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The New Adventures of Fortune
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Exciting times ahead. As little anecdote when we bought our house we had already got a 2 week Maldives holiday booked. We ended up exchanging contracts and moving out of our flat on the Thursday, headed on holiday on the Friday then completed 2 weeks later and 2 days after returning home! Not sure Mrs SJ enjoyed the whole experience too much!!MFW: Was: £136,000.......Now: £47,736.58......0
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shangaijimmy wrote: »Exciting times ahead. As little anecdote when we bought our house we had already got a 2 week Maldives holiday booked. We ended up exchanging contracts and moving out of our flat on the Thursday, headed on holiday on the Friday then completed 2 weeks later and 2 days after returning home! Not sure Mrs SJ enjoyed the whole experience too much!!
Oh my word! I don't think I'd have enjoyed the experience much either Jimmy.
Fortune xMortgage: 100% paid Emergency Fund: 100%
A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais0 -
I'm getting very frustrated waiting for my solicitor to do stuff and it's only Monday. We are expecting to exchange this week and I can't settle to anything. I'm just sitting around waiting for news. We are almost ready to go on but there are still a couple of things outstanding:
- our solicitor needs to speak to Mr Buyer's to sort out these revolving questions
- we need a copy of the contract report from our solicitor
- lender needs to confirm they have received some extra info they requested and confirm they are happy.
It's not a very long list.
I chased my solicitor yesterday morning. My Buyer chased me yesterday afternoon. Mr Buyer's solicitor is going to chase mine this morning. There's a lot of chasing going on.
I'm crossing my fingers we hear something more today.
Not very patient Fortune xMortgage: 100% paid Emergency Fund: 100%
A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais0 -
Solicitors always go at snails pace! I think its to wind us up even more, and i bet they can box off a sale and purchase in 4 weeks if it was their own! Easy for me to say but things will work out, they generally always do!MFW: Was: £136,000.......Now: £47,736.58......0
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I am sure all will come together really really soon.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Fortune_Smiles wrote: »:eek: That's ridiculous Purp. And when the house sells again another indemnity will be required. Someone is making money here :mad:
Fortune x
Nope - indemnity policies generally cover the mortgage lender and the purchases and their successors in title.
Fortune_Smiles wrote: »Thanks ETE - he's already rolled over on one of the indemnities because my solicitor was able to show there was zero risk to the buyer so fingers crossed.
I love pancakes so that's breakfast sorted for tomorrow
Fortune x
It also doesn't have to fall to the seller to pay for the policy - sometimes (things like windows fitted without the right paperwork being obtained) it's entirely reasonable that the person "responsible" should cough up - but often if it comes down to something that is more of a "possible" concern for a buyer than something a mortgage co will be worried about, it can be negotiated for a buyer to pay if they are insistent that they want the policy.shangaijimmy wrote: »Solicitors always go at snails pace! I think its to wind us up even more, and i bet they can box off a sale and purchase in 4 weeks if it was their own! Easy for me to say but things will work out, they generally always do!
4 weeks...Hmmm! :rotfl::rotfl: Mostly the things that cause delays are to'ing and fro'ing with mortgage companies, and waiting for local authority searches to come back (anything up to 8 weeks - some local authorities used to be worse than that!) - generally speaking they are a lot better than they used to be though! Mortgage co's can be a nightmare though.🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her0 -
as they say.
My solicitor sent final responses to our buyers today. It was late, the letter is full of spelling mistakes and there were two factual errors in it :eek:
I have written directly to the buyer to point out the mistakes and to my solicitor to ask for them to be corrected immediately. I've asked the buyer to contact me if anything more is needed.
I should get the contract report on our new house tomorrow.
I'm going to bring this exchange about by force of will :rotfl:
Fortune xMortgage: 100% paid Emergency Fund: 100%
A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais0 -
Your buyer is getting on my nerves too. You have the patience of a saint. You'll soon be free of your buyer. Keep the faith
If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720250 -
Thank you everyone for taking the time to comment and offer advice. It's very appreciated and I'm taking on board all the love and wisdom :kisses3:
You are keeping me sane
Fortune xMortgage: 100% paid Emergency Fund: 100%
A Better View 🌄 'Being on the edge isn't as safe, but the view is better' - Ricky Gervais0 -
Hang in there Fortune, nearly there.
It is so frustrating, I remember it well!!0
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