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Enquiry - Management Pack
Hi all - I'm wondering if anyone can shed some light on this and advise how long it may take. I've been in the house buying process since September, after multiple delays with the land registry etc we are down to the last enquiry that my solicitors have raised and it's a "management pack" from the management company of the…
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Council tax demand - 16 years later!
Hello all, Today my friend got a council tax demand (from a London borough) for 6 months non payment of tax from April - September 2006 (!). The letter he received was to his current address but listed him, another friend and me. All of us lived at the address the council is trying to get the council tax from at the…
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Buying in a Conservation Area
Hi, I'm after some advice... I have recently sold my house and completed the sale just before Christmas. As my purchase property still had a few points to iron out (and the solicitors closed for Christmas), I have temporarily moved in with my Mum (so that is myself, 2 boys part of the time, dog and cat!). Some 5 weeks…
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Assured Shorthold Tenancy help
Hi, I am in a sticky situation at the moment and just trying to get some advice as finding it hard. Long story short I signed a joint tenancy agreement that started on the 3rd December with my then partner. She decided to walk out on the 7th December after I had paid 6 moths rent and deposit upfront. So initially I was…
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Staying after Section 21?
Would really appreciate your help / advice please on staying post Section 21? (have read online and understand only a tenant / court can end a tenancy) We've had issues with disrepair for months and after complaining to LL regarding heating we was served a S21 in Dec (after 5 years of living here, with property well kept…
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Electrical engineer inspection
My surveyor recommended an electrical engineer inspection for a flat I'm buying in a Victorian conversion. Is this the EICR? Or is it a different kind of survey I should be doing? Thanjs!
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Buyers want NICEIC certificate for meter replacement but I can't seem to obtain one.
We had a new electricity meter fitted by Siemens on behalf of Bulb in Dec 2020 and the buyers are chasing for an NICEIC certificate. We definitely didn't receive one at the time and Bulb are being evasive, their last reply simply said "The green card left by the engineer details the start and end meter readings". Gee…
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Negotiating price after survey
Hi all I would like to have some advice please. I have received my survey. The house is £440,000 in Leamington spa. The survey came back with some defects which it’s common on 20 years old house. Such as mould, old painting, roof cover moss, valley gutter further investigation,bathroom fan not working, kitchen fitting old…
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Buyers Not Interested?
Hi. I'm selling a house for the first time ever. It's up for 450k and looking to achieve 440k. I received two offers on Sunday, outlined below. * Buyer A - Offered 420k. EA told them too low. They increased to 430k on Monday. EA told them yesterday at midday that I'm looking for 440k and asked them to confirm their best…
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How does help to buy work?
Hi all Quick question as I've heard this from multiple EAs selling what were new builds about vendors needing higher prices to cover the HTB they used to purchase. How precisely does it work? I understand the 5% deposit / 20% loan / 75% mortgage aspect, but when does the gvnmt loan need to begin being repaid? is there a…
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Level 2 or 3 RICS survey?
I will be looking to book a survey shortly for a property that Ive had an offer accepted on. Its just over 2 years old. My question is what are the main differences between a level 2 and 3 survey? Because having looked at the actual report example template from RICS I cannot see any, except the level 3 being more expensive…
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Ready to exchange but my exit fees will reduce in 4 weeks!
Hello! I'm (almost) ready to exchange contracts on my leasehold property. Annoyingly my exit fees are scheduled to reduce from c£3k to £900 on March 2nd - is there anything which can be done to delay exchange without potentially jeopardising the sale i.e. I assume i can request an exchange date of March 2nd but there would…
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Do I have to declare Student Loan as a "Loan" when applying for a mortgage?
FTB applying for a house purchase mortgage. I'm on Student Loan Repayment Plan 2 through Student Finance England, pay £200 a month deducted before tax. This is all shown on my payslips. Do I have to declare this as one of my "Loans" on the application form? It was my understanding that question only wants to know about…
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Stamp duty discount / Buying a house in wife's name only
My wife and I have just had an offer accepted on a house. I was assuming we'd buy in joint names, but my wife is a first time buyer so I believe if we buy in her name only, we'd get a significant discount on stamp duty. But then I guess the mortgage would need to be in her name only as well. This might be feasible, but is…
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Deposit amount in Premium Bonds
Hi, i have my deposit amount in premium bonds. When i generate statement, it is only showing the list of bonds rather than when it was brought. How can i generate a transaction history. Please advise.
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Help to Buy Cap too low!
Are the govt or whomever ever going to review this? £250k doesn't get you very far nowadays. :( Myself and my gf spent all those years filling our Help to Buy ISA accounts, yet now that we're finally at £12k each (and scraped some additional deposit together) and ready to buy somewhere (at 34), everywhere suitable to start…
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Deed of Covenant between myself and the other Co-Freeholder on purchase
I am buying a share of freehold Victorian conversion (just one other co-freeholder) and my solicitor said it would be useful to have a Deed of Covenant between myself and the other Co-Freeholder, but it's not necessary. I'll have a chat with the solicitor soon but I was wondering what this document would do. Is it the…
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Purple Bricks Complaint... anyone else had success?
I won't go into too much detail as I have submitted an official complaint, but I wanted to hear from others' experience if possible. As said, I submitted a complaint to PB due to the "service" received. I supplied a lot of evidence of how they fell short of the Terms of Service etc. I explained that I was not happy/…
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Airbnb or Long Term Rental investment?
I understand there isn't a clear answer to this dilemma... But for those who have experienced both, is airbnb worth all the extra effort, bills, cleaning, fees to the platform, etc...? I have 4 rentals already, all AST but I'm in the process of remortgaging one of my properties to invest in another property. I was…
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Buying a flat where the bedroom has no window - what are the rules on this?
Hi, I'm currently viewing flats as a FTB. A flat I've found so ticks all the boxes, apart from the 1 'bedroom' has no window (uses a sliding door). The developer has said it counts as a bedroom and so they say it's a 1-bed flat, not a studio. It's a permissible development if that's useful. The room itself has a venting…
