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Help to Buy Scheme for First Time Buyers

Due to the recession, first time buyers are struggling to get onto the property ladder. The combination of tighter wages and rising house prices means that they are finding it difficult, if not impossible, to save up the required deposit for a mortgage. Even if they can, UK lenders are

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Investigating Subsidence for Insurance

Subsidence is where the ground caves or sinks, which is a huge problem for homes built on top of it. There are many different causes of subsidence, and many ways in which it can be prevented or halted. One thing is for certain: the cost of subsidence can often be

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How Soil Samples Help Identify the Cause of Subsidence

Subsidence can be a homeowner’s worst nightmare. It can cause incredible amounts of damage and cost thousands of pounds to fix – even more if it is identified too late. If you suspect the ground underneath your home is subsiding, you need to take action quickly. Before looking into the

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Bats and Building Work

It may seem like bad news if you think that you have bats in your property and certainly in terms of the legislation afforded to the protection of bats, it is a veritable minefield. Penalties relating to infringement of these legislations include anything up to six months imprisonment and/or a

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Don’t Rely on Mortgage Valuation Reports

Don’t rely on the mortgage valuation report you have to pay for when you buy a home. This is simply a confirmation to your lender that it will get its money back on your property if you can’t pay. However, the valuation isn’t a survey and won’t tell you if there are

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New Partner

Allcott Associates LLP are pleased to welcome new partner Matthew Baker MRICS. His appointment signals expansion of our commercial division. Matthew is a Chartered Building Surveyor with a wide variety of experience, which has been in both Private Practice and Public Authority, developing significant experience in all aspects of commercial

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Lenders Should Inform Borrowers that a Valuation is Not a Survey

The Council of the Residential Property Surveyors Association (RSPA) has written to Hector Sants, chief executive of the Financial Services Authority, calling for an investigation into the advice mortgage lenders give their borrowers regarding valuations and surveys. In the letter the RSPA asks that the FSA takes urgent action to

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Why Choose an Independent Surveyor?

The valuation report obtained by the mortgage lender will often be from an in-house staff valuer, an associated firm of valuers, or a corporate organisation with whom they have reciprocal arrangements. These organisations may offer additional Home Buyer Survey Reports or, occasionally, Building Surveys. Are they, however, truly unbiased? It

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