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Trying to understand what needs doing to convert 2 properties into 1
Hi We are considering buying a property in Somerset which was one cottage/unit, but around 1968, converted into 2. Its being sold on one title deed. We would like to buy it, converting it back to to one property. We're not cash buyers and do not wish to use a bridging loan. Mortgage company and brokers are saying a valuer…
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moving out of my parents house
Hi viewers, I need some advice. Long story short I am 18 I live with my parents and i just cant do it anymore! I work two jobs one brings me home minimum £700 a month the other job is about £400. With them wages I pay £350 a month car insurance £20 a month tax £10 a month phone bill £200 rent to my parents that now leaves…
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Been issued a S21
So, after 7 years my landlord has unfortunately issued an S21. My notice date is 13th March. Rental periods are 26th to 26th. Unfortunately I haven’t managed to secure another property as of yet, and am struggling due to high rentals and being a single income household. So I have approached the council, who have told me to…
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Higher SDLT Reclaim after selling BTL
Hi All, We bought our first home 8 years back. We bought our second home 5 years back, since then our first home is in BTL. We are now planning to buy a new house to stay as our existing home is not big enough for our family. As the new house is my third property, I have to pay higher SDLT. I want to pay and complete the…
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Offer on a house
I put an offer in 3 says ago heard nothing back is it normal to take that long?
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Stamp Duty Question regarding "Main Residency"
Hi all, I had a question, which I am hoping is easy to answer. I can see that it may have already been discussed previously, but I just needed clarification. So, the situation is as follows: - Property 1 purchased in 2007 - Main residence. - Property 2 purchased in 2018 - Rented out. Paid higher Stamp-Duty at the time of…
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Renters right Bill.
Hi I have a question about the new Renters rights Bill law the government is planning on bringing in. Reading on GOV guide it seems like that it's going to become a real struggle for landlords with so much legislation. Abolishing section 21 and if landlord fails register a property with the PRS large penalties. And so much…
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How to register house upgrades for insurance and evaluation purposes
Hello, I did a considerable house improvement and I need to register it, the reasons are for insurance purposes and evaluation in future, the insurance has much more priority, if the worst can’t wait to happen 😅, I should get the same house again. What’s the process for that? Shall I inform the insurance? Is it a common…
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Exchanged on new build - now the builder tells me my drains are not yet connected to main sewer yet.
It's a 300 home site being built by a large household name builder. They broke the ground to start building nearly 2 years ago. But, only about a dozen houses have completed so far. I've now had a letter from the builder's solicitors, through my conveyancer, asking me to sign a waiver allowing NHBC to sign off the build…
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Lease extension - informal v formal
Hi there has anyone got any exp
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Anyone have experience with Vida Homeloans?
Hi - i am currently in the process of waiting for a final mortgage offer from Vida whom I have had to use due to past adverse credit issues. I have submitted 3 months pay slips and bank statements to them and they are querying why I received a payment of £390 from DWP UC in December. I am not currently claiming benefits…
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Buying a commercial property
Hi all, wasn't 100% sure which forum to ask this on I am looking to buy a commercial property, its an terraced house which was converted into 4 offices about 15 years ago. Anyway, I need office space and the other offices which can be rented out will just be extra income. However, I thought I should buy it from my property…
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Landlord is having my flat repossessed, how long does this process take?
Hi all, I don't really know where to start, I have a huge huge amount of questions about the whole process but I should start with finding out a few specifics. I've just found out my landlady has a court appearance on March 26th, informed by letter from a solicitors. Reading between the lines it's 99.99% certain this is…
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Gifted loan deposit causing stress
Hello all, I am a FTB who does not have enough money to complete because my mortgage was offered with a retention - I'm about 4 months of savings short and my parents have generously offered to bridge that gap so I can complete. They are fine with calling it a gift, although on a trust basis they'd like the money back when…
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Deposit on house purchase
Hi there. On a house purchase in England, I would like to proceed as follows: * Deposit 10% of the house price. This is the deposit required on contract exchange. * On completion, my idea was to then have 60% of the remaining 90% paid by other savings and 40% of that 90% paid via mortgage. I have a question. Who decides…
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Seller not exchanging contracts - baffled as to why
EDIT: We have an answer - the seller has a non-high street lender who is taking ages to provide the discharge documentation. Unclear why they couldn't have told us this three weeks ago and saved us a huge amount of stress?! Tl;dr: We, the buyers, have had everything lined up to exchange contracts for three weeks in order…
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Conveyancing before SDLT deadline
How realistic would it be to get a property transaction over the line now before the SDLT deadline? For more information the offer would be on a cash basis, no lending. I have a conveyancer who can do it on the buying side and has quoted an extra fee to get it done beforehand. The difficulty would be in the buyer getting a…
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Comments about Flatfair as Landlord
As a Landlord, I agreed with my tenants for them to use Flatfair. As a landlord from last 20 years it was first time i agreed with my tenants to use flatfair. I think this was first and last time . Flatfair has got a misleading message , has not paid the claim does not look like they will , reduced the claim to half not…
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Easthampstead Bracknell
Hello everyone, Looking to buy a property in the above area and wanted to find out from people’s experiences how good of an area it is and if it’s family friendly. Thank you in advance ☺️
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Renting - ex paying rent for me??
Hi all can anyone offer me advice please, I’m recently divorced and want to rent a house that my ex husband has agreed to pay the rent on (we still get along well and have 3 children together), I wouldn’t be able to afford a house just on my wage but he is willing to sign as my guarantor. I’m now finding out no one will…
