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Help! Flat advertised as leasehold, turns out to be freehold
Hiya, we are FTB and had an offer accepted on a flat 6 months ago. The flat is a victorian property that was converted into 2 flats in 1989. We were told the ground floor flat we are buying is a leasehold. All documentation we have had so far also states the property is a leasehold. Our solicitor has just found out that…
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Nightclub below flats - noise issue
There is a nightclub down below my rented apartment in the basement. At the time when I moved in I had no idea the bass sound could be so penetrating. I complained to the city council, they sent people to my flat to investigate but could not care less. One of guys just said he couldn't hear the noise at all....Then COVID…
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New built completion on 29th Sept 2021, would stamp duty holiday applies if paying after 1st Oct?
Hi everyone, Just get clarification and I think the exemption shall apply. I am purchasing a new built house and the completion date is 29th Sept 2021. I know that the stamp duty holiday runs out on 30th Sept 2021. However, I do not think the solicitor can be quickly enough to pay for the stamp duty on 30th Sept. If the…
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Face coverings on viewings
Not wanting to start a debate and I am aware of current government guidance but; We've viewed with one agent twice in the last couple of weeks. Both times we've requested that the EA wear a mask (as we were) during the viewings, although admittedly not in advance of the viewing (I'll pre-empt the question). On both…
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Conveyancing Complaint
Can an official complaint / claim for compensation be made
against the other parties solicitor on a house purchase? Basically they informed the Estate agents and our solicitor
that a claim for adverse Possession, which needed completing prior to purchase,
was made in April (our Sols sent me a completed copy of the sellers…
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AST length changed without consent
Hi All, I have a situation with my Rental agency. My AST end date was on 1st August. on that day I have received a Text from my Rental agency advising there will be a rent increase and asking if I want to renew. I called them and sked why I am getting this notice on the last day of agreement to which they were vague and…
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Mortgage free, but trapped?
Hi all 👋 My husband and I have been mortgage free since 2017. We were able to pay off the mortgage due to criticall illness cover paying out when I was diagnosed with cancer. In that time we have taken out a loan to upgrade our house and have approx 9k left to pay on that. We were thinking of possibly moving again this…
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Best bad credit mortgage brokers
I have previously written another post about my current situation. To cut a long story short both me and my partner are looking to buy our first home through Help To Buy. The houses are not available until sometime probably mid next year so we still have time. Problem is, his credit - three defaults, one from December last…
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Let Alliance - letting credit reference
Let Alliance is the company doing the checks - I'm really nervous as there doesn't seem to be many houses out there and we're running out of time to find something, this house is perfect. We have good credit scores, household income more than 2.5 x rent. No current or past debt agreements, CCJ's or IVA's etc But we do have…
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FTB - Advice on leasehold property lease extensions
Hi I'm a first time buyer trying to move from renting to ownership before the end of the year ideally, overdue from pre-covid times.The only stumbling block i have is some of the properties i have seen that fall into my budget have circa 90 years left on the lease. My understanding is that come 80 years remaining on the…
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Areas To Seek and To Avoid near Leeds in West Yorkshire
Hi all, I'm new to the forums. I have searched the forums and found some relevant topics but nothing quite like this. I'm an FTB and looking to get a house with my partner near Leeds (her job is in Leeds city centre and she might need to pop into the office once in a while). We don't have a car yet but we're definitely…
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Legal advice needed - student house share
Our daughter is a part of a house share for Uni. It's via a private house but controlled by a housing management company. I did do a post before about this, but it's moved on now hence this new post. From when the tenancy started there was a string of issues, some serious. All of the parents kicked up a fuss and wanted a…
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Sharing of equity.
Hi
guys, I am
new here but looking for some advice. My
partner has moved into my house and will be paying me a sum of money that will
eradicate all of my personal debt. I will in exchange, be sharing the equity in
the house with a split of 50/50 as joint tenants. The issue I have is, a, he doesn’t
have great credit history…
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Buying 2 properties one plot: mortgage/SDLT/planning/...
I am looking into buying a house. I am also considering buying the (small) office owned by the same owner. For the time being, I would be happy to have it as an office (I work remotely) but medium term I would like to turn it into an annex (it already has plumbing) and maybe add a kitchen (I am an immigrant and would love…
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Boiler service needed to sell. Why?
In the process of selling my home, almost at exchange. When I accepted the offer, I made the buyers aware that I was accepting the offer under the understanding that a new boiler was needed asap (I had the fitting of a new boiler booked in, but they offered, so cancelled the plumber). The boiler does work, but it is very…
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How to remove a section 54 caution from Land Registry?
Hoping someone can help. My ex-husband has asked me to remove a caution that was filed on his property at the time of our divorce. I wasn’t aware of it and am not even sure why it was done but I’m happy to assist him in getting it removed as it all happened 30 years ago. My question is whether I should write to Land…
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Selling - agent pushing for viewing before instructing them
Hi, we’re in the process of speaking to a few estate agents about selling our house. Very pleased with the valuations and we have one more coming round before we decide who to go with. We have a preference so far, but the other agent got in touch the next day to say he has a client who lives around the corner (given the…
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Mortgage without permanent work contract
Hello, As per title, I would like to get a mortgage, but I'm on a 3 month rolling contract which is likely to be made permanent, but can take up to two years to obtain. I have now been employed for just over 5 months. My contract doesn't state what type of contract I have i.e permanent or temporary. It's not written…
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Student Joint Tenancy - Guarantor
Hi My daughter has moved into a house with two other students. They had to agree to a joint tenancy to secure the property as the landlord would not consider individual tenancy agreements. All the guarantors are now liable if any of the students leave/don’t pay the rent. The three guarantors are very uncomfortable with the…
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Park Home
I was chatting to a friend today who sold their bricks and mortar property around 2 years ago to buy a park home; although the lodge they bought is lovely and in beautiful grounds, she told me today that it will need to be replaced in 25 years so "we need to sell it before then", also that they pay over £4k a year ground…
