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    Private pension: Widows v Orphans

    Has anyone any idea about what way entitlements work when someone dies, having a pension with provision for widows and orphans, but they were legally separated from their wife and had a child with a new partner? My uncle died last week, leaving his partner with a toddler. My family are...
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    Splitting up with Partner - What's the best way to buy out her share

    Did she pay a large deposit into the house when you bought it? The reason I ask is that if you bought in the last few years the odds are the house is worth quite a bit less than you paid for it. Unless you bought with a large deposit it's likely the house is in negative equity. If it is she...
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    Is there any law to stop an EA advertising a property at an unbelievably low price?

    Re: Is there any law to stop an EA advertising a property at an unbelievably low pric OP, it's certainly not illegal for your neighbour to market the house at a lower price than everybody else's. But unless you are in an estate where the other houses are markets at €250k or less, then the €50k...
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    Selling House with Party Wall Ext Next Door

    I don't understand why an extension can't be built. Is there a window in the party wall?
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    Does a Westerly Garden Get any Sun?

    Indeed, my parents garden is north facing, but as it's 300ft long the vast majority of it gets sun. (On the rare occasion the sun shines.) And as the rear is north facing, that means the front garden also gets the sun.
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    House price €275, offer €255

    If the vendor is on with two agents it sounds like they have been on the market for a while and is not going to achieve what the vendors are hoping for.
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    House price €275, offer €255

    I don't want to jinx it by talking about it before exchange, but it's gone very well so far. What do you do?
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    House price €275, offer €255

    It was just a hypothetical, I'm not buying anywhere now. In fact I'm selling, but in London where the market hasn't quite seized up yet.
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    House price €275, offer €255

    Say I put an offer on a house a month ago. I like the house but it's above my budget so I go in with the highest offer I can, say €20k below asking. I might be bidding lower but I have nothing to sell and I have mortgage approval so I'm a good bet if the vendor accepts my offer. At the time...
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    House price €275, offer €255

    It is only gazundering if an agreement has been made. If the vendor had accepted the offer and they and Neil had started processing the sale and Neil decided to lower his offer the day before exchange that is gazundering. But no agreement has been made, so if the EA calls Neil next month and...
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    Bank of Scotland cancelling mortgage offers?

    Halifax are HBOS (Halifax Bank of Scotland) it is not associated with Royal Bank of Scotland group which own NatWest and Ulster Bank along with RBS plc.
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    Setting a sale price on your house

    I know some people who very recently got 8% over their asking price as they priced low and generated enough interest to get a number of competing bids. What you need to do if you are selling is your own research. If you live on an estate with 4 similar houses already on the market you need...
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    Selling my half of house to boyfriend - financial implications

    If the house is in negative equity then it is the OP's boyfriend who is taking the hit by allowing her to walk away. Eg, if they paid €400k for the house and it is now "worth" €350k then by rights she should be paying him €25k to take full responsibility for the debt. In this scenario if he is...
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    Buying house with Girlfriend

    OP it is tax evasion, it is illegal. Yes plenty of people do it, and it may seem as if they have gotten away with it. But at any point in the next 5, 10, 20, 40 years you could come home to a letter from the revenue telling them you owe that money, with interest and possibly penalties. And...
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    Offering less than asking price

    Except in a charity shop. It's really bad form to ask for a reduction when people are trying to raise money for charity. But the OP should definitely ask for a reduction on the house they are interested in, and be prepared to wait at least 3 weeks to a month before coming back with a slightly...
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    Thinking of selling up!. Advice please & we only have house a year

    But that is what the OP is considering doing.
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    Thinking of selling up!. Advice please & we only have house a year

    While of course you shouldn't rush into it you do need to be aware that you only have freedom to move as long as you have equity in the house. If prices fall further while you wait and a point is reached where your house will not sell for more than €320k you will not be able to move until...
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    Thinking of selling up!. Advice please & we only have house a year

    Another point to consider if the OP is feeling they might be best to wait is that their mortgage is €320k and the best they believe they may get for their house is €390k. If they wait another 18 months and after that time decide they really need to move as the house isn't big enough and the...
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    Selling my current home and buying a new one.. What are my options.

    Maybe you can try to sell it in a non-traditional way. Advertise it for sale at a price substantially lower than anything similar and put on the advert that you will sell it for the best offer that you receive by March 31st. If you don't get an offer by then which you are happy with you can...
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    Selling my current home and buying a new one.. What are my options.

    Do you not think that this will cause you problems with tenants? If you hate it there so much how do you expect somebody else to continue renting there? If it's as bad as you feel it is your tenants will be moving out every couple of months.
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