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Original poster

Is our buyer a messer?

50 replies

Snorkers · 24/06/2022 07:22

We accepted an offer on or house 5 weeks ago. Called my agent yesterday as still haven't heard when our buyer's mortgage survey will be, apparently she hasn't even applied for her mortgage yet!

They said she is getting one last piece of documentation together for the broker after which it will be submitted.

Is ths normal?

We applied for ours 4 weeks ago and our ongoing purchase survey is today.

Never dealt with a buyer needing a mortgage before so any advice appreciated.

OP posts:
Candleabra · 24/06/2022 07:31

Has she appointed a solicitor? Have you had the offer in writing?
You’re right, it’s not a good sign. I would expect the mortgage application straight after offer accepted. Some buyers wait until after it’s approved (and the chain is complete) before instructing the searches. Sounds like there is no reason for any delay from your end. I would speak to the estate agent today to express concern.

How quickly did you sell the house? Would you get another offer soon if you said no to this buyer?

MyfavouriteisA · 24/06/2022 07:31

No, you shouldn’t have accepted the offer nor taken your property off the market without stronger evidence that your buyer would be able to proceed. She may not qualify for a mortgage for all anyone knows and you’ve lost 5 weeks of finding a potential purchaser. The agent should have been chasing her and setting a limit, say 5 working days, to provide them with evidence of her mortgage application, appointing solicitor, etc. from when you accepted her offer.
I would get the agent to earn its fee and chase this or remarket the house.

Original poster
Snorkers · 24/06/2022 07:37

God I am so angry - the agent shoudl have spotted this surely.

We sold witin 48 hours, well - she offered along with 4 others and then it went to best and final.

I only found out as she wants a 'measuring up' (second?) viewing today and I casually asked about the survey.

I am minded to say no to any second viewing until mortgage agreed. What woudl you do?

OP posts:
QuillBill · 24/06/2022 07:38

No it's not normal.

Put it back on the market today.

Original poster
Snorkers · 24/06/2022 07:38

Sorry - she has sold her property and it's much further along the process - but she needs a mortgage to buy ours....

OP posts:
wonkylegs · 24/06/2022 07:41

We accepted an offer at the end of May, their mortgage survey was completed 7days ago and they came back to us with queries on Monday, sorted them out on Weds, now just working through paperwork.

Sillystripytail · 24/06/2022 07:44

I would've dropped her within 2 weeks of there being no mortgage sorted. We got an application in principal before we even made an offer. Get it back on the market so you have today for people to see it and the weekend for viewings.

dubyalass · 24/06/2022 07:45

I've just had an offer accepted. Offer accepted on the Friday, solicitors appointed the following Monday, mortgage application in two days later but I had all documentation ready to go (and really, so should she, unless it takes weeks to get a bank statement or investment certificate or whatever). I would ask what she's waiting for and why before allowing a second viewing. It might be out of her hands but none of us can say why!

ClearestBlue · 24/06/2022 07:47

Not normal. I would put the house back on the market.

Original poster
Snorkers · 24/06/2022 07:49

WWYD about the viewing today?

She isn't even able to proceed at this point in time, I can't see the point of letting her view again.

OP posts:
QuillBill · 24/06/2022 07:53

No there is no point. It's viewings tomorrow by new people you should focus on.

I can't believe the cheek of her.

Candleabra · 24/06/2022 07:57

No point in second viewing. That’s for right at the end when everything has been confirmed.

Speak to agent and instruct them to put it back in the market and get them to also ring all the previously interested parties. It’s not too late to get viewings booked in for this weekend.

welshpolarbear · 24/06/2022 07:58

No, say no viewings until mortgage. She can't have time for viewings yet not have time to sort mortgage paperwork.

Say that you're concerned it's not going to go through as you've waited so long for her mortgage application to be made. Viewings can be done once it's finalised. If she can't give a reason, give her a fixed date (by Monday) to provide evidence or you'll put back on market.

carefullycourageous · 24/06/2022 08:01

Snorkers · 24/06/2022 07:49

WWYD about the viewing today?

She isn't even able to proceed at this point in time, I can't see the point of letting her view again.

No, do not allow a second viewing and do not remove the property from the market until they are in a position to progress.

I would consider changing agents TBH, they have really let you down here.

If you got multiple offers, you can sell again.

YellowDots · 24/06/2022 08:02

I agree that second viewings are for at the end. You measure up after exchange.

JuneJubilee · 24/06/2022 08:03

Snorkers · 24/06/2022 07:49

WWYD about the viewing today?

She isn't even able to proceed at this point in time, I can't see the point of letting her view again.

I'm in two minds. It doesn't hurt to let someone take a few measurements, but on the other hand she's appears to have done Jack shit to get her mortgage sorted.

I think I'd let her come alone (no agent) and use the opportunity to talk to her & see where she's at.

WeAreTheHeroes · 24/06/2022 08:05

She can have a measuring up viewing after her survey's been done. But, I'd be tempted to let her come round and find out from her what's actually going on. She may have had to change mortgage company or something else and you can't be sure the EA has got it right.

WeAreTheHeroes · 24/06/2022 08:07

It's completely normal to have a second viewing before making an offer so I wonder if the fact it went to bids has thrown her?

Original poster
Snorkers · 24/06/2022 08:08

Hmn. She is already due to come over alone, I may quiz her and then if she's not got a good story then put it back on the market.

Good suggestion thanks.

OP posts:
Original poster
Snorkers · 24/06/2022 08:09

Not round here (Mid Sussex) it isn't!

You snooze and you lose, although that may be changing soon hence my concern.

OP posts:
Whinge · 24/06/2022 08:17

WeAreTheHeroes · 24/06/2022 08:07

It's completely normal to have a second viewing before making an offer so I wonder if the fact it went to bids has thrown her?

I think it used be to normal in the past, but all those I know who have bought a property in the last year or 2 haven't had a second viewing until much closer to exchange. The market has been so crazy that many only had a quick viewing before putting in an offer.

As for the OP's buyer, I agree with many other posters and would be putting the house back on the market.

SpiderinaWingMirror · 24/06/2022 08:21

Your agent is piss poor.i used an online agent and even they didn't mark it as STC until they had mortgage in principle and had instructed a survey.

Piffle11 · 24/06/2022 08:22

Get it back on the market. I think your estate agent has majorly messed up here. I used to work in an estate agent office, and they would never have allowed a deal to be done without a mortgage offer in place. What if she cannot get the mortgage? You may be in the situation where you have lost the other potential buyers.

giggyb · 24/06/2022 08:25

To show the other side, we are buying & had a mortgage aip but the actual mortgage took 5 wks.

giggyb · 24/06/2022 08:30

An aip is no guarantee anyway when rates are changing, deals are disappearing & banks are tightening up.

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