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Why does it feel like estate agents hate FTBs?
Hi there, FTB here. I've been "sold" 2 properties so far where the actual property varies wildly than what has been advertised. I had: 1) Offer accepted on a property advertised everywhere as "with a garden" that the owner didn't actually own when the revealed this to me 2+ months into conveyancing process and them and the…
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Buying a leasehold
Hi I had an apartment where we had problems with the leaseholder so we decided to buy the lease as a company and 10 out of 17 signed a participation agreement so I could sell in the future as a freehold. I then decided to sell my property before it all went though my solicitor never brought it up . Now they have sent me…
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Right to buy
Right to buy going through also private house purchase going through (cash from inheritance)If the house sale completes before the right to buy do I lose the right to buy?(as a first time buyer it's best to buy the private house first as it saves £5,000 stamp duty)Not interested in any criticism thanks
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Right to Manage a Leasehold: experiences of Leaseholders?
Hi all, In my block of flats we are considering applying for Right to Manage our block, so we can appoint a management company who are answerable to us. Presently, we have a management company who are slow to answer about service complaints, and not very open about contracts or costs at all. I have read that Right to…
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Money Moral Dilemma: I put in a much bigger deposit - but should we split the property equally?
This week's MoneySaver who wants advice asks... My partner and I are looking to buy our first home together. I'm putting in a 40% deposit and they are putting in 5% but they want to split the ownership 50/50 once we've bought. I think that'd be unfair - and have suggested we split it 60/40 in my favour, with the proviso…
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Which agent to select for House sale Glasow
My friend is thinking of selling his house and has similar quotes from Rettie, Corum & Aberdein Considine to sell his property? He was wondering which of the 3 firms people would instruct to sell there homes & if anyone has had bad experiences from any of the companies
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(New/Unheard of) New Build Developer - stay away?
We're on a mailing list with a local Estate Agents who we've viewed properties with in the past. I saw a new build property on Rightmove that ticks all the boxes and happens to be listed with that EA as the point of contact. My partners rang them for more information and they've booked us in for a site visit tomorrow as…
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First time buyer - keep being beat
My Partner and I are first time buyers, have our mortgage in principle, 10-12% deposit saved and are actively offering on houses we love. Every single time it’s either gone to first and final offers, or we are beaten by someone that has a bigger deposit. Most houses going for £20,000 plus above asking price, with people…
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Thinking of investing in a property - advice?
Hi all I'm new to this subject, but I'm thinking of buying a flat to let out. I'm 53, working part-time (basic rate taxpayer), max out my pension and ISA contributions. I have some savings in cash and premium bonds, but I'm worried about inflation. I've never invested in property before, beyond owning my current flat.…
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Planning to buy/save a Deposit for 2023 - Advice/Thoughts
Hi all,I'm working towards saving for a deposit with a view to buy a place sometime next year - and need some thoughts as to whether this is achieveable or not as I feel I'm missing something... I've have saved around £20k so far (across a recently-opened Lifetime ISA, a S&S ISA and my Savings Account) - debt-free for over…
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Relocation - Renting, Mortgage and House Hunting at once!
First time posting, so sorry for any issues! My partner and I purchased our first house in January 2018 in England. We have been happily paying mortgage off and should have a good amount of equity in our home now. He has had a job offer in Wales. We are seriously considering uprooting and moving there, but things are not…
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Land Registry questions
Enquiry reference: 211123-005824 Application reference: Y160TBS Title number: NYK451667 Re the above Application reference: Y160TBS which was expedited by me November 2021 or possibly earlier by the developer. The application refers to a change in Freeholder of converted office block to flats. My lender won't complete…
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Current time frames?
I just wondered what waits people were seeing for mortgage evaluations, surveys etc currently. I know previously there was a large wait Just offered on a chain free property as a ftb so wondering how long process is taking for others
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Ukraine house guests
Hi: new to this forum....I'm watching the very positive response to Ukraine refugees and the offers of hospitality by members of the public in the UK - good to see this empathy and support.A negative issue has been raised in a group I belong to - which I think is simple, but views would be welcome....I see this as a case…
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Need to buy renter house and can’t get a big enough mortgage. Gutted
We want to buy our rented house (if we don’t he will likely sell anyway) but prices have risen so much LL is asking for 30k more than we expected. We’ve tried 10+ brokers and gone to banks direct and just can’t get the mortgage we need and are £12k short (which isn’t easy to just save, would take us years). We have one…
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How to tell if a homeowner is doing BTL but told his lender he/she doing FTB
Hi How can I confirm this for sure. I am suspcious of some activity and I know that they can't get away with it. First time buyer get lower rates than BTL and above would not be fair. Thanks
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Police came asking for information about neighbours fight. Any issues if information is given?
My nephew is new to this country. His neighbours - an old couple - seems to be always fighting, arguing, screaming among themselves and all the neighbours can hear it all the time. Tonight cops came to him asking for information about if he knows or heard anything specific etc. He told the cop "I keep hearing the noise…
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Have we upset the seller?
We are worried we’ve upset our seller and he will now refuse to sell to us… thoughts… help…
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Buying a house - do we need gas and electrical certificates?
Hi Solicitor has advised for gas and electrical certificates as seller did not have one. House is a 1900 property. We plan to live in it and not a rental The boiler is newly installed 2021, and electrics rewire in 2014 according to owner. Surveyer has said the fuse box and boiler is modern Should we get gas and electrical…
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Feel a bit on edge about taking on the mortgage
Hi So bascially I'm going through a purchase and realised I will only have £200 net saving from my wages per month and then about 7k left over for repairs and if I lose my job shortly after the property purchase. I'm little worried about impending further increases to inflation from the war on the top of the worst…
