The NEW waiting to exchange thread...

Oscarboi76

Exchange and completion day today but still cant get excited as still don't have faith in our solicitor to get the relevant things done. The sellers solicitor and estate agents have both said our solicitor is the worse they have ever dealt with... good luck to anyone else exchanging or completing today.

greensalad

E_D_FTB said:

greensalad said:

Edenbridge said:

greensalad said:

Can anyone help me with this query; do we have to tell the mortgage provider the survey details? I presume so? Or is it just for us. Or is it if things are raised by enquiries then we may have to?

We are having a small issue with building regs for one area of the house, however we intend to build and extension so we can mitigate these issues in the term of the mortgage. I've heard though that the mortgage provider may need convincing. My query is, how will they know there is an issue? At what point would they get told?

Your solicitor also acts on behalf of the lender and is obliged to inform them of anything that may affect the mortgage offer such as lack of building regulations sign off.
They may be happy to proceed with indemnity insurance in place.

OK, so it'd be up to the solicitor to make that decision? Do we need to share our survey with the solicitor though? 

I only ask because it's not something that concerns us (lack of building regs for removal of a door which the surveyor said could be supporting the immediate brickwork surround but isn't showing any signs of damage, on a wall that we intend to change anyway ASAP). So if the solicitor doesn't bring up, and we don't mention it, then would the bank ever know?

You don't have to share with your solicitor. However, it might be worth researching if this would cause problems getting planning permissions etc for the extension. As @Edenbridge said, an indemnity policy would do the trick just to be sure.

Entirely up to you though. There's no obligation to get a survey at all, so you control what is disclosed. But again as @Edenbridge said, your solicitor has an obligation to the lender, so be prepared for that if you raise it with them. 

OK, this is sort of what I thought the deal would be. Due to advice I've had I'm really not concerned about it (many people have told me the surveyor was over cautious, and it wouldn't affect planning permissions because we'd be replacing it with an RSJ which would be more secure than what is currently there, it's not supporting the wall just the immediate brickwork). I will wait and see what the solicitors raise. 

[Deleted User]

My buyers still havnt raised any queries a week after the searches got back!

WorriedKirkels

Oscarboi76 said:

Exchange and completion day today but still cant get excited as still don't have faith in our solicitor to get the relevant things done. The sellers solicitor and estate agents have both said our solicitor is the worse they have ever dealt with... good luck to anyone else exchanging or completing today.

Good luck, final hurdle and got everything crossed for you🤞 

WorriedKirkels

DeletedUser said:

My buyers still havnt raised any queries a week after the searches got back!

Ours had their back for 4 weeks and never raised anything further after their first set of enquiries, might be the same for you? 🤷🏻‍♀️

[Deleted User]

WorriedKirkels said:

DeletedUser said:

My buyers still havnt raised any queries a week after the searches got back!

Ours had their back for 4 weeks and never raised anything further after their first set of enquiries, might be the same for you? 🤷🏻‍♀️

Who knows? They havnt said a word since the buyer is pushing them to get stuff done and they arnt he is getting frustrated 

Oscarboi76

WorriedKirkels said:

Oscarboi76 said:

Exchange and completion day today but still cant get excited as still don't have faith in our solicitor to get the relevant things done. The sellers solicitor and estate agents have both said our solicitor is the worse they have ever dealt with... good luck to anyone else exchanging or completing today.

Good luck, final hurdle and got everything crossed for you🤞 

Thank you ever so much.. still no news

Monsternextdoor

Exchanged ! DONE by 10.15 this morning. 

I get my keys on wed ! I can now stop eating a full tub of Ben&Jerrys of a night now  

heartofzinc

Oscarboi76 said:

Exchange and completion day today but still cant get excited as still don't have faith in our solicitor to get the relevant things done. The sellers solicitor and estate agents have both said our solicitor is the worse they have ever dealt with... good luck to anyone else exchanging or completing today.

Feeling the same way currently. Due to complete next Friday but no exchange date and can’t get a hold of my solicitors or the estate agent! 

blueorchid94

heartofzinc said:

Oscarboi76 said:

Exchange and completion day today but still cant get excited as still don't have faith in our solicitor to get the relevant things done. The sellers solicitor and estate agents have both said our solicitor is the worse they have ever dealt with... good luck to anyone else exchanging or completing today.

Feeling the same way currently. Due to complete next Friday but no exchange date and can’t get a hold of my solicitors or the estate agent! 

I could've written your posts, @heartofzinc & @Oscarboi76 - our solicitors are atrocious at communication! Also meant to be completing on the 10th, no clue of exchange date or if it is even going ahead at this point as they're just ignoring us, even though we really need to know either way...