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Buyers solicitors refusing indemnity policy
When we bought our house, we had a fair bit of work done, including new kitchen, solid roof on the conservatory and the wall between the kitchen and conservatory opened up. We were told at the time that we didn't need building regulations approval and we now know this to have been incorrect advice. Now, we have come to…
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Buying Out Ex
Hi all, I am soon to be a financial position to buy out my ex-husband from the house we shared. Assuming I am able to get a mortgage for the amount I need, is there anyone who can explain the process to me? When I look online, I can see First Time Buyer or Move House & Remortgage, I'm not sure either of those apply. We're…
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Any help with the meaning of the word “save” on the lease of a property
Just wondered if anyone would be able to help me please. I am reading the lease to my property. under a section called interior repairs it states: includes 1. cisterns tanks, pipes,wires non structural walls internal 2. internal doors and the frames thereof and other internal joinery 3. save where such doors open onto a…
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Are a married couple always presumed to be joint buyers for FTB SDLT exemption purposes?
If an individual wishes to purchase their first house as a first time buyer, in just their name, but are married to someone who already owns property, can the FTB still do that? Or will they always be considered to be joint buyers so far as SDLT is concerned, by virtue of being married? Our son is married to a Russian…
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Who to contact over lack of soundproofing?
There have been new building regulations set out whereby the walls in any property built after 2003 has to block out at least 45dB. The place I'm living in is a compound of 5 studio flats that were built in 2019 with only a stud wall separating each flat. I can hear everything my neighbours do including opening and closing…
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Advice and info please
I am the sole inheritor of my late Mother's flat. My Brother lives there and wants to buy it. He has raised a partial re-mortgage and been accepted. However, as the seller I have to fill in some forms with his help as I know nothing about the flat itself (he lives there and has done for 14 years) My Solicitor suggested he…
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Noisy neighbour - sense check
I'm looking for a sense check to see if I am being a grumpy old man or if others would be annoyed. I live in a detached house. Once a month (at least) my neighbours throw a big garden party with at least 20-30 guests. The parties usually starts around 6pm and finishes in the early hours of the morning. Like most parties…
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credit score very very low below 200
what would be the chances of getting a mortgage of 15000,with a 30k deposit? with a very poor rating.
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Share of freehold Buildings Insurance
We have a share of freehold situation, with our flat being the upper floor maisonette and our neighbours having the ground floor maisonette - to date, we have had one buildings insurance policy with one premium, but that specifies the two flats individually with their own reinstatement values (which have been equal). The…
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Landlords negative reference
I moved out of my property in March 2021 after being at the property for 15 months. I always paid my rent on time in full, the property was always kept to high standard of cleanliness, and on inspections it was commented how imaculate the property was. Anyway I have just found a new property to move into, I passed all my…
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Problems being offered viewing slots
Hello all, first post. We've recently entered the housing market as First Time buyers. We're currently tenants, but could move more or less immediately if we found the right place to buy. There are numerous properties in our price range in the area of London in which we wish to live. We have an Agreement in Principle for…
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Inheritance affect ftb status?
Hi I was wondering if anyone could help with my concerns. My Dad passed away recently leaving his share of the house him and my mum own in equal shares to his 5 children. Meaning my mum owns 50% of the house and each of us kids now owns 10%. Does this affect me being classed as a first time buyer when it comes to getting a…
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Dispute over electricity provided to rental accommodation.
When I moved into a property my landlord stated in the tenancy agreement that the electricity was payable to them and we would receive a monthly bill. However they have never once sent us a bill. We regularly asked over our 1.2 year long tenancy for a copy of the rates or a bill for electricity to be told they couldn't…
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Offer accepted 5 months ago!
I had an offer accepted on a property in March and have been patiently waiting since then for the vendors to find their onward purchase. Prior to accepting my offer they had been trying to sell for 3 years. During this time they had accepted offers at least 4 times and each time the sale fell through because they could…
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Do I have to disclose fly-tipping when seling my flat?
I have a leasehold flat on an estate in London, and there has been a problem with fly-tipping for years. I just wrote a long email to the council to ask them to do something to improve it (signs/ more dumpsters etc), however, as I'm thinking of selling soon, I wondered if maybe I shouldn't sent it as I know that there are…
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Leasehold, Deed of Variation Ground rent
Hello I am desperate for some advice. I sold my flat last July 2020 and had to get a deed of variation sorted at the insistence of buyers solicitor whereby the rent will increase with Retail Price Index. This took well over 5 months to get the Landlord to agree to and activate at a cost of £1500 including my solicitors…
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Long Stop Date Expired
Exchanged contracts on a new build property 4 years ago with a Long Stop Date of 30th June 2021. Even before covid came along it was obvious they were not going to meet this date. Developers have now announced an anticipated completion of Q4 2022. As the Long Stop Date has now expired, and Notice of Practical Completion…
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Developer threatening to pull out of sale for slow progress.
We are first time buyers buying a HTB property. We paid the reservation fee and left the rest to our mortgage broker. We are having to use a specialist lender and were declined on our first application. We have now applied for another mortgage and it’s under going under writing. They have requested numerous amounts of…
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Fireplace hole in the all - brick up or plasterboard over it?
Dear Forumites, I would really appreciate your view on this matter. This post relates
back to a question that I raised few weeks ago on this forum. https://forums.moneysavingexpert.com/discussion/6282714/plastering-over-an-unused-fireplace-any-advice So basically, I have this unused fireplace, which was
boarded up using…
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Lost Deeds
Hello MSE Forum. I am looking for some advice in regards to missing deeds for a property. My father passed away in January 2021 and we are now in the process of selling his house but unfortunately we cannot locate the deeds. We have searched the house top to bottom and no joy and our solicitors don't seem to be trying to…
