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Help to Buy ISA - Incorrect information from solicitor
Hi All, Was hoping for some advice, I bought a shared ownership apartment in April and had a help to buy ISA (First time home). I informed my solicitor of the ISA as soon as I appointed them and they advised no problem and they will contact me to tell me when to close the account so they could apply for the grant, I then…
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Persimmons Shared Ownership
We have purchased a new build on a local Persimmons site using the shared ownership scheme. We've exchanged contracts in August which was when completion was due. Completion then was moved to beginning of October and now end of October with no guarantee it won't move again. Other houses on our row that are not help to buy…
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Rental agreements
Hi all, There’s a possibility that my partner and I wish to move in together. But I’ve got a rental agreement in place til July 2022. what are my options re: ending my rental or the possibility of moving him in? I don’t think from reading my rental agreement I have any form of cancellation option during the 12 months? But…
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Landlord passed away - what now?
Hi all first post on this board and just looking for reassurance really. We got a letter in the post today to say our tenancy was being taken over by a Letting Agency (bit of history in the 18mths we have lived here we have had 3 letting agents and then the landlord was self managing). when I re- read the letter further it…
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Providing your AIP and proof of deposit in an offer
Hi there, I have just started house-hunting and realising how competitive it is right now! I have seen a house I love on the same street as a friend and it seems it will certainly go for quite a bit above asking price. I was reading around on how to make an attractive offer - I am a first time buyer with a flexible moving…
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Just found out we can't use our Help to Buy ISAs for house purchase. Should we switch over to LISAs?
I wasn't aware there was a £250,000 house price cap with the HTB ISA, and our agreed purchase price is just over that (£260,000). Is there any way for us to still get either that bonus, or the bonus from the LISA? The only two solutions I can think of are (1) hoping the house gets down valued after surveys (in which case…
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Completing tomorrow....anyone else...
Completing tomorrow, anyone else running round like a mad person packing??
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Accelerated possession order
Hi We have rented our home for 2.5 years, had numerous problems including damp and more recently structural issues. In June we asked that one of the bedrooms was repaired as it was repeatedly damp and used by our children as a bedroom. A few hours later we received a section 21 as the landlord wants to sell. We proceeded…
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Old managing agent handover to new agent
We're in a block of 20 leaseholders who own a stake on the freehold. We had an MA for 9 years, and they were extremely inefficient and sloppy. We've changed MA last year, but the new MA said that the handover was very poor. We've been requesting this info from the new MA, and they said that they are in the process of…
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Avro. Yikes.!!! I'm in the middle of changing to Avro
Hi all. About a week ago I started to switch from Igloo to Avro. I am still within the 14 day period where I can cancel and revert back to Igloo. ( Igloo have informed me they have cancelled my direct debit) Any ideas? Should I cancel and revert to Igloo or proceed with the change and await Ofcom reassigning my account to…
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Vacant possession of a property currently rented by parents
Hi everyone! I wondered if anyone please help… So I am purchasing the property we’ve been renting for 13 years. When the offer was accepted we were told that we could stay in the property till completion. Received a call from landlord saying we have to move out with all of our possessions between exchange and completion.…
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When to insure? At exchange or completion
Hi All, Many thanks for the help received on the forum so far. My question is about when to insure the new-build property in context of our contract and mortgage. We're looking to exchange this or next week and complete towards end of year. Here's an extract from the contract with the builder (Avant) - really don't…
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Down valuation - what next?
I’ve found out today that the lender for my buyers has down valued my property and hence rejected their application. My EA is insisting we continue with the current buyers and allow them time to apply again with another lender. They appear to be hopeful that we will achieve the desired valuation next time around. However I…
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Checking if searches are progressing
HiI have read a few posts about long delays in receiving local searches and some people have said they have contacted the council to check progress. What can the council tell you as you are not the one that's requested it?I am just wondering when I can expect searches to come back for my sale and how my buyer is…
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My buyers mortgage problems - what to do?
10 weeks into the process of selling my leasehold flat, I found out today that my buyer is on his third mortgage application!! After being told he was a great buyer with a 20% deposit at the outset it turns out it's a buy to let with a non family member gifted deposit! One lender didn't like his deposit, another has down…
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No building insurance
I'm in the process of buying a house and it looks like the vendor hasn't been insuring the property. It's a freehold house, it's been used as a 2nd home by the vendor and has no mortgage on it, so technically he's not obliged to have a buildings insurance. However, I thought it was unusual not to have it. I don't have much…
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Stamp duty question
Unfortunately we need to move home due to an abusive neighbour that isn't being resolved by mediation or diplomacy. We will have the funds to cover the solicitor, estate agent and movers by next Easter however there is likely to be an additional £8,500 for stamp duty for the property of the value we would purchase. My…
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Inspection Photographs
Our letting agent called my partner today to let us know they would like to do an inspection in just over a week. I’m perfectly happy with the inspection, however they have said they want to photograph every room as part of a report they will pass onto the landlord. Are they allowed to do this? It feels like a massive…
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One day before move Chancellors sends us a fully furnished inventory after selling us an unfurnished
Hi there, I'm sorry if this is the wrong place to write this up, but I really don't know where to turn. My partner is lying on the bed sobbing in stress. We were sold a let by an estate agent that clearly stated it was unfurnished on the AD. We spoke to an agent who confirmed this. We signed one of those application…
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Stair fund query
Hello. My friend and I have owned a small flat in a block of 8 which we rent out. We pay into a Stair Fund which was run by a lovely owner/occupier who would provide an incomings/outgoings spreadsheet every year to each flat. Sadly the chap died a couple of years ago and his second signatory (another owner in the stair)…
