Just accepted an offer on our house & had an offer accepted on another house. Anyone want to join me in a hoping it all goes OK/preparing to move thread?

(94 Posts)
jenduck Tue 26-Feb-13 16:24:59

We have just accepted an offer on our house of 183k, not too bad as it was on for 189k. The buyers say they are cash buyers with money in the bank (although my dad, our conveyancer, says always to be wary of people claiming this until you've seen the evidence wink). We have also had an offer accepted on another house of 223k (was on for 239k). The vendors are 2 brothers who have rented it out & have to give a 2-month notice period.

From our side, there shouldn't be any problem with the legal side of things as my dad is our solicitor, plus I work there 1 day a week! Our mortgage has also been agreed in principle, have to go in at the weekend to sign some more forms.

We would like to be in the new place in time for the first May bank holiday, as there is a lot of work to do. Ddad says this is entirely realistic, given the chain-free nature of things.

I am, however, panicking about packing everything up in such a short time! We have tons of junk stuff & I don't know where to start! I also am mainly SAHM to DSes 4.2 & 22m for 4 days a week & can't really do anything with them around - DS2, in particular, will just unpack anything I pack! Thinking of asking Dgrandparents to come round for an hour once a week, to take boys for a walk or just sit with them while I go up in the loft of doom

Think I will start tomorrow by taking a few black bags of clothes to the cash for clothes place nearby whilst DS1 is in pre-school. We are putting any cash we get from selling things into a tin you can only open with a tin-opener & will then use it for furniture for the new house (Ebay!)

Is there anybody in a similar situation who wants to join me???

lisad123everybodydancenow Tue 26-Feb-13 16:37:27

Message withdrawn at poster's request.

specialsubject Tue 26-Feb-13 17:05:01

not answering the direct question, but - it should be easy to confirm if your cash buyers have the money, they just have to produce a statement of account. You also need to confirm that proper notice has been given to those tenants, and have a plan b if they don't leave. (really, really hope not!!)

cash for clothes pays peanuts, but does save a lot of hassle. Start looking on freecycle for packing boxes, and concentrate now on serious, ruthless decluttering. Tell yourself that you have to carry every single object, that will help you decide what is worth it.

jenduck Tue 26-Feb-13 17:16:33

Waves to lisa & specialsubject

I am at work today & my dad has just had a fax from the purchaser's solicitors confirming their cash buyer status grin My dad was advising caution as he has, over the 30 years or so he's been in the business, seen the situation many times where people claim to be cash buyers but have actually had to get mortgages & been unable to, thus causing the whole thing to go belly-up...

Good point re: tenants, will get Ddad to check.

Lisa well done on getting such a good price for your property. Fingers crossed for the new place! Do you have a timescale in mind?

Notyetthere Tue 26-Feb-13 17:22:19

We are going to conduct a 2nd viewing on the house we liked. We viewed on Saturday and it was fresh on the market that estate agent had not even taken pics yet for advertising. Just as we left the viewing another family was arriving to also view it but fingers crossed if they like it they will be in nasty long chain! We are 1st time buyers so ready to move whenever hopefully it puts us in a better position. It's on for £225k.

lisad123everybodydancenow Tue 26-Feb-13 17:27:45

Message withdrawn at poster's request.

LadyKooKoo Tue 26-Feb-13 17:29:15

We had an offer accepted on the new house on January 16th which was also the day we went on holiday for a week. We have the mortgage offer and have had the home buyers report done. I spoke to our solicitor yesterday and she was hoping that the rest of the searches would be back today. At the moment we have March 15th in as completion date so will hopefully be exchanging contracts next Wednesday. I was hoping it would have been tomorrow but clearly won’t be.
Our house went on the market on February 8th and we accepted an offer £2k under asking price on the 11th. Buyer is also a first time cash buyer. Was going swimmingly until we realised that our never opened, never used cellar was full of (what appears to be) ground water so that is delaying things a bit. Buyer is coming back with a builder on Saturday to confirm that it is not damaging the house structurally (has been standing since the 1800s). All being well we will complete on our house on March 26th.
Am sending out the positive vibes to all of you so am hoping that some come back to me smile

MrsJamin Tue 26-Feb-13 22:10:14

This is the thread for me right now! FTBs buying our house, our vendors are going into rented and we are hopefully going to try to complete by end of Easter school holidays! So very excited. DH wants to start packing but I don't think we should, we have kept our belongings to a minimum as we have a small space. We have been trying to clear out the loft though, and I should try to chuck out things from the garden but its so cold I don't want to! Are you all paying for movers or going to try to do it yourself? At the moment we need to work out what furniture we want to sell to our buyers and what furniture we could buy from our sellers. It's tricky working out a fair price for things- what have any of you done about this?

jaynebxl Tue 26-Feb-13 23:58:37

Oo great thread. We had an asking price offer accepted on a house we really liked on 4th Jan, got our house on the market 9th Jan, ended up with a mini bidding battle and accepted an offer 5k over the asking price on 14th Jan. And since then nothing has happened! The people in the chain above the people we are buying from haven't found anywhere to move to so all has ground to a halt.

But I have had a removal company round to give us a quote for packing and moving all our junk so I think we will go for that.

Goodwordguide Wed 27-Feb-13 08:24:08

Can I join? We also have a loft of doom!

Offer accepted on the house we want on November 26th. We're renting our house out so we're not in a chain but had to organise a remortgage as well as the purchase mortgage. House we're buying os old so we had a full survey plus structural engineer's report and countless other tradesmen all quoting and we renegotiated the price - though despite all this, we've been the ones pushing to exchange, the vendors have been dragging their feet a bit as they're in a chain on the property they're buying. However, finally, we should exchange by the end of this week <fingers crossed> and complete by end of March.

So, we've painted/tidied up current house and it's now on the market for rentals (went on Monday, 4 viewers yesterday, EA taking photos tpday).

Removals coming to quote Friday and I need to do the mid-year transfer for the children's new school as we're moving out of London, plus a 1000 other things argghhh so feeling a bit fraught at the moment!

lisad123everybodydancenow Wed 27-Feb-13 11:08:48

Message withdrawn at poster's request.

jenduck Wed 27-Feb-13 11:17:03

Welcome to all the newbies! Kookoo I hope your cellar gets sorted out, it all seems to be within your grasp otherwise!

MrsJamin am so with you on trying to clear stuff out! We are moving ourselves, will ask family (3 x Dsis, 2 x parents, 1 x grandparents) to help in whatever way they can - babysitting or transporting a few boxes for us. We are only moving about 3 miles, to my parents' villages, so hoping they might let us use a room for storage for a while. We are probably leaving a lot of stuff (fridge, freezer, dishwasher) but won't ask loads for it as it's mostly old and/or secondhand anyway.

Jayne well done on getting over asking price shock Hope the chain moves quickly, chains can be a pain (have had our sale fall through once due to chain issues & once as buyer couldn't get mortgage).

Goodword yay to lofts of doom! Exchange sounds very close, hopefully things will feel a little less fraught once it's done.

I have had a mixed start today. Took masses of clothes to cashforclothes place, only to find it shut (real pain as getting there involved parking in v tight space, getting pushchair out, clothes on pushchair & muddy walk there). But had to pop to shops so did that too, got some boxes from Tesco & found £10 on the floor there grin. Plan this afternoon is to pack up sideboard bits so we can put it on Gumtree, ideally someone would collect it this weekend!

Sending everyone good moving vibes!

jenduck Wed 27-Feb-13 11:18:48

lisa what a pain! We have also had a few potential purchases fall through because of sales falling through, so I know how you feel. Hopefully it means your perfect house is just around the corner smile

MrsJollyPostman Wed 27-Feb-13 11:36:32

Can I join? We are first time buyers and had offer accrpted 2 weeks ago! Due to complete in 3 weeks! Seller is getting a new build so then we just need to wait for that to be ready! Good luck everyone.

kid Wed 27-Feb-13 15:02:28

Can I join?
I put in an offer on a house a few weeks ago which was accepted. (Little did they know we were willing to go much higher than they accepted which is great news for us!)

The situation at the moment is that the building survey was carried out yesterday and we're told to expect to hear the results within 48 hours. Our solicitor has ordered the necessary searches, no idea how long they will take.

We are first time buyers and the seller has a property to move in to so the chain is complete.
Our mortgage has been approved and stamped (whatever that means but I'm assuming its good!)
I've got some quotes from removal companies but haven't made any decisions yet.

How long am I looking at until we get a moving date or are actually in our new home? We are bored of waiting already!
Fingers crossed it all goes as planned as I don't want to go back to square one.

Eve Wed 27-Feb-13 16:30:18

us to.

We have a new build picked, our house was on the market for a grand total of 5 days before it sold.

Just been to builders to pick electric sockets and light positions, kitchens on friday.

Chain got to hold up though.

LadyKooKoo Wed 27-Feb-13 16:45:55

Just had a phone call from our solicitor confirming we are good to go on the new house (a 1930s with lots of room to extend and massive garden) and we are exchanging next Wednesday with completion on the following Friday. I will have the keys to our new house in just over two weeks.

I have just had an email from the EA saying our buyer wants us to do a full test of the electrics and gas as they are currently potential health hazards (house completely rewired and new central heating installed in 2007). I have replied saying if he wants it then he can do it or he can pay full price and then I will get it done. I understand he is a cautious FTB but I have bought lots of properties and NEVER expected the vendor to pay for these things.

Goodwordguide Wed 27-Feb-13 18:18:32

Yeay, we have our completion date confirmed for the end of March. Exchange should happen on Friday, funds are in place and the solcitors are ready.

Had to tell school that we are definitely leaving sad - we love our school! Ut also spoke to the new one and they always sound so nice and friendly. Now I need to order the new uniform etc - just going to wait until exchange has definitely happened, don't want to jinx it!

kid Wed 27-Feb-13 22:17:05

At what stage do you get a definite move date? Do you have to wait for solicitor searches? How long do they usually take?

I'm jealous of all these people getting their keys so soon.

goodword I haven't mentioned anything to dd's school yet. I'm also expecting an offer for DS's secondary school this week so I'm hoping to be able to apply for y7 place in our new area (kent)

lady sounds like buyers are pushing their luck trying to make you foot to bill to get tests done. Surely that would come under the survey type of work which they are responsible for. Hope you get it sorted soon.

maxmissie Wed 27-Feb-13 22:21:39

Can I join in too please? We had an offer accepted on house last Friday. We rent from DH's parents so no pressure to move out of our current house and vendors are hoping to buy a house that has no chain.

So fingers crossed all well go smoothly.

Goodwordguide Wed 27-Feb-13 22:51:56

We got the move date when we got the exchange date - how long that takes dependson lots of things, mainly the length of the chain, how efficient the solicotrs etc are, if the survey goes smoothly. Last time we moved it took six weeks. This time it'll be more like 4 months!

kid Thu 28-Feb-13 21:25:56

The latest update on our house is that the survey came back fine so mortgage funds are ready to be released. Our solicitor has the draft pages from us and the sellers solicitor and will order the searches by tomorrow (if they haven't done so already). Afaik, our next contact will be to exchange contracts, pay the 10% deposit and to agree a completion date (is that the same as an actual moving date? I'm easily confused grin)

jenduck Fri 01-Mar-13 10:03:09

More newbies grin Welcome to you all waves Hope everything goes smoothly for everyone.

I see a couple of people are grappling with telling schools. We don't have to do that, as DS1 is only in pre-school (but one attached to a school), but I am nervously awaiting the results of our school application. It had to be sent back in January, so we put down the school in our new village, with a note explaining that we were in the process of selling & have lots of links with the village (grew up there, parents live there, got married there etc). So we are just hoping he get s a place there, particularly as the next school is a car drive away (& not in a very nice area).

Was hoping to hear from our bank re: mortgage application this week, so that we could go in tomorrow & sign, but not heard anything. This means we'll have to wait till next weekend at least, as DH works all day Mon-Fri, too far away to get back in a lunchtime or similar.

Managed to get most of the sideboard cleared out on Wednesday whilst DS2 napped & DS1 played. Should finish it today & maybe sort through some more of my clothes, too.

Hope we all make good progress today!

Goodwordguide Fri 01-Mar-13 10:15:39

We had to do the same with our schoolmapplication for DC3 jen - as soon as we've exchanged, I'm going to ring them to update them.

The really good news this week is that - finger crossed - we've found tenants for our current house, which we're renting out. There was a bit of wrangling with the letting agents over fees but they were pretty flexible somI can't fault the, really. The tenans want to move in two days after we leave, which is great in terms of not losing rent, but will be a real scramble for getting it ready as they want it furnished.

I have all three children off school today with vomiting bug so very glad there are no more tenants to show round!

Still waiting to hear from the solicitor re. supposed exchange today....

LadyKooKoo Fri 01-Mar-13 13:27:09

Well EA went back to buyer on Wednesday about additional checks and have heard nothing back so fingers crossed he is satisfied. We will know if he is happy with the cellar tomorrow so within 24 hours I should know if he wants to proceed or that it needs to go back on the market. Good news is that my solicitor called yesterday to say that buyers solicitor has had all the searches back and they are pushing for exchange next week too. I am hoping that all of these are positive things mean that tomorrow is just a technicality!

Goodwordguide Fri 01-Mar-13 14:04:06

How long does actual exchane take?, we are exchanging today, I gave my authority this morning, confirmed completion ates etc and now... Nothing. Don't want to nag the solicitor but also don't want it slipping til Monday!

Sounds good ladykoo

Goodwordguide Fri 01-Mar-13 14:38:55

Exchane done! Now for the fun part grin

LadyKooKoo Fri 01-Mar-13 16:26:21

Great new goodword. Now you can relax. I always feel like I am on tender hooks until the exchange happens!

LadyKooKoo Fri 01-Mar-13 16:26:33

*news

kid Fri 01-Mar-13 17:14:23

DS has been offered a place in our first choice secondary school. I already know he won't be going there but we have to respond by the 15th march as to whether we are accepting it or not. I think we'll have to accept and then withdraw once we get a school in kent.

We've had the contract from our mortgage advisor today. We have to sign it and return but leave th completion date blank. They are awaiting information of whether the seller has been billed for a right of way road outside their house, first we'd heard of it when we read the contract documents. We were told that our mortgage lenders provided the survey. We've now read that the survey only consisted of a valuation to make sure the mortgage was a good investment.

We now need to decide whether to get out own survey done or not. We plan to do another viewing with someone who knows about heating, boiler etc as the mortgage advisor is suggesting we check those things ourselves. Good job a member of my family is able to do that for us. I just need to ask them! I doubt we'll be able to go before next weekend but it will soon come round I suppose.

I don't want any stress. I want it all to go smoothly and quickly.

Goodwordguide Fri 01-Mar-13 17:48:35

I just hope we've made the right decision!

kid Fri 01-Mar-13 18:23:29

Lol GoodWordGuide its completely normal to panic about whether you've made the right decision. I've asked myself the same question at least a hundred times in the past few weeks.

Goodwordguide Fri 01-Mar-13 18:32:07

I guess we won't know for at least five years! It's such a big complicated move - out of London, changing schools, changing commute, moving to a small town etc. lots and lots to sort out!

kid Fri 01-Mar-13 19:25:25

I'm leaving London too! I've always lived in London so its going to be a big change for us. I will also be moving dc (14 and 11) to new schools and I'll be commuting back to London daily until I can arrange a new job.

It's a big decision, we rushed it tbh but we're in the perfect position and the house is lovely so we literally thought, why not?!

jenduck Tue 05-Mar-13 12:31:51

We've all gone quiet! How's everybody doing?

Things moving along here, albeit somewhat slowly. My solicitors (Ddad grin) have received memoranda of sale from all the relevant parties. We went into the bank on Saturday to sign our mortgage application. And we have been in touch with surveyors (basic survey free with mortgage) to get a survey done on the new house - £210 for a homebuyer's report, which seems fairly good value.

DPIL coming down this weekend to help us pack/occupy the kids while we pack. Also did a fair amount at the weekend, now running out of space to put boxes!

Just hoping survey doesn't show anything bad as the house were buying has a dorma extension for bedrooms 4 & 5, which has a flat roof (which we'll get redone in time, anyway).

LadyKooKoo Tue 05-Mar-13 13:16:41

Buyer came out with builder friend and environmental health friend on Saturday and (I think) all of his concerns were satisfied. EA thinks the same but haven't heard anything since which is quite frustrating even if no news is good news. My solicitor confirmed that buyers solicitor had had all the searches back so am waiting for her to come back to me with an exchange date. We are definitely exchanging on new house tomorrow but not sure if completion is next Thursday or Friday as waiting for solicitor on that one too. Haven't started packing yet as refuse to do anything like that until we exchange.

GoatsHaveStrangeEyes Tue 05-Mar-13 14:35:23

Hi, can i join?

We put in an offer on our house in Jan (140k with 7k off the asking price) which was accepted. We rushed everything through, got our mortgage offer really quickly only to find out the seller was being so bloody slow with everything. It was being rented out previously so is vacant and we are ftb, you would think it would be going swimmingly.

We have just had most of the searches back but now we need a mining survey done (live in Cornwall) so waiting to hear back from that.

We had a draft contract sent to us minus the fixtures and fittings report as the vendor hasn't bothered to do one so we are waiting for that too.

W e were hoping to exchange and complete by the end of this month as our tenancy here ends on the 2nd April but looks like we will have to stya here for another month at the cost of £750 for rent that we haven't really budgeted for. Trying to chill out about it all now though!

kid Wed 06-Mar-13 06:47:10

We've had survey which came free with the mortgage back. It's fine apart from mentioning the flat felt roof on the dormer has a limited life span. As the extension was only completed last year, we're not too worried about that.
The land registry search is also back, just one query with that, regarding cost of the upkeep of a passageway we have the right of way to.

I'm sending signed contracts back today but leaving completion date blank as instructed by solicitor. Our mortgage is ready to be released so just the other 3 searches we're waiting on now.

I haven't even started to pack. We're currently living in a 3 bed house so will have plenty to pack. I need to get removal companies round ASAP for some quotes.

Notyetthere Wed 06-Mar-13 08:15:33

Hi All,

Im behind you all in that I have just made an offer on the house we like. It has been rejected; we will wait till Monday to up our offer because its only been on the market 1 week and they have viewings for the rest of the week including the weekend. Here's to hoping that any interested parties are in disgustingly long complicated chains we are 1st time buyers in rented.

Goodwordguide Wed 06-Mar-13 08:21:35

Hi everyone.
Packing boxes arrive today - house is an absolute state as DH is still painting for the new tenants. Beginning to tick off the list telling people/utilities that we're moving. Off to see the new house again on Sunday and apparently the owner wants to sell us some of her furniture, which could be really useful as we're leavingour house furnished.

Have you exchanged lady?

ninjanurse Wed 06-Mar-13 15:29:21

Hiya, can I join you??

We have just had offer accepted on a great house, perfect location and size etc. We are in rented. Vendors are going into rented. Hassle free you would think? HOWEVER, my lease on my rented place is due up on 25th April, landlord is not going to allow a rolling contract and wants me to sign another 12 month contract, despite me explaining my situation. Timescales are getting a bit tight for an exchange and completion by then, so Im thinking I may have to put off landlord, exchange before 25th April and then complete in May. Will have to stay in rented over agreed time, but landlord would not legally be able to do anything apart from serve us with eviction papers, which take 2 months to process, in which case we would be gone.

So, yeah, its not ideal, but what else can I do, Im not going to sign another 12 month contract for when Im goin g to want to be out within a couple of weeks.

Im hoping with all the stress, I might lose a bit of weight, lol!

jaynebxl Wed 06-Mar-13 16:04:11

Ninja what a pain. You would think the landlord would be a bit more understanding and let you stay a bit longer.

Things are moving forward slowly for us ... We heard on Monday that the people we are buying from have decided to go into renting so at last things are moving.

theborrower Wed 06-Mar-13 22:21:58

Hello!

We accepted an offer on our place 4 weeks ago (were on sale for OA £105, sold for £101) and had an offer accepted somewhere today (OA £155, got it for £150). Our moving date is in 4 weeks. The guy we're buying from isn't buying a new property, so was happy to go with our date.

Our missives have been dragging on a bit - our buyer doesn't want to conclude until she has her mortgage papers issued - but I've been reassured there's no problem and it should conclude in the next day or two. I've been worried that it was all going to go wrong!

Now, we have to get our mortgage AIP finalised, and sort out all the other stuff e.g. removals. My husband wants to hire a van and do it ourselves, roping in friends and family etc to help, but I remember after the last time thinking "We're definitely getting removal men next time".

jaynebxl Thu 07-Mar-13 06:39:26

I've only bought and sold once before and that was years ago. Please can someone tell me how long we can expect the process to take? We had the call from the estate agent Monday to say the people we are buying from have decided to go into rented, our buyers are in rented and have to give a month notice. We, and our solicitors, got the formal letters from the EA with details of the sale on Tuesday, and searches started that day. Can anyone give me a rough timescale? How long would it usually take to the point of exchanging contracts and from there to actual completion?

Thanks.

LadyKooKoo Thu 07-Mar-13 07:21:09

Jayne, i would say minimum 6 weeks but that would be best case scenario.

We went and signed the contracts for the sale and purchase yesterday but the exchange probably won't happen until tomorrow. I think the completion will be next Friday for the new one and for our house the week after but am still not sure so feeling a bit in limbo! I guess I had better start packing! We already have 22 boxes in storage and that is purely my books and some of DD's clothes and toys. Heaven help me smile

jaynebxl Thu 07-Mar-13 07:54:33

Ugh! I'm dreading all this and just holding on to the dream that maybe in a couple of months we will be in our new house!

jaynebxl Thu 07-Mar-13 07:57:32

But is that 6 weeks up to completion? How long does it usually take to exchange?

jenduck Thu 07-Mar-13 09:59:05

Hi again & welcome to yet more newbies grin

Kookoo that's good that your buyer seems satisfied, hopefully they will confirm that soon!

Goats hope you move in time so you don't have to rent for another month, there are so many hidden costs in moving!

Ninja that's annoying! Is there no family/friends you could stay with for a few weeks?

Jayne I'm afraid your question is a bit like asking how long is a piece of string? It depends, IME, on how many parties are involved (ie is there a chain?) & how keen they all are. So, you could have someone desperate to move, or you could have someone who has gone on holiday for a month so can't sign anything! My Ddad (solicitor, doing our conveyancing) reckons that the very shortest time everything can get done in (to completion) is 6-8 weeks, assuming no chain & no problems

Loads of people joining me for the packing party, I see grin I am just finding it so difficult to fit in around a toddler, a preschooler & running a house!

No real news here, Ddad says that our buyers are ultra-keen but, by contrast, they've barely heard anything from our vendors hmm Still, we have ordered our survey (having a homebuyer's report), so just have to wait for the estate agent to contact the vendors to arrange a date, which they will need to agree with their tenants!

In the meantime, have cashforclothes coming today to collect about 5 black bags of clothes, which means I can't really leave the house today. This is good, as it will force me to do some more sorting (plus get house vaguely tidy for IL's visit this weekend!)

GoatsHaveStrangeEyes Thu 07-Mar-13 10:07:09

I think ours is going really slow sad. We had our offer accepted at the end of Jan, had our mortgage application completed a week after that but they only started the searches last week.

We really wanted to be out of here by the end of march (which we were told was a realistic date at the start) but not going to happen.

Our mortgage advisor never contacted us when she needed more information so that delayed it. We have done all of the chasing ourselves. Our solicitor hasn't replied to any of our emails we just get letters in the post now and again.

But we are going back to the house on saturday morning to measure up a few things so looking forward to that.

jaynebxl Thu 07-Mar-13 11:54:07

How come it took them so long to start the searches, Goats? Just because of the mortgage advisor?

GoatsHaveStrangeEyes Thu 07-Mar-13 12:49:56

Because our solicitor hadn't heard anything from the vendor's solicitor til then.

The vendor apparently wanted a quick sale and for it all to be rushed through but he hasn't even been down to do the fixtures and fittings report which he said he was going to a fortnight ago!

LadyKooKoo Thu 07-Mar-13 14:00:14

Jayne, it can sometimes be quicker. The house we are currently selling was completed within 28 days when we bought it. This was because there was no chain, we were cash buyers and the house was a repossession. The house we are currently buying will be (fingers crossed) complete within 8 weeks and our current house will be sold within (fingers crossed) 5 weeks. In my experience you need to be chasing EAs and solicitors all the time to get things done (though I have to admit, both of mine have been great this time).

jaynebxl Thu 07-Mar-13 14:41:26

Thanks for that. What do we need to chase the EA up about? I guess we can email the solicitor in a few days to ask how the searches are going?

hellohellohihi Thu 07-Mar-13 16:20:14

Can I join in too please? I've not read through the whole of this yet as am too excited to do anything much because just about an hour ago we had an offer our dream forever home accepted!

I saw it on Monday, we went back and forth a bit on the offer and now it's been accepted smile DH is working abroad at the mo so hasn't seen it!!! Eek - hope he likes it when we go back for a 2nd viewing on Tuesday.

It's slightly more than our original budget so we're getting our fab broker to work his magic and hopefully all will be ok.

To be honest I'm a tad overwhelmed by this house - it's much bigger than we thought we'd be able to get and whilst it is a slight stretch financially, we won't need to move EVER. Keep panicking about how I'm going to keep it clean!!

Good luck everyone! I'll read back later once DD is in bed!

jaynebxl Thu 07-Mar-13 18:19:24

Fantastic Hello! What's it like?

ninjanurse Thu 07-Mar-13 18:34:37

Hello - that sounds exciting!
Jenduck - worst case scenario we could stay with my mum or BIL but it would be a last resort as they are not that local and it would be a pain with the kids schools. DH, of course is totally laid back and not worries 'oh it will all sort its self out, dont worry about it!'

Have applied for the mortgage properly today and awaiting paperwork from solicitors to get things rolling.

kid Thu 07-Mar-13 21:12:01

ninja, our mortgage came through really quickly. It's the searches that are holding us up at the moment.

hellohellohihi Thu 07-Mar-13 22:32:37

It's a 4-bed, 5 reception (lounge, dining room, morning room, study and play room) room Edwardian semi-detached. There's only me, DH and 15mo DD! It ticks all of our boxes and more. Lovely garden, downstairs loo, off-street parking, great school catchment, close to DD's nursery...

We're FTBs and have been looking for over a year. I spoke to our mortgage broker on Monday morning to see if we could up our budget because I was totally cheesed off with the crap that was coming on the market, he said yes and I viewed the house on Monday afternoon so it's all happening very quickly! The vendors have had an offer accepted on a new build, so no chain that end, and we're FTBs in rented so obviously no chain our side either.

So next steps for us: DH needs to see it on Tuesday (god I hope he likes it), then we need to wait until the new tax year starts before we can apply for the mortgage (DH is self-employed and needs this year's accounts and his net income figure for the mortgage application). Broker reckons we can survey before this as he's spoken to DH's accountant to get the minimum his net salary will be and can use this initally.

I've got the forms for the solicitors, so will fill those in over the weekend so they are ready to go. The broker has our bank statements and payslips so he's going to speak to the mortgage company tomorrow (the Woolwich) to get us set up with them.

The vendors are apparently keen to move quickly thank god as I'm very impatient, so I'm going to suggest we all aim for Friday 4th May. Eeeeeeeeeek!

LadyKooKoo Fri 08-Mar-13 08:22:51

HelloHello, good luck, house sounds lovely!

Well our buyer went in to his solicitor yesterday to sign his contract and left a deposit smile We haven't exchanged yet as my solicitor needs to send something to his confirming we will fit a sump pump in the cellar prior to completion but she will be doing that today and we are having the sump fitted on Tuesday so will be complete within a week or two. I am so so so relieved!

The people we are buying from are signing today and we should complete on Friday next week (or maybe Thursday, I am not sure). We are going back to see it on Sunday.

MrsJamin Tue 26-Mar-13 09:45:19

How's everyone doing? We are hoping to exchange this week! Survey on the house we're buying came back really positive, surveyor reckons we are paying below the value of the house which is really encouraging. Currently trying to source a fridge freezer and we'll need to get a dishwasher too. #excited

Goodwordguide Tue 26-Mar-13 10:19:37

Good luck MrsJamin! We are moving Thursday yikes! Also completing that day so really really hope it all goes smoothly otherwise we are going to be stuck with a removals van full of our furniture and nowhere to go! We are the beginning of the chain so I hope that helps.

Current house is more or less all packed up though there still seems to be loads to do and I'm sooo bored of living in chaos. At work today and it's nice to get out of the chaos. DH is off now for the next two weeks, which is a great help.

DCs' last day at the old school tomorrow <sob>. I spent all last night writing thank you cards for the teachers.

doglover Tue 26-Mar-13 11:26:55

Hi everyone! Please may I join in? We've filled in all the (copious) solicitor forms and are arranging survey on our (hopefully) next property today. Our buyers had their survey done yesterday. We are in a chain of 5: FTB, cash buyers, our buyers, us, us buying a vacant property. All feels incredibly stressful!!
We finish for Easter on Thursday and I will be starting the de-cluttering process with a vengence - car boot sales / ebay / charity shops. We only moved 7 years ago but have accumulated SO MUCH stuff. We are downsizing from a large house to a 3 bed bungalow but won't dare sell any furniture until we know that everything is going ahead!

jammybean Tue 26-Mar-13 11:59:31

Hi everyone. I've been lurking on this thread for a while. Hopefully the end is in sight for everyone.

We're due to have a final viewing on Thursday then we'll exchange and complete 2 weeks after. We're lucky hmm in that 2 previous houses fell through just before exchange so most of our stuff has been in storage for the past 10 months.

GoatsHaveStrangeEyes You can request your solicitor & the vendors solicitors communicate via email and phone call wherever possible. We did this to speed up the process, as a condition of our offer we wanted to exchange within 6 weeks.

MrsJamin Tue 26-Mar-13 13:01:12

jammybean - not so jammy that two houses have fallen through before this one - that's unfortunate. Hoping that this is the one for you!

jammybean Tue 26-Mar-13 13:13:25

Mrsjamin smile I feel like an old hand at all this. Not at all fazed third time round.

Notyetthere Tue 26-Mar-13 13:41:33

It has been a while since I was last on here. Well nothing exciting has happened since then, our offer on the house stood rejected at 198k so we decided to wait it out. While we waited another property came on the market, it was already extended and fully modernised so we offered asking price. We just have to move in and enjoy living there! Offer has been accepted.

Estate agent has said they won't take it off the market until we give them our soilicotrs details (this includes an open day planned for Saturdaysad). We are using the bank's panel of solicitors, appointment with the bank for full application is booked for Tuesday where we shall get the solicitor's details. So not out of the woods just yet!

Notyetthere Tue 26-Mar-13 13:55:53

Jammybean, I'm fazed by all of this! I have just learnt today that there is something called a sales packshock. I thought I had done all the research there is to do. A long way to go.

NaturalBaby Tue 26-Mar-13 16:03:11

Can I join in too? We sold our contemporary townhouse a few weeks ago and have bought an old cottage in need of modernising, the survey came back yesterday and it needs a bit more work than we were expecting (roof, chimneys, septic tank) so DH getting cold feet now.
I'm not ready to start packing yet, and absolutely dreading it as I am a sahm to 3 under 5's, trying to run a newish business self employed.

Goodwordguide Tue 26-Mar-13 16:11:22

Hi to everyone.
NaturalBaby my biggest regret so far is not getting packers in. They weren't even that expensive but DH wanted topack ourselves so we could declutter along the way etc but, TBH, it's been nothing but an almighty PITA - I have spent days and days jsut bubble-wrapping pictures and glasses etc. The children are very unsetttled living among boxes - there is no room to even sit down in the sitting room (or their bedrooms) so I've had to keep them out of the house lots. If we'd used the removals to pack, it wouldn't have been boxed up til the day before.

flow4 Tue 26-Mar-13 16:44:15

I'm eavesdropping watching with interest cos I'm in the middle of negotiations (the vendor has just made a counter-offer I am considering)... I have been in my current house for 22 years, and you would not believe the amount of junk we have accumulated! The good news is, I am letting this house not selling it so can move over a few days rather than in a single day, and there's a garage in the new place! grin

NaturalBaby Tue 26-Mar-13 16:49:22

We I will not be packing everything up ourselves, am definitely getting packers in and may even get the unpacking done as well! I cannot cope with that at all, even though I am a total control freak and did it all last time (pre DC). I do not want to live among boxes but there is no usable loft or garage space for storage so not sure where stuff will go for storage.

jammybean Tue 26-Mar-13 17:15:45

Notyetthere I was following your other thread. Glad you've found something else that suits you better.

I think after looking for the right house for nearly a year. And falling for 2 other houses I've become somewhat detached from the whole process. It'll sink in on our first night at the new house, I'm sure.

jenbird Tue 26-Mar-13 18:22:25

Can I join as a latecomer too please. We should be having a very straight forward move - we are renting our house out and buying one that is empty, in no chain and wasn't even on the market (I phoned the owner on the off chance). However we have had to remortgage our current house which ended up being delayed due to a technical error and now our second mortgage has been delayed due to an error on the paperwork. Just found out today that one of the searches revealed a potential chancel liability so this will hold the process up even longer.
We have tenants moving in on the 7th and a decorator in on the 2nd. This should have given us plenty of time but as it is I think we will have to stay with in laws and have the prospect of moving our stuff twice.
To add to the stress EVERYTHING has gone wrong in the last 3 months; car, washing machine, Hoover, dryer all broken down, dog died, roof sprung a leak and now the seals have gone on 50% of our double glazing and cost to fix is £750. I have four dc's including a 2 year old and 16 week old. I am self employed and run a small business. I could just cry!

jenbird Tue 26-Mar-13 18:23:47

Just realised that was a hugely self indulgent post, sorry. natural I envy your packers!

kid Fri 29-Mar-13 19:57:28

We exchanged contracts yesterday.
Completion is in 5 days. That will mean that from having our offer accepted to completion date was 8 weeks and 1 day.

Jaynebxl Sat 30-Mar-13 09:48:45

Surveys done on our house and the one we are buying. Mortgages all sorted. Buyers' solicitor's queries about our house all answered. How come we still aren't exchanging?? We had our offer accepted Jan 4th, sold ours a week later and almost 3 months down the line are still waiting...

flow4 Sat 30-Mar-13 14:07:10

Sounds very frustrating Jayne, and suggests to me that someone is dragging their heels somewhere. Have you asked the EAs and your solicitor exactly that question too?

kid Sat 30-Mar-13 16:18:34

I got things moving by phoning my solicitor to ask what the hold up was. She then got on to the other solicitors and that's when the loose ends were chased up and contracts were exchanged. I spoke to my solicitor daily for almost a week before we finally exchanged contracts. It was worth the hassle though as it got me my completion date.

Jaynebxl Sat 30-Mar-13 19:15:12

Flow I think I need to ask some questions after the Easter holiday.

Thanks Kid, will give that a go.

kid Tue 02-Apr-13 23:52:04

Just read through the last few posts.
jenbird, you are more than entitled to cry after all that has gone on lately for you. Maybe you'll feel a bit better after a cry?

I'm getting my keys tomorrow, have to wait for the solicitors to phone to give the go ahead to collect the keys. I will still be packing over the weekend but will split my time between current home and new house (1hour drive away)

Good luck to everyone, hope your plans are all coming together nicely.

flow4 Wed 03-Apr-13 07:09:56

Any news, Jayne ?

Notyetthere Wed 03-Apr-13 08:28:52

Hi All, we made our full mortgage application yesterday. It took 3.5hrs bse the banks computer kept on crashing so we had to do it all over again a few times. Also their hard sell on home insurance, life and critical illness insurance took an age! Did you all get this hard sell? It felt like if we did not we might not get the mortgagehmm. we only took the life insurance which I still feel we might have got cheaper somewhere else.

Solicitors were instructed yesterday afternoon so now the waiting game starts again. From reading a few posts on here looks like we need to chase solicitors every couple of days. We would like to complete in 6 wks. Our vendor is moving into an empty house.

Jaynebxl Wed 03-Apr-13 09:27:44

Nothing yet Flow, we are on holiday til Friday but I will make contact then.

Notyet I think they have to go through all that but don't really expect anyone to buy it all.

Jaynebxl Wed 03-Apr-13 09:34:21

Jenduck are you still on track to be in by May bank holiday?

flow4 Wed 03-Apr-13 09:36:23

I'm using q broker. I umm-ed and ahh-ed about it, but I'm doing buy-to-let as well as a standard mortgage, and I liked him and found him clear and straight-forward, and in the end was persuaded he knew far more about it all than me and would save me time and stress and probably money. So far it's working: I got agreements in principal before I'd even met him, just from phone convos; and the residential mortgage was approved subject to survey within 20 mins, with him doing it all online. And no hard sell at all. smile

ninjanurse Thu 04-Apr-13 17:27:09

Updating after my last post a couple of weeks ago - mortagage survey has been done and is all sorted from that side of things. However, I chased our solicitor on Wdnesday and they havent sent off the searches yet as they have not had confirmation from the vendors solicitors yet!!! I chased this with the agents and apparently it has all been sent off today. It bloody better be as my lease on this rented place ends on 25th April and it looks like Im going to have to overstay my lease. Letting agent keeps ringing me to remind me to sign and return my 12 month contract (yeah right!) and I keep ignoring them! Once we have a bit more confirmation from solicitors we will acknowedge them that we will be staying here til completion! Nightmare! Only 2 of us in the chain - should be straightforward!

kid Fri 05-Apr-13 07:25:14

After our offer was accepted, we went to view our house a second time and I exchange email addresses with the vendor. I am so glad I did as when his solicitor was unable to give my solicitor any information, which was slowing the process down, I got in touch with the vendor and he chased his solicitors.
It also gave us the opportunity to ask him any questions about the house and to arrange any more viewings without having to go thorough the EA. We have started decorating the new house, I am blown away by it and still can't believe its mine!

Notyetthere Fri 05-Apr-13 08:20:59

Received a text from bank last night ( are they still working at that time or computers doing their nightly duties?) saying that a valuation has been booked for 16th April. Does this mean that the underwriters have finished their checks and that they will lend us the money 'subject to survey?

I'm also thinking of being present when the survey is being done in the hope that surveyor will say more than he will public in the report. It also gives me a chance to view the house and take note of where to put things. we offered after 1st viewing and we have not been back since.

flow4 Fri 05-Apr-13 08:33:05

Sounds like a good idea, Not. Might try that myself. smile

Goodwordguide Fri 05-Apr-13 09:05:40

Yay, we're in and it is fantastic! Loving the space and still feel like we managed to buy the nicest house we saw.

Moving day was pretty horrid though the removals were excellent (they're in SE London, called Les Hinks, I thought they were ace and a bargain if anyone wants a recommendation). A couple of 'surprises' about the house eg, one shower leaked straight jnto the kitchen, we still haven't quite worked out the hot water etc but I was expecting worse to be honest - at least the heating works, whichis good, given the snow outside!

Thanks for all the help on this thread and the property bpards and best of luck with all your moves! smile

flow4 Fri 05-Apr-13 10:15:18

How exciting Good! Hope it all goes well... Enjoy your new home! grin

monkeytennismum Fri 05-Apr-13 10:20:51

Goodwordguide congratulations on your move! Hope you're very happy in your new home. We're in SE London and preparing to move - is it Hinks Removals in Lee that you used? Always good to get a recommendation.

Goodwordguide Fri 05-Apr-13 15:29:30

Les Hinks in SE London - not sure exactly where but theynhave a website if you google.they were recommended to me and they were great and very cheap and also very calm when their van couldn't fit through the ates of our new home!

Hope your move goes well.

imonkey Mon 08-Apr-13 15:41:09

I'd also like to join as a latecomer.

Had our offer accepted on 12th Feb, mortgage offer went through quickly and smoothly, the valuation was booked within days but it threw up all sorts of things which needed checking out in more detail with experts.

So I'm up every night stressing about building regulations or lack of, and whether or not the house is likely to fall down if we go ahead and buy it. We can't seem to get straight answers from the 'experts' and are left utterly confused about the whole situation.

And to think our EA estimated our completion at 5th April- hahaha!

Please somebody reassure me that this level of stress is 'normal' for a house purchase.......

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