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Using a lifetime ISA to buy into a mortgage
Has anyone used a Lifetime ISA to buy into their partner's home, rather than your more typical purchase from scratch? Different banks are giving conflicting information as to whether or not this is a possibility. Thanks.
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First time buyer concern
Hi all, I am looking to buy my first home in the next few years. I am saving for a deposit so nothing will happen imminently. Around 13 years ago I moved in with a partner and I vaguely recollect his parents talking about putting my name on the mortgage. I don't remember signing anything but it's possible that I did and…
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Stamp duty help
Hi guys I'm looking for support on a petition that I've just created to help with stamp duty. Please see below for full details. https://petition.parliament.uk/petitions/611488 Thanks
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Is it normal for your deposit to be used for another months rent even if your tenancy ends before?
Yesterday (25th) I asked to terminate my tenancy for the 25th of next month, the letting agency said it will be terminated on the 1st of the following month, which essentially means that I will have to pay for a full months rent. I asked, clarifying if that means I will have to be pay the following months rent and they…
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Duplicate thread
Duplicate thread.
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Strange conveyancing process…. Or lack of
So today we signed our contract with our solicitor and he diligently took us through the mortgage offer, all the searches, the deeds, fixtures and fittings in great detail. we had not yet provided any proof of ID or proof of funds and today all that we were asked for was to email a screenshot of our savings account showing…
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Single storey outbuilding being redeveloped as two storey house !
My neighbours applied for permission to knock down an old outbuilding in back garden and replace it with a single storey structure, that would contain a home office and laundry room, there was an upper space indicated in plans for 'laundry drying' . But their builders are now constructing a two-storey building with two…
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Joint tenant or tenants in common
My partner and I are buying our council house. Our solicitors have emailed us with 'Declaration of trust letter'. The options are 'Joint Tenants' or 'Tenants in Common' if we choose anyone of these we will have to pay a fee. DO WE HAVE TO GO WITH ONE OF THESE? We are wanting to write our wills out and could we not include…
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Buying Land from a County Council. Anyone got Experience?
We've got a small 40m2 parking space type area to the side of our house that we're trying to buy from the local council and we have some questions. After finally finding out the right person the speak to about it we've been through the process of paying for a RICS surveyor to come value it and been told how much the…
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Transfer of equity
Hi I am selling my fathers home and was wondering if i can transfer equity of the house into my wife name to reduces the amount of capital gains i would have to pay, because this would take care of the amount we have made on the house.
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Agreed Let on first rented property - what to do about bills?
Hi all, Based in South East England. My partner and I have agreed a let on our first rented property (electic and gas - EPC C). We can't move in until April 22nd. The estate agent sent us a brochure to OneUtilityBill, however I would rather not take them up on this option. I have looked on Uswitch and it states the…
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Buying free hold property with estate rent charge
Hi all, I am in thew process of buying a freehold property with estate rent charge. A deed of variation is requested by the bank and the solicitor is in the process of getting the approval from the management company. Please see the term to alter below: 1) The Management Company Covenants with the Transferee that before…
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Extra 3% SDLT situation
My wife and I are looking at buying a larger house and keeping her smaller original house for letting. She owns the property we are in at present outright and it is in her name only. I sold my former main resistance which was solely in my name after we were married and moved in with her. We are wondering if there is any…
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Is my son a FTB
I’m the executor of my late parents estate Everything was left to my son and sister as beneficiaries in both my parents will. neither of them are on the deeds of the house and although I have probate I’ve not changed the deeds to my sister and sons name as we got a sale straight away and it should finalise in a week or so…
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Electricity cables over my land
Hi I have put in a planning application to develop a small section of land for a residential dwelling. My neighbours electricity and telephone cables run overhead on this piece of land. Can I have legally have these removed and rerouted underground if I burden some or all of the cost? Thanks
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Messed up situation - Help needed
Thanks for all the help.
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Mortgage dilemna
Duplicate - also posted under Mortgages - Endowments as unsure which was most appropiate. Hi thereAny advise would be much appreciated please. I am a accidental landlord and have been so for the past 7 years. The property is now up for sale. At the end of April my current fixed BTL mortgage (currently £555 per month and…
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House Auctions
Can anyone explain exactly how a house auction works on the day? I'm going to one next weekend for the first time & want all the ammo I can get! Is it literally turning up & raising your hand to bid much like at an antique auction? Sorry if this sounds daft but as I said I'm an auction virgin!
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Purchasing a new build apartment and may lose reservation fee due to mortgage offer not received
Hi guys. I'm purchasing a new build apartment which is due to finish very soon, in the comings week or two and by the time they issue certificates it should be around mid-April. The situation I'm currently in is that the developer has given me a final notice to have the contracts exchanged by 31st March otherwise my…
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Land Registry - Removing notices
We were due to complete and exchange today but turns out the sellers solicitor has not applied to the Land Registry to remove the charges from the register. She says she will be submitting the paperwork today and requesting it be expedited but how long does this take?
