 Can I maintain the rights to the cell tower lease I have but sell the land under it? |
We currently have a lease with a cell tower company and have a tower on our 96 acre farm. We are selling the property but dont want to lose our lease with the cell tower company.
Should I sub ... |
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 Is the homeowner responsible for ice on sidewalk? |
| if ice is built up due to water from the sprinklers is the homeowner responsible. Though the sidewalk is city ... |
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 Can my girlfriend stay in my apt without being on the lease? |
| I'm moving in a one bedroom and my girlfriend might move in with me in a couple of months. Should I tell the real estate before signing the lease? should I just not mention it until she moves in?... |
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 Can a landlord refuse to rent to you if you have poor credit? |
I have poor credit but a good rental history and I make 3x the rental amount.I have paid off all my debts and I live in WA state.
Additional Details
well I'm in the military and ... |
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 Urgent landlord advice needed please? |
Hi
A tenant moved into my house over a month ago. The tenant gave us a mobile number which she either has off or does not answer. It took us two weeks for her to ring us back before when ... |
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 How to start the home loan process? |
| My husband and I are just starting to think about purchasing a home. However, I don't know how to get started. Should we go find a house we like first? Should we call a realtor? We probably won&#... |
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 Need advice in wether or not to proceed with purchase of brand new home.? |
| I'll try to keep it short and to the point. My husband and I are very interested in purchasing a home (to be built) but must sell our current home and use the profit to be able to afford the new ... |
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 Mortgage advice needed please!? |
| Applied for a mortgage today and was told that i'd get a 100% mortgage for £54,000. I live in Edinburgh and that wouldn't buy anything here. Huge waiting list for a council house - i ... |
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 How much notice does your apartment complex require you to give? |
| i assumed it was 30 days like everywhere else. guess i should have read the fine print. i gave them 33 days and to my horror they tell me they require 60. anyone else have to deal with a 60 day ... |
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 Is it better to rent or buy? |
| I know that you are just kind of throwing money away when you rent but renting is so much cheaper then buying. And their are so much less responsibilites.... |
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 Is it better to get a fixed rate mortgage or adjustable rate? |
| I've heard you can get a low rate initially on an adjustable rate but then it jumps up. But I also heard there is a cap on how far it can go and it works out better. How do you choose?... |
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 How do I reduce the number of years on my mortgage? |
I owe $126,000 and am approximately five years into a 30-year fixed mortgage. My payment is $1150 a month (most of it interest of course).
I would like to reduce the number of years that I... |
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| My husband is trying to take the equity/refinance our house without me.? |
I am in the state of Florida
My husband is planning on leaving me, (other women) We got married in 2002. I had a property at that time in just my name. He went to jail, I sold my property ... |
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 What should my less then 30 day notice say? |
| I plan on moving into a house on the 1st of sept. I have less them 30 day to put it in writing, for my landlord. I'm not sure what should the letter say? and will I get my full deposit back?... |
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 If his name is just on the title, not the loan of the house, do I need his sig. to sell/rent the house? |
| The mortgage co. won't even discuss business with him unless I send permission. So what does his name REALLY mean on the title?... |
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 Can i charge my lanlord rent for a vehicle he has stored in my backyard? |
| my lanlord has an old truck sitting in my backyard. we're not able to use any part of that area. can i charge him rent or storage?... |
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mariposa6809 | Single first-time buyer desperately seeking advice for the future!? |
I am 26 and just starting a career change, albeit to a less-well paid job, but it's what I want to do. Will only be on £14000 for the next couple of years. I desperately want to move out of my parents and buy my own place, not rent and throw away dead money, but I'm aware that on 14k it's not going to happen overnight. What advice can you give for the long-term? If I save up a reasonable deposit would I get a mortgage on this salary? I am not looking for anything major. looking to start on 75-95. Uk advice please. |
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Vinny
|
Northern Rock will give you a 125% mortgage.
Im single, and my boss has been great to me and give me a rise of 14k to 19k!!
Northern Rock will give me 99k mortgage, but ive just bought somewhere for 80k, its costing me £475 a month repayment type on the mortgage alone,
Basically if u live up north :P youl get somewhere nice for that, mines a lovely place.
I think you may struggle with 14k, depends if u have any other dept and if ur willing just to stay in... |
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Kalpesh
 |
With your current salary, work out how much you can afford to pay into a mortgage each month. If you can't afford the repayments on a 100%+ mortgage, you're stuck. Sometimes a cheaper rent allows you to save, which can then be used as a deposit. It all depends on how desperate you are to get your own place!! Good luck! |
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denxxchua
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From most complaints I've read, people who buy their own houses early end up getting burried in dept in the long-run. This is because of the mortgage. Having dept early in your career and seriously harm your financial future due to the unstableness of your job. |
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chris s
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You need to have a good relationship with your bank.
Go ask them not us, they are only ones who can let you know what they want for to give you a morgage. |
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dsclimb1
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you could get a 100% mortgage but you will pay extra fees and insurance on this. which could be OK, if you take into account how much you are spending on rent now whilst you save.
failing that 5% will get you a good deal as a first time buyer, 10% even better. You wont need to pay tax on a purchase of that value which is good.
You will need to pay solicitors and survey fees, so if you have £2000 set aside, this will cover every eventuality and give you change to kit your house out, or pay off a chunk of council tax.
Forget your bank, speak to an good independant mortgage advisor, they will get a commission direct from the mortgage supplier (not you) and they get this no matter whose mortgage they sell, a bank just pushes their own product. |
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Robin the Electrocuted
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Even with a mortgage 5 times your salary (which is provided by one lender but I would really encourage you not to get it as your repayments will be quite high) you would only get £70k so you would need atleast £5k deposit before you can look at your lowest price range. Then there are all the fees associated with moving (~£2k+) so there's that to bear in mind too.
I would advise you to stick it out at your folks for a little while longer until you can get a rise, or maybe think about sharing a mortgage with a friend you would be comfortable moving in with? |
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Dark Prince
|
Hi
You dont say what your salary will be after the couple of years struggling on £14,000, but assuming you will get a hefty pay rise and you are really keen on moving out then........
You could look into self assessment mortgages, this is where the lender is more interested in your ability to pay then how much you earn. The interest rates are sometimes a little higher but you can often borrow more than through the normal route. The Cheshire Building Society is a reputable company to approach for this and you can complete all the paperwork on line.
As others have said you must consider the other costs incurred and then account for the on-going costs of bills and living!!! Although if you can afford a two bedroom place you can take in a lodger to help the finances.
If you are dead set on it though, follow your dreams and if it goes belly up at least you tried, just go into it with your eyes wide open.
Good luck
Dean |
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summermars
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I got a 100% mortgage, over 35 years, which made the repayments monthly more mangeable. I got 100K.
I was with Direct Line and they looked at how much I earned a month, and what my outgoings were and what I could afford, rather than multiplying annual income like most banks. I'm not sure if DL do this anymore though unfortunately, but would recommend not looking around a bit at people that calculate in this way. I was 25 when I bought it and it was the best thing I ever did, tough for a while but soo worth it. Good luck |
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El Cid
 |
Depends where you want to buy and and what kind of job. If you are in so-called essential service sector in say, London, you could be eligible for some of the new low-cost homes being built for such workers (teachers, nurses, etc.). I would also try housing associations to see if they can help with shared-ownership schemes. You don't buy outright, but you usually have the option to buy it later as your income rises. If you are an able DIYer, you could also look for a cheap property that needs 'doing up' and improve it yourself. Try attending house auctions. |
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Em
 |
Have you thought about 'shared ownership' there are a few things on the web, bbc one below |
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