House selling/buying part 2

[2longinthetooth]

This is the continuation for those on spring selling/buying thread.

Im finally all in the airbnb, removers packed full house in 1.5hrs. Took me and dh the rest of the day to pack about 8 bags and some fiddle bits. He's got a bad back and me with the shoulder. Son is all settled Xbox on so all good. Going to see a rental tomorrow in between cleaning our house ready for the buyers. Few mental breakdowns today, 1 seeing the house empty and remembering the day we first moved in full of hope and 2nd trying to get the washing machine to work in airbnb. Ive pain where I never thought you could experience pain. Never moving again ( well ok in 4 weeks time to rental 🤞)

Ah @2longinthetooth i was wondering how you were doing today, not surprised to hear it was mentally and physically painful. Hopefully this all pays off when you find the right property and can move in without the fresh hell of a chain underneath you.

No progress with our shitshow, but I still live in hope this latest ‘charge’ headache can be resolved quickly. Although experience so far with all administrative legal procedures suggests otherwise… I feel like I’ve learnt so much about what could go wrong in buying/selling houses over the past 17 weeks that I’m probably half way to a conveyancing qualification.

@HouseMoveRound2Such a headache and thats the paperwork, especially when you have to do your own research online. Plus your prob is very complex. Its takes hours.Then add the physical work. Just wish I could afford someone to do it all. The cleaning and organising, I just turn up 😂. Currently sat in a lay by getting something to eat whilst we look forward to a day of cleaning.

Glad you’ve made some progress 2longinthetooth, albeit a painful one. Don’t overdo it.

DH has just bumped into our sellers, they have just got the final answers from their onward seller. But will be away for a fortnight next week, so are saying exchange at end of November or early December! Grrrr! We’ve been ready since August!
Fortunately we have a house to live in.

Hello! I found the new thread 🥳 glad to hear you're all in @2longinthetooth

We had good news! The viewing went well on Monday and they want to come again tomorrow! I'm cautiously optimistic that we might be sold by the end of the week!

@Beebumble2 Crazy aint it. Back in May, we never expected to be in this position. Everytime we try to sort shit out, we are constantly having obstacles put in our way. We also were talking about exchange back in August, never did we think we would be completing in Nov. Even tho we are desperate to find an onward, the thought of conveyancing is meh!

Feeling everyone’s pain on the never ending emergence of new obstacles 🥴🥴

still no progress with our latest issue of getting a charge removed, the current title owner (a huge corporate pub chain owner) tells us they approached the lender to “understand their appetite and process for removing the charge”. No timeframes given, our solicitor just says “we are in the dark”, so once again I’m resorting to trying to understand wtf is going on by googling and starting mumsnet threads - which I actually got lots of useful info on, thank god for mumsnet 😅😅

we were supposed to be completing next week, once again that’s off the table at the list min. This is like a really stressful Groundhog Day.

Fingers crossed for you TeddyBeans 🤞

If we adopted the Scottish system, the seller has to complete all the truthful enquiries/ issues for their solicitor before any offers.

Sounds positive @TeddyBeans fingers crossed for you

@Beebumble2 god that sounds like an appealing system right now 🥴🥴

@HouseMoveRound2Whats a charge in layman terms, never heard of it, plus these people just think time is endless, zero urgency.

@Beebumble2oomg why cant we have that system. That would have saved me 5 weeks.

@TeddyBeansFab news, I've got fingers and toes crossed for you, must like it for a second viewing.

@2longinthetooth a charge is when there is a notification on your title that means you basically owe someone some money and the debt is attached to your property. The debt means that the lender has to be notified and paid if the property is sold.

Everyone has a charge on their property when they have a mortgage - there would be a charge on your title so that your lender gets paid their outstanding loan amount when you complete on your sale, once the lender is fully paid off (either because you’ve sold the house or paid off the mortgage) the charge is removed from the title. You wouldn’t normally even know about it because all this stuff happens automatically behind the scenes when you buy/sell a house.

What it means for us, is the pub will have to get authorisation from their lender to transfer the bit of land over, because technically the lender should be paid when the whole property sells. This is a relatively straightforward case believe it or not, but it’s just a case of waiting for the pub and the lender to sort. Which for obvious reasons if a shit situation to be in at this stage 😫😫

Yes it took 10 weeks from marketing to completion when selling our Scottish house earlier this year. It taken 5 months to buy our next house! There’s only 3 in the chain, with our seller’s forward property being empty and no one needing a mortgage. The final seller has caused delays for some reason.

@Beebumble2This is what I suspect when we buy our next home. When we put an offer on the recent house, we started conveyancing and I paid for searches immediately. Following the surveyors report and it going belly up, 5 weeks had elapsed. Solicitor had not even looked at the file, no searches, nothing. I mean great for me as no charges and the search money returned but what the hell.

@HouseMoveRound2aaww I see what you mean now. You would think that would be a simple fix but then again this is the uk.

Just seen my estate agent and they asked if I would let them know when we complete Monday because solicitors dont tell them. What the nerve. When I was repeatedly asking for info about the chain I got nothing. Im paying them 6k for that pleasure, sorry but they can whistle dixy for their phone call. Im not a mean nor vindictive person but they have been arseholes for the last 5 months.

Our viewers have asked for a breakdown of things the service change is spent on so have sent last year's actual report and this year's budget. Really hopeful they aren't scared off by the fees and make an offer!

@2longinthetooth good, tell them to bugger off

@TeddyBeansThey mean business then. Im hopeful for you.

Just found thread 2 and catching up with everyone. I do wonder sometimes what the solicitors are paid for.
I should have exchanged today but we didn’t. I eventually got through to the solicitor and spoke to her assistant who assured me that we should both exchange and complete on Monday.
The removal firm are coming tomorrow and keeping my stuff on their van until Tuesday morning. I am going to stay with my daughter. I really hope I get the keys on Monday afternoon or things are going to get complicated.
I’m tired out from cleaning and tip runs and it’s odd to see the house I have lived in for 45 years nearly packed up.
Anyway I am happy with the apartment I am buying and its location so onwards and upwards.
Sorry for the people handling all this while not feeling well.

Just dropping by to wish you all a restful weekend. We are going to see a new small development of houses tomorrow that are not quite complete yet so hoping we might get an offer on ours in the coming weeks but we'll see.

will hopefully not find a Rab C Nesbitt lookalike sitting on a sofa in his front garden @2longinthetooth this development only has 20 houses with some terrain behind the houses that would make it difficult to build an estate of 300+ houses like the other place!

we reduced our price last week and so far not a flicker of interest, but it isn't surprising really, with Christmas round the corner, but we thought may as well just adjust the price and the rest is in the lap of the gods. It's a numbers game. Just need one person to like it.

Doesn't it make you want to spit, @2longinthetooth the only reason they're keen is they want their £££. Let 'em whistle for it!

I hope your shoulder is easing after all that lifting and shifting you had to do 😩

@Anonymouseposterwow 45yrs, thats emotional. I hope you exchange and complete Monday. Solicitors have little empathy for their clients, having to rearrange plans at their whim. The stress is immense. We complete on Monday as well. Like you its been constant cleaning, moving stuff, its the final push tomorrow an we will be done. Tbh I hate going there now.I want this ordeal over.

@daisychain01I lol when you said Rab c nesbitt. keep an eye out for anyone on a porch with a banjo. This new development sounds nice. Theres Jack all on the market here, there are some stunning homes in our budget but no where we can live grrr! Monday cant come quick enough, that EA got away likely, cheeky sod and he was sarcastic with it, honestly hes one of those who likes to mansplain everything. Wish I had the courage to tell him to piss off.

We didn't hear anything today (agents shut at 1 on a Saturday) so got to keep fingers and toes crossed til Monday now

@TeddyBeansThey,ll crunch the numbers over the weekend, plus people are busy doing shopping etc, you might not hear until end of next week.

Hi,
Please can I join 😊 We're viewing our first property tonight and really excited. The house we live in now is nearly paid off - 1 year left. So excited for a new chapter but also anxious. Been in this property for 22 years 😬 But its time to start looking elsewhere 😁

How exciting autumnvelvetwhisper. I hope your journey is a smooth one, a lot seems to have changed in the past 22 years. Good luck.