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does my tenancy notice have to be on the rent pay day?
I'm close to exchanging on a house, just waiting for the bank to make us an offer. I was hoping to hear back today (we just paid rent until 3 October), but nothing came through, it will probably be Monday. I don't want to hand in my notice until I know what the bank says. Does my notice have to be today or can I send it…
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[Scotland]Rent rebate if bathroom unusable?
hello I'm new here but told this would be a good place to ask I rented a flat for 12 months, of which roughly 6 the shower/bath tub and hand basin were not useable as they were due repair. Because the factor were dragging their heels the tenancy agency could not organise the work to be done. As a result we had to use the…
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LR Title Register Purchase
Hi all, Sorry to make a new topic just for this but I can’t find anything that specifically answers what I’m after. I bought my house in February 2020 and during a recent conversation with a cousin she told me she’d bought the Title Register (£3 Land Registry one) to my house. I get some folk are nebby and her accessing it…
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Renting my Home whilst travelling abroad
Hi all I am looking to rent out my home for approx. 6
months whilst I travel abroad, and hoping you can give me some tips on what I
need to do as I don't know where to start. * Do I tell my insurance company? * Do I tell my mortgage company? * What do I do about bills? * Include in rental price, but then I am worried I am…
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House renovation being carried out without a co-owners consent/knowledge
Not quite sure which topic this would fit into but this is the closest. A bit of background. My partner left an abusive relationship about 10 years ago. They still co-own the property they lived in...her ex has been living there for a number of years with his new partner (and now the subsequent 2 new children). All…
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Getting started - buy to sell
Looking for some guidance. I have up to £20k to put down as a deposit on a property (buy to sell). Both normal mortgage and bridging loans have their pitfalls - early repayment charges/higher interest rates etc. Anyone know who the main reputable established bridging loan lenders are - I know the normal mortgage lenders…
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Benefits agency told me tenant they will only help her if the landlord evicts them
I have a nightmare tenant, and I have started threads about her in the past. She calls about an issue at the property once a month on average, and that's no exaggeration. I think she does it almost to get back at me. Anyway, I have told her repeatedly she is free to move. Her tenancy has ended. So, I can serve her notice…
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What would you do? Delay completion for better mortgage product?
Would be grateful for views! We exchanged yesterday and completion is targeted for next Thursday (09/09). Mortgage offer from Santander, fixed 5 years at 1.22% with a £1500 fee. Just seen two better products, both with Santander and fixed for 5 years: 1) 1.22% with £0 fee 2) 1.04% with £999 fee I've asked my broker if we…
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Mine shaft within 20m of a possible development
We are currently looking at purchasing a 3 bed semi with land to the side. There was an issue over ownership but that's now been sorted via Land Registry. Our mining report just came back saying there was a mine shaft across the road 17m away. This might not affect the purchase of the property but it could put a stop to…
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capital gains tax with a mortgage
hi all I was wondering how much CGT to pay. years ago I have a house bought for 35000. I remortgaged the property and now owe 81000.This was for renovations on a different property. time has come to sell the original property and I have an offer for 103000. so my question.. do I pay CGT on 68k or 22k cheers for any info
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New build exchange worries & removals issue
Hi, our new build is due to be completed on 24/09 but we haven’t exchanged yet due to new build solicitors not properly answering last 4 enquiries, it has been going back and forth for 10 weeks now. Our solicitors chase to no avail & our site rep doesn’t answer her phone or emails for weeks at a time. We are in a rental…
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Mortgage fund release date - can it be changed
We thought we had agreed a completion date of 17 September with our sellers (S1) and their sellers (S2) so we told our solicitors. They confirmed it with S1's solicitors so they applied for the mortgage. I got a text from Natwest yesterday saying the funds will be released on 16 September, the day before completion. We…
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FTB feeling stuck. What should we do?
Hi My girlfriend and I have been searching for our first house for almost a year now. We've had three come up that we've loved and put offers in for, only to be outbid. We've both been feeling fairly deflated recently and even questioned whether or not buying a house is for us. We've gone from being set on buying in one…
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Timescales - searches and mortgage offer
Hello everyone, It has been a while since I moved house and can't stand things not being in my control so trying to gather as much information as possible. At what stage do the solicitors order the searches? My mortgage application is in and awaiting valuation and the draft contracts have been sent to my buyers solicitor.…
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Putting in a low offer
Any advice on putting in a low offer? Listing says "in excess of £300k" but £280k is our limit. It probably won't work in this market but I'd like to pitch it as best I can. FTB with no chain, mortgage approved in principle and got quite far with another property before they noticed cracks and damp. Other thing is we…
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Land registry and Shared Ownership problem
Having an absolute panic attack about this. Started the process of purchasing a shared ownership property back in May after a lot of issues, changing of solicitors and the seller threatening to pull out on numerous occasions because of delay after delay we thought we were ready to exchange tomorrow. At the last hour my…
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Traveling and item storage
Hello I would like to go travelling for 1 year or so when travel restrictions lift. Is it possible to put all my stuff into storage at a facility for this period? How safe is it and what would the cost be? I don't have much stuff (enough to fill a shed) as I'm youngish person. Most valuable item is my computer. My plan is…
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Renting as self employed
Hello I am a self employed person who wants to rent a studio or 1 bed flat. I have never rented before and must learn how it works. My budget: £200-250 per week. Questions: - Is it possible to rent as a self-employed person? I assume it varies from property to property, but would most landlords and estate agents accept…
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Searches
On buying a property, if you've instructed a solicitor as part of their service to conduct searches, should the results of these either be sent to you/discussed with you/any concerns raised? Are any of the three obligatory or are searches something that are usually only ever mentioned again if the buyer asks about them,…
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Which type of survey?
I've done a bit of searching but can't seem to find an answer to this specific question. I can see that a Level 2 survey is recommended for houses that are fairly new. I can also find that a Level 3 survey is recommended if you're planning on doing any construction work. I am purchasing a 10 year old house that had a…
