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Buying my parents house
I've recently got divorced and am currently living at my parents with my teenage daughter, renting seems like throwing dead money around so I'm looking into seeing if its possible to buy my parents house from them and living there. They have £55k left on an interest only mortgage and I would need to buy my sisters share as…
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Additional stamp duty - payable or not
Hi forum members - I could do with some advice on a house purchase, circumstances as follows I live with my partner (we are unmarried and planning to marry next year) who is buying his house in his sole name. I have lived in his house for approaching two years I own a house which is currently let on a buy to let mortgage…
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Land Registry Red Line
our house is an end terrace and alongside the right handside of the property is communal land ( a management fee is paid ). the title plan states the boundary is edged in red, and as per the conveyance plan attached to the title plan the red line goes along right hand side of the house ( there is a black line around the…
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Gift for stamp duty
If I get a gift from my parents for the Stamp Duty for my new purchase, will the lender need to be informed? I have all the money for the loan, but not the stamp duty in the short term, so my mum will be giving it to me.
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Lodger issues
Hello I need the advice or the contact details of the legal advisor. I have an issue with a lodger. My
partner and I have an AST with the landlord and his permission to sublet the
room. We have a separate flatmate contract with our collegue. He has started creating problems with not paying rent on time and breaching the…
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Conveyancing solicitor fees
Hi all I am completely new to the process of buying/selling property and just wanted to understand selling fees. I am selling my half of a property worth just over 100k. I have been quoted fees (including VAT) of 1k. There are no searches required so the legal fees are basically 80% of the total. Are the fees normally…
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Mortgage without selling just now
Hi we have recently paid off our mortgage on the house we live in just now. We are looking to buy a new build so would have to get a new mortgage for the balance. The developer say we would need to market our house soon after paying a deposit. What I am wondering is would a lender lend us the full amount to purchase the…
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Mortgage with right to re entry by the council?
I am in the process of buying a house. My solicitor has brought to my attention that the conveyance contains a right of re-entry by the council and that my bank won’t lend if this is in place. He suggests that the seller applies for a release of the deed with the council. The seller is reluctant as they were able to get…
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Housing association cooker installation
I have bottled gas which is very expensive for heating and cooking. My oven doesn't work, so we are going to buy a new cooker. I've decided to get an electric cooker instead of gas. The housing association say that they will not install and I will need to find a registered person to disconnect the gas and another to fit a…
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When to proceed with purchase
OK so we finally had an offer excepted for a house 4 weeks ago. The vendors have found a house but the owners of that house are still looking. Our end we have accepted an offer from a 1st time buyer. So we have 4 already in the chain and waiting for the end. We don't mind waiting it's taken years to find a house. Our house…
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Second rent increase after served with S13 notice
Good morning, I was served with a s13 notice on Saturday, increasing my rent. I have no issue with this increase. Yesterday, I was emailed by the letting agency, advising that the landlady wished to double the rent increase. Do I want to continue my tenancy? I responded to say that I want my tenancy to continue, but did…
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House dilemma
So I’m in the process of buying and selling a home. I’ve got my mortgage in place but after doing some maths i could sell my current home first and get a personal loan for 15k and put all my money together and buy the new house outright then maybe live with parents for a week or 2 before moving in new home. Could this be…
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Stepping stone house yay or nay ?
I’ve been renting for 12 months now which I wasn’t expecting to do to be deadly honest with you. I don’t like it, I really do not like it. I’ve had to move twice in six months because of problems with the properties. Currently I’m paying £900 in rent. I have a good job but I think because I’m on probation still I’m having…
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Renting a room without a reference
Hi all, sorry if it’s been asked before! I’ve got a job opportunity in Bury, Manchester and only need to rent a room. All the places I’m looking at require a reference, but I’ve always lived at home. I looked on Spare Room, affordability isn’t an issue thou 🤓 thanks
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When to start negotiating on a new build?
Hi All I'm going for a new build house which is currently just a plot. I had a meeting with the sales exec last week and have arranged another appointment to put down a reserve deposit this Saturday with the same sales exec. I'm not all too good at negotiating to be honest and also struggle asking for freebies, for those…
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EWS1 downgraded
I am hoping someone can give us some advice. My son bought a flat last year which had some external cladding. The mortgage lender made it a condition of the loan that a satisfactory EWS1 certificate was in place. The vendor/managing agent commissioned this inspection, and a few months later the vendor received an EWS1…
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Buying Second Home and Selling First Within 2 months
We were planning to sell and buy with completion on the same day, however our buyer is not in a position to buy our house anymore. I managed to get a bigger mortgage to be able to buy the new house before selling. I understand there is extra stamp duty to pay which we will get back once we sell our current home. We already…
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Are leaseholds on the way out?
Hi all - new to this board so go easy. I have read a few bits and pieces here and there - unsure how credible - to suggest leaseholds are being looked at and might not be around for much longer, or may change drastically. Does this mean that purchasing a property with a leasehold now is risky? I’m considering buying a flat…
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Bespoke indemnity policies
Hi, my purchaser is having problems with his purchaser's. They have taken out a 'bespoke' indemnity policy and my estate agent has said that it could take over a week for the lenders to agree, it has been over 2 weeks or more and I've just been told it could be a other two? Does anyone know in reality how long this should…
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Rented Property - Mould Growing from Damp
I am currently renting a property in which mould grows in the main bedroom (beside the bed) and has done the whole time we've lived here. It's gotten progressively worse and we alerted the estate agents during one of their inspection visits around a year ago. The agent told us it was likely due to a vent on the outside of…
