The all new buyers/sellers waiting room (continued x3) thread!

[fromtheshires]

As @movingtoplan has finally flown the nest, I have taken the torch and started a new thread as there are less than 80 replies remaining on the current thread before its full!

We've had lots of completions, exchanges, offers accepted, maddening conveyancing teams, strange requests, and worries to last a lifetime. Welcome welcome.

Catch up here: Previous Thread

Good luck to you, whatever stage you're at in the process.

My update is our onward purchase was completed months ago but due to buyers pulling out we had to start again with a buyer and they are just in the final stages of conveyancing and we are talking dates! I really hope I am not on the next thread.

And yeah, I'm entering into breast cancer age risk territory. Glad you recovered @BG2015 . Having lost some good friends to cancer at a young age, I'm making sure we don't move too far away from The Christie hospital.

No history of it in my family. Regular exerciser, good diet - total shock. Having cancer has triggered our downsize really as I want to retire in the next 2-3 years.

We are taking out critical illness/life plus sickness income insurance and some other bits for my husband as he is a self employed musician. We were already paying for life/critical illness since we bought our current house, but we are older now and taking out a bigger mortgage so the premiums have increased quite a lot. It is a lot of money but we can make it work so it feels like the right choice. I'm 40 now and my mum was diagnosed with breast cancer at 40, that's definitely on my mind.

Morning all
Just on here to say my husband is a massive twat. He just casually announces to me last night 'oh I put so and so's present and fuel on the credit card'.

I ask him why the fuck he's done that when we literally have tens of thousands in our joint account and he said he couldn't be bothered to use the joint account card which is in the same wallet as the credit card 🤯.

It's only £180 and gets paid off in full every month (we use it for the points and zero forex fees) but i told him months ago to stop using them. He doesnt realise what even small balances can do to mortgage applications and when I told him this all i got back was 'its under £200 and everyone has credit cards'. Well they may do but they aren't trying to buy a fucking house and banks are being fucking twitchy.

Honestly he grips my shit sometimes with his attitude to money and lack of consequences.

Rant over. Have a good day all 🥰

@fromtheshires I sympathise! My husband also does stuff like this.... he is self employed and gets paid in cash a lot (musician) but he does declare everything, I designed spreadsheets etc and he has an accountant. However he doesn't pay all money into his business account as the bank charge him a percentage so he buys all our food shops etc with cash. Told him to make sure he was paying everything into his bank account months ago. Then came to make full mortgage application and saw that he absolutely had not been (because he didn't realise it was important) and his accounts didn't remotely reflect his earnings. Cue lots of stress and scrambling pulling all his invoices together as supporting evidence.

We did get our full mortgage approved in the end but it took a month and I'm sure this is why!!! This was with HSBC as well who i believe are quite strict lenders. Anyway your £200 on credit card seems much less worrying so I'd bet it will be fine. But totally empathise with you!!x

Thanks, glad it's not just me who has a partner who cant do simple tasks.

I know the £200 wont be an issue, it's just the total lackadaisical approach to it all that pisses me off.

I do all the finances as I was always taught to be fiscal and he doesn't get it as his family let him have whatever whenever so thats how him and his brother are as adults.

I think i woke up on the wrong side of the bed haha

You're definitely not alone @fromtheshires 😭 so infuriating. DP actually went to the doctors this week as he felt stressed because of the move, he's literally not had to do anything for it or plan the logistics around it. Having to bite my tongue.

Oh if my husband did that I would probably smack him into next week for being a fraggly melt 😂 (figuratively I mean, not literally).

I said at the start this one is all on you as I 100% managed the last sale and purchase. It got as far as making the offer on the house we are buying before he gave up and then he moans at me for being obsessive about the purchase 🙄.

Well if you bothered to do anything i wouldn't have to be so obsessive.

Jesus, i really did wake up on the wrong side of the bed

My DP is sick of me talking about the house move. But it's like an obsession. It's all I think about. He just says....it will happen when it happens 🤷‍♀️😡

Men & women are so different.

@fromtheshires honestly I was fuming! @BG2015 just had this exact conversation with DH, he is really good at compartmentalising where as I get a bit obsessive! But ultimately it's the obsessive ones that get shit done!!

Yeah my partner is so chilled about everything and just says if it's meant to be, it's meant to be. He's asleep as soon as his head hits the pillow and I'm there listening to Stephen Fry telling me stories for hours so I can try to calm the voices in my head!

Sorry to you all with annoying husbands. My STBEH has just made me cry.

He did acknowledge it's harder for me but I could have done without the you've put the house on too high and wouldn't listen so I gave up. Especially as earlier he had threatened me over money. I have just explained to him very clearly my medical diagnosis and that it isn't that I didn't listen it is that I didn't hear him say it's too high. I heard him say yes to me saying shall we put it on at X? I'm wondering now if he's messing with my head☹️. I don't think he would as he's a twat but don't think he'd cut his nose off to spite his face. So, if no offer tomorrow I'll ask if we should reduce. It pisses me off as why would the agent agree to it if he really felt no.

Are you me? I have to listen to the no sleep podcast or twilight zone stories to get to sleep but he's out light a light after 5 minutes of deciding to go to sleep.

I am very impatiently waiting for confirmation of funds received and that we have completed.

I'm trying not to worry about the day getting later as the solicitor and EA don't seem to think today won't happen but dear god I can't imagine this wait if you had a moving van sat with all your belongings and no where else to stay.

I am never doing this ever again. And I say that as someone who has been lucky so far with how quick this process has been.

Another one from the previous thread has flown the nest. Congrats @Unexpectedbaby

I've had an update from my EA...
First couple are coming back with their grown up son tomorrow.

2nd couple has had a meeting with his mortgage broker and has registered an interest in the property and may come forward with an offer in the coming days...

I hope he does and it's the asking price because if it's not I won't beable to afford the house I was just about to exchange on :/

Asked solicitor to confirm receipt of signed contract etc posted through door last night: no response 🙄
EA seems to think top of chain can complete in next three weeks. Bottom is ready to buy ours, just a few in middle with bits to do but nobody seems to pull the whole chain together 🤦😡
Desperate to exchange within the fortnight.
Good news is that STBEH agreed to move his half of furniture he’s taking in the next 3 weekends. He’s been putting it off.

We had our first viewer today, i
buggered off out with the kids and left the estate agent to it. Should we expect to get some feedback or anything at any point or only if they are interested?

sympathies on the other halfs. I was running around killing myself this morning getting the house super clean, husband comes home from work and literally doesn’t even ask how things went. He had zero interest in any of this process and everything is left to me.

You might get feedback, you might not!

We got feedback from the agent immediately after the viewing. Then another call to say what the viewer had said after thinking about it. Completely opposite of what he'd said at the viewing and what the EA expected.

We've had lots of viewings and "feedback" is normally pointless. Really you just want a yes or a no. Them thinking your garden is overlooked or oh the road is a bit too busy isn't really all that helpful since there's not much you can do about it. We had 1 useful bit of feedback from 1 guy and we are taking action on that.
What I really hate though is people who bang on to the estate agent about how much they love it and how they're going to call back later today with an offer and then just ...poof .. disappear. What's the point in that? Why pretend? Really pisses me off.

@Itsrainingten For me the worst was people who are just out for a day wanting to have a snoop or people who just failed turn up when I'd been running around like a mad person trying to clean and tidy!

Feedback is generally pointless unless they are honest.

Feedback we gave was constructive that the buyer could work on or have put in the listing such as the listing really needs to say vehicular access to the house is granted from the farmer and you have to pay him whatever he wants that year (we wouldn't have viewed otherwise), a lengthy neighbour dispute was disclosed on the viewing by the estate agent so it put us off (again wouldn't have viewed), the house was literally so filthy we stuck to the floor and the white switches were coated in thick black dirt and there was no way we were going to move and have to gut the place.

Feedback we got was; we weren't looking for a 4 bed house, we wanted a separate dining room, it was too big, they didn't like the drive was at the back of the house (corner plot) which were all readily available from the listing

Feedback doesn't always come, sometimes they just ghost the agent.
Weirdest one we had was they couldn't see out of the upstairs windows, i'm 4ft11 and can :/

Hello all!

House went on the market on 13th June. We had two viewings on the first weekend, no offers. Both had criticisms of the house but nothing we can really change I.e ceiling height on stairs and size of 3rd bedroom.

On the second weekend, we had two viewings lined up, both cancelled. One lot said they’d decided against the area and one just couldn’t make it anymore but would rearrange.

Another viewing due tomorrow, wish us luck. It’s a slow & painful market seemingly at the moment- do we think it’ll pick up after GE?