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Shared ownership schemes
I already own two properties. One in Cambridge which I let and another in Stevenage which I live in. I work in London and would like to live there if I could afford to do so but at present I cannot afford to buy (I'm actually a key worker so not extremely well off). I am curious is it possible for me to use a help to buy…
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Haggling with Estate Agents?
I am curious how much is a normal amount that may be possible to haggle with an Estate Agent (London £400k property?) We've only had one agent in so far, been told they are 1.65% and I am curious what peoples thoughts are of reducing that amount, and also to what a usual reduction would be? (Or am I just being hopeful that…
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Survey first or Offer?
Hello I went to view a property that I like. It needs a full refurb. My only concern was cracks in all the plaster in all the front windows. There were no visible cracks in the brickwork on the outside of the house It's 20 years since I moved house. Would this need an expensive structural report? Do I get the BEFORE an…
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Where to find a conveyancer?
I had my offer accepted (surprisingly) Overwhelmed by the options and 2 lots of price comparisons sites, I don't even know where to begin, it should be a simple process, empty house and I'm not in a chain. I have an accepted offer, a MIP and so far that's it. I know personal recommendation is best but I don't know anyone…
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Identifying roof construction without access
I'm buying a top floor flat in a small 60s block, which I suspect has a 'cold' flat roof - essentially very little insulation in the roof - so I will want to install insulation panels on my ceiling to ensure it isn't very hot in summer and very cold in winter. There is a clue in that the rooms all have ceiling fans, but…
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Ground rent woes
So it turns out we have a unmortgageable house, only discovering this when our lender of 13 years (Santander) refused to give our buyer a mortgage due to a ground rent clause that has always been there. Our ground rent clause is confusing to say the least, referring to the value never being more than £1 less of the figure…
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Stamp duty
Hello, can you please help with our basic calculations? Keep getting different answer from conveyancer and directgov site doesn’t seem to update when we change the date. Both FTB property £335000 residential, freehold UK residents main home. Just need to know how much tax before and after 1st October. We have £1750 pre…
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Can I claim tax back on my rental home??
Hi all, here's the situation. * Me and my partner (unmarried) own a flat * Mortgage paid down to just £3k owing * I have a new job up-country so I wil be renting a house there. The missus is moving there with me too * We will be renting out our flat that we own * Do we have to pay tax on our flat that we are renting out…
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Lending on property with Knotweed
Hello, We are in the process of buying a property. Our mortgage offer has been made and we have progressed through searches and are near the end of the process. There is a presence of knotweed within 7meters of the property which is coming from the neighbouring property. A professional knotweed company has done a survey…
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Please help - Ex LL selling my possessions after holding them "hostage"
Hi please can somebody point me in the right direction as really quite vulnerable and on my own. I have recently found that my ex LL (who was holding all my possessions like a 'hostage') as he said that I owed him rent, but I don't .... has either sold, or is/has been selling my possessions on an online auction site. I…
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Rental deposit
Hello, First time renter here. I needed some advice around rental deposits. I rented a property via a well known estate agent to which the tenancy ended. An inventory checkout report was completed with the recommendation that everything was left in a really good condition and no deduction to the deposit should be made. The…
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Buying a property that’s occupied with tenants
Looking for some advice… I’ve recently made an offer on a property that is currently occupied by tenants. The sale is offered on vacant possession basis and hence was listed as “chain free”. I’ve since been made aware that the current occupiers have been allowed by the seller to remain until they find somewhere else to…
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Who’s responsible
I have a mortgage on a leasehold flat. The block contains 12 leasehold property’s and the management company have just issued us a huge bill for a new roof which none of us can pay. I’m trying to find out if we are actually responsible for the roof replacement or is this down to the freeholder / landlord and also why this…
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Valuing flats? (how, when only prev listings for houses on rightmove)
Hi all, I am trying to value a flat I saw. Issue is that in the sold prices (rightmove) I can only see the previous detailed listing for houses, not flats. So the sold prices for flats basically is useless, since it could be a studio or for a 3 bed flat :( Therefore, I am looking at what the vendor paid on their purchase…
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Service charges
I have seen a retirement flat I like, but the service charges are very high. I’m not collecting state pension for 7 more years. Does anyone know whether I could get financial help? Same with pitch fees for park homes that are very high at some sites. My health is deteriorating and I’m not going to be able to work these…
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Has anyone dealt with Premier Property lawyers?
We are 5 1/2 months into buying a house. Our vendor is using Premier Property Lawyers. Our solicitor has contacted them on numerous occasions with queries. They never reply. Our house sale completed 6 weeks ago and we are staying with relatives. Our sellers estate agents recommended the solicitors, so seem to think this is…
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House buy advise - no building regulations / safety certificates
Hi All, Please advise us as we are really concerned about the lack of the Building Regulations Compliance Certificates and mainly Gas/Electricity Safety Certificates . The house (built in 2001) we are buying, had following work done in the past, but don't have the Building Regulations Compliance Certificates: - 1. The…
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Who should I be talking to about this? I'm so lost 🙈
Long story short, we got two offers on our flat in mid-June for the same amount of money. One was from a local landlord, one from a man who wanted it for his son. The EA pushed us to go with the first offer, as they'd worked with him before, and they let his properties for him. We had an offer accepted the next day, on a…
