pass the reference check? My partner is on a fixed term 12 month contract which expires 6 months before the tenancy ends but should be going permanent earning £27,000 a year and I earn 35,000 a year on a permanent basis do you think we will pass the reference check for…
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Further issues raised by buyer re drain and build over agreement
My buyer has sent via the agent the following request. The agent says it can all be dealt with by indemnity: "The rear drain that re-enters the house does so because the main drainage pipe was built over by the extension. The homeowner at the time should have procured a Build Over Agreement from the local water company. I…
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Sellers conveyancer lied
Need a little guidance here as I'm not quite sure what I'm dealing with or how to deal with it! Sorry this is long! Our sellers Conveyancers have been a bit of a nightmare from the start, unresponsive to our conveyancer, not returning paperwork etc in fact they sat on the initial contract pack for 3 weeks until we got the…
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Advice on buying house from mother
Hi all, My mother has an investment property, which she owns outright and I would like to buy from her. I will not qualify for a mortgage, so she is planning on being the bank in the transaction. I would give her a 20% deposit from my own money and would pay 80% over a term of 15 years at an annually adjusted interest rate…
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Leasehold allocated parking
Hi, I'm at the very end of the process of purchasing a last minute issue on the allocated parking space has been raised. There is no mention of the space on the land registry deeds we just have it in the lease (screenshot below). The issue that has been flagged is that on the Plan 3 only the flat boundaries are marked and…
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Duties of inventory clerk?
I had an inventory done after a tenant left, and on the basis of that returned the deposit. I have now discovered that the outgoing tenant had wrecked the controls on the oven but glued the control knob onto the front of it. The first I knew about it was when the incoming tenant tried to use the oven, and it didn't work!…
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promisary note
Some years ago my friend and I bought a house between us . In 2004 I bought his half from him and he provided me with a private mortgage covered by a promisary note for £100,000. The promisary note has interest added to it which is normal for them but he has always claimed he does not want interest. I have many emails from…
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Valuation Range
Between lenders (Nationwide Countrywide and HSBC L&G Surveyor, 10k difference, desktop valuation at FD is 5k difference to surveyors) Estate Agents (both down valued what the banks surveyors said by 10-15k) All affecting my 60% LTV and 75% LTV bracket! It is so subjective!
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Only offer on table...but rejected!!
Hi guys I'm first time in this forum and a FTB so may be a little green so please bear with me! We got our DIP after hiring a mortgage broker and going through credits checks etc. Started a few viewings. We put an offer in on the first house which was well within our budget but slightly poorer area. 20 other offers were…
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Who pays legal fees?
I recently took the Management Company of the block of flats where I live to Court following a breach of Section 22 of the Landlord and Tenants Act 1985. They were found to be guilty ,and a 12 month conditional discharge given ,as the Magistrates stated that it would be unfair to the 17 owners of flats in the block to have…
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Will Land Registry Charges on a house stop a mortgage being given
I am selling a relatives house, however there are Land Registry charges c(i) and c (iv) on the property. These were attached in the 1960's and 1980's respectively. The persons involved are all now deceased and there are no documents to support these charges. The buyers of the property have informed me that they cannot get…
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Hoping for some clarity on settlement of property in a separation
I have a difficult situation with my home and am hoping for
some clarity of where I stand Background is as follows I moved in in late 2014, we lived together for around 6mo,
then my partner became ill and had anxiety issues together with heightened insecurity
etc. she requested I bought into the property as a sign of…
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Reassurance needed please
I am a first time buyer and am buying on my own. I'm just about to exchange on a very cute, but small, 1.5 bed house. It has a small but nicely formed garden, a spiral staircase and lots of character. It's also in between an area that I like for its amenities and another area with a fantastic park, and I did lots of due…
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Home survey for a 2002 built home- which one?
Good morning, Im looking for advise, we have offered on a 2002 house and just wondered what survey if any is needed. We have looked at the different types and the full survey seems OTT but it seems the others aren't intrusive so im left wondering what the benefit would be on a relatively new home. We are potentially…
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Where to get old transfer documents containing restrictive covenants? Not held in land registry.
************* Updated question ************* Many thanks to everyone for all your help so far. I have yet one more problem that needs sorting. The land registry title specifies in the charges register that:"A transfer of land ........... blah ..... blah .................................. contains restrictive…
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First Homes initiative- can someone explain it to me?
My mum sent me this article: https://www.theguardian.com/money/2021/jun/04/first-time-buyers-in-england-offered-new-homes-at-up-to-50-off Me and my husband seem to be eligible. We are renting, are trying to save for a deposit, earn under 80k p.a. combined and won't be buying as an investment. But I can't figure out for…
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Getting cold feet...is it normal?
Hi all, We are about a month or so into our chain free purchase with searches due back by the end of June and I am starting to get cold feet about the house we are buying. We are FTB and have gone with a small starter house so we don't envision ourselves living there for anymore than 5 years, but wanted to get on the…
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Minor internal works in ex council flats
Is it Normal that flats where the freehold is owned by the council are quite restrictive in terms of leaseholders even carrying out minor work such as retiling floors or installing new kitchens? The few I’ve come across seem to only allow work to be carried out by suppliers on their approved list, they also require…
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First Homes Scheme - Your thoughts?
"First-time buyers in England offered new homes at up to 50% off | First-time buyers | The Guardian" https://amp.theguardian.com/money/2021/jun/04/first-time-buyers-in-england-offered-new-homes-at-up-to-50-off
