Exchanged contracts, can I start spending?

buckolfc

Ok. I want a really nice, shiny, new sofa to go with my really nice, shiny, new house.

Does that fit better??

car0line123

I used garden chairs for a few weeks, surprisingly comfortable and they are now used in the garden.

Having read about delays in new built, snagging issues, new built slightly different than agreed plans etc.. I personally would wait to see my living room finished and ready before ordering any furniture, especially something as big and expensive as a sofa.

No, I wouldn't risk a last minute credit check, October is a long way to go, and you never know what lenders might come up with.

Good luck, I would have loved to move into a new built, and I understand you want everything perfect.

bouicca21

Don't buy major items of furniture until you are in the house, and even then wait a while. Unless you are brilliant at visualisation and measurements you are likely to find that what you think you want now will not be what you want when you have lived there for a month or two.

Oh and do it on a 0% credit card.

lisyloo

Same as others have said.

It's very rare for things to fall through after exchange. It's very costly for buyers to pull out.
However I would personally borrow some garden chairs from friends/family for a few weeks.
I think savings up is better than getting credit for things you don't really need as essential. I agree you need somewhere to sit, but it doesn't have to be an expensive sofa short term. Why not get some garden chairs from Argos which you can keep afterwards.

bouicca21

Also you will be surprised what a difference the way the light falls will make to your choice of colour. My old sofa looked fine in my family house and my rented flats. It looked awful in my new flat because the sitting room is south facing with a huge expanse of windows and it just sucked in all the light and seemed to be a much much darker obtrusive colour.

clint_S

A lot of Sofa selling companies have special options for new build buyers that cover the issues. Since a lot of people do buy new furniture for their new home and don't sit on the floor for six weeks you have to ask if it was such a high risk why people keep doing it.


It is extremely unlikely you'll have your mortgage offer removed and as long as the finance doesn't take you over the affordability calculation it isn't going to be an issue. You main issue will be the possibility of a delay in the new build, again go through a sofa company that has a special plan for new builds and the will delay until notify.


I personally have always wanted new furniture in all the houses I've moved into and never had a problem, but I have never bought a house anywhere near the maximum I could afford, as stated by the mortgage company.


As for how things look, they'll look a lot different in the showroom than they will ever look in your living room.

Vampgirl

bouicca21 wrote: »

Don't buy major items of furniture until you are in the house, and even then wait a while. Unless you are brilliant at visualisation and measurements you are likely to find that what you think you want now will not be what you want when you have lived there for a month or two.

THIS!

We bought a new build last year - I totally understand wanting new furniture to suit a new house, and it was really hard to resist the temptation to go out and buy everything asap. Build delays/snagging issues aside, I'm so glad we waited until we were in the house before making any major furniture decisions because there are a number of things we changed our minds on once we were in the house and living there - the sofas being one of them.

We eventually ordered our new sofas after 3 months - it took us that long to really decide what suited the room (shape, size, how colours look in the light in the room etc.) they took about 8 weeks to arrive and they're totally different to what we were considering before we moved in. We're now getting around to replacing the dining table - again now that we've lived with the space for a while we're going with something a bit different to what we originally planned.

If the finance is 0% then I don't have any problem with that (so long as you can afford the payments), but I would really recommend waiting until you're in the room with your flooring down before making any major decisions - even if that means camping out on beanbags/blow up sofa/garden chairs in the meantime.

getmore4less

If anything having a shiny new sofa in a new place is a nightmare when you come to do that first decorate(you have to wait for the place to settle) moving it around getting splashes etc.

How do you know what color you want if you are yet to decorate.

Get temp you can then shoparound and wait for a proper sale bargain of something quality having saved up some of it.

mrginge

I'd suggest also getting a massive 4k TV from bright house.

lee111s

Get a loan while you're at it and have a holiday after the stressful move.