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Buyers asking for a 3k reduction

202 replies

cared · 02/02/2026 19:01

I’m selling my bungalow, and the buyers want a discount because there are no fensa certificates. My uncle, who’s a builder, replaced all the windows and doors 3 years ago. I offered to cover the cost of indemnity insurance to finalise the deal, but they declined and are now asking for a 3k reduction instead. The house has had a new boiler, rads, windows, front door, french doors at the back, new bathroom, flooring, guttering, a new driveway, and a few other minor updates. While it’s a small amount in the grand scheme of things, I feel like they’re already getting a good deal considering all the work I’ve put into the place, and honestly, I think they’re just taking the piss. AIBU to call their bluff?

OP posts:
ZanyMaker · 03/02/2026 10:35

DeftWasp · 03/02/2026 08:46

And I'd let them do that - the time for asking for a reduction is when you put an offer in - after that is poor form.

And the £3K does not fix the perceived issue, so if cheeky fuckery

I would simply tell the EA to put it back on the market, you will have another buyer soon enough.

And I'd let them do that - the time for asking for a reduction is when you put an offer in - after that is poor form.

While I understand the sentiment, when I have put in an offer on a house it’s on an assumption that the vendor has adhere to all regulatory requirements and has the certificates to prove it……

Elektra1 · 03/02/2026 10:45

ohtowinthelottery · 02/02/2026 20:14

We had our windows replaced by a builder about 4 years ago. He wasn't FENSA registered either so he told us we had to get Building Regs inspector out from the Council which cost us less than £200 IIRC. To be honest, for what he did when he came it was a complete waste of time. He only looked at one window - it's a 5 bed 3 bath house! But at least we've got a certificate if we come to sell. No idea about retrospective building regs inspections but if they're possible it'll be a lot less than £3000.
If you're not in a rush to sell I'd call their bluff.

Why not just do this? Tell the buyers you’re doing it and it may delay things but that’s what you’re doing. Then if you lose these buyers, at least you’ll have a certificate for the next buyers

DeftWasp · 03/02/2026 10:53

Elektra1 · 03/02/2026 10:45

Why not just do this? Tell the buyers you’re doing it and it may delay things but that’s what you’re doing. Then if you lose these buyers, at least you’ll have a certificate for the next buyers

I agree with this approach - a deficiency has been discovered, and you as the seller are sorting it out - knocking £3K off the price still does not address the deficiency.

Getting building control to undertake regularisation is a sensible approach that would cost way less than the £3K.

Most likely worth getting it done anyway, whether for this buyer or another.

DeftWasp · 03/02/2026 10:58

Wot23 · 03/02/2026 10:15

you have mentioned your willingness to purchase indemnity insurance, but bottom lines remains a FENSA certificate is required for most replacement windows or doors installed in England and Wales after 1 April 2002 to prove compliance with building regulations.
While not technically a legal document, it is essential for selling a property. If missing, a retrospective building regulation certificate or indemnity insurance is needed. The buyers want £3k as "compensation" for leaving themselves open to possible retrospective building regulation compliance inspection

As others have said, you cut corners, now it comes home to roost. Instead of indemnity, see how much it will cost you to get BR compliance. You might be surprised... scroll down for random google example of such cost
Domestic – Regularisation | Surrey Heath Building Control Consultancy

Bottom line however is the buyers are not being unreasonable in expecting you to recognise the impact of your shortcut.

Edited

So that's £438 rather than £3K, so the op would be wise to simply apply for the certification - whether she proceeds with the buyer or not, seems like money well spent to me.

If she decides to keep going with the buyer she can simply tell them its being sorted, there will be a slight delay.

Wot23 · 03/02/2026 11:14

DeftWasp · 03/02/2026 10:58

So that's £438 rather than £3K, so the op would be wise to simply apply for the certification - whether she proceeds with the buyer or not, seems like money well spent to me.

If she decides to keep going with the buyer she can simply tell them its being sorted, there will be a slight delay.

Edited

yes, she can look up what her own council charges and may be in for a pleasant surprise.
But until she does she can expect her buyer to continue "demanding" (a made up number) as that is what a buyer should do in the circumstances of no building regulations sign off

DeftWasp · 03/02/2026 11:24

Wot23 · 03/02/2026 11:14

yes, she can look up what her own council charges and may be in for a pleasant surprise.
But until she does she can expect her buyer to continue "demanding" (a made up number) as that is what a buyer should do in the circumstances of no building regulations sign off

Edited

I don't think demanding a made up number is the correct approach, especially as the number may be too low if the council says the instal is wring and its got to come out.

They should be asking for it to be sorted, if that's what they are concerned about.

Just asking for cash is not sorting the problem, and we know full well that the FTB's will not be using that £3K to get the council out to check the windows!

housethatbuiltme · 03/02/2026 11:42

I mean the house might not blow up but if your trapped by a fire and realize the windows and doors weren't safety compliant thats far to late to realize to doesn't open fully or it opens the wrong way or it isn't fire safe or doesn't open onto an escape area... thats literally life and death.

Doors and window are the BIGGEST safety regulation for that reason.

Yes lots of old houses don't comply, I kept emergency glass hammers in our old house because of non opening windows but we couldn't change that as a rental. One of the first things we did before we even moved in was find the fire escape window (most windows don't open except the top flap but as per the rules of the time we have one that comes apart in a multiway opening to fully open onto the lower extension roof. The extension is completely separated and fireproofed, the main house and that extension wouldn't burn through together unless someone deliberately burned both) in this house and plot the evac routes.

Where is your fire safe window?
Does it open on to a safe access area?
What is the fire burn times of your doors, windows and walls?
What is the smoke/oxygen abilities to slow the spread?

Why should they just take your word for it that your uncle who is not qualified just knew the importance of these things and 'says' it ok?

Seelybee · 03/02/2026 11:57

@cared buying the house with no FENSA certificate is the equivalent to buying a property where the windows were installed pre FENSA regulations. If I could see the windows were decent and the survey hadn't highlighted any problems imho it's a bit of a red herring to make an issue of it given that a reduction had already been given.
Basically you're not selling the house with a warranty for the windows.
I'm with you on this one. Sounds like a great buy for first time buyers.

GasPanic · 03/02/2026 12:46

ReadingSoManyThreads · 02/02/2026 22:19

How much is the indemnity insurance for it @cared ?

I'd either get that or the building control check that others have mentioned, whichever is cheaper, or thinking about it, the building control check is probably better, but that's just me guessing.

You'll need this for the next people who want to buy. Once you've done the above, I'd tell the current buyers they either accept that, or they buy a different house, then get your house back on the market. No way would I be giving them £3K off for this.

OR as you're not desperate to sell, I'd consider letting it out instead. You'll get capital growth, and if the worst happens, you still have your home to move back to if it all goes wrong with the boyfriend!

Edited

Interesting plan.

Fail to get one fairly simple regulatory task done, so instead take on another thing that involves regulation coming out of your ears.

FWIW I think they are not unreasonable wanting the certs, but are unreasonable demanding the 3K (from what other people suggest).

If you have confidence in the quality of the windows and the workmanship, then it should be relatively little effort to regularise them ?

Mumstheword1983 · 03/02/2026 13:58

cared · 02/02/2026 22:24

Thanks for all the replies, I really appreciate the advice. I’ve given it more thought tonight and I’m still willing to provide the indemnity insurance, but I won’t be lowering the price any further. I already accepted 5k less than the asking price since they were first time buyers and I wanted a smooth sale, but honestly, asking for 3 grand for some missing certificates is wild to me. I feel like I’ve been more than reasonable.

I’ve invested a lot in this place, and the only thing they’ll need to do is decorate it to their taste. There’s a new driveway, heating system, bathroom, flooring, windows, and doors. It all adds up. Every house has its issues, and if someone wants a flawless home, they should really consider a new build. I believe 185k for a 3 bed bungalow with a driveway that fits 3 cars, front and back gardens, in a nice quiet area is a great deal. It’s a shame others don’t think so.

I’ll give them one more chance tomorrow, but after that, it’s going back on the market. It’s their choice if they don’t want to accept, but I won’t be pressured or bullied into taking less. They think they have me bent over a barrel but they’re wrong I’m afraid. Fortunately, I don’t have to rush as I’m moving in with my partner. Thanks 🙏

Completely agree. Good luck 🤞🏼

Wot23 · 03/02/2026 14:03

DeftWasp · 03/02/2026 11:24

I don't think demanding a made up number is the correct approach, especially as the number may be too low if the council says the instal is wring and its got to come out.

They should be asking for it to be sorted, if that's what they are concerned about.

Just asking for cash is not sorting the problem, and we know full well that the FTB's will not be using that £3K to get the council out to check the windows!

precisely why I put demanding in " "

TimeForATerf · 03/02/2026 14:05

remind them they got the house for 5k less than asking and split the difference.

KeepPumping · 03/02/2026 16:36

PluckyChancer · 03/02/2026 08:23

Stick to your guns!

Depending on the market arguing for a few grand off for a spurious reason sometimes works, but as you’re not desperate to sell, stand firm and threaten to withdraw from the sale.

I had similar some years ago and was so pissed off as she tried this just before contracts were due to be signed, I actually took it off the market for 4 months. Luckily, the market was very active and I sold the property later for 50k more to a buy to let landlord who was a cash buyer.

That is not likely to happen now though, which is why caution is advised when pissing off buyers. I suspect they are working themselves up to pulling out anyway, usually when they want more discounts it is because deep down they are not comfortable with the purchase.

KeepPumping · 03/02/2026 16:37

TimeForATerf · 03/02/2026 14:05

remind them they got the house for 5k less than asking and split the difference.

Asking prices are not really relevant, it is sold prices for the area that count, and lender valuation, was their lender happy with their offer?

ReadingSoManyThreads · 03/02/2026 17:20

GasPanic · 03/02/2026 12:46

Interesting plan.

Fail to get one fairly simple regulatory task done, so instead take on another thing that involves regulation coming out of your ears.

FWIW I think they are not unreasonable wanting the certs, but are unreasonable demanding the 3K (from what other people suggest).

If you have confidence in the quality of the windows and the workmanship, then it should be relatively little effort to regularise them ?

Don't be so silly, I wasn't suggesting she let it out in order to not have to get the windows issue sorted 🙄

I was thinking of a long term investment/back up plan for her, as there was a chance that this sale would fall through.

And I wouldn't say being a Landlord "involves regulations coming out of your ears", I've been a LL for 20 years and it's really not difficult to legally comply with all of the required laws and regulations.

TimeForATerf · 03/02/2026 17:57

KeepPumping · 03/02/2026 16:37

Asking prices are not really relevant, it is sold prices for the area that count, and lender valuation, was their lender happy with their offer?

In your opinion, having moved house several times and recently managed to negotiate a 12.5k discount after offer was accepted because of ticks not being in the boxes then I’ll go with my own judgment, but thank you for your unwanted opinion.

DrPrunesqualer · 03/02/2026 18:04

cared · 02/02/2026 22:45

I have sent an email to the EA and said I’ll re market if they won’t accept the indemnity insurance. We’ll see what happens

Hopefully things went your way OP

Helen1625 · 03/02/2026 18:28

NaiceBalonz · 02/02/2026 21:55

So you were being cheap when you had everything redone and you're being cheap now, over 3K. That tracks..

What a stupid remark!

DeftWasp · 03/02/2026 18:28

DrPrunesqualer · 03/02/2026 18:04

Hopefully things went your way OP

Indeed, but either way, the OP is in no rush - if it has fallen through I would get the regularisation done to avoid a repeat with another buyer.

shhblackbag · 03/02/2026 19:15

ZanyMaker · 03/02/2026 10:35

And I'd let them do that - the time for asking for a reduction is when you put an offer in - after that is poor form.

While I understand the sentiment, when I have put in an offer on a house it’s on an assumption that the vendor has adhere to all regulatory requirements and has the certificates to prove it……

Exactly.

KeepPumping · 03/02/2026 19:28

TimeForATerf · 03/02/2026 17:57

In your opinion, having moved house several times and recently managed to negotiate a 12.5k discount after offer was accepted because of ticks not being in the boxes then I’ll go with my own judgment, but thank you for your unwanted opinion.

"recently managed to negotiate a 12.5k discount "

Looks like we agree that asking prices are not really that important?

DrPrunesqualer · 04/02/2026 01:15

cared · 02/02/2026 23:03

I’m really surprised that so many people here think it’s rare, because I actually know quite a few people without fensa certificates. It’s already expensive to replace them all, and then you have to pay someone just to come in for 5 minutes to sign them off, right? lol

You don’t pay someone separate to come in and sign them off. You get the certificate from the installer who should be Fensa certified

ZanyMaker · 04/02/2026 06:21

DrPrunesqualer · 04/02/2026 01:15

You don’t pay someone separate to come in and sign them off. You get the certificate from the installer who should be Fensa certified

The installer can only provide their certificate if they are FENSA (or CERTAS) certified - it’s basically means they have been ‘pre-qualified’ to install windows properly. You may chose a builder who is not certified, but then you should separately arrange your local Building Control to visit and check the works and verify them.

In this case, because the OP didn’t use a pre-qualified installer, they are being encouraged to get retrospective BC certification to resolve the issue.

JamesClyman · 04/02/2026 11:51

I'm only amazed that they are asking for only £3K. If your uncle (of whom they know nothing) turns out to be a cowboy it would cost a lot more than £3K to replace the windows.

GasPanic · 04/02/2026 12:10

ZanyMaker · 03/02/2026 10:35

And I'd let them do that - the time for asking for a reduction is when you put an offer in - after that is poor form.

While I understand the sentiment, when I have put in an offer on a house it’s on an assumption that the vendor has adhere to all regulatory requirements and has the certificates to prove it……

So you put the offer in before the survey ?

Which may then reveal a whole host of issues you need to put right ?

I think it is reasonable to can ask for a reduction at any time from offer to exchange if you gain information that the house was not as you thought it was and therefore it's value is reduced over the original offer you made.

What's more unreasonable (IMO) is to ask for a reduction with no justification, or ask for a larger one than is needed to cover the issues discovered.