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Original poster

Please can someone advise on how to buy a house?!

29 replies

CinnamonSwirlLatte · 10/08/2024 09:15

Divorce finacials are finally agreed. Former marital home (which ex lives in) is to go on the market. Equity to be split as per agreement, then used as a deposit for a new house.

At what point do I start viewing and making offers on properties?

Is it after we've accepted an offer on the former marital home?

What if I find a property I like but ex doesn't? Or vice versa?

Do I have to wait until he has also made an offer on something before I can proceed?

If his chain collapsed does that mean mine will too?

I cannot wait to be out of his control ❤️

OP posts:
Original poster
CinnamonSwirlLatte · 11/08/2024 08:24

CrotchetyQuaver · 10/08/2024 15:22

Stay in your rented place until your share of the house sale proceeds is sat in your account. Then start looking. Your ex can't mess you about that way. Nothing to stop you talking to mortgage advisors in the meantime to find out how much you are likely to be able to borrow and start trawling rightMove to see what's available. You could also research solicitors for conveyancing and get one of those lined up so you're ready to go when you find the right property.

Hey. I'm currently on Rightmove 14 times a day, have a mortgage advisor and think I know which solicitor I'll use for conveyancing 😂 can you tell I'm excited (but also absolutely terrified) to get a secure place for me and the kids?!

OP posts:
Sfxde24 · 11/08/2024 08:33

In your circumstances I would be prioritising places with no onward chain as it sounds like a smooth move will make it all much easier. I think an average move is around 4 months now so once you have a confirmed buyer I would start making offers.
Good luck with it all!

IMustDoMoreExercise · 11/08/2024 08:42

Changingplace · 10/08/2024 10:52

Oh, so are you buying outright not getting a mortgage? Are you sure you get six months grace on that and can still claim?

I’d have thought they’d say that the money from the sale is what you need to live on rather than keeping it aside while you still claim UC? Surely you can’t have enough money to buy a property outright and still be entitled to benefits?

Edited
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The government wants people to buy houses otherwise the government they will have to pay housing benefit for ever.

Would you rather that happened?

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Original poster
CinnamonSwirlLatte · 11/08/2024 08:50

Sfxde24 · 11/08/2024 08:33

In your circumstances I would be prioritising places with no onward chain as it sounds like a smooth move will make it all much easier. I think an average move is around 4 months now so once you have a confirmed buyer I would start making offers.
Good luck with it all!

Thank you. I wish I could be so fussy but with six children, a small budget and a more expensive area I am extremely limited sadly

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