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FTB stress

2 replies

ChocoLover7 · 26/10/2021 14:57

We are FTB who put an offer in on an apartment about 6 weeks ago. There is no chain whatsoever so we expected everything to happen fairly quickly. The vendors wanted to exchange by 5th November. The property was about 50k below our budget because of the short lease but we will extend this in 2 years time.

So we were supposed to have a valuation 2 weeks ago. I haven't heard anything other than our brokers who say Nationwide want more bank statements (which were sent a week ago). Today after asking my broker for an update, I was informed that the valuation did not take place 2 weeks ago as the vendors took back the keys from the estate agent as they are doing some work on the property and won't give them back until next week the earliest. The estate agent did not inform me of this which I think is extremely unfair. Why would the vendors work on the property now when they could have done it before? Will this affect the valuation of the property? Does this increase the likelihood of us not getting the property?

We are FTB and clueless as it is but the lack of communication is ridiculous. I can't get through to the estate agent, and our solicitor said he hasn't heard from the vendor's solicitors. We really had our heart set on this property but it seems the vendors aren't serious even though they put pressure on us from day 1 that they would like everything to happen quickly. Any advice?

OP posts:
Cocomarine · 26/10/2021 15:10

Honestly, that sounds like the usual shit when buying a house! That might not sound reassuring, but I wanted to maybe reassure you that stuff goes wrong all the bloody time so don’t panic that it means it’s all about to collapse - just keep pushing your estate agent and solicitor and mortgage broker.

Interested re the lease though… why didn’t you make it a condition or purchase that the vendor extend the lease? (even if you were paying the extra in the purchase price for it)
Short leases can be a problem for mortgagors.

Outnumbered99 · 27/10/2021 11:37

Agree with pp- a short lease may well be a problem for the lender. I assume vendors realised the survey would show something up so got the work done, or perhaps they had something urgent like a water leak. Express with the agent that you are not impressed with their lack of communication but sadly its not uncommon.

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