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Any point? Are we just flushing money down the bog?

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  • dumpallhere
    dumpallhere Posts: 272 Forumite
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    pops5588 wrote: »
    She then sends us over a breakdown of costs for us to pay for completion, basically saying we need to transfer over £28,000 (not exact amount). I emailed her to say that she should have written somewhere as part of our mortgage offer from Halifax we have the stamp duty paid incentive so the amount will be more like £26,000. She says she has no record of this.
    A copy of the mortgage offer is sent to your solicitor (at the same time as it is posted to you). The SD incentive is clearly mentioned in the offer.

    Tell your solicitor to read the mortgage offer!!!
  • dumpallhere
    dumpallhere Posts: 272 Forumite
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    To add to above, Halifax will send the SD incentive amount to your solicitor at the same time it transfers the (mortgage) funds for completion to your solicitor.

    Then the solicitor can go ahead and do the necessary bit (paying SDLT) within the prescribed timeframe after completion.
  • Atomix
    Atomix Posts: 346 Forumite
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    dumpallhere wrote: »
    To add to above, Halifax will send the SD incentive amount to your solicitor at the same time it transfers the (mortgage) funds for completion to your solicitor.

    Then the solicitor can go ahead and do the necessary bit (paying SDLT) within the prescribed timeframe after completion.

    Ahh I see how it works - in detail too - cool - so just to confirm to the OP - this should be fine - once the broker/halifax confirms everything!:D
  • dumpallhere
    dumpallhere Posts: 272 Forumite
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    Atomix wrote: »
    once the broker/halifax confirms everything!:D
    Unless the solicitor has lost the copy of mortgage offer, there is no confirmation required TBH.

    He/she needs to do some basic homework that a seller / buyer expects his/her solicitor to be an expert at - read the paperwork! ;)
  • pops5588
    pops5588 Posts: 638 Forumite
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    Thanks everyone :) Yes Atomix, major OTT stress-induced reaction from me as usual :P !!! It's been one thing after another and every time we seemed to take 2 steps forward we took another one back! There hasn't really been a huge amount of room in terms of time for mistakes either, I wasn't sure if it was a mistake that could be rectified quickly or would take days that we don't have.

    Luckily it is sorted now...I was surprised that they weren't aware Halifax were paying it as all three of us (the broker, the solicitor and us) have the same copy and I can see it written on it as clear as day. Oh well, I can breathe again now...

    Completing this Friday. At last!
    First home purchased 09/08/2013
    New job start date 24/03/2014
    Life is slowly slotting into place :beer:
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