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Buyer has pulled out, don't know what to do next ...

6 replies

suzyrut · 18/05/2015 10:42

Sorry for the massive essay but I feel like the decision is quite finely balanced and I'm tired and emotional about the whole process and not thinking at my clearest so I would really appreciate opinions on what you would do in this situation...

We have a pretty much brand new 4 bed 3 bath house it's a town house so there are things about the layout I would change and would cost about £25k to do it very nicely, we would do this straight away if we stay. When we bought said house dh and I shared the childcare drop offs/pick ups but since then he has got a better job but one that means he commutes into London every days so now it takes me 30 mins to drop 3 dc's at various places in the morning before my 1 hour drive to work. 3 hours total travelling every day pretty much.

So we decided to sell, have been under offer for 2 months and we were aiming to exchange last week and after about 1 million phone calls to the solicitors and estate agents because it went so quiet it turns our buyer had lied about having their mortgage offer and when a surveyor finally did come round last week he down-valued our house by about 10% (too much for us to move), so on Friday our buyer pulled out. According to the EA this is very rare and because none of the others in our development had been sold yet and he would not take any other sold prices in the area into consideration. EA also thinks we would be very, very unlucky for this to happen again and that it would sell quickly and even for slightly more than it was under off for before.

In the meantime we had found a house in a perfect location, older dc's can get themselves to school/school bus and the house, though it is more expensive, would be a better investment in the long run even though holidays and disposable income would be in short supply for at least the next 5 years. It would be like a building site for 3-6 months at least for stage one and even when it's all done we'd still be down a bathroom. The buyers have said they would wait (they were on for a long time because of the work needed) and we are ready to exchange which is all sunk cost now. Also had storage, temporary accommodation and all trades lined up to do all the work which I've spent the weekend undoing!

Despite my EA saying that it could all be back on in a week (I guess he would say that!) I have found the process incredibly stressful especially over the last few weeks and not sure, (even if it does sell quickly) I could go through another couple of months and related solicitor cost not knowing if it would just be down-valued again. I've actually started to think that getting another job locally would be less stressful than trying to move and would certainly be better off financially.

If you've made it this far, thanks! Any opinions welcome.

OP posts:
lalalonglegs · 18/05/2015 11:34

It is stressful but I would consider using a different estate agency: at a bare minimum, the agent should have chevked out your buyer's finances. I think the market will start moving now the uncertainty over thr election has been removed. Your solicitor costs shouldn't be too high if you sell again as a lot of the ground will have been covered with the first offer. Good luck.

Artistic · 20/05/2015 10:33

If you are happy where you are then moving house seems drastic just to overcome the school commute. Can you find a carpool or buses or childminder who could do that for you? (Less expensive than moving?!)

When we were looking at buying a new build we were told that the house value would drop a bit before it picks up. This is to set off all the new infrastructure costs (sewage, electric cables, lamp posts etc) which is built into the original cost. Sorry if this doesn't help, but it's better to be informed if you plan to sell again.

If you are happy here I wouldn't move just yet.

StreathamHillary · 20/05/2015 17:17

Shock that your EA allowed the buyers to wait 2 months before sending a surveyor / valuer round - that should be done or at least arranged within a week of accepting an offer! And yes, the EA should have checked their finances. And I am surprised your solicitor wasn't aware after all that time that their mortgage offer was non-existent!

If your vendors will wait some more, then a buyer can be found quickly and it can all be done swiftly IF new buyers found for you are not in a chain, have mortgage arranged, etc. Searches have to come back, they will need to get a valuation / survey done....6 weeks is possible....

TandemFlux · 22/05/2015 07:15

What were the original valuations for your flat?

Superexcited · 22/05/2015 07:20

It was very negligent of your agent to allow things to go on for so long when the buyer hadn't even arranged a survey. Usually as soon as an offer is accepted the EA starts phoning daily for solicitor details and surveyor arrangements.
If you find a new buyer quickly then your legal costs will not rise by much.

littlecupcake · 22/05/2015 07:46

Change to non managed for six months - would that make a difference?

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