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FTB a fixer upper going to closing date (Scotland)
I am a ftb and I have seen a 4 in a block flat near to where I'm renting. I am keen to buy but I have no clue about such things. I have a mortgage in principle and a broker and around £25-30k saved. I think i will have to offer more than the home report, currently offers over £95k but going to a closing date, and home…
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Council tax work around
I co-own a house mortgage free. We'd like to move to another council area and I've got a bank job with the NHS in that area already and work occasional shifts. We'd like a house in that area so I'm not always bunking with family, we can get our pets used to a new house plus the rental market is woeful. However, the council…
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Eviction after section 21
The tenants have a periodic tenancy. I (my agents) have served a section 21 which expires 5 April 2026 I am selling the property and have a buyer - he says he is happy to wait at the moment. The tenants have said that, as things stand, they can’t find anywhere else so won’t be leaving. They aren’t being obstructive just…
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Changing From Joint Tenants to Tenants in Common
Hello, My mum separated from her partner 3 years ago. Could one of you helpful folk point me in the right direction regarding which form to fill in to change from joint tenants to tenants in common. Thank you
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Tenant refusing to pay rent
Dear all, I have a tenant living with partner and her son in my terraced house. They have been there for about 6 years. We now need to sell the house and we have send them all the right documentation to this regard, by post and email and they are not happy so they have not paid this month rent and they will probably not…
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Buy Your Freehold - guide discussion
Hi all, we've written a new Buy The Freehold guide to help you buy your freehold or get the right to manage. How did you find the info? If you've done it, how did it go and do you have any other tips you'd add? How much value do you think it added to your property? Thanks for your help! MSE Jenny
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Is 195 plus VAT a lot for an Environmental Search?
During my property buying paperwork I was asked whether I wanted certain searches, one of which was an Environmental Search. It was 195 + VAT! Isn't that extremely expensive for an Environmental Search? I read somewhere else it was 70 quid for someone. I chose not to have it because I don't see much reason to especially…
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How did you choose your surveyor?
When buying a new house, how did you choose your surveyor? The RICS search shows that there are like 100 who can do one for my new property. Basically all seem to be good. Do you just assign them numbers and roll some dice?
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Deliberating selling our flat that has just had section 5B notice served
We own a flat that is one of two in a house. The freeholder has just served the section 5B notice to as they are selling the freehold. The other flat already has an extended lease of 200 years and peppercorn ground rent. Our flat only has 86 years remaining and ground rent of £50 rising to £250. We don't know whether to…
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FTB Mortgage concerns
Hi all. Me and my wife are looking at buying a house and I have been doing a lot of research. I have filled in of our information on L&C very carefully and it gave me an amount with some results (top one being Santander). I’ve also done one with Better which I didn’t have to put financial info into but it says it links…
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Search Shows Ground Stability Natural Hazards should I be concerend?
Hi, I am looking to buy a property close to me, and the basic Environmental search has identified 1 Natural Hazard. It doesn't say what, but it has flagged the whole estate on the map as being under the same one hazard. I think it has to do with the type of soil that the estate was built on, i.e., clay. But trust me, 70%…
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Japanese knotweed plans. How long is too long?
Hello. This is rather a niche question. We bought our house 6 years ago. There was a small amount of jkw found in the garden about 4 years before. It was treated and under a 10 year guaranteed management plan. It is has never come back since initial treatment. The guaranteed plan has now ended and they are trying to sell…
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Companies mimicking HM Land Registry.
A week ago I Googled 'Land Registry' to get hold of a copy of the Title for a property I own. The Company calls itself Land Registry UK and, having missed the small print stating they are not HM Land Registry (HMLR), I paid online about 60 pounds for a copy of the Title. Soon after, this Company emailed to state that there…
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Mortgage rate fluctuations
FTB here, I'm wondering about the current situation, as it were, and the effect on mortgage rates. Recent news reports refer to lenders withdrawing a number of mortgage products in response. Any views on this? Anyone already been directly affected?
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My share of profit from house
Some opinions if i may. A friend bought a 3 bed semi to do up. he paid for everything and i did the work. The deal was we rented the house for 10 years and then sell, with me getting half the profit. He has excellent tenants but i would like to take my half of the profit with him buying me out. We have had some valuations…
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Survey booked.
Hi all. Not sure I'm posting this in the right place but finally in a position where me and my partner are looking to move into our dream home. Sold our house and sale agreed another. Our buyers have booked a survey for 2 weeks from now and I've never been as nervous in my life. We've been on the property for over 20 years…
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Do I need to pay for a Credas ID check for my purchase when I've already done one for the sale?
I started the process of selling my house and now I've had an offer accepted on a house I want to purchase. Their estate agent is saying they're gonna send me a Credas ID check which I'll presumably have to pay 35 quid for, but I'm sure I already did one and paid for it with my house sale. Is it normal to have to do this…
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AML checks by estate agents
I have come across a couple of estate agents who insist on doing the full AML checks for purchases and sales (that is on both the buyers and the sellers), where you not only have to show proof of funds but also proof of how you got them. This is generally done at the legal stage by solicitors, so I feel they are over…
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Price history of properties
Does anyone know if Property log is safe to use - I am wanting to see history of properties for sale particularly on Rightmove because also when the agent reduces the price you can't see when it first went on for sale
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Hmo or similar passive income
Hi I am looking at hmo for a while as a investment . I currently have a property worth around £550/600k mortgage free 40+ yo . I am looking to release equity from my house to purchase. I require the extra income to reduce hours at work . I do manual warehouse work . And it's got to the point I dread the thought of going to…
