Support thread for MN's trying to buy a house

[financialwizard]

I can't find another thread like this, and I thought we could do with a sister thread to the trying to sell.

Thought I'd kick off with my rage!

Currently exchanged on the house that I have sold and living in husbands work accomodation so my situation is not dire, but still.

We offered on a property in August. It is a vacant property, and we said that we would like to exchange contracts 18th October with a view to complete no later than 1st November. We got the house at 95.8% of the market price.

So far we have not received the fixtures and fittings list, even though the vendor completed them the week before last. I have been back several times to measure up for lino in the bathrooms/curtains/take pictures of holes in the wall (for my decorator - there are lots). Went back this weekend just gone to check a couple of things (I always forget something) and the vendor has taken all of the bathroom fittings (toilet roll holder, etc), all of the curtain poles, all of the blinds. Now I am beginning to get a bit worried she is going to pull up all the carpets as well (not budgeted for them). I know I am going to have to wait until I get the F&F list but I am feeling slightly nervous at the potential cost of replacing things like carpets now (the whole house - 5 bed is carpetted). Aaaaaarrrrrrrrrrrrggggggggggghhhhhhhh.

My old man is going away for business just as we are due to complete as well, so it is going to have to be me to deal with it all. Really looking forward to this move.......NOT!!!!

Never EVER doing this again.

Kato how much deposit are you putting down? Your mortgage deal is GREAT! Take it now!

Hey LST it's a 75% LTV it's a broker deal through Accord.

Just waiting for something to go wrong; the HR and single survey (Scotland) is spotless, the price is great but my Solicitor thinks we can go lower, school catchment is spot on, I completely adore the place and it fits our very quirky requirements!

We're trying not to get too ahead of ourselves but DH has already made plans in his head to paint the attic/office as a Green Screen room! (as you do!)

Solicitor thinks we're in the perfect position to offer low, with our flexible move date (from immediately to Feb) but I've stressed to her how important the house is to us.

Hello, can I join? Am also on the sellers' thread... We have had an offer accepted on a quirky house we really love, though the location wasn't our no 1 choice. You can't have everything. Our mortgage has been agreed. We have been agonising about whether to go for the homebuyers' or full structural survey but have decided to go for the homebuyers and then get a builder to come and have a look at it with us and help us work out what actually needs doing. It has a dodgy 70s loft conversion which will need some work doing, and there may also be a damp issue. We will also need to replace the kitchen and redecorate. We're not sure whether it will need rewiring and a new boiler. My FIL thinks not - he came and had a look and said the wiring is elderly but was done well in the first place and has been well maintained, and the boiler has been regularly serviced so we can probably just wait till it breaks down and then replace. We have about £20k set aside to do work to the property.

Well I chased my solicitors today and they have got the 'matrimonial home rights' removal undertaking from the vendors solicitors. She has to get confirmation from the lendor that they are happy to release funds Friday 26/10 and then we can exchange. Big BUT coming though. They have to speak to my husband on the day of exchange by 5pm and he is teaching some army vehicle driver training in the middle of nowhere. This will be interesting.....lmao.

EXCITED!!!!!!!!

Hi Woodlands yes I also have concerns about our attic conversion. Truth be told I'm just looking for something to go wrong, but it's very nicely done and has a proper fixed staircase.

Keep me updated with this please, my FIL is coming to our next viewing of dream house to do exactly the same!

Kato thanks for sharing your mortgage deal. I've got one with Skipton with a whopping interest rate of 4.69%.... but we only have 15% deposit. And do try and be positive and hopefully things will stay on track .

Finanace yay! This is great news! I'm sure that they will be able to get hold of your DH. I'm keeping my fingers crossed for you.

Woodlands I think that you are being very sensible by taking a builder with you. I think we've decided on a survey in between the homebuyer's report and the full structural.

London. Not to make you all pig sick or anything but I am on a 2.89% deal with Barclays. I have got a 48% deposit though (been lucky with houses going up in value).

I hope they can. Very very excited now!

Oh just spotted your post financial hoo-bloody-ray! are you breathing normally yet? I almost forgive you for your sexy sexy interest rate!

It's probably for the best that my manicures have been struck from the new budget, reckon I'm going to be chomping them off for the foreseeable!

Finance

Kato Well done on being so positive

I'm so glad we're moving this week. We managed to get a 2.7% rate with the Coop, but that would have shot up by a whole percent if we didn't complete this month.

Good going nancerama

I am stressing now. Flaming husband is not going to be home any time soon. Son is on the phone with his girlfriend constantly trying to push me into making arrangements to take him and his girlfriend to the cinema which is over 50 minutes away from the new house which will need wall paper stripping and all sorts with a two year old in tow. Must start thinking of the positives instead of the stress andtellsontosodoff

I think we'll need to look whether it is worth us redeeming our mortgage (paying a 3k penalty) and switching before we move in Feb - we're on with HSBC at about 5.5% fixed (until 2014, when we can exit and remortgage with no penalties). Got a 150K mortgage (15 years remaining) with >50% deposit. Can anyone do the maths for me?

Feeling it today ladies. No news on exchange (the solicitor is waiting for the lender to confirm they can release funds Friday next week). The painter and decorator I was going to use has gone awol and my son has been declined entrance to the school I put him in for due to being oversubscribed.

Can I cry now?

Meltdown, now we are ready to exchange but the solicitor cannot get hold of my husband because he is in a field somewhere in the middle of nowhere. Why are these things never simple?

Finance So sorry that your DS didn't get into school of your choice. How old is he?

Hope that the solicitor can get hold of your DH. Hope that he'll get through to him soon.

I'll keep everything crossed for you.

Thanks London DS is 11, the school he has been offered is 6 miles away so I will accept it but am still going to appeal for the one nearest us as it is 1.1 miles away, and is a sporting excellence school which would be fabulous for DS.

wizard I have everything crossed for you.

I can stop getting so wound up now. We have EXCHANGED!!!!!!! I cannot tell you how excited I am to be able to plan and buy things now! OMG I am a nightmare.

Thank you for putting up with me ladies.

Oh financial! Thank god! I missed this thread today so sorry for late hand holding! Sorry about DS but I'm sure everything will work out! X

Thanks ladies.

I really hope everything starts going smoothly for you all. Will keep my fingerscrossed xx

Congratulations Finance!!!

What a fab way to start the day.

Just catching up - CONGRATULATIONS FW!!! Excellent news!

We are still twiddling our thumbs over here waiting for an exchange date. I am starting to get excited, though not looking forward to stripping wallpaper!

ha ha ha ha ha, I was thinking exactly the same about the wallpaper wendy

Wahhhh! Hey guys, well this afternoon I got a call from solicitor to say an offer had been put in on the house we want so they were looking to go for a closing date! Went to view this evening as planned and we've decided to put in an offer of the home report value plus £2k for all their appliances...