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Lodger question (damage) - solved
Hi everyone, I'm after a bit of advice from landlords here. We’ve had a lodger in one of our rooms for 2 years and he’s moving out end of this month. Before we rented out the room, we did a complete refurbishment of the house the room was almost brand new with brand new carpet. We got a new bed, new Silentnight mattress…
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Property Valuations -BTL
Hi guys, looking for some help, I have tried to ask my mortgage broker but I am not getting me clarity. Basically, I am trying to figure out how valuations work for BTL I am looking to purchase a property refurbish it and the let it, but I am wondering once I finish the refurbishment and then look to mortgage it on BTL…
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Unpaid leave on payslip while applying for mortgage
Getting a bit worried that I took a week unpaid in march, (I'm paid monthly) and then circumstances meant my husband and i have started looking to buy rather than rent (that we have been doing past 18 years) we have not started our mortgage application, but my husband wants to start after the bank holiday weekend. Stressed…
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Buying land from BT Openreach
Hi there, Our back garden backs onto a BT Openreach Exchange which has a large carpark and green area. As with many people we have big parking issues. We would love to purchase a piece of the BT land to create a driveway at the back of our garden. We have tried to find a suitable BT Openreach contact number or email to ask…
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Scaffolding on Right of Way
We own and live at the end of a private access road. Driving onto the
private road from the busy main road the entrance is very narrow with
no splay area and buildings on both sides. On the right you pass two old
cottages (one after the other) and on the left a single storey old stone building (gable
end on the main road…
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Rental being sold - Unable to find anywhere else to live
Hi, I am after some advice from people who know more than me on renting and my rights. We live is a rental and the landlord has told us he needs to sell the house. We haven't been issued notice yet, but he mentioned his intent to serve a section 21 giving us two months notice. It is of course totally his right to do so…
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Help on Our Situation
Hi All, Im looking for advice on our recent situation. About Us: We live in Devon. I am 33 on 40K a year. My wife is 30 and has just had her final maternity pay packet. She is now un-employed. We have a 10 month old son. We have recently been issued a section 21 and have 2 months to move out of our rented home. I don't…
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Property being sold cash sale. Renting over 10 years
I have been renting for over 10 years with the knowledge of the landlord that I wanted to purchase the property if it was ever to be sold. My landlord informed me that someone had offered them a cash sale (unsure of the amount they offered) I do not have a tenancy agreement but have paid rent (cash in hand) for as I said…
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Fixtures and fittings only insurance
Hi I purchased a leasehold ex council property. It has a fitted kitchen, bathroom and bedroom wardrobes. My lease specifies the leasor insurance, which I pay for in my service charge, only includes the bricks and mortar. Even doors and windows not included!. Have tried various insurers with no success. Can anyone recommend…
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Landlord 'misplaced' rentbook
Okay so update on the house selling, happening in a few months time 😭 Have asked landlord for rent book, hubby was supposed to ask for it back months ago (before the sale happened) and didn't, he's far more trusting than me, I'm more don't give people a chance to 💩 on you. So paid the last lot of rent, asked for rent book,…
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Purchase about to fall through due to misrepresentation
Hi all! (You'll all get sick of me at this rate!) Hope everyone is having a lovely Friday? Down to business! Right, our house purchase has stalled just before exchange was due. I'd love some impartial advice, please. Maybe somebody has been through something similar? House listed at 140k, three bedroom. Offer accepted at…
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Buyers purchaser pulls out week before exchange of contracts
Hi, I am just looking for some advice, although I appreciate little I can do. Our house buyers purchaser pulled out, so our estate agent has suggested we go back on the market as the house we are buying are unlikely to wait once they are informed (I literally found out yesterday). I thought maybe we should wait a few weeks…
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TA10 fixtures and fittings form help
Hello, not getting any help from solicitors so thought I'd ask on here! On the fixtures and fittings form, how much detail do I have to go into. For example would I mention rugs, mirrors, painting etc. Do I only note items I am leaving or those that I am taking as well? Thank you
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Buying Leasehold Flat - Building insurance seems expensive and will be renewed before my purchase
Hello all, My offer for a first-floor converted flat (leasehold) in London has just been accepted. I've asked the vendors to provide me with a summary of building insurance. They paid £2010.82 between 2022-2023 which was split between them and the Ground Floor leaseholder (see the summary of policy below. For 2023-2024,…
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DIY Conveyancing, any guides or advice please?
Hi, I am buying a freehold lock up garage, with my personal savings, the sellers are known to me and I have been quoted £1000 for the pleasure of conveyancing. Are there any guides on how to DIY?
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Change of Tenant - advice please !
Hi, I just wanted to get some advice on the following situation: There are 4 of us living in a shared house, we are in a joint tenancy (assured shorthold tenancy) with a fixed term of 12 months. We moved in in September 2023 so the fixed term ends in September this year. One of us would like to move out into a new flat at…
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Experience purchasing house from AMG/TLT
Hi We are trying to purchase a repossession from AMG (asset management group) through TLT (solicitors dealing with investment bank repossession sales). We were given a 28 time frame to turn around the sale 2 months ago. While we have had everything we need in place at great speed (within 2 weeks of agreeing the sale) we…
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Buy-to-let tax loophole or just tax evasion..?
Hi all, I am a fairly new BTL landlord and I’m contemplating using my limited company to purchase my own (personally owned and only) home to create a BTL and simultaneously facilitate the purchase of my next home. Common sense would tell me that it would need to be at market value seeing as, if I were to pay over market…
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Increase mortgage to move house and keep property as BTL
Seeking advice and views on a plan to move house and potentially keep my existing home and convert to a BTL. I have a good amount of equity in my current home and a low mortgage well within my borrowing limit. On top of this I have a good lumpsum which I had initially sought to invest in a BTL property. I have realised…
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Cost - Removing downstairs bathroom to make kitchen bigger
Hello all i I am in the process of buying a house and I have a question for all. I would like to remove the downstairs bathroom as the kitchen is very small, and I would like to make the kitchen bigger. i have attached a photo of the floor plan for sizes… I would like to know how much it would cost to remove the bathroom,…