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Had mortgage offer accepted, what happens now?
Hi, After some info off anyone who just been through this process, as me and my partner are first time buyers. We have just had our mortgage offer accepted yestreday 22nd with the Abbey done though the broker (london and country). We where able to track it online without have to phone the broker up too much to check on…
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Letting Agent Mistake Trying To Make Me Pay - Help!
Hi I've lived in my rented house now since October 2008. I am on housing benefit and get the full ammount to cover my rent. My rent is £350 per calendar month but the housing benefit pay every four weeks so I get £323.08 every four weeks. As the housing benefit is every four weeks my letting agent agreed for me to pay the…
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Proceeding With Sale - Important Parts of the HIP?
Having just got probate for my mum’s estate, I want to proceed with the sale of her flat in Torbay. Recently, on looking through the paperwork that someone else had prepared, I spotted that the searches were missing from the HIP. It had been marketed for months with that HIP. I subsequently managed to get the HIP compiler…
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Mortgage valuation - how long until they report and does the vendor find out?
We are in the process of selling our house - have accepted offer and mortgage valuation was being done today. Buyers are very keen to move quickly and so I presume they don't want things to take too long. So how long does it take for the valuation report to be done and does the vendor find out how much they value it at?…
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'Limited Title Guarantee' - Jitters before signing contract
Hello Friends, I've just recieved the draft contract and it says house is sold on 'limited title' as the house owner has died. The sellers(their son) has got a probate to sell it. But limited title means " Seller gives to a buyer where the seller has limited knowledge of the property that they are selling and therefore…
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Estate agent still showing house after it is sold
We accepted an offer on our house yesterday, and took it off the market at the purchaser's request. We assumed the estate agent had cancelled all further viewings. Today, we discovered that the estate agent showed someone round the house while we were out. Why on earth would the estate agent do this? Do we need to get the…
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Tenants Rights
Hi there, I need some advice regarding landlords insurance. I've been renting a flat for the past year and i've had a issue with damp. The landlord hasn't insulated the concrete floor sufficiently and layed wood lament directly on top, Due to the cold weather thoughout the winter we've had condensation building up under…
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Damage to house after contracts exchanged
I've just bought my first house and exchanged contracts and keys this week. When I walked into the house I noticed that the front lounge window was cracked. This was not there when I viewed the property and was not mentioned in the survey either. I am therefore presuming it happened as they were moving out. Does anyone…
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Tenant - just received repossession letter HELP!
Hi all I am seeking guidance and advice if possible. My son has been renting a flat, arranged through an estate agent, for the last 5 months. Out of the blue he received a letter from Court today notifying that the property is to be repossessed on 6th May. He contacted the landlord who advised him the court has made a…
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Taylor Wimpey - Change to Room Layout just before exchanging
Dear all, My friend and her partner are currently buying a house from Taylor Wimpey through the Homebuy Scheme. They are a few days from exchanging and my friend has just been told by TW that the half wall that was meant to be between the kitchen and the dining area (making it an open space kitchen/diner) is now a full…
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Buying or renting??
My girlfriend and I bought our first house in May 2008. We were living with her family in Herefordshire but couldn't find anywhere remotely affordable nearby, so moved back up to Derbyshire (where I'm from) as the housing is much cheaper. We now want to move baack to Herefordshire, but do we sell our house and buy another…
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Offer accepted - now a few questions
Just had an offer accepted - yay!! I'm a FTB so now begins the scary part for me an I have a few questions about the order in which things should happen now. I'm going to instruct a solicitor and start the ball rolling on Monday with the mortgage but my questions really are about the survey. Is it usual to start on the…
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Bought a house - heating not working
Me and my partner have bought a house and moved in last week. The heating and hot water system is about 8 years old and was serviced last year. It's a combi boiler. We turned it on and have hot water out of it no problem, boiling hot and good pressure. When we go to put the heating on the boiler fires up for a minute and…
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Tenant wants to call a plumber
Hi, My tenants have a minor issue with the boiler - which I think is a non issue, and is something that 3 other tenants have lived with for the last 2 years with no comment. I also lived in the property for a couple of years. It's not worth going into, but I just wondered if they insist on calling a plumber, and he says…
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"limited title guarantee"
I am looking to buy a house at auction, in the special conditions it says it is "limited title guarantee". What does that mean and do I have anything to worry about?
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Landlord Insurance
Hi All, I am thinking about renting out my flat and was wondering what kind of insurance I need ? The management company advises buildings insurance is included in the ground rent. Do I need Landlords Contents insurance at all ? I am currently debating on leaving the property furnished or unfurnished. Can anyone recommend…
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House buying experience
Hi I would just like to say thanks to everyone on this forum. I have been going through the house selling/buying process for the last 7 weeks and the forum has been very helpful. I must saying this being the first time we have sold and bought, (last time we were first time buyers), it has been the most stressfull 7 weeks…
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Land lord insurance
Could any one recomend a few good companys to try?
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Rightmove. where do we go now?
we bought our present home 2 1/2 years ago but it still shows on the Rightmove site "sold subject to contract". As we are likely to market it again in the near future, we contacted the agent to ask for it to be removed & their reply was that it was a problem with Rightmove & it would be removed shortly. That was over two…
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Property inspections on rented property - a question
I have just sat in for 2 hours, having left work an hour early, because my letting agents notified me that they wanted to carry out an inspection between 4.30 and 6.00pm (incidentally they only informed me on Monday, so pretty short notice!). They've failed to turn up, no phone call, nothing. There is no requirement for me…