Meet the Other Phone. Protection built in.

Meet the Other Phone.
Protection built in.

Buy now

Please or to access all these features

Property/DIY

Join our Property forum for renovation, DIY, and house selling advice.

Home Buyers' Support Thread, Part 4

999 replies

BeaufortBelle · 21/04/2015 20:45

Here we go.

Good luck everybody x

www.mumsnet.com/Talk/property/2139089-Home-Buyers-Support-Thread-Part-3?pg=40

OP posts:
nickEcave · 09/06/2015 13:33

Hi, I've been lurking for a while but delurking now for advice. Thought we had a really straightforward process going on. We buying from vendors who are moving away from London and have already bought their onward property. Our buyers are first time buyers who made an asking price offer very quickly and (according to EA) were in love with house and finance all lined up. We've had our survey done and are ready to exchange contracts.

Our buyers valuation and survey should have been today (was booked in 2 weeks ago) but they have cancelled it at the last minute with no clear reason given although they promise they will be rebooking it for next week. Our agent says they may have found a better mortgage offer hence the delay or they may be trying to string things out on purpose as they are in a rental paid up until end of August and we are asking for a completion date in mid-July so they'd lose about 6 weeks rent. We have asked the EA to send a strongly worded email and will consider threatening to put the house back on the market if they don't have the valuation booked in by next week but I'm scared we may loose our purchase if we go back on the market and we are now £1K down from mortgage arrangement, solicitors, surveys etc.

Would you get tough on these buyers quickly or play it more softly? Surely no one would be stupid enough to risk losing a house they loved for the sake of 6 weeks rent? Our house was very reasonably priced as we went on before the election when the market looked a bit dodgy but we're in a desirable bit of South London and similar things on the next street are on for £25K more than ours was so if they risk losing ours they will definitely have to pay more for something similar.

Cassie258 · 09/06/2015 13:57

Do you believe that they have a better offer and it isn't because the mortgage has fallen through?

Surely you would want extra time on your rent so you could get the house cleaned up etc? Maybe not that much time but why do they have so much rent paid in advance?

If they do have so much rent paid in advance, you have to assume money isn't a huge issue to them so maybe the 25k could be easier come bythan most?

If they have said it will be rebooked by next week then I'd wait and see if it is.

I personally daren't risk playing hardball. If you go too hard you could ruin everything.

nickEcave · 09/06/2015 15:11

I really don't know, maybe they are having trouble getting the mortgage agreed although I assumed that getting a mortgage in principle generally meant that you wouldn't have a problem getting the actual mortgage. When I said they'd paid rent until the end of August I meant they have a 6 month tenancy until the end of August and would be liable for the rent if they left earlier. However if you have that kind of rental agreement, start house hunting and find a property you like quickly then surely you accept that you take a bit of a hit on the rent. I sure the value of our house will have gone up by more than the cost of 6 weeks rent if they wait until August (they offered on the house at the end of April) so if they lose our house and start again they will have to pay more for something similar.

Cassie258 · 09/06/2015 20:32

No the agreement in principle isn't worth the paper it's written on. I've had three and finally decided to go ahead with DP only as it wasn't worth it due to my credit rating.

Why look for a house in April if you can't move out til August?! I know it takes time but it sounds like bad planning to me. We were on a rolling contract by the time we looked at houses so can't really comment. I'd have assumed they'd take the hit. If they're having to pay anyway they won't be saving themselves any money, so why not.

Yellowbird01 · 10/06/2015 00:10

Nothing is really happening on my purchase which is a bit frustrating.

I had my offer accepted 3 weeks ago and have done everything on my side really quickly - mortgage all in place, done survey, paid first lot of fees over to the solicitor but the seller has done nothing yet and still apparently hasn't found somewhere to buy though is continuing to view. Seller and estate agents all know I need to move quickly as I'm relocating to the new city for a job in a couple of months. They initially told me they also wanted to move quickly and were pushing me to sort my mortgage etc ASAP which I did - yet now nothing! Is this normal?! Confused

Cassie258 · 10/06/2015 05:52

Hmmm, it's normal ish yellow.

We couldn't move on until we knew what we were getting for ours. Then it took us almost two weeks to find the house we wanted + a week of arsing around due to the vendor and we knew the market and what was realistic. If someone wasn't that prepared then I could easily see it taking 3/4 weeks.

However, don't worry too much as their situation could change very quickly. Imagine if they looked at the house last weekend and were just waiting to see if they were highest bidder. By tomorrow everything could be on it's way Wink

McDreamyMcNastyMcHottie · 10/06/2015 09:46

I'm supposed to be completing today. Have everything crossed!

TheEmpressofBlandings · 10/06/2015 12:00

Not strictly house-related but if your DP is the only one on the house deeds Cassie, make double-triple sure he's written a will to leave you the house in case anything happens. My friend is in this situation and it's so precarious for unmarried couples.

Still nothing happening here, we just continue to wait... Extremely bored and fed up of the whole thing now.

HoneyDragon · 10/06/2015 13:10
Cassie258 · 10/06/2015 13:48

yes very precarious and downright annoying that he 'doesn't believe in marriage' but he is what he is an absolute knob for that and I luffs him!

hmmm, i too am getting a bit bored. How can we get so involved with bricks and mortar?

Everything crossed for you mcdreamy!!!!!!!!

PistolAnnie · 10/06/2015 14:19

Good luck McDreamy I hope all goes well for you today.

I am going to sign the contracts tomorrow and bring them home for DH to sign then take them back to the solicitor - I don't know why he can't just post them to us!

Hopefully we'll exchange next week then we'll at least have a firm date to work to, I know our buyer wants to complete on the 10th July which suits us too.

McDreamyMcNastyMcHottie · 10/06/2015 14:21

Whoop!! We've completed! Good luck to everyone still waiting.

nickEcave · 10/06/2015 15:00

Well our buyers have re-booked the valuation and survey for next week so I guess I was panicking too soon, although I have no idea why they cancelled the one this week. Finger crossed.

TheEmpressofBlandings · 10/06/2015 20:42

Congratulations McDreamy!

PistolAnnie · 11/06/2015 09:36

To those who have exchanged and or completed, how long before actual moving day did you start to pack? And did you dismantle bunk beds etc?

I'm starting to look around and think that certain areas and rooms will be quite quick and easy to box up but its stuff we'll need until the last minute like beds and kitchen bits

HoneyDragon · 11/06/2015 09:50

I've booked a packing service Grin

I'm boxing the loft and sheds and they are doing the rest.

blessedenough · 11/06/2015 10:02

After all the nightmare of the bottom of our chain falling out we have come up with plan B. We have a mortgage adviser coming to see if we can raise enough funds to buy the house and rent out ours in the short term, this is not an deal situation by any means. We previously did this when we got married and we both had our own places and in all fairness we didn't make any money and it was more hassle than it was worth but we are desperate not to loose our dream house.

The survey is going ahead today and I have had an update from our onward purchase agents - after 5 fecking weeks they have still not returned their documents so draft sale contracts have still not be drawn up. They should be ready by next week. They are buying a deceased property and they are notorious for taking ages but the EA keep assuring me that there is no hold up. I just don't get the sellers they want to exchange on the 9th July but wont do what they are supposed to - they have no chance at this rate.

If we do have to get a mortgage this does atleast buy us some time. I haven't had a mortgage in yrs so I have no idea how long these things take.

Its just all so frustrating.

McDreamyMcNastyMcHottie · 11/06/2015 10:40

We already lived in this house so no moving for us but we have previously moved a lot and I normally pack all the little bits such as books, DVDs, non essential gadgetry etc in the week or two before the move and the rest gets done a day or two before we leave or on the day. I normally enlist a small army of helpers though and we've never moved more than a few streets so a lot can be done in cars etc.

TheEmpressofBlandings · 11/06/2015 10:54

Packing service is the way to go! We used one for the first time moving here, completely brilliant and stress free and well worth the couple of hundred quid it costs.
We've had yet more crappy news on our side, council have pushed back the date of getting our search results back yet again so our vendors want to put it all off until after their impending holiday which makes it mid-July. Fucking ridiculous, am so sick of the whole thing. How can it take 4 months for buying one house with no chain and no issues?!?!

PistolAnnie · 11/06/2015 14:41

We've only really done Service moved before so although I've moved 7 times in 9 yrs I've never packed a house.

I nearly fell over when I saw how much removals are! The local non packed move was £700 or £900 with packing which would but me a lovely new sofa as my crap one has had it.

We're only moving 1 road over! I do understand it's the loading unloading wich is the 'job' but still it pains me!

PistolAnnie · 11/06/2015 14:44

Empress we've just had signed the contracts but not exchanged and the FTB now says she can only do Mid/late July which is such a pain in the arse as the house we're buying is sitting empty.

When is the council expecting your searches to be back now?

TheEmpressofBlandings · 11/06/2015 14:51

It's such a crappy process isn't it? It's literally the only thing we are waiting on, we've already paid deposit and everything. The council now say it'll be next week but somehow I'm rather sceptical. I'm pondering if there's some way of putting in a formal complaint, it's utterly ludicrous now.

blessedenough · 11/06/2015 16:03

We had the mortgage adviser around earlier and the sums work out. Then we get a call and our potential buyers have an offer on theirs. Now we have a big decision to make but atleast we might not loose dream house. Fingers crossed.

HoneyDragon · 11/06/2015 17:36

Waiting on searches and the bloody bastarding Electrical test here.

HoneyDragon · 11/06/2015 17:37

Glad McDreamy popped up with good news though, drags me out of my grumps when one of you exchanges or completes Grin