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Probate bungalow viewing, first time buyer.
Hi everyone, We are viewing a property on Monday and it has been 'granted probate'. I'm not too sure on this subject, but it comes with no chain. We are generally looking at bungalows and a lot of these are probate properties, due to the type of house. We are looking at bungalows as I have a mobility issue which seems to…
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Buying a flat with the original lease missing
Hello, I am 4 months into buying a flat and I've just been told that the original lease documents are missing (supposedly one from 1958 and one from 1980). We have all of the subsequent deeds of variations. The seller has offered indemnity insurance to cover losses (minus 'adverse interest'?). If we go ahead, I'd like to…
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(anti)social land lords court rent housing benefit
High 5 every oneFor many years my rent to anti-social landlords based in coventary called Orbit has been covered by the local council on time every time without stress or Agro. relative to late november 2024 my housing benefit moved to universal credit.After only one u-c payment I have a menacing letter from Orbit telling…
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Rent increase
Hi just looking for some advice and guidance. I am a current sanctuary housing tenant and over the last 3/4 years I have had rent increases. I resived letters stating that the rent increase to pay for new kitchen, bathrooms and boilers in my property. The rent has been increased on two occasions now with the same promises…
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any way to shield from loud neighbours with outside tv in open hut?
I've just managed to bag a bungalow after a LOT of refused offers, and losing out to first time buyers.. I met the neighbours today and they told me they have loud gatheringS in an open hut , on their patio, with a huge tv, all year round as they have heaters in it.. I haven't moved in yet, but I'm freaking out! I'm really…
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Neighbour claims he owns loft.
Wonder if anyone can help? My son and his partner purchased a property that was but about 1800's and is grade 2 listed. Originally there was one large property which at some stage had been converted into 2 properties. My sons first floor has a flying freehold over approx 2ft of next doors property although it is not…
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Orbit Housing Association
Bit of a long one I’m afraid, but any advice would be greatly appreciated. My late Mother had a side extension built 18 years ago. Unfortunately the builders father put the fence panels back further onto my mother’s property rather than in the original place, although my mother was annoyed she let this go. The property…
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Extra Care Housing and Charges
Apologise in advance for this long post. I am in council extra care housing which carries an additional charge of £44.50 per person per week a contribution for wellbeing charges. This means a couple are paying £89 per week. After I moved in end of October 23 I was beginning to wonder why I was paying them, the only thing I…
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Breaking chain - probate and mortgage offer expiring
We are currently in the process of selling our flat to first time buyers. Their mortgage offer expires soon (end of November) and they cannot extend it due to a change in financial circumstances. We are in a chain with two other properties - the sellers of the house we are hoping to buy are purchasing a probate property.…
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Land Registry
My son has recently purchased his first house from the council at auction. They have given us the plan that has been registered with land registry but it includes some of next doors garden which the house has been purchased and they have also registered some of the land as theirs. So some of the land in question is…
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Cannot satisfy requirements for source of funds
My solicitor has asked for evidence of how our deposit was accrued. I have provided bank statements going bank 6 years documenting how we saved up for the deposit. We both work and have accrued the savings over a over period of time - well over 10 years. We have no gains from shares or crypto or any other investments.…
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Boundary Issue! New neighbour wants to move their fence!
Hi, I purchased a house nearly 2 years ago and the neighbours fence was as per photo (with red arrow) where there trees were against it. 20 years ago (or longer) the neighbour extended, which is the wall with the guttering, and then installed a fence in line with that wall up until the hedge. The hedge we maintain our…
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Conflict of Interest
Hi, my solicitor just told me she is going to tell my mortgage lender about a conflict of interest. What has happened is I have applied for a concessionary mortgage. This happened when the property I am living in went up for sale when my landlord died. I applied for a concessionary mortgage and received a signed gifted…
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Homebuyers Survey Results - Advice
Hi all, I hope you can help me. I just had the report for my Level 2 homebuyers survey on a 1985 terrace house. I understood most of the report (need to add sealants, improve insulation, etc.), but I'm totally ignorant when it comes to roofs and I have no idea whether the comments made should worry me or not. Both outside…
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Buying a house with probable rusting wall ties - does this affect home insurance?
I am in the process of buying a house which the survey has shown up as having corroded wall ties causing some horizontal cracks in the brickwork. I have had the price reduced to cover this remedial work. However my question is, will this affect my ability to get buildings insurance when I first move into the house i.e.…
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Removing old charge from inherited property
I am trying to get a house I inherited from my late mum and stepdad put into my name. I have been speaking to a solicitor and seem to be going around in circles. The issue is my father had a charge on the property when they separated in 1987, my dad confirms the charge should have been removed when he was brought out of…
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Self employed and student loans
Hi there My daughter is a FTB, she has been self employed over 14 years in the same profession, full accounts, no breaks. Her mortgage loan is 75% LTV, she passes on the lenders affordability calculator with no problems. The lender is Nationwide, the mortgage adviser did the full AIP himself, she went through absolutely…
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In a right muddle!
Not a newbie but posting under a different username as I’m worried about being recognised! I’m needing to leave a toxic relationship asap. We have an 11 month old. Currently living on partners parents land so no option of me staying put and I do not have family / friends that I could live with. I have a BTL property with…
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Concerns About Wisteria and Property Damage
We are in the process of purchasing a house and have noticed a Wisteria plant, planted around 2010, growing right against the front wall of the property near the front door. It is supported by a cable system and spreads along the walls at the front of the house. We are concerned about the potential issues this could cause.…
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Deposit Protection Scheme SCANDAL
I have vacated my rental property after 7.5yrs. My deposit of £595 pounds. This was paid into the Govermant DPS scheme. It was agreed to be refunded in full by agent and Landlord. After 7.5 years the DPS have repaid interest on £595 amounting to just £6.32 !!!!!(just 1% interest return in 2023 on it's own, never mind the…