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Selling property - planning/legal questions about kitchen ext, conservatory and decking
Hi everyone, we're in the process of putting our property on the market (appointed agent) which we purchased in 2011. I'm trying to anticipate any potential legal issues regarding an existing extension, existing conservatory and rear garden decking we installed in 2012. This all came about because the agent saw there was a…
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Owning another house?
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Refinancing car before mortgage e
I’m buying a new build, due to built in Jan, my car finance is due in November, if I was to refinance for the same value or slightly less would this still affect my mortgage? As I technically wouldn’t be borrowing any more money? If I was to pay it off, it would like me with roughly 6,500 left which I worry wouldn’t be…
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Gazumped in Scotland?
Hi everyone, looking some insight into what’s going on with a house I’m trying to buy. And sorry this is long! The property is in Scotland, it went on the market last Friday, I viewed the following day and made a verbal/informal offer above asking price at 9am on the Monday. I asked for a decision that day as I had other…
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Renting Parents Elderly Property - Legal Position?
Hi Was hoping someone might have some knowledge or experience in this area. My mother has now been placed in a residential care and is suffering from early stage onset of dementia. Myself and my brother have PoA and have been managing her bills, savings, investments for a while now but, we are now in the situation where we…
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£464 for building insurance
Is this the usual price to pay for 1 bedroom flat above commercial property in London.? Ground rent £200 double up every 25th years. Thanks
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Any long term renters in? Do you worry about your future?
It's something I never really thought about until I heard a discussion on the radio this week. I'm in my 40s now, been renting 20 years, had about 6 moves within that time. Through various life circumstances and with renting at the same time I've never been able to get a mortgage. During them 20 years, I've seen renting…
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Credit check between exchange and completion
So I exchanged on my new house a few days ago and I’m due to complete on Wednesday next week. I went to setup a broadband supply but I stopped when I noticed that it includes a credit check. I’m under the impression that doing anything that affects your credit file until exchange is a bad idea but given it’s just for…
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Help Please- new build. Buy what extras/do ourselves?
As the thread title suggests, we are purchasing a new build property (4 bedroom). We have browsed the optional extras that we would like and the cost is coming out at over £20,000, and we just cannot spend that much as it will leave us with nothing for decoration etc, so I am just wondering if there's any new build buyers…
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Failure to complete
I'm meant to complete (on both a sale and a simultaneous purchase) on Tuesday, but have just today been told by our solicitors that our previous lender's charge has not yet been removed from the title on the property we're selling. We switched from this lender to a new lender in August (a remortgage). The solicitor…
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Advice please: Letting agency switched electricity supplier when adding person to tenancy mid-term
On behalf of someone I know. Late last year, when adding his wife to the tenancy agreement for their rental house, he explicitly told the letting agency to not change any of the utility agreements for the house, because he had already changed - with prior agreement from landlord - to his own chosen, and much better suited,…
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Completion with no keys!
Sorry long post! Last month I (stupidly) attempted to complete on selling my flat and complete on the new property I was buying. To make things more complex, I was using two solicitors (one for my old flat, one for my new flat, due to my first solicitor not being on the panel for a great mortgage deal I found, My old…
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Applying for planning permission to extend before selling.
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Lending criteria - would this help me sidestep 28 day exchange hassle?
Hi All, I'm trying to buy a new build. I need to sell existing property. Banks lend up to 5x salary I hear. Let's take an example: * Debt remaining on current house: £130K * New house price: £300K * Salary: £60K Question 1: In this scenario, max I can borrow is £60x5=£300K. But because I already have borrowed £130K, does…
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Putting offer on another property with same EA whilst withdrawing first offer
Hi Would be grateful for your help. We put an offer on a property that was accepted in June this year. Our vendors are very picking (on price/location) and have still yet to find a property and don't look to be moving forwards at all. They say that they also cannot find a property to rent. We need to move in the next few…
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Insurance for belongings when moving
We are moving house next week. We couldn’t get a removal company, so are hiring two Luton vans to move ourselves. Are there any insurance policies available to cover our belongings during the move? I don’t think this will be covered by our contents insurance once our belongings are on the van. Thanks
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How much are removal companies?
We're moving from London to Yorkshire and just started to get some removals quotes. We've got a 1 bed flat without much furniture. Appreciate we're going a fair way but the quote I just got back was £1200! That can't be right, can it?!
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Anybody got anything positive to say about house over location?
I know this has been done to death. We are looking in a specific area and are struggling to get the house we want in that area (lack of supply). Just up the road is another area - better houses, cheaper, commute just as good - but basically a housing estate with nothing else around. We are not moving to our forever home.…
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Buying a house without surveyor - what right do you have in case of the problems?
Hello, I've bought the house this year without surveyor.I have found recently that bathroom wet floor made 3 years ago by previous owner is leaking and wooden space between bathroom on the first floor and dinning room below is all damp and molded. The defect was hidden and I noticed it only when I took down ceiling in…
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Is my house still registered?
Hi I own my house and have the title deeds and all paperwork which was given to me when I paid off my mortgage. I am going to sell the house but not sure if it's still registered with Land Registry. The photo is what comes up when I put my address in. I don't want a sale delayed if I can do something myself if need be to…
