Buyer's support thread part 2(1000 Posts)
Starting a new thread for when we all spill over..
Been a while since I posted - sorry to hear all the tales of woe :-( Yes to petitioning parliament it IS a ridiculous system. The problem is when you're in a chain and things aren't working for you the only chance you've got to change things is to threaten to pull out and/or actually pull out. No wonder so many sales fall through....
That said our chain seems to be OK at the moment <clutches wood> the house we want to got to has been emptied and everyone seems OK with the date that's been suggested. I feel we are just waiting on our solicitor tying up loose ends with our seller's sol (end of chain) so we can all exchange.... sounds simple right? We are meant to be "completing" in 3 weeks time (that's what everyone has been working towards) so watch this space.
thanks 123, I can relate to you. Hope you have some progress by Friday.
We completed all forms and sent it to our solicitor - not contract, sorry. My solicitor predicts at least 2 more weeks for the vendors to get everything in place if they are happy with the queries ...and anything can happen in such a long chain. .... Hate waiting and feeling out of control...just praying for things to move. And hope the same for you!
Hefner, you are right...I want to wait but DH is losing all hope. Hope your exchange goes well !!
Thanks for the link MIL. Fingers crossed all.
Thanks for the new thread...shame we need it keep up the support everyone !
good luck everyone
we are packing at the moment at the same time as trying to keep things reasonably clean and tidy for prospective tenants for our current house. it's in our interest for new tenants to be arranged quickly as otherwise we are overlapping rent and mortgage (plus utility bills for both houses) until mid-january
although it's stressful, and i'm very anxious about being responsible for two houses for six weeks, it is nowhere near as worrying as when we weren't sure when/if we would exchange, so sympathies to everyone who's in limbo
My sellers solicitors are being really slow!!!
My solicitor sent them a list of queries over two weeks ago, they haven't passed them on to the sellers yet!! They will answer what they can this afternoon and pass the rest on to the sellers today. Am cross that I had to chase them up to get it done. Feel doubtful we will be in before Christmas now .
Read the last thread but never posted. I have my buyers coming round in a few mins, to measure up for curtains. They are ready to complete but there is one silly point on the house we ae buying that keeps going back and forth between our solicitors - so annoying!
Anyone have any experience of uplift covenants???
is that where any development that increases the value of the property entitles a previous seller to a %age of the increase? i don't have any experience but it sounds very complicated!
I've been been reading the last thread on and off and hoping that everything would go smoothly for us and I wouldn't have to join in...but here I am!
Our house has been under offer since July. We have now completed the chain (2 above us) and everybody is ready to go, except our buyers.
Why might you ask?
Well, unbeknownst to us there is a small problem with the title of the house. It was brought to the attention of our buyers back in September, but they didn't take any issue with it at the time. We foolishly assumed that they were happy with our proposed solution. <hollow laugh>
Now, it seems, that they are not.
For the past two weeks I have spent everyday on the phone with the estate agents and solicitors trying to find some solution to this problem. All we were hearing from the buyers was that they felt that this exposed them to a risk that they were unhappy with. They proposed no solutions and did nothing to further the transaction along.
On Monday we finally got the solicitors to agree a five figure retention to cover the risk and to motivate ourselves to resolve the situation. And still we hear nothing.
Today's series of phone calls reveal that they still have not committed to the purchase and against the advice of their solicitor want us to go to the council (who are involved with the title issue) and essentially ask "How long is a piece of string?" To which the only reasonable reply is we don't know. Oh, but if it does go through they want to move on (or before!) the 3rd of December.
I have been positive up until this point, but today I feel like the sale is going to fall apart.
Also, I have no wine.
Christ, that's long, sorry.
Oh that sounds horrible. I hope you find a solution soon.
May I join you? We are selling on the Kent/London border, signed with agent 10 days ago and had 2 viewings in the first few days, nothing since last weekend though.
I'm second guessing myself constantly, as I found it so hard to pick an agent, and a price to put the house on at, I think it may be too high but they seemed so convincing that it would sell...
Am bored already of keeping a permanently tidy house with a 3 and 6 year old!
argh. got 2 letters from our solicitor with updates.
buyer - happy to proceed, but doesn't have loan in place yet . We were told she was a cash buyer and inheriting her mums house which her sibling was buying her out of. She's had loads of time and its now 2 weeks til we move out. very stressed
seller - adding some conditions to our purchase. Basically payment in full and 'added costs' for every day after agreed move in date that money is outstanding. And to pay them legal fees etc if things fall through.
We have our mortgage approved, we just need our buyer really to get her ass in gear. . Apparently she's also pregnant and 'has a lot on'.
I'm sooo stresed. DH understands all this better than I do
should have added that buyer/seller are using the same solicitor and they are moving premises.
DH says he's going to phone our solicitor tomorrow and express his annoyance.
adding some conditions to our purchase. Basically payment in full and 'added costs' for every day after agreed move in date that money is outstanding. And to pay them legal fees etc if things fall through
Never heard of that - wow!
California how annoying your buyers only decide to do something about this now!
Norky don't despair, I think a lot of buyers are probably thining now "we'll wait for the new year" people have a lot on this time of year so house-hunting might go quiet. Good luck keeping the house tidy!
californiaburrito, what is the issue with the title of the house.
I'm asking because the house we are buying is fairly new (20 years) and the address on one official record is different to the actual address. I am really worried about this holding up the sale.
Can they really add those conditions? They are basically holding you to ransom knowing you have very little choice. Can you call their bluff and say you don't agree the conditions. They sound entirely unreasonable to me.
Hi, I know you're on the second thread but I hope I can still join?
Bloody difficult/frustrating house moving stuff going on and I'd love somewhere to vent!
adding some conditions to our purchase. Basically payment in full and 'added costs' for every day after agreed move in date that money is outstanding. And to pay them legal fees etc if things fall through
Bloody hell FCEK can they really add those conditions? Ive never heard of that, thats really concerning, its not your fault if it goes over proposed date. If they can add them I would be passing the fees onto your buyers in that case.
TeaAndCake vent away
Should be exchanging this morning, was meant to be yesterday but our sellers solicitor was caught on the `hop` and not ready, says he`ll be ready this morning. Fingers crossed. (I swear I dont think we`ll go through this again, way to stressful)
Fingers crossed for you Onestep.
Hello to everyone else.
Right (are you sitting comfortably?!)
DPs dad died in December last year and left no will so it was up to my DP, his 'full' sister (for the sake of confusion to be referred to as FS) and his half sister (HS) to split the estate between them.
As his HS is a half by their mum not dad (and she got half a house when their mum died plus whatever her dad and his second wife will leave her) they agreed she will get a 10% of the value of the house as a 'token' and DP and FS will get 45% each, no arguments between them and all agreed nicely.
Currently we rent a 2-bed flat with 2 DSs and so would like to buy the house as its more space/garden etc plus the sentimental value and that fact that its close to my DPs now only family (HS and the her children, so our kids can see their cousins more (FS lives in London))
As the house hasn't been touched (or even cleaned really) since their mum died (over 10 years ago) the house isnt looking its best so we have spent many days there ripping out the avocado bathroom suite, painting, cleaning, ripping up flooring (all on an extremely tight budget so doing it ourselves and scouring ebay/freecycle etc) and its starting to look a lot better although there is still a lot to be done - new patio doors as the old ones leak and are rusty/mouldy, new appliances etc
As we work in the charity/care sector, we earn
pittance! not a massive wage and as its classed as a re-mortgage not a first mortgage (as my DP owns 45% and we need the money to buy out his sisters and and for repairs) along with a default on my credit record (stupid mobile phone contact mistake I messed up when I was at university) its proving difficult to get someone to agree to offer us a mortgage but we've been looking and exploring different options, phoned lots of people and gone to meetings (we had DS2 in June so obviously that took some time up too) but FS gave us an ultimatum the start of this month in the solicitors office - if we didn't have a mortgage offer in place by the end of this month, she wanted the house on the market as she wants the money from it now.
So, we've engaged a mortgage broker and she has said there is a possibility Darlington building society would offer us a mortgage and we could start proceedings in January when I'm back at work (on maternity currently) so thing look like they might be happening
Just feel tired with it all to be honest, nearly a year of to-ing and fro-ing along with difficult negotiations with family and trying to do the damn place up, plus the emotional side of visiting and thinking about the rooms as 'DS1s room' etc and then thinking we still might not get it...
Sorry, this is an epic post!
Morning lovelies, and welcome newbies. I just want to say something to give you hope. We are in a chain of 3 and on Monday we are finally moving. It has taken 6 months and we have had the lot. Shitty solicitors, boundary issues, survey issues, statutory declarations, indemnity insurance, mortgage issues, water testing, land registry process, legal objections from neighbours, buyers threatening to pull out 3 times, failure to exchange, missed final deadlines. But we got to exchange eventually.
Don't lose hope!!
Yes that's what they are saying and it's making no sense. DH hasn't texted me yet so not sure what's happening.
We haven't signed missives etc yet but we do seem to be the only ones who are organised.
We`ve exchanged, finally and after so much stress. I agree BogStandard its just a waiting game the whole time, and it will happen (but not before turning your hair grey)
TeaAndCake, that sounds stressful, but it does sound like your DHs sis needs to just wait a little bit, no one would want to start hassling you just before Christmas!
FCEK, I think they are trying it on a bit and blowing hot air, bullyish behaviour from them anyway.
Good Luck everyone, this board has been great and so supportive, sometimes you just cant talk to anyone in RL as your so stressed, its been great to just be able to write everything down, knowing the people reading understand exactly where you are comming from.
Congrats OneStep! And I echo what you say about the support - it's been great.
We exchanged yesterday!!
Complete in 2 and a half weeks!
Phew. Massive relief but still can't quite believe it.
Congrats Oola! In for Christmas!
Jealous of all those completing! Called solicitor today, apparently we are just waiting on confirmation/non-confirmation of a tree preservation order from the local authority for our buyer's solicitor. Hopefully it will materialise soon or the local authority will agree it doesn't exist... feels like we are close anyway!
Now if we could just get an electrician who actually sends us a quote and can do the work we need the week before we complete we might have an almost normal Christmas!
I'm an imposter really as it is my DS and his girlfriend trying to buy. They saw a nice little house in Tooting, vendor desperate to sell as had a purchase in line, offered on it, rushed through mortgage, survey, etc then vendor said her purchase had fallen through. They have waited months for her to find somewhere else and she has now come back and said she can't find anything she likes in her price range so they are not yet sure if she plans to pull out or push them for more money. Meanwhile the market has gone up while they have waited
They saw a nice 2 bed apartment last week and asked the agent about it but sadly (for them anyway, not for the vendor!) it sold at above the asking price in 4 days
If anyone has anything to sell around Tooting let us know!
Is this for sellers as well? I've started my own thread, but would appreciate a place to come and rant as this has been one of the most stressful things I've ever done! Desperate to complete before Christmas but just don't see how it's going to be possible with the increasing demands from our buyers solicitors.
We are 5 1/2 months down the line and I will be just gutted if the whole thing falls through, we are bursting at the seams with 2 children in a small 2 bed flat and desperate to get into the lovely house we have found
well our lawyer didn't say much, just not to worry and everything will work out!!!
He seemed surprised that we are all sorted with our mortgage etc. We're just waiting for everyone else! DH reminded him its now only 2 weeks til exchange and we need things to be moving quicker!
Exchanged 7 hours ago. Now: very, very drunk
Massive congrats Kronen! How's the head?!
Me and Mr Bog are working through the moving day list today and then a big leaving party at our local tonight. I think there will be tears. We've been here 12 years, brought our DD up, got married, all the big things. Looking forward to the new adventure in Cornwall though!
Good luck to everyone, expect I'll post again from the other side..
Congratulations all who have exchanged, completed and are moving!
How often do sellers hear from their agents? Only when there is someone who wants to view? Or are they good at keeping in touch when nothing is happening?
Yeah, very sore head, but nothing could put a dampener on my mood today! We complete a week on Monday, and will move shortly thereafter, so definitely in well before Christmas.
Funny how these thing really do sit on a knife edge for what feels like eternity, then everything changes in a few minutes.
All the very best to those still going through the pain...I hope things work out as well you all as they have for us.
Now to go back to the fun of letting my kids pick out their new bedrooms
kronenborg Congrats! Am sooo J rt now!
I am still in wait and watch situation. EA cannot give the next exchange date yet, after last exchange date was missed and we almost pulled out. My seller is ready for exchange a well, but one group in the chain of 5, is messing with last minute queries on the house at the end of the chain. Apparently there is just 1 document left for clarification. Then why is it so difficult for EA to give an estimate of exchange date?
MILdesperandum, is it possible to visit house for quotation for electric work or other works before exchange? I assume it depends on the willingness of the seller as well?
Any suggestion on what can be done before exchange and during this waiting period? (trying to keep sane and focus on other things)
busbee yes we've been in twice with electricians
still no bloody quote and are hoping to get the work done between exchange and completion - we'll have to sign some solicitor agreed form. This is probably only realistic because we are buying a vacant property and the owner is very nice.
I'm despairing of actually having the electrics done before we move everyone is so buy
too busy even to quote. On the plus side the last electrician we took round the house was able to show us the lounge has a (probably original) parquet floor under the carpet!
Argh!!! We got our vendors to agree to our date. Now our buyers are saying if we want them to complete on 13th we need to pay them nearly £500 for costs incurred!!! Ergh, that will be a no !
Why is this so bloody difficult ?
123 aren't your buyers cash buyers? So doesn't that mean you are paying the rent they would have to pay anyway if you didn't complete then? Cheeky sods!
123rd what costs precisely? have they told you what they are?
Some rent, council tax etc Also they ordered their funds for their mortgage to be ready for the 29th. So their sol has mentioned that it has to be returned....sorry but we said we would like to complete on the 29-we hadn't exchanged or confirmed dates. Our sellers were no where bear ready to exchange Surely that's their sol fault for ordering the money and now having to return it. I have really have had it with the whole flipping lot today.
What a waste of our time tho if we wait til jan? Nearly two weeks off work sitting around here when we could be decorating / sorting stuff in the new house. It isn't the actual money that annoys me the most it is just the complete waste of time.
I had thought oh well sod it lets just enjoy Xmas here...but we won't. It will surrounded by boxes not being able to relax as we will be pursed to move on the 3rd. It's a complete joke
That's really crap 123rd council tax they would have to pay for whichever property they're in. Rent (I'm guessing they will have to pay an extra month) well if you don't complete/chain breaks they will be paying rent for a lot longer and losing the money they've paid out. And yes it's their problem that the funds were ordered too early - not yours!
Can I come on for a bit of hand-holding?
We saw a house loved a month or so ago, had an offer accepted. Spent a crazy month getting our place ready to sell, and have got two offers, including a cash one. BUT we now find out that the person the vendor is buying off hasn't had an offer accepted on a new place yet. The ea suggests that we delay our buyers, but all our efforts have been directed towards a quick sale. So, what would you all do? Do as the ea suggests, or sell and rent until things move at the vendors end?
In addition, we don't want to move if we get that house.
pfff we had a two-month rolling contract, so if the letting agents don't find new tenants we are responsible for the rental house until mid-january... not our seller's fault that we were too cautious to hand in notice before we'd exchanged contracts. we're also responsible for two lots of council tax and utilities for that time - it's part of the cost of moving and we have budgeted accordingly! (and we may be able to claim council tax back as it will be unoccupied)
daft that they ordered funds before final agreement on completion date
Hi Carla, has anyone asked the people at the top of the chain if they are anywhere near finding a new place ? I think most people realise that the whole chain has to be in place before things can move onward.
Thanks for the replies everyone. How far do we push? Such a horrible situation. I know we will lose about £2 grand if we do pull out but I think they should have been thinking about this too. They are only on a rolling 30 day rental. And sold their house to an investor -who they are now renting it back from!
Oh 123 thats awful, but its their solicitors at fault, they should never have ordered the money before the exchange, idiots. I think we would push and say we`re pulling out, but then Im bloody rash so maybe dont listen to me! Wil keep fingers crossed for you.
I'd be very tempted to call their bluff, why should you have to pay for their foolishness? - realistically what are their options otherwise? They've already sold/are having to rent so waiting or trying to find a new house won't help.
It would grate on me to think I had paid for things I shouldn't have to... but them I'm not in your position and I can see if there is a house/substantial amounts of money on the line you might just pay out....
Carla I don't think I could sell and move into rented whilst waiting for your dream house to be ready to progress... tricky one
I think we are going to sit it out. MyDh is saying that we are holding all the cards. We have the house that the buyers want....and the cash that our seller wants...( I also have a permanent headache ) so I guess we wait and see who gets in contact first
How are things with everyone else? Last week there were lots of talk of exchange and completion dates flying around. Any updates ?
No updates here, just under 2 weeks til we move. Sol still saying nothing to worry about, just no news really.
I have heard however that our nfh and their friends in our street and going to come out with noise makers, wine, bunting etc as soon as they see our removal vans. I'm very upset by this. they can't even leave us alone on the day we move out (we haven't told anyone when that is but they will be in the lookout for the vans )
Well fcek, make sure you do a lap of honour in the removal van up and down the street giving them the two finger salute!
fcek nfh are Not Your Problem
Hi, I'm trying not to drip feed on this, but have talked to our vendor this morning and got more information.
The person they're looking to buy from is moving to be in the catchment area for a specific secondary school (their child is 7) and have had offers rejected on two houses and no others have come up. They are not prepared to move into temporary accommodation.
We have two offers for our place, one of which is a cash offer which they are prepared to extend for 6 months.
I think we should accept it, hoping that more property will come up for the vendor's vendor in the new year. Also, other properties that we like might come up.
My dh thinks we are taking too great a risk. House values in the area are going through the roof there and he is worried that our vendor will up the price (though she has said she wouldn't).
We are going round in circles on this, and would be grateful for other's opinions.
If the only reason you are moving is for that specific house then I would stay put and see what happens. If you move out and rent for x amount of months the prices could rocket and you only have the amount that you settled on for your current place. Tough decision sorry
carla, I wouldnt rely on them to not up the price tbh. They might just be saying that in case they cant find another buyer, but if they did they might ditch you, and then you`ll probably lose your buyer.
My dh thinks we are taking too great a risk What does he see as a risk -didn't you say you would only move for this house no other? It's your buyers who would be taking the risk if the rest of the chain doesn't work... If they pull out you can get another buyer (possibly a better price too)
No exchange date here yet, BUT we had a call from the EA today (we were out all day) asking to ring her back... really hoping it's to discuss dates not bad news!! Would it be the EA who negotiates the dates?
Our vendor texted DH again last night asking again if we could give her the money for the items she is leaving for us (we said we'd take the dishwasher and a few wee bits). However DH keeps reminding her it's not our house yet. Getting a bit annoyed with both her and our buyer. DH is phoning our lawyer again today as we feel really under pressure and our buyer still doesn't seem to have their loan in place. We can't pack up etc until we know what's happening. So stressed.
Yippee. Buyer is all sorted with loan etc so everything is on track. We can start packing now. Just needed that definite answer.
Our contracts are ready to sign so hoping we might complete this week!! 123 any news?
Fab news MIL & fcek.
Nowt to report apart from the Woolwich sent the WRONG mortgage offer to our sol!!!! They sent the original one that said the drain work had to be done before funds would be agreed. I feel as if I'm going Behind everyone and making sure the stuff is done. Really fed up of not receiving phone calls back when they say they will etc etc ( exactly the same that everyone else has been through. It's just very difficult to see this all being resolved in 2 weeks)
Really chuffed for all of you who maybe in for Xmas. Good on ya!!
I can't find this on the app for some reason.
I see the usual woes for some people and success for others. I am near despair. We thought we were in a chain of 4 but then old lady at top decided to buy a flat so that complicated matters. This has dragged on since August. Everyone is signed and ready except the old woman who is dicking around, rearranging appointments with her solicitor etc. our completion date is supposed to happen next week but no one can confirm anything until we exchange. We are desperate. We need to book leave and removals etc. my buyers are FTBs and are nervous and threatening to pull out.
She was supposed to sign today but missed off one signature and the stupid solicitors didn't check so she has to go back tomorrow! Party ain't she actually does.
I honestly feel physically sick with this. Do I just have to hold my nerve or is there a tactic I can use? Threaten to pull out or something?
Not party ain't......praying she does.
So when she signs Lagoon is that it? Is that exchange for you?
Well the actual exchange will have to happen but that's the only thing left. I think. Though the EA casually dropped in that the solicitor for the flat she is now buying needs a push! FFS.
Oh god Lagoon, its relentless, fingers crossed for tomorrow that all gets signed!
Thanks. Am going out now and will have lots of wine......
Help! Sols are going to try and exchange tomorrow ( though old woman still no signed!). My deposit on the new place is wrapped up in the sale of the current house. Do I need the funds in place tomorrow? Will I have to get a loan? Everything on internet suggests the deposit funds have to go through on exchange!
The deposit comes from your buyers and is passed up he chain.
In reality if there is a short gap between the exchange and completion the buyers solicitors hold he deposit to order of the sellers so try not to worry about that!
Can I join in! I am chasing my exchange was hoping it would happen today but fingers crossed for tomorrow if my buyers solicitor gets it together!!
If we exchange tomorrow it will be 9 weeks since the sale and purchases were agreed with completion next Friday
Good luck for tomorrow Lagoon, and you sparkly. Dont worry about the deposit, its all on papers with Solicitors, it sorts itself out on completition day. Come on old woman, sign those papers, Lagoon needs time to settle before putting the christmas tree up!
Well thats it, removals coming tom, this is it! eeek
Thanks all and good luck tomorrow onestepcloser.
We have contracts! our solicitor is ready to exchange but would like confirmation from Nationwide that they are happy with what he's sent them so looks like exchange will be early next week. Completion set for 13th (Friday)!!
Good luck getting packed sparkly - have you started yet?!
Phew we completed today! Visited the house and now back at old house to finish up before moving tomorrow
Frustratingly seller has left the fridge. It is a good fridge (Bosch) in reasonable condition, but we have deliberately bought a new one that is being delivered tomorrow! It wasn't on the fixtures and fittings. She may have thought she was being helpful, but she's basically given us something else to sort out (sell/give to friends/free cycle)... I know we could probably chase her for costs, but given we've got to sort it out anyway it doesn't seem worth it
Anyway, it's only a small issue, and in the grand scheme of things - hurrah we have bought a house!!
Yes MIL probably 80% packed!! House full of boxes just the kitchen and living room to do and all stuff that can't really be done,
Good lick one step yay for moving day!
Fab news Onestep and willie. Well done you !
Mil, so close !! The next two weeks will go v quickly. Sparkly. Good luck to you
We have had a bitof good news-yay! Everyone in our chain has agreed to complete on 13th. ( & we didnt pay anyones rent !)But we haven't exchanged -yet! We are confident that it will happen middle of next week. Woolwich have confirmed that they have now sent the CORRECT mortgage offer to sol.
So Hopeful MIL we will be moving same day as you -Friday 13th. What could possible go wrong
80% packed?! now beginning to panic - about 20% here at best and 2 very busy weeks/weekends ahead?
MiL. Same. I didn't want to pack too much incase that tempted fate.
I haven't packed a thing and it's 7 days til moving Ooops
i'm afraid, with 4 young kids and a mountain of stuff, i just don't have the energy or time to pack these days - through gritted teeth i pay the removal people to do it, but on the plus side it does mean that i don't generally get my critical stuff together to take with me till the night before the move...
It would be wrong and bad of me to tell you about a friend of mine, who experience difficulities getting the required mortgage, took out a buy to let mortgage for the first 18 months, then switched to a normal mortgage in order to get past the first hurdles. she just "rented" the property herself. so I won't mention it.
I'm amazed at all these chains, it would be quite hard in this area to get an offer accepted if you are in a chain, deposits are fairly standard now, and certainly time penalties feature a lot.
123rd,have you found the Woolwich a bit slow? We are remortgaging with them inorderto buy a property and they are taking ages to give us our mortgage offer, it is causing all sorts of problems with our vendor ( there buildings cover runs out tomorrow) and making me very nervous.
Tbh Wiggle they've been fine up till now. With survey etc. it's just this last thing that went wrong. And we resolved it, sorted out the fax that had to be sent from surveyor and they sent out new offer yday.
Our buyers had a v long wait with their mortgage co but apparently when the co are doing good rates and deals the surveyors can't keep up with the demand to get round and do the surveys. National shortage apparently. .....
FFS. We were due to exchange today. The old bat who has been messing us all around, failed to return the paperwork required. She was due to go to sols to sign it in but guess what she posted it today. They won't get it until Monday. Leaves 5 days to completion. Fuck knows what my buyers will say when they hear the news. My Sol saying now worried we won't get the funds drawn down in time as not supposed to ask for them until exchange. Can they ask for them anyway?
We got the survey done very promptly, I don't think the market is anywhere near as busy up here at the moment. It the Woolich that are taking their time.
Our latest prob is that the vendors insurance is running out tomorrow, he wants us to take out insurance but we can't because we haven't concluded the missives yet, because the offer isn't in. he wanted us to conclude without the offer but that would have been mad, if the offer didn't come through he could take us to court for the money!
I have been trying to get quotes on insuring the property we are buying in preparation for concluding, it is proving difficult because it is a ground floor flat that will be empty while we get planning permission sorted. Computer is saying no a lot, just like when we applied for mortgages without having payslips!
Keep spelling Woolwich wrong, think its my subconscious revenge.
Jeez lagoon what the hell is she playing at? How can these other people not realise how they actions -or lack of- affect others. Sorry
Actually lagoon for what it's worth, I know someone who recently exchanged on the weds and completed on the mon so can be done in less time. I know sol seems to say they need a week between but they don't !
I'm haven't suffered enough to join this thread I think, but I'm going to sneak in for a bit of support hopefully anyway.
After much searching and flapping about, we've found a place we love. It's had loads of interest and is in a desirable area. It's also a bit of a project with damp and dated decor.
We're putting our offer in on Monday first thing. I feel ill already!
(I'm in Scotland btw)
Our house goes on the market next week too, please keep your fingers crossed for us!
Hi all, can I jump in.
I started reading the whole thread (from part 1) last night. Can't believe the nightmare stories
We put our house on the market in September and got two offers in October. We decided to go with FTBs.
They did their survey 2 weeks after offer excepted. EA said this indicated that they could move quickly. We found a property a week later and everything began moving quickly as our vendors had already moved into their new home.
All papers came from our solicitors quickly and we returned promptly.
All of a sudden things slowed down when our EA informed us last week that the purchasers valuation survey mentioned some issue with a tree (no tree on our property) and evidence of damp but did not say where.
Our Ea suggested that we do a D&T (Damp & Timber) report as the lender would not ok buyers mortgage without one.
We said we would not, unless they stated where the damp was found. Furthermore this was a cost we could not afford, due to the amount we have spent on a full structural survey on the new property, plus how much money we would have to spend on renovations in new house.
After a week of hearing nothing we informed our EA that we would not be messed around and had no problem putting our house back on the market.
On Tuesday EA called and said panic over as our buyers had a commercial mortgage and any issues with the survey have been resolved by way of purchasers putting up another property as collateral (sounds very strange for FTBs).
We are now in a position where our solicitors have gone as far as they can but are now waiting for issues to be raised by buyers solicitors and issues answered by vendors solicitors.
We really wanted to be in by Christmas as this will be a brand new start for the two children we are adopting and our DS.
The adoption process will hopefully complete in January if our solicitor
gets her finger out. We wanted to exchange on
Monday and complete by the 9th December, giving us enough time to have the children start at their new schools at the beginning go term.
We already have removals booked, so are a bit pissed that it seems that Solicitors on the other side have stopped communicating
Hi Mummax. You will probably just have to keep chasing and chasing. Welcome to the board btw.
We are due to exchange Monday but so many exchange days have come and gone that I just feel numb. It is dependent upon the old battle axe having signed the correct forms and them having arrived by post at sols. Also feeling panic as we haven't done ANY packing yet or informed banks, gas suppliers, Bt etc. Just felt we couldn't as waiting for exchange. I think today I will have to hope for the best and make a start on it I have boxes. Think there will be no system. Just chucking stuff in.
I cannot wait for this nightmare to be over.
Hi all I'm in need of some support... We've had offer accepted and our mortgage approved but holding off on valuation and survey as it looks like things may be falling apart.. Our vendor is keen to sell (and I believe she doesn't have a choice in the matter as she can't pay off her mortgage) but the place she wants to buy has come back as needing lots of work. Things have already gone exceptionally slowly as we've been waiting for her to sort out her purchase for a couple of months now (our offer was accepted in October!) and now there's a further delay as she scrambles around to find more cash or looks for another place... We're going to ask if she'll consider moving into rented if she can't sort it out soon. Does this sound reasonable??
Well you could ask but a lot depends on how quickly she would be able to sell if you pulled out. If buyers are queuing up for it then I guess there is no incentive for her. I wouldn't move into rented to suit my buyers unless I knew I had no chance of another buyer. Think about it.....she will have to move twice. I guess if she has no kids might not be such a big deal.
Also if you put in offer in October, that isn't that long in house move terms tbh. We accepted an offer in mid August and still not moved so these things do take time.
You can only ask the question I suppose and hope she agrees.
Thanks for the welcome Lagoonablue.
If I were you, I'd probably look to Tuesday for exchange even if the old battle axe posted her forms on Friday. I know how you feel about packing. Hate being in limbo
Don't stress to much Hairy, like lagoon says it is early days.
If your vendor needs to hang on to money, it's hardly lightly she'll want to spend money on rent just so you can keep her property. Remember if you pull out, property prices are still rising. She could find a new buyer.
Spoke to our vendors last night. They informed us that their solicitors had lost all their paper work. Hence the non reply to our sols enquiries.
They had to send it all again last week. Would you believe that their solicitor didn't even tell them paperwork was lost. They only found out because they rang to find out how things were proceeding.
Guess what......the frigging forms have not arrived. On to the next day. God.
Any good news for anyone here recently? I am still waiting for the exchange date after last one was missed 3 weeks ago.
Some progress today from EA of the oldie in the chain who is messing up for everyone. EA finally discussed completion date and wants 2 weeks between exchange and completion as the old lady is moving to a council flat or something- hence 2 weeks gap is mandatory. All of us in the chain want to move in before xmas, but EA is hinting that it will be impossible before Xmas and more likely to be Jan 1st week. ....Why cant people move afterXmas? like between 27-31Dec? Am I being unreasonable?
Oh Crickey lagoona. But then what have we learnt to expect? Sorry that its extra stress. Are you still going for 13th? We didn't expect to hear anything today as sol is on holiday. Back tomorrow. But we received our copy the right mortgage offer so fingers crossed it won't take her long to write up the final report and then we can go for exchange.
Does anyone know how it actually works? As all three sold are in different towns how do they physically exchange contracts? ( sorry probably a stupid question)
Re exchange. They read the contracts over the phone!
I am hoping to complete on Fri, that is the plan......
Busy I'm guessing a lot of offices actually close down the week between Xmas and new year so probably can't guarantee that everyone who needs to be involved will be available?
oh no, it means completion is probably going to be Jan ... when will this end!! So desperate now, just want the exchange done soon.
More exchange woe....
Signed our contracts on Friday; thought we might complete that day (we are last to sign in the chain) but no, fine. Expected to exchange today but no... not entirely sure why, our solicitor said something vague about only being in contact with either side of our chain not the beginning... Trying to not to panic as there's nothing we can do but annoyed because every day that delays exchange is a day we can't get the electrician in to do rewire and my dream of moving in with it all done in advance is looking more and more laughable.
Fingers crossed for some reports of exchanges tomorrow!
Spoke to Sol today. She said she now has a list of enquiries from our purchasers sol. She said we will send some of the enquiries which she cannot answer in the post. We will receive them tomorrow. Hopefully then exchange by the end of the week. Has anyone had this? Any idea what the enquiries could be about.
So glad that the vendors have said that we can use their address now to apply for schools. As we are adopting the local authority where the children come from will write a supporting letter. That's one less thing to stress about.
Mummax, all of our enquires were dealt with earlier on. We did have a few remaining up until last week that our vendor came back to our sol on. The enquires your buyers want could be anything..good luck
MIL, oh dear. I'm really not expecting our exchange to go thru easily. Judging by everyone else. It was you who wants to complete on 13 th wasn't it? Has yr sol said what date would be latest possible ( I know you want to so some work first tho)
No word on a latest date... everyone has said 12/13th Dec from practically day 1 so I don't think anyone will dispute it (everyone's been so keen, keener than us!) to complete for this date so hopefully it doesn't mean a delay to completion date... just annoying because I want to call the electrician before he takes on another job! TBH I don't mind at all if we exchange this week and complete after Christmas but I just need to know so I can arrange my life!
Mummax, we had queries on random things; "to the best of your knowledge was planning permission complied with when the house was built" "has there any been any issue with xxx" "why are you selling for less than you bought for"...
That's the thing isn't it??the in-between-limbo-land. Well I have cracked on with the packing this weekend. But there are so many things I'm not going to think about packing until we exchange to move on 13th.
Do you think these houses are going to be worth all this stress?
Everyone has said it will be worth it -by the summer you will have forgotten all the frustration. We shall see!
Hope so 123!
Apparently sale didn't go through because FTB in the chain didn't take their passport when they went to withdraw the deposit. As they have been
breathing down our necks waiting for weeks you'd think they might have got the money over a bit earlier than the actual exchange date .
Anyway should all happen today and as that's really been the only hiccup in the whole move I think our chain should really win some sort of award
Am I too late to join in???
We had a valuation done on our house with a view to moving next year but the estate agent said they had someone waiting for a house in our street. Thinking they all say that I called his bluff and after one viewing we got a great offer from a FTB. He's got his mortgage offer and it looks like we're ready to exchange on our sale.
We've also found our perfect house and hope to exchange end of next week but things are going slowly at that end. We're having a timber and damp survey done there today which we need the results of before the surveyor will finalise the valuation so we can get our offer.
We've also got a random issue (see here...www.mumsnet.com/Talk/property/1924623-House-buying-and-party-wall-confusion) but hope that's sorted soon as it's a non issue but a bit odd.
Fingers crossed for exchange a the end of next week. We've all agreed an early Jan completion date but would so love to know it's all sorted before Christmas and book in work that desperately needs doing before we can move in.
Sorry that's a bit epic. Good luck everyone who's exchanging and completing much sooner than us!
we completed yesterday, so i suppose i should now move from "buyers support thread" to "owners support"!
we had our electrician and plumbers in this morning to do full inspections/certifications, to service boilers & the like...already identified one major plumbing leak (which we were aware of, and which has now been rectified) and some more minor electrical issues.
the fun does necessarily stop with completion!
all the best to those aiming to exchange/complete this year!
Congrats Kronen. Happy days for you.
I received the list of enquiries today. There were 12 that our solicitors could not answer themselves but could have asked us by way of a email or phone call. Two of the questions the buyers could have answered for themselves and the other 10 were just time wasters.
I am really getting fed-up.
Moving all our furniture out this week.
We have exchanged!! Finally - only took 4 attempts/days! good luck to all others on here - there's still time before Christmas!
Congratulations to those who have exchanged and completed!
We were supposed to exchange last Friday for completion on 13 December but it's now Wednesday and we still haven't exchanged.
Feeling massively stressed and wondering if it is all going to fall apart or just fit into place!
Keep thinking I'll put up loads of Christmas decorations in the hope that it will tempt fate and I'll have to take them all down again to put up in the new house! Am I going mad?!
Been lurking as too depressed about the whole thing to post but I thought I would join the pre Christmas wait..
We have a chain of 3 - completion date has to be the 20th December or it's then Jan and DC2 is due in Feb. we want to move ASAP to get DD settled in new house / nursery before having a sibling come along.
We are waiting to exchange - responses to what we thought were final queries from our buyer went astray last week, we are waiting on building regs sign off for the house we are buying and our solicitor is so slow and only returns calls at 5pm or via email where he ignores any questions he doesn't want to respond to ie. are we going to exchange this week.
If we don't exchange by Friday we risk losing our removal company which are £1k cheaper than the next quote (long move round M25 on the Friday before Christmas with a track to the house so that everything will have to be ferried down the lane in a smaller van).
In summary aaaarrrrrggghhhhh....
And thanks mummax. Hope the queries don't hold you up.
I suspect we might have lots of queries when we get our solicitors report but we have to wait until we get our mortgage offer which is waiting on a timber and damp report. We'll get there eventually (I hope)
Would you believe two more queries received today. One I answered yesterday and the other is for a 12 year old Building Regulation certificate that was originally issued to the previous owners 12 years ago when we brought the house. It's going to cost us £95 to get a copy from the local authority. More money added to the cost of selling ths house.
Still not exchanged......supposed to complete on Friday. Am very stressed, surrounded by the crap of our lives. It will take an age to pack........am dreading it. Just want the move over.
Lagoonablue, what stopped the exchange today?
Well we have been waiting for the old woman to get her act together all week and today she did but the sol for the empty flat she is buying didn't have the contract ready! Wtf! It is one thing after another. Trying again today.
Realised today we don't have enough boxes so am having to chase them up tomorrow and finish packing. We have sooooo much stuff! I didn't realise.
Good luck to anyone else hoping to exchange today.
Hello, can I join?
We finally received a cheque last week, which cleared today giving us a 70% deposit for our first house.
Dh has an appointment next week for his agreement in principle and I have been registering all morning with the local estate agents, however we have not used a solicitor before and I was wondering if anyone had any recommendations for one in the Reading area?
If not, any advice on what we should be looking for in a good solicitor, anything we should steer clear of etc. would be very gratefully appreciated
We have been waiting for this cheque since July and houses have come and gone many times over on websites, seemingly ideal houses for us, in our budget, but since we became able to actually view houses and realistically express interest there have been no new properties put onto the market!
So we are trying to line our ducks up and get as prepared as possible so we can strike quickly when 'our house' pops up.
It s getting quite brutal in our area, houses being taken of the market the same say they go on! prices are rising and I feel quite edgy about being priced out in the new year.
This thread highlights all the complications that can and do arise, which tbh, I never considered before as we were renting for such a long time.
I am realising that waiting for the money to come was the easy bit
My poor husband has months of me pulling my hair out yet doesn't he!
We have signed and we hand over our keys tomorrow! I don't think we will actually move into our new place for another week as we are getting a painter in and new carpets. Lovely mum is putting us up for a bit
Congrats mordirig, I'm sure there'll be lots of lovely new houses coming on the market in the new year! In terms of solicitors, I can heartily recommend you DON'T use Premier Property Lawyers!
Congrats to FCEK too, great news and how lovely to not have to be living in the house while the painting is being done!
I think I have gone beyond the stressed stage and now feel strangely numb to the whole house moving business!
Hey everyone! Welcome to everyone new. We have exchanged!!!!! We move in Friday 13th ... Finally got there. It was pretty stressful.
How is everyone else getting on?
Congrats FCEK and 123rd!!
Damp surveyor went in on Tuesday at 9am and we're still waiting for the report despite being promised it yesterday, then first thing this morning. Surveyor needs it to sign off on his valuation and we can't get the mortgage offer until that's done. Looking unlikely that we'll get in in time for exchange at the end of next week.
Any news on exchange today Lagoon?
I concur do not use Premier Property Lawyers.
They are my sellers solicitors. They are holding things up on our purchase at the moment. I would however recommend Shoosmiths. They have been great and very quick. Everything is done by post and email. If they promise to send something the next day, they usually do.
Well we exchanged today too! Moving tomorrow. Gulp. Sooooo much still to do.
Congrats to everyone else who has made it. I am proof that despite all kinds of hurdles you can finally do it. I am wrecked though. It has been horribly stressful.
Congratulations Lagoon, 123rd and MIL! all round!
Mordirig, we used an online conveyencing solicitors (housenetwork solicitors), thats all they do so they are totally focused. We cannot fault them, they download every document to you so you get it instantly and our Solicitor went beyond the call of duty for us. Unfortunately high street solicitors tend to put the house selling and buying on back burners as it not a cash cow for them.
Lagoona. You do like to cut it close don't you?? Excellent news for you.
This thread has been so helpful with advice and other peoples thoughts. More importantly ...the perfect place to rage against it all. It is such a flipping roller coaster.
Hi everyone. Not been on for a while, but we have moved!!! Exchanged and completed on the 22nd. Loving our new home. Now to empty all the boxes! Good luck to all of you xx
Hi again, our mortgage offer from the Woolwich has finally come through. I read the terms and conditions and right at the end it says we have to pay off an existing credit agreement of £7,500 within 30 days of completion ( car loan)! Don't know what to do, every scrap of spare cash has been gathered up to pay the large deposit and fees/ stamp duty etc.
Anyone else had a clause like that?
Also, why oh why do these issues always arise on a Friday afternoon!
Hi Wiggly, can you query it with the Woolwich? See if they can amend it?
Looks like I'm finally exchanging next week. I really wanted to move before Christmas but the removals companies are all booked up!
Going to query it 123, we are freelance and need to have some cash savings at all times to cover gaps caused by late payment of invoices etc. it would not be wise to spend it all at once, in fact it would be more likely to make it difficult to make a mortgage payment than to help.
Been lurking, but getting closer to exchange. Just found out that main sewer runs right under our house, and that to demolish and rebuild the chimney needs neighbours consent... Final hurdle to get these sorted and hopefully exchange this week or next.
Congratulations to everyone who has exchanged. I've been following the thread, but haven't posted for a while as it's just too depressing! Having sold STC in Sept, and finally found somewhere to buy in Nov, our buyer then started demanding retrospective building regs, and instructed an additional survey. She has now announced that she will be dropping her offer, but hasn't decided how much by. We can't afford our next property if she drops her offer, plus the vendor has a FTB waiting in the wings , so I don't think they will be willing to wait while we get building regs for our buyer. It looks like we will have to start again in the spring, but I'm on a fixed term contract which is rapidly running out, so we might struggle to get a mortgage in a few months time. So fed up with it all.
Fed up here too! Exchange looking like Thursday (fingers crossed) for completion on the 29th December except the removal companies are now either booked or want to charge extortionate amounts of money.. To be fair it's round the m25 on the Friday before Christmas with transfer to a smaller van at the other side to get down the lane..
DH is questioning if we can complete after Christmas to save £2k but I desperately want to be in before Christmas to get DD into nursery at the beginning of term in Jan before new baby arrives in Feb..
What price for sanity?
That should say 20th dec!
Haven't been on for ages but we are on our third buyer which looks hopeful to exchange next week! it has been very stressful as we nearly lost out on the house we wanted but their buyers pulled out. Anyway never give up is my advice!
Congrats to MIL, 123, Lagoon....am still waiting for exchange ..so fed up!... have had 3 attempts of exchange. Today, one of the chain was unprepared- apparently their mortgage offer expired, so could not exchange. As usual, EA says it will be anyday now, but... It is our 5th wedding anniversary on wednesday - am praying for some gluck ...desperately want to exchange before Wed. ....uff!
I would worry to much Hefner about retrospective building regs. I got ours in 3 hours last week. However it was quick because it was original carried out back in 1983. It cost us £95 for a copy of the cert.
We are hoping to exchange on Friday and complete on the 20th. I however doubt it will happen.
We found out yesterday that our buyer's solicitors applied for searches late and still haven't raised any queries with our solicitor despite being instructed at end of October!
There's no chance now of a pre-Christmas exchange and no way we'll complete on the 13th Jan. Hope the people we're buying from won't mind the delay but hopefully it will only be a couple of weeks later.
Good luck busybee for your exchange.
Yesterday our EA informed us that our Solicitor and lender want our seller to get a retrospective building regs approval or take out indemnity insurance on a loft conversion, consevatory and the internal walls they removed without planning permission. The indemnity will cost them £238.00, but it will be a lot quicker and cheaper than getting retrospective building regs approval. Unless they can get a cash buyer, all lenders will require this. Hope they agree to it.
This might be another option for you Hefner.
Hi all. OK if I join in? We've sold - and had an offered accepted so we are underway.
I think this is going to be a long haul due to our sellers. But the house is perfect so I'm trying to keep the faith.
Hey everyone. Just want to say that we had the most simple chain which started back in early sept. cash buyers for ours we are moving to an unoccupied place. Got told it would take 6-8 weeks.....we have exchanged and are due to move this Friday so I just want to say that you should really add a good few weeks to what you have been told to expect-or want. Any we have had some V annoying hold ups but I guess that's apart of the fun
Stick with it people. It is bloody stressful. And I think I can say that I'm sure, come the summer i will have forgotten about all the hassle but I really don't think I could face moving again.
And on it goes..
Still trying to exchange, can't book movers for next Friday until exchanged, slowest solicitors in the world and about 2 hours on the phone every day pushing people along with the help of some quite frankly amazing estate agents.
If anyone says they don't earn their money our sellers estate agents (Hamptons in Newbury) have been amazing.
Oh and to echo 123rd, there are only 3 in our chain and we sold and offer accepted in August.
Fingers crossed for exchange on Friday as this is the most realistic and the last day that we will still be able to complete on the 20th.
Did I mention that I am heavily pregnant too?
Thanks mummax, but we've already tried offering indemnity insurance and the buyer turned it down. We are currently waiting to find out whether she will accept a structual surveyors report, as well as waiting to find out how much she is dropping her offer by, but she does not seem to have any sense of urgency and goes off the radar for weeks at a time, ignoring everyone's phone calls except when she wants something. Grr!
I'm also in a small chain - only three.
Our sellers conveyancers are incredible slow, it's so frustrating as we now can't move before Christmas. I have a removals vans pencilled for the 3rd Jan but can't book it formally until we exchange. On Monday we were told exchange would happen today at the latest....doesn't look likely!
Gluck 5am. .. no exchange today as well. This was our 5 or 6 attempt to exchange ..not even counting any more...this was coz one of the solicitors in the chain was out or some shit reason. We have 7 solicitors involved in this chain and no 1 is trying to coordinate this. ..we am strongly thinking of pulling out as the stress is too much..this will probably make make us the evil ones but i want my sanity back...
EXCHANGED!!..It was the 9th attempt for exchange which finally worked! Yeeayyy!! Such a relief...Massive thanks for showing sympathy and kind words when I ranted on and on in this forum ....completion 3rd Jan!
Lucky lucky you busy congratulations.
We were told at 11am this morning that we would exchange this afternoon for completion next Friday.
At 17.01 we were told no exchange as our buyers solicitors were still waiting for something from their lenders.
I am now pi**ed off.
Don't know when it will happen
Still not exchanged...completion supposed to be 1 week today. Going for exchange Monday with the mortgage funds pre ordered.
Very pedantic solicitor raising things at the last minute that she should have gone through with the searches. Buyer is sick of her but she is insisting that as she is also acting on behalf of the mortgage company it is irrelevant what he thinks.
Oh well it always felt weird potentially exchanging on Friday 13th..
Hang in there Mummax , 5am... my vendor solicitor lied about sending contract to our solicitor and EA twice!! such unprofessionalism .... We were even thinking of pulling out next week. We raised alarm with other EAs involved in the chain to put pressure on....and that worked!! ...It has been very stressful (grey hair and weight gain and all) ......All I can say is keep following up , ask reasons..to make sure that solicitor is not messing around with you....g'luck!
We have sorted out negotiations over chimney and drains, and agreed a retention. Solicitor has had to notify lender, so now waiting for their reply.
Our solicitor is so sick of us (demanding clients!) that he just wants it done now!
We are completing our sale next Friday, it has only taken four months!
Just me left then?
We still haven't exchanged, still waiting for one piece of information which was promised last Friday which will either be fine or we will buy an indemnity to cover..still hoping for completion this Friday..
We have to exchange tomorrow or completion is off for this year.
we are exchanging Friday and complete in January.
5AM..I used Hamptons a couple of years ago to sell my house and they were fantastic. It makes a massive difference if you have a great agent.
Me left as well 5am
Our buyers solicitors still can't get the ok from their lender.
Apparently they have decided to do more checks at this late stage.
We put up a few decorations a week ago. This evening I put all of the Xmas decorations up. In fact me and the kids went mad and decorated the whole house, flashing lights and all.
I'm hoping we can exchange sometime this week but I am now a little bit dubious about our buyers.
Still haven't exchanged.. Have all the information now though.. We have until 5pm..
Any luck 5amisnotmorning ? Doesn't look like I'm going to exchange today
Nope. We have given a hard deadline of 12pm tomorrow at which point DD and I have to be out of the door on the way to grandparents to have her out of the way for the packers.
If it doesn't happen by then, then it's new year.
We made an offer on Monday, so far they have dropped the price closer to our offer, and we may go up a bit but are reviewing the house again tomorrow. No chain for us or them and we are cash so fingers crossed we can agree and get this all done in just a few weeks.
Ooh good luck 5am! Everything is still on hold for us while our buyer decides how much she is reducing her offer by, but I'm keeping fingers crossed it will go ahead.
Nope. Buyer's solicitor is being an idiot after previously being ready to exchange last week. We'll be lucky to even exchange this week now.
Been put under massive guilt trip from sellers as we basically demanded the move prior to Christmas and they are moving into rented today to accommodate. Feel very bad for them but I have spent most of the past week on the phone and up until Friday that was chasing their outstanding issues. Have a feeling they are going to ask us to increase the offer to compensate which we can't afford to do.
Pregnant and due in Feb and this stress has really taken its toll in the past few days but I have been the one in the chain moving heaven and earth to try and get this done.
Oh that's rubbish 5am. Sellers have no right to guilt trip you if they haven't been doing their bit to move things along. You should guilt trip them back for stressing you out when you're pregnant!
Know exactly how you feel 5AM. I got into a strop with our buyers this morning, also after being told last Friday they were all ready to exchange.
I wish people would just be honest. If it doesn't happen by Friday don't know what to do as our DD is due to start at her knew school in January.
Thankfully our sellers have been great as they have already moved into their new house.
5am, I'm sorry to hear that. Don't feel guilty for events out of your.control.
At 4.45 I got a call from our ea to say our sellers solicitors finally have everything they need for exchange tomorrow and are we ready to complete on Friday! Obviously I can't organise our mortgage or a removals company for Frday, such a joke as the rest of us were ready three weeks ago.
What an interesting and scary thread! We're clueless FTB people, waiting around for "things to happen", hoping we're not supposed to be doing something very important no one's told us about right now...
We made our offer back in October, mortgage sorted, offer accepted, survey done (had an inevitable little panic over the results, but a talk through with a professional put our minds to rest) and local searches now done, as far as I understand - the solicitors keep drip feeding us bits of information about them. Nothing unexpected has cropped up so far. I guess now we're mainly waiting for the different solicitors to start sorting out contracts and times?
I'm assuming we won't actually get to move until February since our vendors have asked that we skip the end of January, if not finished by then. Twiddling my thumbs really, wondering if there's anything I'm supposed to be doing. We've got a couple of quotes from removal companies. I guess we better get a building insurance organised... Am I missing anything, so you think?
Good luck to everyone here still waiting!
Our offer was accepted. So I'm guessing now the waiting begins. I have to call and get the Conveyancing solicitor sorted and let them know who we are using. No chain and both us and the vendors are pushing for a fast completion. Holy cow I was shaking when I got the call, it's a hell of a lot of money to drop on a single thing, cash buy and we are FTB for in the UK. so have no clue what we are doing.
Can I join you all please?
I was on the last thread for a while, but everything went tits up and ground to a halt as we couldn't find a house. However our buyers have been wonderfully patient and last week we found our house and today our offer was accepted!
It's an ugly, tiny house, in nice area, with a wonderful garden.
We're planning 2 extensions and a big loft conversion, which we'd need to start work on straight away, as a lot of our stuff will have to go into storage due to lack of space.
Very excited and nervous!
Good luck SteeleyeStan, SquinkiesRule and Turnipinatutu!
I still haven't exchanged, was supposed to happen Wednesday last week at the latest! My solicitor believes it will happen today around lunchtime. I really thought it was going to be so easy as we are chain free either side, the fact it has been such hard work has really put me off the house - I just hope it feels worth it when we move in!
Pick your conveyancers wisely, my buyer and I have local ones who have been really good. Our seller is using a non local no sale no fee company as recommended by the estate agent, they have teams working on the cases which seem to have communication issues. Can't wait for it all to be over.
Any news 5am?
No exchange here and solicitors is now closed until January.
Trying to be philosophical that we can have a calmer Christmas and burying my head in the sand about January and count down to due date!
:D had our offer accepted this morning!!
Viewed on Saturday evening, the last viewers of 6, was everything we wanted bar an elevated garden, but everything else was ideal so we made an offer for asking price,, 3 offered lower than asking price and 2 others offered full asking price but are in a chain so they went with us!!
Its 15K under our budget as well so we have some extra to convert the storage room into a play room/study
and buy that American fridge ive been lusting after.
i thought it was too good to be true... first people to view offered at end of October, and we have been waiting to exchange. It is a shared ownership house so was always going to take longer, but they pulled out today. Aaaarrrggghhh!!!!!
no feedback as to why yet, but agent has put it back on rightmove.
we move out on tuesday so maybe it will be easy to sell when clean and empty.
Happy New Year .
We exchanged today. Completion next Friday .
Completed in September and I can see sale has been registered thanks to RM Land Registry records but I have yet to receive anything in the post.
Surely someone (solicitor?? land registry?? hmrc??) will send me something that proves I own this house because as of right now I have nothing on paper that says I own this house bar the congratulations card from the EA!
Am I being thick here or simply fretting for no reason?
Your fretting for no reason. At the Land Registery the Property title will be in your and your lenders names.
You only get the title if you own the property out right.
Your mortgage papers are the proof of your purchase and ownership for now.
Thanks for reply mummax. I do own the property out right so no mortgage papers in hand. How do I get the title?
My sister firsts had to buy the title registers showing ownership details online for £3
She later ordered official copies of the title register and title plan by post.
5am any news?
I exchanged on the 23rd and moved yesterday.
I feel exhausted but it was worth it!
No news here - solicitor's office is reopen but he forgot to mention he won't be back till Monday.
7 weeks on Tuesday till DC2 is due and starting to panic about getting DD settled into new area and nursery. We also have to move really in the next 2 weeks as hasidic abroad with work for a week the week after and I am not sure I won't have a nervous breakdown if it's not done by then!
Congrats to Orange and Mummax though!
Oh and 2.5 yr old DD has just dropped her lunchtime nap and I cancelled her nursery place in December otherwise would have had to pay January's fees. Arghhhhhhhh.
Hello, can I join you?
We've had an offer accepted; dh is meeting mortgage people this week to confirm his mortgage offer.
Luckily we don't have to sell our current house to proceed.
The survey's going to be interesting as it's grade 2 listed Georgian.
Congratulations mummax and orange.
Good luck 5am.
I'm back after trying
and failing to forget about it all for two weeks.
We've got all our paperwork, mortgage offers are in but and now only thing we're waiting for is our buyer's solicitors to get their act together and send queries (only 3 months after we accepted the offer). Hopefully, now that we're aware their solicitor is
crap slow we can hassle until things get done.
Hoping to exchange end of this week/beginning of next week and move at the end of Jan.
Good luck to all those who've had offers accepted.
Congratulations orange and mummax, and good luck 5am, can't believe how much stress you've had to deal with!
I'm cautiously optimistic that our sale might finally go ahead. We've agreed to drop the price slightly and paid for a structural surveyor to look at some aspects the buyer was worried about, so I'm hoping she will stop messing around now. We've booked a full survey on the house we're buying, fingers crossed it doesn't show anything too awful!
Hello fellow movers.
Brief update....accepted offer back in August from (very patient) cash buyers. Their survey done soon after.
Finally found somewhere and had offer accepted a week before Xmas.
Our survey carried out last Friday (no major problems) Nationwide valuation done on the Saturday.
All our forms from our solicitor completed and returned last Thursday.
It would appear to be a simple chain, just the 3 of us. Our cash buyers, us and our sellers, who are moving into an empty property.
Should be simple right?
What should we expect to happen next?
Well yes, I spoke too soon
After getting our survey done, instructing solicitors, and getting our mortgage offer through. Our sellers haven't even instructed a solicitor!
At first they said they were waiting for us to get survey results back....fair enough I suppose. Then they said they were waiting for the mortgage company survey to be approved...done that.
NOW they say they are waiting until we get our planning permission as they have told agents that we will pull out if we don't get it!
Although they know we will need to extend it, the house isn't be bought subject to planning and we don't intend to go to the expense of getting plans drawn up or submitting applications until AFTER exchange.
They are a retired couple and I think money is tight and they are nervous about losing money. But we are now at stale mates and we have hardly started! They are talking about some special clause they want the solicitor to include to protect them. The agents have no idea what they're on about....ahhhhh!
I think I need to join your thread, if I may.
Had an offer accepted on a house last October. I have had my surveys, searches and such stuff done. Have the mortgage arranged. Just need the sellers to respond to some queries and give an exchange/completion date. Zip, zilch, nothing. Will it ever happen? Will I get my lovely new house?
Are we the only ones left in buyers land. It's very quiet here!
Sounds like we're in a similar position, but your buyers sound at least a bit committed.
Our buyers have not yet spent a penny and we have forked out over £1000. I have a horrible feeling about this.....
I'm here, waiting for mortgage approval which is taking ages and involves some very detailed questions about our bank statements. (They're interested in regular payments in case they're minimum payments for debts we haven't told them about, so I've been asked about a regular payment of £5.61!)
I'm not anticipating problems with our sellers because the house we're buying is empty and they're looking for a quick sale, luckily.
Good luck, Hawkeye and Turnip. Turnip, your sellers sound ridiculous! Can you write them a letter which says 'Although ultimately we plan to extend the house, our purchase is not conditional on the granting of planning permission'?
I think the problem is that as buying and selling houses isn't something most people do often, many people have no idea of what's normal and they can get themselves wound up over ridiculous things.
Funnily enough we did exactly that last night. Just hope they see sense.
I can understand they are nervous of wasting money they haven't got. They are retired, living in a neglected house they can't manage and having to spend more than their house is worth to move to a bungalow with smaller, more manageable garden.
I just pray they're not getting cold feet, as we will then have spent money WE haven't got!
I can't believe they're going through your bank statements in such detail!
It made me laugh given there was a thread where someone was getting arsey about being asked about any transaction over £250!
I don't mind, I would happily sit down and talk through every single thing on my statement if they wanted me to, but it was a bit of a surprise given a few years ago people used to get massive mortgages by lying about their income and giving no evidence whatsoever.
Moved in on Friday.
What a nightmare. Our removal firm was terrible. They ruined the excitement of the day. Anyway we are in now and all the months of renovation work can commence. We must be gluttens for punishment .
Good luck to all of you still playing the waiting game and thanks for the support .
Sorry to hear about your movers. I hope they didn't trash anything precious?
How did the removal firm mess up?
Our note to the vendor appears to have done the trick....phew!
He still appears to be cautious, but is at last appointing his solicitor.
Fingers crossed we now see some action.
Now we just have to wait for the survey and hope the bank will still want to lend to us after that. I'm hopeful (the place seemed to have been very well looked after when we viewed it) but not taking anything for granted.
Congratulations mummax. What did the removal firm do?
Turnip that was odd and ridiculous of your vendor; glad they've seen sense.
Tunip congrats on the mortgage!
We're still sitting around with no idea about exchange date. Our own solicitor is apparently still chancing the vendor's solicitor over some minor point, which they're failing to clarify. The top link of our chain, which was supposed to be an uncomplicated cash buy, is moving at a snail's pace - they took ages even arranging a survey, and communication seems slow.
I'm getting a bit nervous now, since out current mortgage offer is only valid if we complete by mid-March...
^chasing ofc, not chancing...
Hello - can I join? We're FTB and had our offer accepted on Saturday. Mortgage is with the underwriters at Santander so nervously hoping this is okay! Vendor is now frantically looking for a property and also hoping that they get somewhere sooner rather than later.
Solicitor also appointed.
I can now see why this is stressful and we're only getting started!
Agents round yesterday to value our house. We've been cleaning and decluttering since Boxing Day (I got a steam cleaner for Xmas ) but now that needs to step up a gear <quails>
I am just feeling very, very lucky that we don't have to sell in order to proceed.
Good luck with the mortgage, Cantthink. Are you getting asked lots of impertinent questions about your bank statements or was it just us that had that?!
We've not had it yet but it was only submitted via the broker yesterday. I'm a bit nervous because DH used to be a bit crap with money before I organised him so there's a few late payments on his record, although they are a couple of years ago now. The broker did a credit check prior to submitting though so hopefully this will mean it looked good enough.
We've purposely not stretched ourselves financially though so hopefully we will be okay.
Glad that yours looks to be moving forward quickly Turnip. I hope you find a buyer soon - houses seem to be flying off the shelves round here.
Some very preliminary exchange dates being thrown around now for us. Luckily estate agent at least is still talking about February.
Congrats on the accepted offer and good luck cantthink
Tunip I didn't think we got asked anything particularly impertinent, but they did want some very detailed info on just how much we spend on everything; including eg. shoes how do you say how much you spend on shoes per month?! I buy a new pair like once in two years.
I should be cleaning and decluttering. All I've done is gone through our wardrobes and sorted them into "to be kept", "charity shop" and "eek, burn it!"
Glad you're getting reasonable exchange dates suggested, SteeleyeStan.
We've just been into the bank to sign the mortgage forms.
we've just had a request for our bank statements. I will await questions about our shoe budget!
Credit report was fine though apparently so we're approved subject to our bank statements not showing anything untoward and the property valuation.
can I join in? offer accepted two days ago
Good luck, DietstartsMonday.
We're struggling with decluttering our house to sell it. We have too much stuff, which is why we need to move.
If anyone has any brilliant ideas on how to make stuff magically shrink, do let me know! I've only just realised we can put two duvets on the spare bed.
Thing is, with 3 kids it's going to be a struggle just to keep the place CLEAN for viewings, let alone go around hiding clutter each time, so the only way to do it, I reckon, is to make sure the clutter is not just put away for each viewing but actually inaccessible so it can't creep out again, but I'm having trouble convincing the family of that.
have you got any spare spa e lije garage. If so I agree box it up out of reach
We're doing that a bit
The garage is a bit of a problem, though, because it's mostly full of a boat which we never use, so we've been putting stuff in the boat, and now we're trying to sell it so we need to take all the stuff out of the boat to get it ready and hope someone buys it.
Once the boat is gone it'll be fine and we'll have masses of space but I'm worried the boat's going to take longer to sell than the house!
Looks like we might be exchanging this week - finally legal issues look like they are sorted!
That's brilliant, 5am - any more news?
I am feeling slightly grumpy; having assured us their approved surveyors included some with RICS building conservation certification who were qualified to look at listed buildings, when the bank-approved-survey firm rang to take the payment and we probed a bit, it turned out they hadn't. After a bit of to-ing and fro-ing about whether they had or not they now say they haven't, so we have to pay for the mortgage company valuation AND a survey of our own.
Oh Tunip, very frustrating.
Fingers crossed 5am!
Nothing much happening here. We've had our survey done, mortgage offer in all documents & info returned to our solicitor.
Our buyers are champing at the bit and want to be in for the first week of March.
Our sellers only appointed their solicitor last Monday and have now gone on holiday for a week!
We feel like piggy in the middle.
That's infuriating, Turnip.
I've spent the morning on the phone quizzing surveyors about their listed building experience and now have one arranged for next week.
More to the point, I've had an email from the agent saying the seller would like to know if we'd like to keep the ducks.
Keep the ducks! Keep the ducks!
We have ducks, they're fab.
I'm keeping the ducks!
I already have chickens and apparently they can coexist happily. (Even if they couldn't, the garden is big enough for both.)
Now you'll need a llama to protect then foxes
Better do your llama research to take your mind off the survey scenario.
LOL at llamas - brilliant idea!
Should have exchanged today but no one can get hold of seller's solicitor! Mortgage funds have been ordered for completion next Wednesday though so hopefully tomorrow!
Just when you think it's all sorted (for the second time..)
Still here. 6 weeks later and we've finally got our survey booked. Hurray!
Our buyers have had their survey and are freaking out about minor picky stuff. Hopefully the builders they sent round today will give them reassuring news and we can start chucking dates around.
Argh. Was hoping for exchange next week. Sellers FINALLY got back with responses to queries. And there is something bad in one of the responses. Need to talk to my solicitors but I'm very concerned about the ramifications.
never realised how much info they wanted for a mortgage. feel like I've been laid bare. and told 3 weeks at least till offer.
seller not found a house to buy yet, but prob suits our timescales as they are down sizing so no mortgage
They've tightened up on mortgages, Dietstartsmonday - a few years ago it wouldn't have been this detailed.
You might not have to wait that long with the mortgage - in the end our offer came a few days before they said it would.
damn should have brought a few years ago!
oh well most paperwork in now so getting there
hawkey hope its not too serious
Oh dear hawkeye, hope it turns out ok.
Thanks diet and turnip. I don't want to give details on a public forum. I'm the only one who has picked up on the problem. But by pursuing it and getting advice it could escalate. One worst case scenario is the mortgage provider withdrawing their offer. But I can't ignore it because it leaves me exposed.
And sympathise re the amount of info required for the mortgage. In fact, the paperwork and detail for everything is pretty horrendous.
Off to see soliciter tomorrow and handing over 175 quid, mortgage in principle agreed huge appointment on Satuday with building society that will last at least two hours. I remember the old days when you just showed your payslip and they offered you 5xsalary. I now it all went wrong but two to three hours seems excessive.
Exchanged today! Completing on Friday! Aaaah!
We've exchanged! Completing next Wednesday with 4 weeks left until due date!
Taken 5 months with only 3 in the chain...
Congratulations, 5am and SweetCicely! Congratulations Preciousbane!
My survey is on Monday. Fingers crossed.
Congrats to all those exchanging!
5am - 5 months with 3 in the chain!!! Gulp
Tunip - Good luck with the survey, is there anything you're concerned about?
There's nothing serious that we noticed but with a big old house there's so much that could go wrong, and with it being listed it would be very expensive to fix.
TBH my anxiety is mainly around whether I've managed to get the right surveyor. I wanted someone with the RICS certification in historic building conservation but there's hardly anyone around here and it would have been several thousand pounds and we'd have had to wait till the middle of February for the report so I managed to find someone with a lot of experience in listed buildings but not that formal certificate and I'm just hoping he's good enough.
Congratulations to all those exchanging.
The response issue got sorted. But now everything has gone wrong with the solicitor - mortgage provider relationship. And the mortgage provider, having caused the problem, is now dragging its heels in finding a solution.
Oh no Hawkeye, how frustrating.
I hope they resolve it soon.
Hope the survey works out ok.
Hello I think I should join this thread now as our offer has been accepted!
We got a mortgage in principle (FTBers) for the amount we need about a month ago and we had an offer accepted on a house for £5k under that amount this week.
We have instructed solicitors, passed details on to the EA and vice versa.
We have a mortgage broker handling the application (with Halifax), we sent all pay slips, passports etc. last night via email and today we had money taken out of our accounts for the survey about an hour ago.
I've read some information online which says they only take money for the survey if your application passes the main stage before the valuation.
Does anyone know if this is true?
Surely we wouldn't have passed the mortgage application stage in a day?
I have no idea how the whole process works from here.
Hope everything is going smoothly as possible for everyone?
I would be surprised if they took the money if you hadn't passed - it worked a bit differently for us because once we'd signed up for the mortgage they contacted the valuer, who phoned us to pay for the survey, rather than taking it directly from our account.
It's also not impossible they approved your mortgage fast - a MNer I know who got through very quickly said it's quicker with a broker. Also, we were moaning about how long it took, but we are with the bank that apparently is the slowest.
Fingers crossed for you that that's the case, anyway!
We've just signed the contracts on our sale in preparation for exchange.
Sellers back from hols on Tuesday and will hopefully start work on their documents......we are caught between a tortoise and a hare!
Can I join? Have just instructed solicitors (lawyers? Is there a difference?) and am waiting final approval from mortgage company.
Does anyone know of someone who has had a mortgage approved in principle and then been rejected (not on survey results)? I am in full blown panicky mode now that our dram house is so near!
Ours offered us less money in the end than they said they would in principle and I'm afraid I do know someone who was rejected in the end, but on the bright side, she found another one very quickly, just not quite such a good deal.
We have a new complication: having been told we wouldn't need planning permission for change of use, it looks like we might.
The house we're buying is a former care home, but it didn't really consider itself a care home, because it was part of a trust which ran things in a very holistic, community-based way, so they thought we wouldn't need change of use, but it looks like they actually had too many people living there so technically it may have been an institution even though that wasn't what they felt they were doing.
I have looked at the planning permission form and I can do it no probs, but it will cost £335 and take a minimum of 8 weeks, so it will slow things down.
DH has got all panicky and worried they might say no. But honestly, I really can't see it.
moreis same here worried even though my broker says it will be fine! have just forked out for searches and keep thinking what a waste if we get turned down
My broker says all will be fine, I'd shown him my credit report and bank statements when applying but I still can't stop worrying. I'm asking for a lot less than what my mortgage in principle says I could have. It's just so close and there just seems to be a million things that can go wrong. Argh!
we are looking at 15k less than the original aip we had and have a large deposit. but you just can't help worrying
Hello! We are FTBs, relocating out of London to Bedfordshire. Offer accepted week before Christmas, mortgage approved, survey slightly delayed (bank cock up, ordered three, one which was conflict of interest, argh) but fine, most searches back but waiting on LA search. Solicitor is not returning calls now. Due to have baby in 6 weeks by elcs so got to get going! We are eating currently, nothing to sell, notice given. No chain on other side as it is with a developer after previous owner part exchanged it for one of their new builds. Have a clause for 28 day draft contracts to exchange or sale will fall through so getting very anxious now..
Hi Fixit, I'd keep badgering your solicitor if I were you. Apart from the LA search, is there anything else you're waiting on? Sounds like it should be straightforward.....
Our buyers solicitor is turning into a pain in the arse. Keeps asking stupid questions that she should know the answers to. So I'm having to google the questions myself to prove my answers are correct!
The daft thing is, she has our buyer phoning us directly to ask us the questions, most of which are answered by the paperwork that is currently with our solicitor! Ahhhh!
How annoying, Turnip!
This morning we had the photographer round to do pics of our house and today the survey is happening for the one we're buying. Tomorrow we're going for another look at it. Am a bit excited.
Diet/Moreis - it will all be fine - try not to worry!
I think we're in the same position as you.
Viewed house 11/01/13
Mortgage in principle via mortgage broker 17/01/13
2nd viewing on house house - 18/01/13
Offered/negotiated & got for £5k cheaper 18-21/01/13
Instructed solicitor 22/01/13
Full mortgage app submitted via broker 24/01/13
Survey booked via broker/survey fee paid 24/01/13
Now is the worrying time. We have to wait for the mortgage agreement. Broker says there should be no problem and is 'confident', we have a good deposit but I'm terrified they'll say no or that the survey comes back with a big red cross. Our broker suggested on Friday we will have an answer back from Halifax within 5-7 working days and now I can't stop wringing my hands.
How on earth do you distract yourself at times like these? I've read every book in the house, decluttered the airing cupboard, watched every DVD and run the children ragged in the park.
Valuation survey is booked for Thursday (we are paying for a secondary full survey also but that won't be until Monday), any idea how long it takes them to report their findings to the lender and if we also get to see said findings?
I take it this means we won't hear if we're approved for a mortgage until the lender sees the valuation too?
Need one of these but the baby I'm cooking might not be too delighted by that.
You do get to see the findings of the survey, because although they're getting information for the lender, they're working on your behalf. That's how it works in our case, anyway - I checked. We got a 'thank you very much, you're approved for the mortgage, please sign here' before the valuation took place but obviously it is subject to the valuation not falling below the amount they're lending you.
I think surveyors normally get the reports out within a few days.
I asked our lender how common it was for the sale to be derailed by the valuation coming in too low, and she said it's pretty rare and only happens when you don't have a large deposit. The bank just needs to know that their investment is safe.
I hope my surveyor has had a nice day poking around the house we're buying.... I'm trying not to be too anxious about it.
Thanks Tunip that's really useful information. I hope we hear back before the survey comes back. I want to know one way or another. I know other things can fall through after you have the finance in place but I'll feel like we're on the home run once we hear back.
Fingers crossed for a good survey your end. What kind of place is you're buying?
Gah it's so nerve wracking. My broker is probably peeved with me because it must seem that I suddenly don't trust his professional judgement!
We have asked for a full survey but am pleased to hear they'll just crack on and approve me first. I've just had a letter from the estate agent confirming their acceptance of my offer. The feminist in me is rankled though as it's addressed to my DH, even though the offer was done by me and the mortgage is in my name only!
Tunip/ Turnip - been catching up and you give great advice!
So we've got the searches all done now, BUT the part exchange thing has now thrown up an issue - apparently our lender may be concerned that it has not been with the vendor (the property developer) for a minimum of 6 months and so might refuse to lend to us as a result - argh! Does anyone have experience of that happening?
If the lender are okay with it we should have draft contracts by the end of the week, exchange next week, complete week after. Does this sound about right?
I'm desperate to get in before this baby arrives!
Oh good luck Fixit. Sounds about right. Fingers crossed you're nearly there!
Ohhifruit, you should hear within a few days, it doesn't take long.
Tunip, any news from the surveyor?
Hello, may I join in?
We are 3 weeks into the house buying business and already I'm getting jittery.
Saw the house 3 weeks ago, offered on the Monday. Offer accepted on the Wednesday, saw the bank and solicitor on the Friday..... And now nothing.
I'm feeling a little deflated, which is daft I know. Just that the first week was all busy and exciting, but now 2 week more have gone by and neither our bank not solicitor have even spoken to us.
We thought that the bank was going to get the survey done last week, but it doesn't seem as if they have. We want to get our own survey afterwards but can't instruct anyone yet. DH wants to get up there to measure up etc and I'm forgetting the layout already.
Ho hum. Never done this before and thought there would be more contact.
(I'm being ridiculous, buying Aga books and saving carpet samples and fabrics etc. House isn't even mine yet!)
The list of included fixtures and fittings arrived yesterday and it had a few glaring mistakes. Hot footed to solicitor and she is contacting vendors solicitor and agent.
I scared myself reading how fixtures fighting can cause sale breakdowns and then horror stories of people arriving and things like sinks have been removed.
I had a dreadful nightmare last night that the house we are buying had a huge party in the day before and also a wedding. Someone I knew from my old workplace who was a huge party animal arrived with a wheelbarrow of beer and it was obvious the house would be wrecked and the vendors bride was wearing a huge diamond ring . I was weeping in the dream that ring was brought with my money, DH went in to try and calm it down and stop party and the vendor held him at gunpoint. No I'm not stressed at all with house buying!
Precious! I bet you were glad to wake up
LtEve oh please don't buy an Aga. My parents had one and we have one now and it chews through gas. (Or oil or electricity). It's beautiful but so incredibly inefficient. Our gas bill is over £200 just for that bloody thing.
I love the it's always on aspect and it makes the kitchen toasty warm but it's just not worth it <prepares to be bashed over the head by aga lovers>
Survey paid for - eek! How long does it take usually?
The Aga is already there Moreisnogedag . I had another thread panicking about it before we offered on the house. I'm looking into getting AIMS fitted and will be giving it 6 months for me to get used to it or have it taken out.
It looks soooo pretty....
The house we're buying has an Aga. I love them but can't justify the running cost. I looked at AIMS but according to the official Aga info they save 20% of the cost, which doesn't sound like a very good deal for something that costs £1000 to install. My parents save more than that by just turning their Aga down manually, so I think our current plan is to only use it in the depths of winter and do that.
We went for another look at the house today and are feeling good about it. The vendor seems to be taking the initiative on sorting out the planning permission issue.
Ohhifruit - it's an oversized, listed, Georgian townhouse which has been used as a care home, hence it's a bit of a project. If you are interested I'll PM you the link and you can point and laugh and go 'OMG are you serious? Rather you than me!'
What about you?
Ooh ohhifruit just seen your list of dates, it is startlingly similar to us. We are with Nationwide and they have sent us a text all systems go and their valuer is going along on 3 February. There is a tenant in the house we are buying that has given notice so we are very lucky as not in a chain.
Just need to book a surveyor, Nationwide offered us a brilliant deal but it was with countrywide who I have heard real horror stories about so going to try and book the surveyor who did our last one and who picked up a bad drain problem or one our solicitor has recommended.
Just had a nap after my bad nights sleep due to dreams of gun waving vendor.
we have mortgage valuation survey happening tomorrow. is that a good sign?
also having independent survey next week
Had a text today to say our survey was happening on Friday, so hopefully things are happening again
Sorry about that . I have a beautiful red one. I rented this place purely because it had one compared to an identical place that did not. I'd suggest giving regular meter readings to your gas supplier - even though I told them we a gas fired aga they still underestimated our usage to the tune of £400 a quarter. It was a bit of a surprise.
Our sellers are back from their hols today, so hopefully they will get all the info back to their solicitor by the end of the week and next week we can finally see some progress!
I've just looked up our dates...
Offered accepted 19th Dec
Mortgage arranged 31st Dec
Survey 3rd Jan
Formal mortgage offer received 8th Jan
Contracts signed on our sale 25th Jan
We aren't able to move the last 3 weeks of March, so now really hoping our sellers get a move on and we can aim for the week beginning 7th April. Our poor buyers are so frustrated!
Turnip April? is that a normal timescale?
Our solicitor advised that it would usually take 6wks from the time she receives the contracts to completion if there are no problems.
So in theory, if our buyers stop stalling, we could be ready by mid March.
* Our sellers, not buyers!
Does anyone know when the board on a house up for sale would go from for sale to sold stc?
Round here they usually go to Sale Agreed once an offer's accepted then Sold after exchange.
I don't know about the actual physical bird but our sellers as on right move/zoopla changed within 24 hrs I think. (I admit I've been back a few times to check).
They can be incredibly slow with for sale boards, like literally leaving them up for weeks and weeks after the new people have moved in. Or maybe that's just round here.
The house we are buying went up with sale agreed the day after our offer - seems the EA is very keen to advertise that!
We are on tenterhooks at the moment - our property was part exchanged for a new build by the previous owner and so our vendor is the property developer (Bovis). Our solicitor finally got in touch to say that as the developer has only had it in their possession for 3-4 months the underwriters need to be informed. And of course, the underwriter, in theory, could refuse the mortgage as a result! Argh!
Has anyone ever heard of this? Surely developers wouldn't offer this part exchange deal on new builds if they weren't able to get rid of the houses involved for at least 6 months?!
ours says SSTC and did a day after offer
Right now on rightmove as sold stc! I was thinking of ringing estate agent. I know the mortgage surveyor was contacting them today so they now know we have mortgage plus we are negotiating on whats included in sale so reckon they were waiting.
Hi can I join in?
We are renting out our house and buying another. We offered on a house and they accepted, mortgage in principle agreed for both rental and purchase.
Waiting for official papers from the mortgage co re rental but everything looks good, just scared stupidly that the seller is suddenly going to drop out ! argh its so stressful!!
what type of survey is eveyone having?
sparkles our seller hasn't found anywhere yet. causing me sleepless nights
We were going to have a full survey, just pulled out documents on last survey on current house and realise it is actually a homebuyers report. Have tried calling them but number not recognised. Have found someone online with same name so hoping its them so we can book again as they did find a problem with house were in and it saved us 1.5k.
Friend had a homebuyers but she has a cellar and has loads of problems now but have no idea if a full one would have picked this up. I'm a bit undecided now.
the advice is conflicting. some say if house over 30 years old go for full survey.
I think we are leaning towards full and its only an extra 150 quid so maybe worth it
I'm having full, but then I'd be mad not to with an old house.
House we are buying is Edwardian so well over 30, feeling swayed.
think mone is 50/60 years old. am hoing with a full I think
I would definitely have a full for an Edwardian house.
As far as I'm concerned it's not just about knowing what you're getting into and making sure you really want to do it, it's also to give you some initial guidance on the works that will need doing once you're there. If (like me) you don't know an awful lot you can learn a lot from it.
We are having a full one. The house is a mishmash of various (old) extensions and I just want the piece of mind.
We are having 2!
The bank is doing the basic one and then we are commissioning our own full one.
It actually worked out cheaper for us to do this than to go with a full one from the bank.
LtE we are having two as well. yhe banks basic one was being done today
anyone else got a seller that has no where to go yet? its making nervous they might just pull out
There is a tenant in the house we are buying who is moving out a couple of weeks before exchange.
Our solicitor says we must view again after he has vacated. We are not in a chain at all and I realise how lucky we are as last time we were.
fingers crossed your tenant leaves then. but yeah agree view after but before exchange to make sure.
our sellers are moving area? and seemed to not agree where they were going. apparently going to see some this wknd so hoping they find one!
Hi all, any news?
Haven't got my survey back yet and am trying not to panic about this - when I googled some people said it took a week and a half, so it's not ridiculously long yet, and since it's a big place it will have taken him a long time to do it and write it up.
(It's just last time I bought a house I'm sure it came back within a couple of days, so I assumed that was the norm.)
Turnip ours is a 2 bed cottage and took 5 days so yes, can take a while. We called the surveyor to ask what the major concerns were so we had an idea of what to expect in advance of receiving the report, could you do the same perhaps of you are anxious?
Mour mortgage is fine and draft contracts are being drawn up. Hoping to exchange next week now, and all being well, complete the week after! Yippee!
Not Turnip, tunip! Darn autocorrect
Surveyor still working that did the survey on our current house and for a full survey is 585 inc VAT which I thought was ok. Have sent off a quote request for removals to four firms.
Our house goes straight on market after we have moved out, do you think we should leave totally empty or leave in a sofa, table and a bed in each room. We can do this temporarily and are buying a new sofa anyway.
Turnip will be booking date for surveyor but I asked and he said roughly five working days till report. I'm in a bit of the country that is quite slow house sale wise, not the SE thank God. I feel for anyone trying to buy down there.
we have a full survey booked for mon for Â£500. he said report within 24 hours
Fixit - excellent idea to ring up and ask what issues have come up. I might well do that first thing on Mon.
Preciousbane - ah, I hadn't thought of that aspect but it does stand to reason that there's going to be more pressure on surveyors to move things fast in parts of the country where the market moves quickly. We're in a slow place too and it is very slow - if a house sells in 6 months you feel they've done pretty well.
I'm having a panic moment, convinced that this all won't go through and we'll have wasted our money on survey and searches and will never get a mortgage offer as good, and never find a house we like and afford again...
Our solicitor is still after a couple months chasing a response for one of their enquiries. I've tried poking EA and the vendor to chase their solicitor, but no idea if they're doing this. Up the chain things are moving very slowly, and I don't know why.
Our current mortgage offer is valid till mid-March. I think we'd need to complete by then or apply for a new one?! It's starting look less and less likely that we'll get there in time, which is ridiculous, as it'd mean we'd still not have moved 6 months from having our offer accepted.
I really don't know if all this is just normal, or we're being screwed somehow. I've asked our mortgage advisor for some advice and I guess otherwise all we can do is wait and hope and occasionally bother the EA...?
Obviously I've also lost my ability to write again...
Steeley, I think nag nag nag is the way to go. Your EA and solicitor. just keep on at them.
We are early on but can feel the process dragging already.
The system really needs a shake up. Surely in this day and age the searches etc could all be done online, and everyone can correspond on line.
My solicitor keeps sending me letters to tell me nothing i.e. we have received your cheque for searches. I know that I dropped it in to you, so why bother. if you must confirm email me.!!!
I agree - don't be diffident about chasing the EA. After all, it's in their interests if it goes through and they get their percentage.
Re the mortgage offer, as I understand it the questioning has become more detailed lately but I don't think it's HARDER to get a mortgage than it was a few months ago, so try not to panic about that. If they don't renew your offer I'm sure you will get another one. You never know, you might get it through in time, or you might persuade them to extend it, or you might even manage to find a better offer than the last one. Will keep fingers crossed for you.
How long has this been going on Steeleye?
I'm popping in to solicitors as a week since my queries on list of stuff included on sale.
I can also see the tenant has not moved out yet and he was supposed to at the end of January. So will ask EA if change in notice period.
Thanks all. We had agreed to wait till February because of our vendor having a baby, but it's February now!
Precious our searches were finished and the enquiries raised a few weeks before Christmas. Everything else has gone fine, just this one last enquiry not getting sorted (and our solicitor firmly blames it on the vendors' solicitor not providing the paper work they've asked for).
I hope your situation with the tenant gets sorted soon.
Our advisor actually said today that it might be possible to extend the period of the mortgage offer in some circumstances. I really hope we wouldn't need to apply for a different one - not so much out of fear of not getting one, but out of fear of needing new valuation surveys or not getting as good a rate, and just generally delaying things more and everything costing more.
I've chased up the survey and they're meant to be emailing it to me tomorrow.
First viewing of our house on Thursday. I'm very pleased with the agent and the photographer they used - they've done a lovely job on the brochure.
Steeleye - yeah, it would be beyond irritating if you had to fork out for another valuation survey! Let's hope you can extend it.
Steel eye is there any possibility you could recover the money for the valuation from the side that are dilly dallying if that's what ends up happening? Prob not I know (and would hit them with a new baby) but it's far from fair that their situation means further expenditure for you. Bloody system! Hope all works out ASAP.
I'm another one about to murder a solicitor. Why do they still insist on writing to each other instead of using email? My solicitor is still waiting for a letter from the other solicitor. And it is just an unnecessary delay. And why doesn't my solicitor get off its backside and chase up the letter or get the info another way instead of twiddling its thumbs.
I feel your pain steeleye and diet.
exactly. I don't understand why this process hasn't come into this century lol
I'm supposed to be exchanging this week (it was supposed to be last week, but my mortgage provider has caused trouble and introduced another solicitor into the mix). I am just so fed up. I just want this sorted so I can move.
Hawk eye, I feel your pain, we are hoping to exchange this week too. Was supposed to have draft contracts sorted today but all the sols seem to be happy to let this drag on, and on, and on...
I'm going to end up having a hormonal flip out in their offices soon, that or delivering this baby in their reception!
Well nipped in to solicitors, they verbally agreed all fixtures etc on phone with vendors solicitor but awaiting letter obviously. Mortgage valuer has said ok, Nationwide sent us a text each and formal mortgage offer letter is in post and one to solicitors, Nationwide have been very good and very quick!
I also knocked on the next door neighbours next to the new house, already met the other side. They seemed really nice, I have met three immediate neighbours. I read online somewhere to do this and I'm glad I did. Just asking about neighbourhood and also scoping them out a bit. The one two doors down knew everything about the street and have already been invited round for cups of tea once we move in by all.
Go for it TheFantasticFixit. Use whatever leverage you've got (with that in mind, perhaps I should camp out at my solicitors with a grizzly baby and ramping pre-schooler).
I wonder if writing to each other is because everything has to be signed? You can have electronic signatures though. If any solicitors read this can they confirm, deny or explain why.
Fixit maybe your solicitors will be like M&S and you could get something for free if you gave birth in their reception.
I wondered the same precious. But the current missing letter is just asking solicitor A to send some info to solicitor B.
And it is fixed price so they don't get extra money for dragging it out.
Awaits enlightenment from any solicitors reading this thread....
I know solicitors can email each other with scanned documents, that's what has been happening with ours.
However it doesn't seem any quicker! We were supposed to complete before Christmas, then mid Jan, then lasy week yet still we haven't. It's driving me mad.
Our buyer has used the estate agents solicitor and they seem in no hurry to do anything at all!
Never ever moving again after this time
Still nothing happening here either. Although I suspect that's down to our vendor.
I'm badgering the EA tomorrow and concentrating on decluttering in the hope we may be one day packing.
We got out valuation survey yesterday - and it's wrong. Has the house down as a 4 bed when it's a 3 bed.
Funnily enough, Zoopla has it down as a 4 bed too. Seems to me like the surveyor didn't even to there, just googled the address. Not bad for £350 huh? Wish I had a job like that.
LtEve now that's some shitty surveying!
I'm just pissed off because it's the one we 'had' to have to get the cash from the mortgage lender. We have found a chap willing to do a full survey for £400, but still had to have one from Barclays. If we had gone for the banks full survey it would have cost £900.
You should be allowed to choose your own.
LtEve - yes, I think someone is raking in the money in bank-approved surveys. It's bound to happen in a situation where we don't have any choice about who to get to do it. The bank has no interest in making sure we get value for money so we're vulnerable to shysters.
Hi, any of you buyers had to go into rental after sold yours and have not bought another property? Please tell your experience!
I am increasingly likely to have to do that, shitting my pants but having lost 3 previous buyers as could not find/get a house to buy, I do not want to lose my fourth buyer.
I am trying to tell myself that I will be more attractive being FTB again. (having lost in bids against FTBs previously).
Is that right?
I haven't had to do it, but yes, it is absolutely true that it will make you more attractive as a buyer.
LtEve Definitely just a pointless money grabbing exercise. We had to use a particular company as well, but could just up the type of survey we had with the bank paying a share, so it wasn't too bad.
Talk of the day with EA is that we're still working to exchange in two weeks' time, although there are still several outstanding enquiries up the chain as well. I foresee a stressful month ahead, even though nothing's really even gone wrong for us yet.
This house better be worth it - I'm never moving again! Any extra kids or stuff will just get shoved into the attic along the years!
^ and of course our surveyer actually went there and spent a good while too, climbing on stuff and taking lots of photos.
Still haven't got my survey back - they said they hoped to email it today.
Surveyor just phoned and we had a long chat!
Now must get kids' tea while I absorb it all....
While I was on the phone to the surveyor talking about woodworm, my 4yo was in the living room scribbling madly over two walls and a coffee table in blue wax crayon. Two days before a viewing.
Lucky I know how to get it off.
We are finally hoping to exchange tomorrow and complete beginning of next week now. Gad a heart attack moment earlier when looking at the completion invoice and there was 3k missing from the expected funds from the bank but we think we'll now have that sorted by the morning, thank god.
Please cross your fingers for us! Got elective date as well, a month exactly after completion so we need to get things sorted!
LtEve that's seriously crap!
Called EA today for any news of any sort. They said, "yep, it's all definitely going ahead....blah blah blah"
So called Solicitor, who said they've had nothing through on the purchase yet, but have been in contact with their solicitor. They're hoping to receive draft contract some time this week.
Meanwhile I'm still distracting myself with decluttering.....
I'm going to tentatively claim a place here, we had our offer accepted this afternoon. Viewed yesterday, looked at DH and we both knew it felt like home as soon as we walked in, so offer in at 9am, rejected, a day of phone calls and stress later and our offer £10k lower than the asking price was accepted.
I'm now gathering recommendations for solicitors (thank goodness for Facebook crowd sourcing!) while DH panics we've offered too high and that the bank is going to turn round and say no to the mortgage!
Oh and to add to the stress we're renting at the moment, but only have a month left, letting agent and landlord seem very anti anything other than 6 month contracts so I'm having minor panics that they won't let us add 1 month onto the current tenancy so we'll have to find temp accom somewhere for a few weeks the before moving. But we're chain free as is the house we're buying so in theory it should be straight forward...why is the phrase 'famous last words' going through my mind right now?!
Gah! I really don't know how those of you who have has things go on for months have coped! I am in awe!
Congrats on your accepted offer. May the force now be with you
Help, help, help - we are supposed to exchange on Friday the 7th of Feb and today the seller got an offer - 10K more....
Waiting to hear from them.
Oh my lord Yvonne, that is nasty with exchange so close! Any word from vendor as yet? What area is the property in? I've heard of this happening a lot in London at the moment and it's a nasty business, bloody gazumpers. Really hope that your vendor doesn't go with it
Hello Leo - best of luck.
Yvonne - omg! I will keep my fingers crossed that they turn out to be decent human beings not gazumping bastards.
The other buyer in a chain and the whole process would need to start from scratch... we r buying a repossessed house and it was supposed to be a quick sale... i'm completely devastated today.
I assume if we do not buy we will need to pay our solicitor their invoice - right? ( they have already got all the money: deposit & invoice payment)
As far as I understand it, yes, sadly you would have to pay your solicitor bill in the event of being gazumped. But it would be pretty ridiculous for the vendor to restart the process, with the potential delays of a chain on just £10k, surely!
I will let you know tomorrow...
Gazumpers!! Eek, I will keep everything crossed for you.
Two houses that have been for sale in next two roads to me have suddenly sold, one has been up for nine months and they are at the more expensive end of the market. I'm in a cheaper area but stuff seems to be moving.
Booking surveyor tomorrow, popped in to EA to say all ok with value by building society valuer. She was grateful as usually takes at least a week. Okay they can't do anything as need official papers. I'm beginning to see why this takes so long.
So your giving birth in reception vibes worked Fixit
Ha! Yes! They must have recognised the sheer desperation in my voice today and decided to appease me. It's worked!
Yvonne99 sorry to hear that. I would hope with exchange this week they would stick with you. I know I would, the hassle would be too much for me.
So survey done awaiting results, awaiting mortgage offer too. What else should I be chasing up?
I don't want to get ahead of myself here, nor do I want to gloat. But today my mortgage lender managed to send their solicitor a fax.
It may not sound much to you, but it has taken a
whole fucking wasted week and countless increasingly stressed and desperate phonecalls from me.
Three days before the exchange we lost our house. Vendor's solicitors contacted my solicitor to inform. Our lovely EA has not even phoned me... (We are in south west)
Oh my GOD Yvonne, I can't believe that. May the heavens shit all over the deal. Money grabbing bastards, I hope it falls through and they know what it feels like.
Is there any way of recovering the money you have lost?
So sorry to hear that. I cannot imagine how gutted and angry you must be.
That is awful Yvonne. I can't believe the sellers have done that to you.
We were buying a repossessed house so the seller is a commercial company. They just need the money... do not have feelings.
I am so disappointed with EA - when we agreed the deal they promised to do to further viewings...
How can I recover the money? I need to pay my solicitor and the bank for the mortgage deal/survey. Not mentioned the new furniture in the boxes around me... At least the kitchen was paid by credit card and not yet collected so I have to cancel my order...
We are off for half-term holiday next week - well I will spend most of my time there in a spa relaxing and recovering
Yvonne I'm so sorry to hear that how bloody stressful.
Seller wants completion date bought forward, we are going to offer to meet half way. From date he wants and date we want.
Addendum to fixtures list arrived in post, we get the summer house included now.
If you had an agreement with the EA not to allow viewings, and the offer was conditional of that, is it not breach of that agreement?
I would be going BONKERS at the EA I think Yvonne. Gosh. I'm so sorry for you.
Hope you gave a lovely holiday
Oh Yvonne I'm so sorry for you, I hope something very large shits on them all from a great height. Enjoy your spa and holiday!
My apologies for yesterday's brain dump of a post! Today I have embraced Rescue Remedy (though that was mostly to cope with dentist appt) and spent the majority of the day ringing around solicitors for quotes. Information overload!
Sounds like seriously unethical (illegal?) behaviour by the EA, Yvonne.
Hope dentist was ok, Leo.
Our first viewers have just left. They were very nice.
Bit of an update on our buying situation.
The valuation survey came back and insisted it was worth less than we had agreed. (Details here www.mumsnet.com/Talk/property/1987859-Survey-has-come-back-damp-cavity-wall-tie-failure)
Yesterday morning the vendor agreed to drop the price and say they have the Building Regs paperwork, so I feel a bit more confident about the walls not falling down. We've just received a letter confirming this from the EA.
Our friend's husband (a surveyor) was due to go in this coming Monday but has changed it to today so I guess we'll hear more about cavity wall tie and damp issues but after research and with the discount in price I'm not too stressed about those.
As soon as the vendor agreed the the price yesterday our mortgage broker (I LOVE our mortgage broker) got on to the bank and by the end of the day we had our email through for our formal mortgage offer.
Our solicitor is doing ID checks (how long does this take?) on us after taking copies of relevant paperwork/ID last Thursday.
We've sent her a copy of the valuation survey, forwarded the email mortgage offer and have just scanned in the letter from the EA re change in price. I've asked her twice when we have to pay for searches but have had no reply.
This all seems to be moving so fast! Judging by the projected cost of the first mortgage payment the bank seems to expect us to move in around 16th March. How long do searches take - or is that a how long is a piece of string question?
Yvonne that sounds horrible. I'd play merry hell with the EA.
Yvonne that's horrible! What scumbags both the EA and the seller (even for a commercial company)! I sincerely hope their new buyer pulls out or something else shitty happens to them!
Ohhi - Glad to hear things are moving fast now!
Things seem okay here for the moment, too. Solicitor's had some response to the unresolved enquiry, though they've yet to decide if it's good enough. EA now talks about exchanging next week, with completion a week after that, although my solicitor took great care to remind me that the EA is not the person who arranges and agrees on dates!
I can't bring myself to believe it'll all move so fast! I'm not booking removals or giving a notice before something's signed with a date on it. But so far so good...?
Ohhifruit, I'm strangely fascinated by your cavity wall ties! Do let us know what your friend's dh says
SteeleyeStan Exchange next week? That could be exciting, although at least the solicitor is realistic and trying not to get your hopes up! How long have you been in the process for?
Tunip Us too! I actually copied and pasted that bit into Google and thousands of people were talking about it so it seems like it is 100% copy and pasted. Hoping we have nothing to worry about and it is just a case of a rubbish drive by survey or something similar.
Ohhi we made our offer in October. February was always going to be the most likely time to complete, but I can't seem to believe it will go ahead in time.
I figured if there's a slim chance of us moving in c. two weeks' time (and probably even if there wasn't) I should probably tackle the few remaining boxes still left unpacked from our last move over eight years ago, and otherwise have a look at what exactly lives in our closet these days. So many old bags of crap! One box sorted through (nothing to keep in it but a couple of photographs), way too many to go...
SteeleyeStan - I'm trying to Declutter too, to keep my mind off this long drawn out process!
I've made several trips to the dump with full boot loads and am busy eBaying the better (but still useless to us) stuff.
On a positive we had the architect go round the new place to see if our ideas would be doable.
He seemed really positive about the house, despite its ugly ness and need for major renovation.
Said he'd draw up some plans for us and won't charge if the sale didn't go through.
Feel quite excited now!
Well I rang some removals firms today and as we are only moving two roads away one suggested by the hour at 54 quid inc vat for two men and a van. Minimum time four hours a booking.
We are tempted to pack all small stuff and hire a van and move ourselves as it is only 30 quid for a transit van and then hire a man and van for two hours from goodness know where to keep costs down as it would just be moving about eight large items of furniture.
Ohh I had to google wall ties as I didn't have a clue.
The weirdest part of this moving is I am now wishing I had trained to be a planner or surveyor.
Ok I think our mortgage has been approved. Do the banks check the property first and then you? My broker sent me an email saying good news 'that the mortgage has been offered'. I got massively excited and now am worried that just means I still need to be cleared and I've jumped the gun!
Our bank checked us first. They approved us and we had to go in and sign the agreement, and THEN they started the ball rolling on the valuation survey.
Well we've had yet another cock-up. FFS, first the crappy survey company the bank instructs gets our valuation survey wrong, now the fucking bank have sent our mortgage offer to the WRONG solicitor.
Similar company name. Different Town.
Got a letter from the wrong solicitors saying "we've received a mortgage offer for you, do you wish to instruct us?"
How much are we paying for this shite? Too bloody much.
More Our mortgage broker 'checked us out' (whatever that means) then apparently the bank then checked us, checked the property (and once the revised price came back after a survey issue) then offered us the mortgage.
Actually as far as I can actually tell from looking at our credit files no one has actually even run a credit check on either of us since we got new phones last year and yet they have agreed to lend us the money. Surely they will check this before they fork out?
Re the survey via our friend, he is going to write us a full report but has text to say "No issues other than what you had expected, you've got a bargain."
Also just read terms of mortgage and it says something about us settling the debts we had agreed to. We have no debts (apart from student loans) and certainly hadn't discussed it.
It does sounds as if a lot of people are having problems with paperwork, wrong solicitor LtEve is ridiculous. I know everyone makes mistakes but you would think paperwork would be double checked.
I'm finding my stress levels rising and now wishing we had stayed put and just managed being a bit a short of space.
This sound pathetic but we need new sofas as we have a small sitting room and this one can fit three sofas and a chair in. I cannot find anything and they are so bloody expensive. I don't want sofas that are going to be worth more than my car.
I sent off a 'very strongly worded' email last night, and this morning have had a call saying they will re-issue the mortgage offer and walk it up the road (about 200 yds FFS) to our solicitor.
I'm just pissed that the bank charges etc are so much, but then they provide a crappy service. The Surveyor we have instructed is charging us less for a 'Full' survey than the bank charged for a valuation survey (the one that was wrong) and the solicitor thing has just blown my gasket.
Of course, superstitious me is now waiting for the 'third' thing. I'm going to be a nervous wreck by the time we get the keys....
I've had my first sleepless night, after getting the paper copy of the survey and reading it through very carefully. Feel calmer now after talking to the Society for the Preservation of Ancient Buildings technical advice line.
The surveyor has advised lots of things that are the opposite of what all the historic building conservation people say, eg he thinks we should get a damp proof course and get rid of the lime plaster because it is making the place damp. The SPAB man figured out why the surveyor might think that (ie because the lime plaster areas are the only place the moisture can escape, so it's all taking that route hence raised moisture readings there).
The survey basically says 'don't buy this house' because he's judging it by modern standards, and it's one thing to know that this is just par for the course when you're buying a restoration project, but another to stay calm when confronted with it in writing
Preciousbane, can you just use your existing sofas for now and then look out for something good next time there's a sale? I know what you mean about thinking you should just stay and put up with the lack of space. I had a moment like that and then I unloaded the dishwasher and as usual had to spend ages fiddling around trying to fit the glassware in the cupboard because there wasn't enough space and I remembered all the reasons why we want to move - a lot of them are just small annoyances, but they all mount up.
Preciousbane I'd keep your current sofas for now and then wait for the Easter sales. We got £1200 total on our sofas last Easter with a bit of sales hopping.
Tunip That's good then thank heavens the Ancient Buildings folk.
I'm just getting my knickers in a twist and over thinking everything.
Though one real conundrum.
About six years ago the people across the rd had an all weekend party, I over reacted as I was in a bit of a state that year as I had almost died when I had a MC. I complained to the council but didn't fill in noise diary they sent me. The owners actually apologised to everyone as their teen daughters had done it when they were away and they got a severe bollocking. Quite a few people rang the police. Anyway I checked and it is logged so now worrying about declaring this and putting people off buying our house.It is a quiet road, it was a one off.
I'm slightly worried I'm totally losing it, rang DH at work and he was woman it will be fine, stop worrying!
I have found a sofa place in our home town and the guy makes them himself. It was pretty amazing and not really that much more than DFS so I'm dragging DH along tomorrow.
LtEve they should present it on a silver platter.
Tunip does your house need lots doing? It will be lovely to shape it in to what you want. I suppose it is a little scary having a don't buy this house feel from the survey. Ours is now booked for next Thursday.
LtEve what utter numptys!
Tunip I'm in awe of you taking on a restoration, though I know what you mean about the seeing things in writing!
Precious hope you find some lovely sofas! We're waiting till we're in then hoping the one we liked at Christmas is still/back on sale at DFS (we almost bought it then realised it wouldn't fit in our current flats living room doorway!). I'm now thinking that sofa bed might better (we're in Sussex and all family is in Yorkshire so regularly have visitors) oh the decisions!
DH has had meetings with the mortgage advisor and all seems ok, plus monthly repayments will be less than we thought! Solicitor has our initial paperwork and the survey is paid for, just waiting for confirmation on when it will take place. Our current LL has also agreed to a rolling monthly contract so I'm no longer panicking about where we'll live in a month!
Oh and the Estate Agent's website now says 'Sale agreed'... Seeing this was strangely satisfying!
Anyway, Happy Weekend everyone!
Checked with mortgage broker and all is go. The bank have no qualms with the property so the solicitors think it should take six weeks (!).
Am sat looking at wall lights (living room has no main light as low beamed ceiling) and apparently I have to either like ultra modern or very 90s decor in order to get one.
tunip can we see pictures? I'm always impressed by someone who is willing to do restoration!
It's hard to know how much needs doing because of all the uncertainties in the survey. For instance: the surveyor has found woodworm so he assumes all the timbers have it and we should treat the entire house. Or, there's a place where the roof leaked and some water came in but they mended it. The water came in for long enough to damage some plasterwork, but it might or might not have been there long enough to cause rot in roof timbers. There's so much even a surveyor can't see.
I mean, it does need a lot, it's just not entirely clear how much! And damp problems can be very easy to solve or very hard to solve IME!
Sent you a pm, Moreis.
Tunip - Our survey actually says that our Victorian house has been incorrectly repointed with modern material, and this is not good and will eventually erode the solid walls, and we should get quotes on having it redone with lime based material. Sounds like your surveyor doesn't really know his old buildings, but I'm glad you got reassurance.
Good on your surveyor, Steeleye!
We're hoping this can be one of those things we can wait to look into doing "sometime over the years" and not an immediate problem... Same as the 101 other potential issues that the house comes with. [nervous panicky smiley]
Yes, I wouldn't worry about that one either.
If a surveyor thinks a job needs doing immediately they say so.
Aye. There's nothing flagged up as needing to be done immediately. Our plan is to start from the things most important in keeping the house dry! Ie. roof maintenance (apparently the underlay? will need replacing in some point), ventilation (the attic's very insulated at the moment), and replacing old guttering.
That is of course if nothing serious and requiring urgent action pops up once we're moved. [another nervous panicky smiley]
That's my logic too - start with the jobs without which other things will get worse.
The house we're buying has a lovely stone doorcase with columns and pediment, which is fairly decayed and needs restoring. It's the most obvious job to do but it's going to go quite low down on the list because while it does spoil the look of the front of the house, it's not actually going to cause any further damage if we don't.
Anything that lets water in, on the other hand....
Our survey is back. It has an issue with the supports in the roof being changed. I don't really understand it tbh and very nervous now. surveyor has advised to get all planning and building regs paperwork, so have sent request to solicitor. But how will I know if what comes back solves the issue?
It might be obvious. If not, can you ring up your surveyor? They are generally happy to discuss things further after the survey.
It is normal to lose sleep over all this stuff, yes?
I keep waking up very early and not being able to get back to sleep.
I'm hoping this is just a function of house buying/selling in general, and it'll be fine once the new house is bought and this one's sold, and it's not because we're buying a
moneypit project and will get worse as we get more broke.
sleep whats that?
i have spoken to him and asked for it in smaller words. still don't get it. DP has a builder msat going to ask him
sleep whats that?
i have spoken to him and asked for it in smaller words. still don't get it. DP has a builder msat going to ask him
Builder mate sounds good!
Some surveyors are not very good at explaining themselves. Ours was full of ambiguous bits. There was one bit where he appeared to be saying it would cost £20-25k to mend the shed roof. I pointed out to dh this was very unlikely and he had to mean the main house roof, but the way he wrote it did look like he meant the shed....
I'm with you on the not sleeping, I'm desperate for a good sleep but I'm terrified this won't go through at all let alone before bump becomes baby and we're in a small place with 4 DC.
I may have become a little hysterical today which is totally not like me.
Well I have been sorting stuff out in the loft and taken tons to charity shop.
I agree with the stress and not sleeping, DH and I had a row over a trivial issue yesterday which is really rare.
When is your due date ohhifruit? At least I don't have that to worry about!
Phoned solicitor today in the hope of there finally be a sign of progress.
I was told no, still no draft contract, so chased the EA.
They called me back to say that the vendors solicitor was having to apply for title deeds as the property was never registered to them when they purchased 30yrs ago!
I've no idea how long this could take or if it causes any problems with the sale at all
its such a slow process!!
when did you have your offer accepted ?
About 8weeks ago! Our sale is ready to exchange and our purchase isn't even off the starting blocks!
I was really hoping we could be in for the beginning of the Easter hols
I think anxiety and sleepless nights are the norm, unfortunately. At least that's what my GP told me... I have a history of depression and anxiety, so I brought it up with him, as I'm always keen to avoid bad relapses. He thought it's utterly normal, and wouldn't have me worry. So far for me it's luckily not going into any bad place. Actually I think a bit of anxiety is probably good: keeps you on your toes, keeps those phone calls and emails going towards EA and solicitors etc.
No news here. Apparently sellers solicitors have replied to enquiries, but ours aren't completely happy with the replies, and want more/better/clearer information. Sigh. So we're definitely not exchanging today and completing next week.
i am only 4 weeks in
was hoping to be in for my birthday at the end of march. no hope
V sensible to talk to GP, SteeleyeStan. A little bit of anxiety is good, definitely, to get the adrenalin going.
Our news is that the agent called dh yesterday to say the planning permission issue (change of use from care home) is sorted but he wasn't entirely clear about how so we're not taking it as read until we have something in writing.
This afternoon we're going for a poke round the house with our survey in our hands. Hoping for heavy rain because the surveyor reckons the gutters aren't up to scratch so I'd like to see how they cope. I want to have a look at The Crack the surveyor found and see how old it looks. And also cheer myself up by swooning over the staircase. When we move in I plan to spend at least an hour a day going up and down the stairs.
What are you all most looking forward to about your new houses?
Damn, caretaker's just rung to cancel. We can't get there now until next Tuesday so that sets everything back by another week.
I've just had a very stressed DH on the phone. No particular reason I think he's just having a panic- are we going to far from friends? (15 mins by bus, and what DH doesn't know is that some of those friends may be moving to Aus), is the school good enough? Will we be able to get DS into a local nursery? Are the surveys going to go ok on Friday? Have paid too much? Is it going to fall through?
I know he's very busy at work at the moment and stress from that is making him worry but I just don't know how to keep reassuring him without seeming like I'm not worrying about these things (which I am just slightly quieter!). I think checking in with the GP might be a good idea as we both have history of depression /anxiety so thanks for the idea steeleye.
Anyway, Tunip poses a very good question: I'm looking forward to actually painting walls, years of renting magnolia boxes makes me crave a bit of colour! Oh and hanging our (many) pictures/framed maps!
Most importantly will be the cat! We WILL be getting a cat
Tunip Those stairs will be great exercise then. Too bad about the cancellation today, though.
Leo I'd recommend he writes a proper list of all the little anxious worries that pop into his head. That way they won't feel like such a vague bit cloud of worry, and you can sit down and think them through systematically, and make a better estimate of what's a real actual worry and what isn't, and whether there's anything you can do about it at the moment, or any action plan you can make "in case". That's what I've been doing, and I think it's really helped so far.
What are you all most looking forward to about your new houses?
Well, we're in a tiny flat with a busted kitchen and no central heating in most of it, so I'm most looking forward to being able to tidy things away, cooking a roast dinner and having a heated bathroom! Most of my house fantasies at the moment are centered about white Annie Sloan paint, though...
^ vague BIG cloud
Also I'm being an unashamed ignoramus with our advisor and solicitor and asking lots of "what will happen if..." questions, which also helps.
I am looking forward to a kitchen that is not a green 1970's original ( and I'm not talking walls)
Windows that can open without the bottom falling off.
I hate my rented house!!
Well, the solicitors are finally happy! They'll be ready to sort out exchange as soon as they have all our money. Stupidly I'd assumed (rather than actually checked) they'll be okay with us paying by same method as we paid their front fees, so it'll now be some days, while banks move numbers around from one account to another.
New topic of panic: if we wanted to be out of our rented house and actually stop paying rent by mid-March, we'd need to give our month's notice this week! But there's still so much that can get delayed or go wrong! So do we take the risk, or do we hold on and maybe have to keep paying rent for this shithole until mid-April?!
Hurrah re solicitors!
I would risk overpaying the rent, personally. I know it'll be probably be wasted money but it'll buy you a little bit of peace of mind and if you have a tendency to anxiety you probably ought to minimise the stress as much as possible.
I'm inclined to think that way too actually. Also our contract says we'll need to allow the landlord and potential viewers access more or less anytime in our last four weeks here, so I guess if we're well out of here for most of that periods, we'll avoid that hassle.
Hooray for the progress Steeleye. Oh and you're not alone with the asking any and all questions! (Answers in as few syllables as possible preferably!).
Re. End of rental tenancy we're planning to have at least a week overlap, maybe two. Gives us peace of mind and means the couple of jobs we need to do can be done before we move in (2 year old + open banister is something my nerves could just not cope with!).
So awaiting the survey, took builder friend round for 2nd viewing with DH and myself and everything he said was positive.
Now we have heard that the bank is pulling the mortgage that we have applied for but will honour all applications as long as received before 21st of this month. We have sent the application in but don't know if they are yet to honour!
Just when you think u have things sorted and ticking along the bank pulls shit like this!!!
I am master of worries. I am selling my 2 bed house and instead of getting 3 bed as originally planned, I have put an offer on the only available 2 bed maisonettte. Reasons: no other houses on the market, fear to lose my 4th buyer, fear to fo into rental, perfect location of the maisonette, high possibility of divorce and so I dont want to stretch my mortgage. I need Kalms not to start panicking and pulling out of everything.
Oh no, Sparkles! That sounds like it ought to be ok, if they've said they'll honour applications up to 21st and you've already sent it in. It's yet another thing to worry about though, isn't it?
I've been busy reading about damp and timber decay. It's fascinating. Building conservation books seem to cost a flipping fortune so I've told dh if this house falls through we'll have to find another house with severe damp and woodworm so I'll have got value for money from the books.
My vendor has submitted the change of use application so hopefully that'll be through before we move in.
Wow LittleCrystal, sounds like you've got a lot of stress of different kinds to deal with there. The maisonette sounds like a practical solution though.
Bloody pissing sodding twat faced lying Estate Agents!!!
Turns out the sellers solicitor only applied to register the title deed last week! So there was no way they would have arrived this week. Lying bastard EA is now back tracking and denying have said they would be arriving tomorrow, then tomorrow, then tomorrow, then this week sometime, now he's holding his hands in the air saying he doesn't know when they could arrive!!! Ahhh!
These people cause so much stress by lying.
They really do
IME they are very good at making vague convincing-sounding promises but when you pin them down it all evaporates. DH is very good at making them put things in writing - email is a great help because it would have been impossible when everything was done on the phone.
Yes, I have decided that I now want anything he says in writing! Even if it's a scribbled note that he then has to initial.
Even the nice EA's make my skin crawl. Our landlord has decided to sell up when we move so I had 4 EA doing valuations this afternoon, they we're all very nice but I still had the heebie jeebies after!
Had the contract papers from the vendor sent through by our solicitor this afternoon, I think DH was most pleased about the curtains being left for us as my fabric discussions did seem to be falling on selectively deaf ears! Surveys tomorrow so fingers crossed all goes well.
Little crystal you do have a lot of, entirely justified, worries. The maisonette sounds good though (we're in a maisonette now and it's worked quiet well).
Sparkles if you're application has already been sent I would think you'll be fine, it surely won't take them that long to then receive it.
I'm finding it reassuring that others are suddenly finding DIY and damp treatments interesting. I had a very long conversation with my dad about putting in spindles and inbuilt book shelves. Oh and the online 'how to' videos are very addictive!
Tunip I don't trust EA's at all. I took in some paperwork yesterday and they mentioned oh yes your survey tomorrow. She said bring the survey in, ooh they are always nit picky don't worry about what they write.
Very good friend is a good builder so will be speaking to him when we get results. They would sell their Granny's if they could.
Leo A few weeks overlap sounds ideal. Over a month quite long really, but an extra month's rent would still be cheaper and simpler than ending up needing some emergency solutions... Excellent news about getting the papers - and the curtains!
Sparkle What a nightmare! It does sound like you should be okay, but definitely not an extra worry you need. I hope you get clarification asap.
Littlecrystal Oh god, I think might just be the master of worries! I really hope it'll all work out.
Tunip Yes, you'd obviously need to find another place with damp and woodworm! My mum has apparently bought us a huge book on maintenance of period properties - can't wait to get my hands on it.
Turnip Bastards. Such needless lying and added stress, really. I don't get what the point of that is. Were they worried you'd pull out if they admitted ignorance, and thought once you found out you'd be less likely because of having invested more time by then, or what? Or is it just a habit to spout out vague promises for no real reason?
I'm worried, but not really sure what about. Oh well.
Hmmmmm, just heard from our solicitor that the mortgage company won't let us exchange/complete until the change of use is through.
Let's hope it's quick then.
Can I just squeeze in to ask-who do you talk to first about survey results? Is it lawyer/bank/surveyor/estate agent? We are (obviously) quite clueless and it mentions some internal damp readings...
I would discuss the results with the surveyor first for an opinion on how serious the problem is and how expensive/difficult it could be to remedy.
Then, if need be, get some quotes in, then if need be, discuss with EA any drop in offer you may need to cover it.
Thanks, will get my husband on the job!
Tunip I hope the change goes through fast. I can kind of understand they'll want that cleared, but let's hope it doesn't delay things for you.
Under I hope you got some answers and clarification.
The biggest amount of money we've ever owned at any one time has now been payed off our account to the solicitors. How typical is it, though, that my solicitor is off until this Thursday, and the sellers one has two weeks off from then on? I really hope they have some people to cover their cases!
Oh well, it's off our hands again, and I have and . Hope everyone else is doing okay with their purchases.
Just had a text from OH to say our solicitor expects all searches to be complete at the end of this week. Then she suggests exchange next week and complete the week after that. I feel like this has all gone very fast - it has been less than a month since they accepted our offer.
Aren't we supposed to receive some kind of property pack? Are we allowed to ask things like the location of stop cocks etc.?
Have you not had a fixture and fittings list and all those details? It is very quick!
We are 4 weeks in tomorrow, still waiting on mortgage offer. Survey seems ok now. Got someone to look at the roof he is not concerned. Surveyor hasn't even bothered to reply to queries I sent him last week. Got his money not interested now!!
Seller still not offered on a place but have indicated on form that they don't need to complete their purchase to move out. They are going to Ireland and have family there.
We received a letter from the EA a week after our revised offer was accepted saying the vendor had accepted and that it would include (items we asked for) curtains, curtain poles, carpets and cooker. But nothing more. Do we need to request a formal fixtures and fittings list?
The vendors are moving to an inherited home, so I think this makes it faster as no purchase is required at their end. We were scared at first as EA misinformed us and said they hadn't even started looking.
Glad to hear the builder thinks the roof is ok! That's a weight off your mind.
Good to hear about your roof, Diet.
I think my change-of-use will be a minimum of a month because they have to display a notice about it publicly and people have to have a chance to object. Gives me time to read more about what to do about the woodworm, though.
I'm very grumpy today. Our Surveyor picked up a couple of red issues, the bank still hasn't sent the paperwork to our solicitor because their surveyor still insists we have an extra bedroom, and our solicitor is a mardy sarcastic old cow.
Oh and we still haven't had the revised fixtures and fittings list back that the seller completed wrongly, and the Estate Agent dealing with us/the seller is away all week.
Oh, that all sounds very annoying indeed, LtEve.
Yes I would say you should. it was on another form which forms part of the contract where the seller has to declare everything. I would have thought you should have seen this by now. Ask for the full contract maybe?
hope your change goes through easily. Yes it has been a weight off my mind over the roof!
LtEve its so easy for delays to come from silly things isn't it. hope you get it all sorted.
I am NEVER moving again!
That all sounds like you're grumpiness is very justified LtEve
OhFruit we got a form for the fixtures and fittings. It was completed by the vendor then sent to is via solicitors.
Annoying the surveyor isn't getting back to you Diet but at least the builder has been able to set your mind at ease over the roof.
We had confirmation that the valuation survey is good (phew!) so now we just have to figure out how to pay for all the searches! We have the money it's just a matter of juggling it into current accounts out of an old building soviet account that we can apparently only access in person ...in Leeds!
I'm also trying to remember if there we're draws in the kitchen! Sounds crackers but I honestly only remember cupboards!
I've got to the bottom of the stupid bank surveyors mistake. Apparently the seller has put a bed in the downstairs room.
FGS. A bed doesn't automatically make a room a bedroom. She's not sleeping there, it's a new bed for her new place!
I've just spent 30 minutes arguing over this. Dear God what are we paying for here?
god knows they are bloody rubbish
I think I also need to pull up a bar stool in the kitchen of woe.
We put our place on the market early November, had some buggering about with multiple offers, one buyer pulled out and thankfully the second ones were still keen. We dropped the asking price following the survey by 18k (we thought our EAs were taking the michael with the price anyway but didn't want to sell it for less than it was worth). They are FTBers and seem keen.
We then put in an offer on a place in mid November which was accepted. The seller is an elderly disabled lady and hadn't started even looking by late Jan, so we regretfully started looking, and had another offer accepted somewhere else this weekend, and pulled out of the purchase. Whilst I feel a bit bad about this, she knew we were keen to move and hasn't shown any interest in even looking at other places, and our FTBers are chomping at the bit.
So we are now going full speed ahead on the other purchase and will be putting in the mortgage application tomorrow. Our vendors will be cash buyers but haven't started looking... this is now 3.5 months since our buyers put in the offer and we are really worried they will just get cross and start again - although they have invested in legal work and survey etc so hopefully not.
So stressful - and I am so cross with the EAs dealing with both our sale and first abortive purchase for just bullsh*tting all the way through to try and get an easy fee without trying to move things along.
Wish us luck!
that is a long time. i feel for you
Just been for our first visit since getting the survey.
Everything is really so much less bad than the surveyor implies. Some very localised patches of damp with obvious causes, one small area of woodworm, half of one gable needs retiling.... I will eat my hat if there is dry rot, honestly. Garden was looking beautiful.
i have decided surveyors are full of crap!!
LtEve I just can't believe the level of rubbish of that. (But I'm now considering trying to shove a bed into our closet to turn the 2-bed into a lovely 3-bed! Does the bed have to be horizontal, do you think?)
Ohhi Yes I think requesting more information sounds like a good idea.
Tunip Glad to hear you got to visit and it was reassuring. We haven't been back to our future house for months now! I'm glad I took loads of pictures last time. I really didn't understand all the survey comments, either. Ours wrote that all the kitchen fixtures and fittings were old and "would need replacing in future" - it's an Ikea kitchen fitted a few years ago and looks brand new to me. (I'm used to ancient rented kitchens, but still.)
diet. Yes, never moving again! I don't care what will happen in the future; this house will just have to do!
Leo Good news about the valuation. I wish I'd realised we needed all the money "ready to go" at a moment's notice. As it was we had the deposit ready, but had to move money over from savings account for the solicitor's fee etc. and it took a few days - even the EA phoned to prompt us to pay already...
lesson Welcome to the kitchen of woe. That sounds so frustrating and worrying! No wonder some of these chains take ages, if people don't even bother looking for new places, but happy to accept offers.
I have no new woe to report. I want boxes, though, so I can pack already.
We get our surveyors report back tomorrow so having looked through posts here I'm getting more nervous.
Can I ask what people think of this. List of fixtures and fittings was a bit wrong. Our solicitor spoke to vendors and we have a letter agreeing to the three things missed off. Is that enough or should we ask for a new fixtures and fittings list? We are still four weeks minimum from moving date.
I would be happy enough with a letter, as long as it's a proper, official, signed and dated one.
mortgage offer in. have to be in by end of april!
Had survey in
Two bad things, a suspicious crack that they reckon needs a structural engineer to look at
The extension roof is not a bad roof but the way it attaches to main roof is bad. Well it was more technical than that obviously.
Mate is a builder so awaiting to speak to him in first instance.
diet that's great news! And potentially enough time re end of April move date - are you in a long chain?
preciousbane are they downgrading what they would offer you?
How long does it normally take to get the survey report back? My buyer did the survey on my house 2 weeks ago. I am sure few red flags would have picked up with my house (damp, cracks, past movement) and I would be surprised if my buyer would not try to reduce their offer. It has just been very quiet from his side and I am not sure if he has seen the survey or not (otherwise he has been very pushy FTB).
In the meantime my circumstances have changed and I am likely to pull out myself but just hoping that the survey will do the pulling out job for me.
precious The roof issue is exactly what we had. So technically written we didn't understand. Have taken a builder round and he is happy with roof. They off course had to change the structure to extend and it appears the surveyor didn't really look into what they had put up, just said its different how do you know it does the job. Planning permission and building regs were there for the extension so we are ok.
Hope its easy for you.
lesson Just us and the sellers currently. They are moving to Ireland and have not yet offered, as a large holding deposit has to placed there on offer. However they have indicated they have family there and do not need their purchase to complete to move. So we should be fine. I am actually pushing for the end of march!
little We had our survey back in 5 working days, so a week really. Felt like forever. Sorry to hear you may have to pull out
dietstartsmonday thanks. My buyer was super pushy and now all of a sudden I don't hear from him for the whole 2 weeks after the survey.
Will wait and see what's going on.
Great news, diet!
Precious, I hope the issues aren't too serious, and your builder mate can give you some clarity on the whole issue.
Little - We had our survey results after five working days, too.
Whoopee!!! Congratulations on exchange, Steeleye
Builder booked in for Monday morning, have informed solicitor and she was absolutely get a builder round. EA asked for the survey, I didn't like that at all. He obviously doesn't wantthe sale to fail but we are not idiots and what he says will make no difference whatsoever on if this sale proceeds.
Diet hopefully the issue will be similar to yours.
Little survey results emailed to us on day 4 working days after being done.
Oh. Then my buyer defo should have his survey report by now.
I am trying to think what his silence means.
- thinking of pulling out?
- urgently looking for another house to buy?
If he was addressing the found issues, I would expect to have heard from him by now...
SteeleyeStan Congratulations! Completion date set already?
Lessons I'm not sure what you mean about are they downgrading us?
Thanks all. I know things can still go wrong, so I'm not unclenching yet.
We have completion planned in 12 days' time. Since we'll have plenty of overlap with our current ented place we're not planning to move in right away, but to paint the living room at least and have a look if there's any other little stuff like that we can do. Just sorted out the insurance - need to book removals and start sorting out all the other stuff soon.
Good thing you can get the builder in that soon, Precious, and that your solicitor's on board.
I just meant are they offering less now because there have been problems with the survey? This happened with our buyers when the valuation report came back.
aiming for exchange on 21st march!
I am terrified of it going wrong still. thought I would be better once the mortgage was approved.
Lessons its the house we are wanting to buy that has the issues on the survey. So getting an estimate for the essential stuff and a builders opinion.
Oh well done, Diet, a date!
I really hope mine can go through before the Easter hols so we can move then.
fingers crossed then for you too
Can I join? It might be for an hour, the next week or the next 6 months.
Went to view a house on saturday, open house, sunny day (me "shit "). Mum (helping me buy) put an offer in earlier, so have loads of other people. So she's got to go back this afternoon with a best and final. So it's in the lap of the Gods now.... I might know by the end of today, or it might be tomorrow.
But I've just noticed the EA has erected a 'for sale' sign since the open house viewing at the weekend . The house had been promoted for 2 weeks prior to the viewing. Someone is playing games now .
Well builder had a look, the roof is more susceptible to tiles coming off due to the way the extension roof is connected. The flashing etc does need to be done. He has estimated the flashing and repointing of chimney 2k ish to replace the entire roof about 11k. The EA took us aside and said he knows vendor will not move on price. We did put in an offer that was below asking but just under 5%. Builder reckons we should have drain survey as well.
DH hasn't seen builders report yet. I'm just getting massively stressed. I grew up in a house with a dodgy roof, remember emptying buckets of water as a child so I'm not pleased.
Just seen you have a date diet, well done!
Hello Meglet, they play off rival bids all the time, I'm rapidly going off Estate agents.
Hello Meglet! Good luck with your offer.
The 'for sale' sign might be the right hand not knowing what the left hand is doing, or it was meant to be done before the open house but the person whose job it is was busy and didn't quite get it done in time. I don't think you need worry.
DH has chased up the solicitor and he says the searches should be back in 7-10 days, though after that we'll still have to wait for the change of use.
I'm on the edge of my seat to know about tree preservation orders because there are some quite big ones that are dangerously close to the house and while I assume we'd get permission cut them back, it would really be nice to be able to do it without permission.
precious I walked past the EA's at lunchtime. They were all sitting around laughing. So obviously I imagined that they were all thoroughly enjoying the bidding war going on for a piddly ex-council house
not that i'm paranoid or anything. Pesky housing shortage .
I have just been informed by builder that the EA said to tell us the roof is fine, it clearly isn't. I am so annoyed.
precious, it sounds worse than my roof. ours was deemed fine by builder.
what are you going to do ? i would drop offer i think. EA could be talking shite ( nothing new there)
welcome Meglet, fingers crossed for you
I'm thinking of dropping offer, we can walk away obviously we have spent 585 on a Survey and 300 on solicitors fees but better than messing about with 250k. Our solicitor said well all buyers are going to find these problems so he should negotiate.
i agree and its in EA intrest for you not to drop offer
mine is another sad story. i m not from this country , i moved here in 2007 and since then i was dreaming to buy a house. me and wife finally accumulated the money for deposit last year and started searching vigorously. we were searching in ruislip area. we wanted something in london and the houses in ruislip are really beautiful and avg priced. before missing many we finally offered on a beautiful house where there is an old chinese lady living. she has already lost one buyer before because she could not find a nice one bed property herself to buy. but when i offered, she had a property she has offer accepted. i thought it is not a big chain , the 1 bed she is buying is chain free, so no hassles. moreover the EA told me at the time of viewing that the seller will move into a rented property if needed. only on that basis we offered on this property , otherwise , i badly wanted a house and dont want to be in a chain at all. but to my fate, the lady changed her words afterwards, she wanted to move only when she buys the 1 bed. there was nothing i could do as i am already into it. i saw the house in august and she said she will move in january as there is a tenant till jan in the 1 bed, i had to say OK for that as well , no choice. then the wait started... there was an issue with the title of the 1 bed and they wanted to change. the solicitors doing it were a nightmare...for 6 months they did nothing , i was waiting every day to find out what was happening, everytime the estate agent & solicitors tells a news story . i tried pulling out 2 times in between when i found 2 more properties, but i was bit reluctant in losing all the survey money, solicitor fees, application fees and all, and who know what is there in the new property, so i stick to the old one. but the worst happened in the 6 months. the property prices in ruislip gone up 15% in these 3-4 months span. I could not afford the new ones coming to the market and had to stick to the present one . my seller came to know that her property is worth 50K more than she offered me. she started getting greedy , she asked 5K more initially , which I said yes. then just before exchange she asked 10 K more, for which I started thinking but even then she pulled out saying that she can now afford a 2 bedroom as she is getting more money for her house , so she is not selling to me. can you beleive this lady wasted a year for 2 buyers, and a whole lot of time for EA , 2 people in the chain ( me and the top of the chain 1 bed room.) i lost around 2K in the house process and the houses went up so high that I cant afford any more ...the top of the chain 1 bed has kept the house empty for 2 months and paid a lot of fees to their solicitor for title changes which didnt happen . i believe all this happened because the procedure followed is wrong. 6 months waiting time and i dont have the house in hand??? i think it is unfair. now I am planning to move to rental house as I have to upgrade anyways, i stay in a single bed now and have to shift to 2 bed. i feel very down by paying all the agent fees ..and buying second furniture...to rented house when i was planning for all my life to buy a house and move with new furniture. I am a light hearted person generally , dont get down for anything , one of my friend cheated me 20,000 pounds here ...even then I kept up..but the feeling of not able to buy a house probably in the near future due the prices..makes me sick. the govt is really not helping people with help to buy schemes, it is instead shooting up the prices so much that they are not able to afford...
We have pulled out, the vendor would not discuss a price drop at all, well solicitor said all surveys will show this problem so more fool him.
Spotted a house we liked but couldn't afford that has dropped in price by 25k. We may go and see, I'm tempted to just stay where we are.
Precious I'm so sorry that you had to pull out (I read your other thread), I think you're doing the right thing and hope that the right, issue free, house comes up soon.
We've had the survey back and apart from an asbestos concrete water tank nothing scary popped up. Now waiting on the vendors solicitor to get back to ours re. a few things they raised (double checking has and electric certs mostly I think) before a date for exchange can arranged.
Lostbattle, how absolutely gutting for you.
The house buying system in this country is a joke and I can only imagine how it must add to the stress in places like London where the prices are still shooting up.
lostbattle How horrible and frustrating for you!
Precious I read your other thread as well, and it sounds like you made the right decision for you. If you have no pressing reason to move on fast, don't force it trying to find a new one asap. Keep an eye out and start viewing once it feels right.
Leo Good news nothing major popped up. Good luck!
We're supposed to complete this Monday coming. The flat is full of boxes, lots of practical stuff fully arranged; I really hope things will continue issue free till the end now.
steeley how exciting. hope it goes smoothly
Steeleye how exciting, log on whey of can and let us know that everything goes well, which it will!
Hello, can i join?
Though after reading some of the tales of woe what have I let myself in for. to those who have been let down.
Have had an offer accepted on a lovely 3 bed semi in a fab village location, half way between mine and DP work. We are FTB and have a MIP but mortgage won't be sorted until next week, am praying it all goes through without problem and we get accepted. Our solicitor has been reccomended to us and seems lovely and efficient.
Keeping everything crossed. Good luck to everyone else.
Can I join too?
WE have just had an offer accepted on a house. We managed to get 9% off the asking price as it had been on the market a year.
It was only accepted on Saturday but is not showing as stc on rightmove yet so I need to make sure that changes.
I am really not wanting to count my chickens before they hatch and get excited.
I have sent my financial advisor an email to say we have the offer accepted so he can sort out a mortgage.
I have sent our ID to the buyers agents.
I need to copy all our fensa things and stuff for the solicitor.
I am so nervous
Sorry about yours precious
Welcome Toomuch and Nannyplum well done on your offers being accepted.
Welcome Toomuch and Nanny!
I for my part say bye to thread, and thank you very much for the support! We completed today. All in all it took less than five months from making our offer, so really not as bad as many others have had!
The new house echos (high Victorian ceilings!) and feels odd and unknown. I had a "talk" with the bumpy stone walls like the madwoman I am, hoping we'll be friends... It feels scary to know that anything that happens or goes wrong will be our own responsility now - we've always rented before! Still, it's just what we wanted, so yay! I'll go back there with paint tomorrow morning.
Good luck everyone!
yay well done steeley enjoy your new home
yay well done steeley enjoy your new home
yay well done steeley enjoy your new home
ops phone prob there sorry!
Especially since it's the first you've owned.
Good luck in your new house, I hope you'll be very happy there
Well done Steeley, enjoy your new home. I am sure when you get your stuff in it will be cosy and lovely. They always feel so odd empty.
I spent yesterday scanning wage slips and things in and sending them to my financial advisor for the mortgage application.
We have an existing one with Nationwide on a really low svr rate so will port that and top up with another NW one as we can get a reasonable deal. We are going to fix that part for 2 years and try and overpay a bit so that in 2 years we have a bit more equity and can get a better rate.
It was still not up as stc on rightmove yesterday so I need to keep an eye on that.
We have (rightly or wrongly) opted for a homebuyers survey.
Hope everyone's sales are ticking along.
Oh great news steeleeye congratulations!
We had good news with stage 2 last night - mortgage accepted. So next stage searches/ surveys.
Hope everyone else getting on ok.
Anyone know how long the searches should take? My solicitor is saying she is still waiting for all the planning permissions and so we can't move forward. The other sides is saying that our solicitor was sending the planning reference numbers to them once search results back so they knew what to get.
Its so frustrating!
Ours still aren't back yet, Diet.
It's so frustrating! The lovely house is standing empty, the crocuses are up in the garden, I want to be in there decorating and sewing curtains. We want to buy the house and the vendor wants to sell it but we just all have to sit here and wait
Still, worse things happen at sea, eh?!
I want to be in now too, but hey ho.
Mu solicitor has confirmed the searches are back but completely ignored my question asking if she has sent the planning references to the other side, so I am assuming she had forgotten to do that. She is beginning to annoy me now! Just answer the questions!!!
Does anyone know if we even need planning documents for an extension built in 1990?
Congratulations steeleeye! Enjoy your new home!
Welcome to those that have had offers accepted, fingers crossed it all goes relatively painlessly for you!
Waiting for the searches is a bugger as there isn't really anything you can do to speed if up. I did (in a warped way) enjoy looking at all the maps that came with ours, flood maps and site plans from when the estate was built in the 60's (yes I'm a map geek!).
We're just waiting for dates for exchange and completion now I think. We prodded the solicitor yesterday as if we're going to be done by 7 April we need to give notice on the flat by 7 March. Really hope the dates work out otherwise I'll be doing the move on my own as DH is away for large chunks of late April and May.
Oh and took the in laws to see the house at the weekend and measured for curtains and decided on paint colours for bedrooms! Made it seem more real though still daren't get over excited!
Leo, I've been looking at old maps of mine online.
There's an 1850 Ordnance Survey map that is so detailed it shows the position of flowerbeds and trees in the garden, and also terrier maps that tell us who owned it from 1809 onwards.
Hope you don't have long to wait Leodensian.
I have spent the last 2 days filling in a million forms for the mortgage and the solicitor. I am quite stressed now as realised after signing loads that my signature these days is absolutely nothing like my driving licence that I am using for my photo ID. It is the one from when I was 16/17 so a long time ago. It is quite curly and actually legible whereas now it has developed into a scrawl. I sign my name a lot at work and it is long so these days it is just a mess. Had a mini tearful breakdown/panic but hoping it will be ok.
I had forgotten just how much paperwork was involved.
Our purchase house is now showing as STC on Rightmove though so that is something at least
How is everyone else getting on?
Hello. Can I join in pls?
Sold our house earlier this year and decided to break the chain as we missed out on the property that we really loved. So we have moved into rented. We have now found and made an offer on a house in a nearby village (not as lovely as the first house, but still very nice and ticks all the boxes).
So the emotional roller coaster starts again:
Completion date agreed as end April/early May
Bank's surveyor values house massively under selling price
Everyone involved is amazed. Then turns out surveyor was there for about 5 mins, has no local knowledge and was very rude to vendor
Bank issues new mortgage offer for less
New sofa budget now seriously squashed
Completion date now moved to June to fit in with someone else
Now waiting for our own surveyor to conduct a survey later this week and for vendors to return forms to their solicitor.
The only upside is that our solicitor is proving to be very on the ball.
Argh that is a nightmare about the mortgage surveyor, i really hope your independent one can give you reassurance. I'm praying this doesnt happen our end, as we paid more for the location than the house IYSWIM so if they have no local knowledge they may think its over priced.
We have just received postal confirmation of mortgage and now awaiting the surveys to be organised and done.
nanny plum probably too late now but we did it all over the phone - over an hour call but no paperwork or signing needed and just drop wages slips into local branch.
hows everyone getting on?
None here either!
Didn't get indication of exchange /completion dates so we will unlikely be moving till end of April/May. Annoying but we were probably overly optimistic with time scales anyway.
nothing here really either. sooo slow! drove past my house today. still love it, which is lucky!
Just saying hello, still checking rightmove every day. The only house I like is 200k over budget. I am weirdly obsessed with when my ex house that wasn't to be sells.
think thats normal Precious. we lost one last year. i drive past it everyday on my way to work. look at it everytime. and strangly intetested in what the new people have done to it
We have sort of anti-news.
We just went to have a look and make sure the planning permission notices were up on the lamp posts. They weren't. So dh popped in to have a chat with the vendor (their offices are above a lovely cafe that the trust runs) who said yes, they've been hassling the council and so far all they can get out of them is that the permission will be done by 26th April
So, we won't be moving at Easter. Just as long as it's done by July when our mortgage offer runs out.
On the plus side, nice bacon sandwich.
We have just had money come out our account for the new mortgage fee/ home buyer survey that they are doing so hoping that means the mortgage is ok in theory if they are progressing to valuation etc.
Turnip- sorry you have a delay. Is this work you are going to do on the one you are purchasing?
Precious- so frustrating, hope you find something soon. It is always the same that you never quite have the budget for what would be ideal
Diet- hope your queries are back soon.
I am waiting with baited breath for the latest council tax bill so I can forward it on to the mortgage people since last year's one that we sent is practically out of date. Who would have thought I would be desperate for such a thing to arrive!
Nannyplum - our planning permission is for change of use back to residential from a care home for adults with learning difficulties. The irony is, because it was a holistically run home that used a family model of care rather than institutional, most people around it didn't even realise it was a 'care home' as such, just a household with some extra adults in it! But the planners like things to be in neat categories.
I would have been happy to move in at risk because I don't think there's any danger of the permission being refused, but the mortgage company won't release the funds until it's made official.
sorry to hear of your delay. Everything is so slow isn't it!
Our planning details are back now, and I have proved my solicitor sat on the details for 2 weeks. Not happy but nothing I can do now.
Still awaiting FENSA certs for the windows. Told am unlikely to exchange next Friday now due to delays.
My solicitor had the nerve to say it might still happen if the other side pull their finger out. Um they were not the ones who sat on the planning reference number for 2 weeks until I prompted!!
So do I give my notice in on the rented house Friday if we don't exchange? as it is I will have most of April as an overlap. I can't afford May as well.
I hope things get moving smoothly now diet
We have our buyer's homebuyer survey tomorrow morning. I am bricking it and tidying like mad
not sure they report on tidiness Nanny I would be the same though!
Nanny can you imagine if they did reporting tidiness and cleaning standards.
Mine would read skirting boards need cleaning and has a huge amount of clean laundry piling up because she can't be arsed to fold and put away, scaffolding will be required as it is becoming a hazard.
mine would say teenagers room are health hszard
just waiting for one certificate now then we should be on for exchange.
does anybody know how the first mortgage payment works. Aiming to complete on 28th march now. I asked for payments on the first of the month. so assuming 1st may with a bit extra to cover the last days of march?
No idea about the first payments Diet, but it's probably something we should look into too!
We have finally had paperwork through (contracts, full report, stamp duty forms). Annoyingly the garage isn't on the block on the same cul de sac as the house but around the corner and down the street a bit. Seems bizarre to me, particularly as there is a covenant (is that the right word) that stops the parking of cars on any area of the property other than the garage. But it'll be year