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Using Shares portfolio to get a better mortgage deal
Hello All, I have a question related to mortgages. Currently, I am looking into buying my first house. I have a shares portfolio which provides around £7K of dividends a year, with a value of £160K (Both ISA a nd non-ISA). My intention is not to sell it, but to use it to get a better deal for the mortgage. Is this…
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Lease Enquiry
Hello! Sorry, I am a huge over thinker and am stressed a little bit haha. I’ve just received a copy of the lease for a leasehold property I will be purchasing. I am a bit unsure of the statement that I have attached with this post. Does the clause state that I’m not permitted to have a lodger despite it being a single…
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ISAs
I've got an ISA with about £24000 which matures in about a month. Shortly after that time I expect to receive another£10-£20000 which I want to invest keeping it ideally in cash ISA form Can anyone suggest the best way of doing this. I'm afraid I'm always a bit confused by the £20000 annual limit. Thanks for any advice
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Renting and housing benefit
Hi! Ive never claimed universal credit before but ive just lost my job. I received a small severance which has dwindled already. Im struggling to find a job now as i used to work in another city. i live in a tiny flat with my 7 year old son as a single mum and I own the flat. We HAVE to move. We have NO space (1 bed) and…
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Joint ownership - how to apportion
I'm buying a property with my partner of 2 years. At present he rents and I am selling my house. We earn roughly the same. We have had an offer accepted on a house for £435k and will have approximately £260k deposit from the sale of my house. We've had a mortgage approved for £200k. Once we move in we will be splitting the…
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Conveyancers asking for BOTH a SOT and idemnity for EVERY query - is this the new standard?
Or am I just unlucky? I doubt it helps for every single query, well it's rather for every query that they want to ask for an indemnity on, I'm seeing the same things coming up from previous buyers wherein they only asked for an indemnity. In fact I had never seen a statement of truth request before. Conveyancers all have a…
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CGT
hi, my mum will be moving in to a residential care home funded by the sell of her house, will she need to pay CGT on the funds from the sell? she could be in the home for up to 10 years and these funds need to last. thanks
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Mortgage Exit, solutions?
Hello All, Ive got a situation I would like some advice about. My partner bought a house 3 years ago with a friend of them, they got a 5 year fix mortgage, which is due to end in June 2027. My partner and myself would like to buy a house together to move there, below are the options I have in mind: -Option 1: She sells the…
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buying a second home while still selling my first?
Hi, i thank anyone for their help with this. We have seen a house which is ideal (bedrooms, location, not too much work to get it right). However we are only just putting ours up for sale. I am viewing the house this weekend and if it's suitable, i don't want to miss out. Has anyone any experience with buying a second home…
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Owning two retirement flats
My mother bought a flat in a serviced retirement facility last year, but she wants to move. It will take a long time to sell, but she has just enough savings to buy another retirement flat in another town. We've talked through the issues like paying two sets of service fees, and leaving a property empty, and having no…
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Transfer of Equity Early Repayment Charge
Hi all. I am recently married and I have just sold my home and transferring the equity into my wife’s home. I'm currently going down the legal process and the bank is happy for me to go on the mortgage of my wife. I am putting in a lump sum to pay the mortgage down. The question is on ERCs. We are staying in the same fixed…
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Alloa or Falkirk to buy a house?
Hi everyone, I’m in the middle of house-hunting and one of the areas within my budget is the west side of Alloa. To be honest, I’m feeling quite anxious about it because when I search online, I keep finding very mixed opinions. Some people say to stay away, while others talk about friendly neighbours and the nice…
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Ownership of land
Hi.Could you please advise?We have an ltd company together with my husband. He owns 510 shares and I own 490shares.He bought a piece of land with company money without my knowledge and now he claims I don't have any rights to this piece of land.Is he right?Was he able to buy this land without my consent?Thank you
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Boundary issue
Hello, we received an offer on our house and accepted it. We are now roughly half way through the whole process and our buyers are questioning the boundaries of the property. We live on a new build estate which means we don't own the front and side of our house - we pay a service charge for this. The estate agents knew…
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Staircasing seller failed to update land registry help
Vendor has failed to update land registry after staircasing from 50% to 100% - so now I am as a buyer waiting for them to update this before moving forwards - how long is this expected to take - other side of Christmas? England
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Colours on title deeds
Hi, Would anyone be able to offer suggestions regarding the colours on my title deeds please? This is the section of text that relates to colours in my title deeds (but they don't correspond to the actual colours on the image!). The house was built in 1929 and owned by the same person until I purchased it in 2016. I want…
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Fixed Term Tenancy
I need to move to a bungalow due to health issues and I have submitted a GP letter to the estate agents. I am now being told because I renewed on 17th August 2025 that I will have to pay rent and bills till a new tenant is found, is there anything else I can do?
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Exchange and complete on same day
Cash purchase, empty property, not moving in immediately. Vendors are pushing to complete quickly, solicitor has suggested exchange and completion on the same day, with me transferring the money online in stages for several days in advance. Is there anything to be wary of in this scenario or is that a typical approach in a…
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Renting - a mental health and bedroom question
I am applying for housing with the council. At present I live in a one bedroom place. I have a wonderful variety of mental health issues and when I get really down, or I am heading down I need someone to stay with me to help me. This is why I'm moving mainly, to get a two bedroom place to facilitate this. Am I likely to be…
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Shared Ownership Improvement Valuation
I have sold my shared ownership property SSTC but am now stuck. The valuation gave two figures, one before improvements and one after as I benefit from any value added rather than Orbit (the HA). This is a £15,000 price difference. The problem is that this figure we’ve just been told has to be paid directly to me and is…
