First time buyers, confused!

[DownstairsMixUp]

Hi,

We are first time buyers buying a share in a new build. We decided to go with a broker as to be honest, it's all new to us and we wasn't sure on things.

Anyway, the broker found us a deal with nationwide. Nationwide have hard checked us straight away, all come back ok and they offered an amount in principle. All paperwork completed and sent off etc. Today had an email from the housing people saying our purchase has all been signed off and approved and they are all ready to instruct the sale.

She's now not in till Wednesday (typically) but I don't understand why the solicitors are being instructed yet? On our brokers website nationwide are still reviewing our paperwork? I'm worried that this will all fall through at the last hurdle and we've been hard credit searched which has knocked our credit score and we've completely lost out?

Help! I honestly thought nothing would get started till the mortgage was confirmed!

You always start it from the get go as the point of it is that you should get approved if you have a DIP.

It's entirely normal, a typical conveyancing takes about 12 weeks if all runs smoothly. There's likely to be hurdles. So instructing a solicitor is nothing.

Thank you. I feel like a rabbit caught in the headlights to be honest; we were offered this as someone pulled out so thought we were waiting for the next phase of houses so it's all been quick and I've barely had time to sit and think for myself.

Don't worry and don't panic. Take your time. Do things on your terms because it's not worth wasting money by overlooking things. Just breath!

Thank you! We had a text from nationwide and the valuation is next Wednesday and our housing officer has set a completion date of 9th of April!