Should I get an independent home survey done for a property in Scotland

jennifernil

No, most people get an agreement from a lender as to what they can borrow (subject to the property being acceptable to the lender of course) and then go looking.

The single survey and valuation, if done by a surveyor acceptable to the lender, means that if you are operating within the limits your lender has set,and have not hidden any adverse circumstances from your lender, you should not have any problem proceeding with the mortgage and purchase.

As you are not mortgaging the property, you could (probably even should) have sorted the remortgage first so you had the cash "in the bank" before making the offer.

That is what I would have done in your position.

JonMitchell

So demystifying what you said earlier in the posts above - most people, like you have previously said, have not got their finance in place! An AIP/DIP does not warrants a final mortgage offer. Which in my case, I've been labelled as a person with no finance in place, without any fact finding from the accuser on this post.

I don't mean to be rude in anyway, just felt being snubbed and giving the cold shoulder when hold and behold I have a remortgage offer that came through the door the other night, 1-2 days the offer was accepted on the 27th June 16.

Of all things, I hate to be accused of something that I am not and there is no need to say what one will do if they are in my position after all the snubbings. If it is a proper legal process, I will definitely follow suit and thats how I have been doing from the beginning till now. Otherwise if it is just a common practice not govern by legal laws, then the questions that I have been asking to help clear my head on things, especially on money matter, are VALID!!

I have admitted on my previous posts that I have done enough homework for remortgaging but not enough on properties in Scotland. But find it rather disappointing that people start pointing BIG question marks on me :- gazumping, delay tactics, no finance in place etc.

But really appreciate your input in this, there are few things on your note that I am very appreciative on.

Thanks again

jennifernil

So if you now have the money, why not just instruct your solicitor to conclude missives?

I cannot see anyone giving you the "cold shoulder", more likely the vendors are getting worried because you are not proceeding with the purchase.

The missives are negotiated by the 2 solicitors, now you have made the offer and it has been formally accepted, the estate agent does not play any further part in the sale.

Once the missives are concluded, contact the vendors directly and ask if you can visit to take measurements.

davidmcn

JonMitchell wrote: »

But find it rather disappointing that people start pointing BIG question marks on me :- gazumping, delay tactics, no finance in place etc.

We're not judging, we're advising how you're likely to come across to your sellers if you start adding some sort of conditionality to your offer after it's been accepted. The norm for people offering who are awaiting a mortgage offer is to say so upfront and make it a condition of their offer. If, as you say, your offer was unconditional then that gives the impression you've got your funding sorted.

JonMitchell

@Jennifernil - with due respect, to instruct my solictors is down to myself, it is not for you to question. And you have missed the hints that I have hopefully been polite enough not to mention who had taken a swipe at myself. Really, its not difficult to see who.

@Davidmcn - from the beginning of the OP, I have clearly state I have not done enough of my homework for property purchase up in Scotland, thus the reason of asking all these "noobish questions" that transpired into all the negative impressions that have been conceived upon myself, ie without finance in place! I do appreciate your concerns about sellers but nothing much on buyers side, it looked rather biased though, with no ill intent from me. I have really appreciate your comments and advises through the posts, though several had been with different views through tinted glasses that "I'm up to something no good".

I reiterate again for the last time - I asking for advise to help clear the clouds in my mind, which I had tripped over a bit myself. But if I am being seen with a tinted glass that I'm up to something fishy, then thats too bad for some. Whatever I've done so far is within legal law though it may not be within local practices, which to be honest - I don't care as its a lot of money I am dealing here, at least to me. Properties are not bought in 6 pences..........period.

jennifernil

Well.....first time in 11 years I have been accused of "taking a swipe" at anyone!!

OP, my question was just that...a straightforward question.

If you now have the funding, and you wish to proceed with the purchase, why do you not now instruct your solicitor to conclude the missives?

If you made an unconditional offer and it has been accepted the correct thing to do now is to proceed. This is what we are advising you is expected of you. House buying in Scotland is not the often long drawn out and tortuous process it is in England.

If you are unsure then you should withdraw your offer, that is only good manners. The vendors will not wait indefinately.

I think your only question so far.....regarding requesting your own survey has been answered......the vendor does not have to agree as your offer was unconditional, but may well do so, you can but ask.

As David said, we have tried to advise you on how things are usually done up here, and how you may be coming across to the vendors. Legal questions should be addressed to your own solicitor.

jennifernil

Good guide to the process here......

https://www.moneyadviceservice.org.uk/en/articles/cost-timeline-for-buying-a-property-in-scotland