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Please help! Joint and Several Release issues
I'm hoping ssomeone can please help as I'm at my wits end. I gave 5 weeks notice of my intention to leave a property where I'm part of a joint and several contract (though on the contract itself it says 'joint and independent') and a few days after my request for a reference the landlord decided he's thinking of selling.…
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House buyer
Has anyone used any of the "we buy any house" type companies and, if you have, how was your experience?
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Surveys
I was planning to get a survey on a house that’s currently still lived in. Looks like a family live there, beds wardrobes and desks in all rooms, including the box. The surveyor called me to say it’s likely he’ll have lots of accessibility problems in the property and that if the vendor has this much stuff and isn’t…
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Building rear extension. Is the neighbour reasonable?
Hi everyone! We're currently looking to build a rear extension as our living space is too small for our needs. We live in a share of freehold flat and have freehold on the garden.Now, in order to grant us permission the neighbours sharing the freehold are asking us to change their windows due to safety concerns. In an…
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Persimmon new build - finishing touches payment options?
Hello, My partner and I are in the process of reserving a Persimmon new build, and soon after have a finishing touches appointment to choose our upgrades/finishes etc. I'm hoping someone (perhaps who's recently gone through the process) could detail the payment options - do you have to pay fully upfront, can you pay in…
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Simply Move Conveyancers
Has anyone had any experience with the above? I instructed a solicitor to work on my purchase but had to find a different one as they weren't on the panel for my lender. The above have advised me that they are on the lenders panel and I have been offered the mortgage so I assume that they are. I only have 3 weeks to…
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Skipton - am I going to get offer?
I applied to Skipton a week ago and just got a call today to say the case has been looked at by the underwriter and everything looks good but they would like me to pay the £999 product fee. My mortgage tracker looks like this. I asked if we have got it, and she says the underwriter wanted to check my signature on the paper…
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Survey - Found more problems & incorrect information
OK so this is a bit of a long one (sorry) We bought our current house in May 2021. After a very long and protracted sale/purchase we finally moved in! The house we bought is quite old (1800's) and we knew it had some issues (It was the only reason we could afford it!) However we had two surveys conducted on the property.…
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Land Registry assistance
My MIL is gifting a small parcel of land into my husbands name . We have completed the TP1 form, do I also need to complete an AP1 form as well and could you give me a link to filling out the AP1 please
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Highest bidder, purchase offer refused
Hi, it's already the second time that I'm the highest bidder but my offer is refused. In both cases I've offered significantly more than the asking price. The first time the seller chose a cash buyer. Time wise the difference is 2-3 weeks at most, as both the EA and the mortgage broker guaranteed me that the chances of not…
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Council £150 after house move
Hi, I'm due to move house in April, where I'm going already has a council tax account and will be in a higher band (living with parents) When I leave my apartment in March, will I lose the ability to get the £150 energy refund credit this year as my direct debit may be stopped? Should I wait until May maybe and then…
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Ex neighbours possessions left on our drive
Yesterday our neighbours house sale concluded and it was moving in day. The couple had gone through a difficult divorce and the ex husband appears to have left the majority of packing and removing of his stuff (and some of their kids stuff) until yesterday. The ex-wife, who had sorted out her stuff weeks ago was trying to…
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Mid sold property
Two weeks ago we completed on our new house. It immediately became apparent that the downstairs toilet was blocked. After several unsuccessful attempts, we called the water company who cleared the blockage. Two days ago, they returned to do a drain survey and discovered the toilet was discharging into a rainwater drain and…
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Finally seeing house prices drop?
Hello all! I’m curious, are you seeing a slight slowing down in the housing market? In the past couple of weeks I’ve noticed more and more properties being reduced in price. Are prices finally slowing down? Wondering if it’s just my area or is it elsewhere too? My broker also mentioned he’s seeing more and more lower…
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Is our buyer too slow?
Hi we accepted an offer from a couple about 10 days ago. We exchanged solicitor details through estate agents and didn’t hear anything since. We called EA and they got through to them after calling for 2 days to find out that they’ve decided to buy the house under the name of one of them now rather than both people, which…
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Lease - to renew or not to renew
Hello! I’m currently facing a dilemma - after all my research I’m still not sure which way to go and would love to hear anyone willing to weigh in. Basically my flat is a leasehold with 92 years remaining on the lease. I’ve been putting off renewing it as I know new legislation on this topic was due. It seems like the new…
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Load bearing wall removed
I’m in the process of purchasing a 2 bedroom BTL property. The valuation report mentions that a load bearing wall has been removed from the property. The vendors did not disclose this in their statement. I’m not sure if it was removed before the current vendors bought it in 2004. After mentioning this to the agents, I was…
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Buyer seeking independent financial advice - solicitor error?
Hi all, We've been in a chain since early September, things were delayed because of a new build at the end of the chain. On Monday, we finally received confirmation from the top of the chain that we're ready to exchange and set a completion date. The bottom of the chain's mortgage offer expires on the 15th March, so…
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Noted lease found on freehold property purchase
We are currently in the process of purchasing a property, and although registered as a freehold property on land reg, searches have found a noted 99 year lease from 1967 named in the original purchasers names who we believe have since passed away. since then the property has been sold twice, the current owners have lived…
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Interest Rates
Hi, I'm in the process of remortgaging my property - changing to a Buy to Let and releasing equity so my husband and I can buy a property together. The property is currently worth around £215k and I have £34k outstanding on the mortgage. I want to borrow a total of £114k. I do have defaults on my credit file from 4 years…
