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  • FIRST POST
    • happytails
    • By happytails 27th Jul 17, 5:20 PM
    • 1,506Posts
    • 9,216Thanks
    happytails
    The NEW waiting to exchange thread...
    • #1
    • 27th Jul 17, 5:20 PM
    The NEW waiting to exchange thread... 27th Jul 17 at 5:20 PM
    So the other thread has gone awol so thought i'd start a new one! It was keeping me sort of sane during the house buying/selling process!

    A place to document your timelines and discuss the triumphs and woes of moving house!




    My timeline -
    Offer received and accepted on our house 17/07
    Offer made and accepted on the house we want 17/07
    Solicitors Instructed 17/07
    Meeting with mortgage advisor, all docs given 18/07
    Mortgage application submitted to Nationwide 19/07
    Documents picked up and filled in from Solicitor 19/07
    Documents and ID returned to Solcitor 20/07
    Valuation booked 20/07
    Solicitor composes draft contract & starts local searches 25/07
    Valuation carried out 26/07
    Solicitor gave us our fixtures and fittings form for purchase and requested marriage certificate 26/07
    My buyers valuation carried out 27/07
    Mortgage offer given 27/07

    Sarah

    Official MoneySavingExpert.com Insert:

    Hi all! For more help with your move read our guide:

    50+ House Buying Tips
    Last edited by MSE Andrea; 06-10-2017 at 11:50 AM.
    Sarah,

    Trying to move up the house ladder in 2017, running a business with 3 kids in tow & slowly going crazy!
    Member No43 - % Challenge
Page 37
    • Natbag
    • By Natbag 6th Oct 17, 4:31 PM
    • 1,162 Posts
    • 802 Thanks
    Natbag
    Commiserations. With luck the mortgage offer is simply a formality - so no curling up and crying required! All the best to you, i hope it works out in the end.
    Originally posted by pinklady21
    Thank you, I hope so. That reply on your thread hasn't helped put my mind at ease though!
    • Cinders:
    • By Cinders: 6th Oct 17, 4:48 PM
    • 148 Posts
    • 803 Thanks
    Cinders:
    Natbag - huge hugs, this is such a frustrating process.
    SPC # 115
    • Upsy Staffordshire
    • By Upsy Staffordshire 6th Oct 17, 5:26 PM
    • 367 Posts
    • 3,779 Thanks
    Upsy Staffordshire
    I'm so glad I found this thread today - we are now nearly 5 weeks on from accepting an offer and it's nice to hear other people's stories and experiences.

    The survey on our house came back fine and we are now waiting for the results of the searches to come back. I think it's been 2 weeks now waiting for the searches to be done, so I'm hoping that next week we will be able to exchange, as our EA said they usually take 2-3 weeks.

    I'm not the most patient of people, so I can't wait for all of the waiting to be over and done with! We are lucky that our buyer is no longer part of a chain, as his house sale completed a little while ago so he is staying somewhere else temporarily. We're hoping to complete early November.

    Natbag - sorry to hear you've been going through a tough time with your sale - I really hope everything works out well for you in the end
    Thank you to everyone who posts on here
    • Surrey_EA
    • By Surrey_EA 6th Oct 17, 5:36 PM
    • 1,301 Posts
    • 1,559 Thanks
    Surrey_EA
    I'm so glad I found this thread today - we are now nearly 5 weeks on from accepting an offer and it's nice to hear other people's stories and experiences.

    The survey on our house came back fine and we are now waiting for the results of the searches to come back. I think it's been 2 weeks now waiting for the searches to be done, so I'm hoping that next week we will be able to exchange, as our EA said they usually take 2-3 weeks.

    I'm not the most patient of people, so I can't wait for all of the waiting to be over and done with! We are lucky that our buyer is no longer part of a chain, as his house sale completed a little while ago so he is staying somewhere else temporarily. We're hoping to complete early November.

    Natbag - sorry to hear you've been going through a tough time with your sale - I really hope everything works out well for you in the end
    Originally posted by Upsy Staffordshire
    The average property transaction takes 12 weeks. Please prepare yourself for not exchanging next week.

    Just because the searches are back does not mean that everything else will be ready. There could well be information contained within the search results that requires further investigation, or additional documents to be produced by the seller. If so, this could easily take another couple of weeks.

    As hard as it is try and be patient, these things rarely happen as quickly as we would like.
    • Natbag
    • By Natbag 6th Oct 17, 5:53 PM
    • 1,162 Posts
    • 802 Thanks
    Natbag
    Thanks everyone. There's some confusion about whether the lack of mortgage offer is down to the lender thinking they needed to see the electrician's report (they don't) or whether it's the missing reference/detail that's the issue. No idea, but all we can do it wait until Monday to find out the score.
    • Fiesto88
    • By Fiesto88 6th Oct 17, 7:38 PM
    • 112 Posts
    • 75 Thanks
    Fiesto88
    The average property transaction takes 12 weeks. Please prepare yourself for not exchanging next week.

    Just because the searches are back does not mean that everything else will be ready. There could well be information contained within the search results that requires further investigation, or additional documents to be produced by the seller. If so, this could easily take another couple of weeks.

    As hard as it is try and be patient, these things rarely happen as quickly as we would like.
    Originally posted by Surrey_EA
    One thing I’d add from my own experience is, being patient doesn’t mean being silent. It is reasonable to want to know exactly what’s happening and whose court the ball is in. Had I not regularly got the EA to check this, we’d still be waiting for our seller to realise there was a list of enquiries sitting in his junk email box. And, subsequent to that, probably still waiting for his solicitor to get round to sending the response to our solicitor. And subsequent to that, still waiting for their solicitor to inform the seller that additional paperwork was needed that would require contact with the local council to discharge an outstanding condition on a conditionally approved planning consent.

    Never assume everybody else is being efficient as, in my experience, they almost always aren’t and had I chased more aggressively at the start, we might have completed by now.
    • Upsy Staffordshire
    • By Upsy Staffordshire 7th Oct 17, 5:13 PM
    • 367 Posts
    • 3,779 Thanks
    Upsy Staffordshire
    The average property transaction takes 12 weeks. Please prepare yourself for not exchanging next week.

    Just because the searches are back does not mean that everything else will be ready. There could well be information contained within the search results that requires further investigation, or additional documents to be produced by the seller. If so, this could easily take another couple of weeks.

    As hard as it is try and be patient, these things rarely happen as quickly as we would like.
    Originally posted by Surrey_EA
    Don't worry, I'm not presuming it will definitely happen! Just being optimistic

    We have already dealt with additional enquiries, so we will see if they have anymore. I'm hopeful that the searches will be fine, as ours came back fine when we bought the house, so we will see.

    We aren't able to move until the start of November, so we have plenty of time yet, but I can't help but want to get the exchanging part out of the way so we can settle on a completion date

    Fiesto88 I totally agree with you. I've found that chasing for information and trying to be super efficient has helped the sale to move quickly
    Thank you to everyone who posts on here
    • Pumpkim
    • By Pumpkim 7th Oct 17, 6:09 PM
    • 213 Posts
    • 254 Thanks
    Pumpkim
    A letter from the solicitor today to confirm that the two outstanding issues on our purchase are resolved. Just waiting to hear that our buyer is satisfied with our answers to her final few queries, got a feeling she will want a gas safety check on the boiler. We had it serviced before putting it on the market in April but didn't get a gas safety certificate for it, wish I had now!
    Going to contact the solicitor on Monday to see if we are any closer to agreeing an exchange date. I hate not having a definite moving date, I like to be in control!
    • Natbag
    • By Natbag 7th Oct 17, 8:24 PM
    • 1,162 Posts
    • 802 Thanks
    Natbag
    Pumpkin, can you not ask the company/tradesperson who serviced the boiler to issue you with a backdated certificate - they/you should have a record of the work to go on.
    I'm in the same boat, I just want to know all is set and to get a date. I've been keeping busy this weekend having a clear out and putting some stuff away - not packing as such, but getting a bit more organised. Still nervous about Monday, but trying not to think too much about it and keep positive!
    • benlan
    • By benlan 8th Oct 17, 8:07 AM
    • 12 Posts
    • 4 Thanks
    benlan
    6 weeks after mortgage offer and there has been no movement at all. Apparently, the cause is the developer hasn't sent through the contract to the solicitor for the entire development, let alone individual houses!
    I have £800 worth of optional upgrades which I am being chased for, but don't feel confident in handing over that amount of cash when contracts haven't even been seen.
    • Pumpkim
    • By Pumpkim 8th Oct 17, 8:20 AM
    • 213 Posts
    • 254 Thanks
    Pumpkim
    Pumpkin, can you not ask the company/tradesperson who serviced the boiler to issue you with a backdated certificate - they/you should have a record of the work to go on.
    I'm in the same boat, I just want to know all is set and to get a date. I've been keeping busy this weekend having a clear out and putting some stuff away - not packing as such, but getting a bit more organised. Still nervous about Monday, but trying not to think too much about it and keep positive!
    Originally posted by Natbag
    I was thinking I should just go back to him to ask what he can do.
    We've started packing easy things like books, and I've also been ruthless and given lots to charity so not so many to take with us. We started on our wardrobes yesterday, having a good clear out and I'm tackling my sons toys today
    Trying to get rid of as much as we can, there's just so much STUFF!
    • Natbag
    • By Natbag 8th Oct 17, 5:05 PM
    • 1,162 Posts
    • 802 Thanks
    Natbag
    I was thinking I should just go back to him to ask what he can do.
    We've started packing easy things like books, and I've also been ruthless and given lots to charity so not so many to take with us. We started on our wardrobes yesterday, having a good clear out and I'm tackling my sons toys today
    Trying to get rid of as much as we can, there's just so much STUFF!
    Originally posted by Pumpkim
    It's definitely worth a try, as otherwise you may be asked to pay for indemnity insurance.
    That's what we have been doing too this weekend. Spent the whole day yesterday sorting through drawers, wardrobes and under the stairs. While our new house is bigger, it doesn't have as much hidden storage (no hallway, no under-stairs cupboard, no room above the wardrobes and the loft isn't yet boarded), so trying to be ruthless.
    • Fiesto88
    • By Fiesto88 8th Oct 17, 6:03 PM
    • 112 Posts
    • 75 Thanks
    Fiesto88
    We’ve been for an initial look around furniture places today. The majority of our current stuff is decade-old IKEA that would be lucky to survive the move and, even if it did, would look ridiculous in the new house.

    We thought, let’s just go for gold, pick out the things we really like and cost it all when we get home. We now have and i’m mortified at how much it’s going to cost. So i’m now rethinking and looking for cheaper alternatives for some rooms. Also need to budget for splitting an open plan living room, diner, kitchen into two rooms and no idea how much it’ll cost.

    Everything’s seems so easy when it’s still a fantasy and not imminent reality.
    • Pumpkim
    • By Pumpkim 8th Oct 17, 6:38 PM
    • 213 Posts
    • 254 Thanks
    Pumpkim
    The majority of our current stuff is decade-old IKEA that would be lucky to survive the move and, even if it did, would look ridiculous in the new house.
    Originally posted by Fiesto88
    Sounds like us, either that or it was assembled in the room and we have no hope of dismantling and reassembling with any success

    We've actually hardly got any big furniture to take which is why I'm hoping our completion date is soon or we'll have no chance of getting the new furniture delivered in time for Christmas!
    • Natbag
    • By Natbag 8th Oct 17, 7:08 PM
    • 1,162 Posts
    • 802 Thanks
    Natbag
    Same here, a lot of our furniture is either pretty much fixed in place, likely to fall apart if we try and dismantle, remove and rebuild it or just plain old worn out. At the moment, the only thing that's definitely going is our bed, the eldest son's bed, two sofas, a desk and a couple of chests of drawers plus the TV unit and the dining table and chairs - but whether those last two items will fit the allocated space is under question! We have been pricing some new furniture up too, it soon adds up doesn't it?!
    • goodwithsaving
    • By goodwithsaving 8th Oct 17, 8:17 PM
    • 704 Posts
    • 1,044 Thanks
    goodwithsaving
    Buy nice stuff bit by bit - there's no need to rush to furnish a new place.
    Every time you borrow money, you’re robbing your future self. –Nathan W. Morris
    • Natbag
    • By Natbag 8th Oct 17, 9:36 PM
    • 1,162 Posts
    • 802 Thanks
    Natbag
    Buy nice stuff bit by bit - there's no need to rush to furnish a new place.
    Originally posted by goodwithsaving
    Definitely agree. We have some money saved, but will definitely be investing in a few nicer, longer-lasting pieces this time. But there's no rush, well, other than a bed and mattress for my youngest! Plus, I want to do some decorating first
    • Jaglad111
    • By Jaglad111 9th Oct 17, 12:07 AM
    • 142 Posts
    • 203 Thanks
    Jaglad111
    5-6 weeks in and been window shopping for months! About to commission a handmade solid oak dining table and 8 chairs. Also getting some made to measure living room furniture from the same guy. 8-10 week lead time on it but says he can get it done and delivered by christmas. Just hope we complete by then or we will look pretty silly eating chrimbo dinner in the garage of our current 2 bed flat
    • hazyjo
    • By hazyjo 9th Oct 17, 9:30 AM
    • 9,831 Posts
    • 12,480 Thanks
    hazyjo
    5-6 weeks in and been window shopping for months! About to commission a handmade solid oak dining table and 8 chairs. Also getting some made to measure living room furniture from the same guy. 8-10 week lead time on it but says he can get it done and delivered by christmas. Just hope we complete by then or we will look pretty silly eating chrimbo dinner in the garage of our current 2 bed flat
    Originally posted by Jaglad111
    Don't order before you've exchanged What if it falls through and doesn't fit into your next place?!
    2017 wins: Opera tickets; film preview; lipstick; Ideal Home Show tickets + afternoon tea & bottle of Champagne; 2 cases of NKD; notebook; bath rack; books; film Premiere; Broadchurch DVDs; lipbalms; hamper (food/wine/Echo Dot/Jo Malone goodies); Avon lippies; cowhide rug; Windsor luxury break, foundation; Flybe flight
    • hazyjo
    • By hazyjo 9th Oct 17, 9:45 AM
    • 9,831 Posts
    • 12,480 Thanks
    hazyjo
    Mine was going so smoothly...


    Buyers now won't accept £120 for the broken (probably, may be repairable) dishwasher so getting (another) engineer out today to take a look. Will have to replace if he can't fix it which is sooooo annoying. Reluctant to replace before getting it looked at in case the prob is with something else rather than the actual dishwasher. Will try to replace with 2nd hand if it comes to that.


    They have also requested that I get an electrical report for the house - they can go whistle for that one! Why should I pay?! They've not even had a survey. It's like asking me to pay for their survey!


    Grrr. So frustrating. They seemed so nice as well. Funny how the longer into this process the more horrible/demanding people get...
    2017 wins: Opera tickets; film preview; lipstick; Ideal Home Show tickets + afternoon tea & bottle of Champagne; 2 cases of NKD; notebook; bath rack; books; film Premiere; Broadchurch DVDs; lipbalms; hamper (food/wine/Echo Dot/Jo Malone goodies); Avon lippies; cowhide rug; Windsor luxury break, foundation; Flybe flight
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