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Original poster

Buying/selling/both? Come and join me to discuss anxiety/stress/happiness/hope! (hopefully more of latter)

94 replies

MamaG · 02/11/2009 11:32

My house sold within 2 weeks of it going on the market

Kinda unexpected, the speed! We've got a house to buy and things seem (touch wood) to be going through.

DH is self employed though and I'm not working, so we've had to get a self-cert mortgage (eek at repayments). Survey was done on Friday and is fine, so we are just waiting for the "ok" from mortgage co now.

My Solicitor hasn't sent the searches off yet () despite being instructd a month ago so I put a rocket up his arse this morning.

My buyer wants to complete 11th Dec, so I'm on pins, its only 6 weeks away! Will be a chaotic Christmas thats for sure...me, DH, 10yo DD, 5yo DS1, 1yo BabyG, the hamster and 3 million packing boxes

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Original poster
MamaG · 10/11/2009 20:02

Just be prepared for a long wait bot. Things are moving slowly atm in house market, we were lucky but most houses near us have been on themarket for months.

Areyou relocating?

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dilemma456 · 10/11/2009 20:38

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Original poster
MamaG · 10/11/2009 23:07

My buyer is a cahs buyer and the house I'm buying has no chain

Think its going to take 3 months from offer to completion (ffs)

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dilemma456 · 11/11/2009 10:54

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bottersnike · 11/11/2009 11:55

Yes we're relocating, from Yorkshire to Gloucestershire!
I know I shouldn't get my hopes up, particularly at this time of year, but it's difficult not to.
The estate agent seems to think that our house will sell within weeks, but I don't know whether he's just saying that..
Incidentally, when we bought our house (very short chain, mortgage pre-arranged) it took 12 weeks from acceptance of offer to completion date. I think that's about average assuming there are no delays with searches, surveys etc.

dilemma456 · 11/11/2009 13:09

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HouseHuntingNoMore · 11/11/2009 13:40

We had our offer accepted on 12 Oct & are due to complete (fingers crossed) on 27 Nov, which is less than 7 weeks. There are 3 parties in our chain. Good luck

dilemma456 · 11/11/2009 14:54

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Buda · 11/11/2009 16:27

How exciting dilemma! And nerve-wracking! I was on tenterhooks when we put our offer in.

Good luck!

dilemma456 · 11/11/2009 16:45

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Buda · 11/11/2009 17:05

Wow!!!! Yay!!!

Congratulations!

We are at the stage of having all the paperwork and needing to sit down and complete it all. DH doesn't have time till the weekend though which doesn't suit my impatience. But it will be fine.

We had the survey done on Friday so are waiting for that also.

bottersnike · 11/11/2009 17:42

Hurray, that's excellent news dilemma!
New house for Christmas then

Original poster
MamaG · 11/11/2009 18:40

woohoo tahts great dilemma

bot whereabouts in Yorkshire are you? I'm a Yorkshire lass

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bottersnike · 12/11/2009 12:38

Just north of York. We love it, but all our family are in the south, so it's time to move.
It means I'm sad and excited at the same time!

dilemma456 · 12/11/2009 20:34

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Original poster
MamaG · 13/11/2009 10:38

haha I know that feeling dilemma!

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dilemma456 · 13/11/2009 13:44

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Original poster
MamaG · 14/11/2009 15:13

dilemma your mortgage comapny might want to instruct their own surveyor

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dilemma456 · 15/11/2009 10:45

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Buda · 16/11/2009 09:29

Hi there dilemma. Glad all is going well for you.

Paperwork on hold here. Got the survey on Saturday and there are bats in the roof. I HATE bats. See my other thread in Property!

Am about to phone surveyor to see how bad it is. Had another look at the survey last night and it says "there are bats and the floor is covered with their droppings."

Someone on my other thread said that their bats didn't come back once they installed wireless broadband. Need to find out if current owners have that installed. Need to find legal ways of making house unattractive to bats!

dilemma456 · 16/11/2009 09:56

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Buda · 16/11/2009 10:45

OMG dilemma! A rat on your face! I would have nightmares to this day I think. Having said that I would be happier with rats in the house as you can get someone in to deal with them. Bats are protected.

Anyway - have just spoken to surveyor and it is not as bad as I thought. He thought he saw one but when he looked again there was nothing there. There ARE droppings but they could be old. He spoke to the vendors and they said that there were bats but that they hadn't seen any for a few years. I have just spoken to the vendor too and she promised me that she hadn't seen any. She said she quite liked the idea of having them and when they moved into the house in 1983 they had the roof treated for woodworm and because there was evidence of bats they had to use a different chemical but that even so she thinks the bats left then. She said that one evening about 3 summers ago she saw 1 bat in the garden. I think I believe her as they are only moving next door so it is not as if she will never see me again! Whew!

Original poster
MamaG · 16/11/2009 22:51

I'm very relieved for you buda

We just had a prob with mortgage - the company we were applying to said they aren't lending any more money until Feb next year ... after we've paid £700 fee . Luckily we have managed to get sorted but are now trying to get hte farking FEE back.

grr

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Buda · 17/11/2009 06:02

Bloody hell MamaG. Surely that is illegal? To take your money if they knew they were not lending? Sods.

We almost had an issue with our bank. We are in the extremely lucky position to be cash buyers. Most of the purchase price of the house is easily available but the rest is invested. DH wanted to borrow the extra against our investment portfolio to be paid back from salary within 9 months. Bank said no. Have a mortgage. We didn't want a mortgage. So DH booked a call with our 'client care' person at the bank who has been dealing with our account for over 10 years. She knows DH well - and his tendency to move banks if they piss him off. Listening to the call was funny. He takes NO prisoners. We got the loan facility!

We filled in all the solicitor stuff last night and I will post it all from London on Thursday on my way to New York. Have been through survey more thoroughly now bat issue is being sorted. Nothing there that we didn't expect for the age of the property. So all seems good.

I did have a slight panic. Solicitor needs notarised copies of our passports and DH got them. I was getting everything together and realised the notarisation was all in Hungarian. Emailed DH demanding he get them done today in English. Impossible apparently - Hungarian notaries will only notarise in Hungarian even if they speak English. Anyway - DH spoke to solicitor and that is ok if we put in a copy of our Hungarian residents cards. Can't quite understand it myself but there you go - after all the Hungarian could say anything really!

Original poster
MamaG · 17/11/2009 08:18

yes it could say "This is not buda and Mr buda"! at you going to NY, I'd love to go there.

The fee we paid was to the brokers, so it covered survey etc - I can't believe they didn't know that the mortgage co was going to stop lending, they deal with them ALL THE TIME, hte must have had some inclination surely. Still waiting to hear back from them but I'm NOT happy

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