The NEW waiting to exchange thread...

Chimpy9

I really feel for you, everything is totally out of your control. We’re still waiting to exchange even though we wanted to get it done by today. All the chain want to complete on Monday just need the solicitors to speed up!

RAH25_2

Hello Everyone

Hope I can post on this thread also, my husband and I are first time buyers just wanted to share our timeline 😁

Thurs 17th Jan 19:
AIP with Accord Mortgage
Thurs 31st Jan 19:
First Viewing of Property
Sunday 3rd Feb 19:
Second Viewing of Property
Monday 4th Feb 19
Offer Submitted via Solicitor
Tuesday 5th Feb 19:
Offer Accepted by Seller
Friday 8th Feb 19:
Documents Sent to Broker
Friday 8th Feb 19:
Full Application Submitted with Accord Mortgages via Broker 🤞
Monday 11th Feb 19:
Copy of MSC Certificate for Solar Panels requested from Accord (sent over in the afternoon)
Tuesday 12th Feb 19:
Mortgage Fully Approved and offer issued this afternoon in post to us and our solicitor 🎉🥂

I'm honestly so amazed at how quickly this has happened, we were quite prepared to be waiting weeks before hearing about our mortgage either being approved/declined. Now we wait...I'll update when we have further news 🏡

babyblade41

RAH25 wrote: »

Hello Everyone

Hope I can post on this thread also, my husband and I are first time buyers just wanted to share our timeline 😁

Thurs 17th Jan 19:
AIP with Accord Mortgage
Thurs 31st Jan 19:
First Viewing of Property
Sunday 3rd Feb 19:
Second Viewing of Property
Monday 4th Feb 19
Offer Submitted via Solicitor
Tuesday 5th Feb 19:
Offer Accepted by Seller
Friday 8th Feb 19:
Documents Sent to Broker
Friday 8th Feb 19:
Full Application Submitted with Accord Mortgages via Broker 🤞
Monday 11th Feb 19:
Copy of MSC Certificate for Solar Panels requested from Accord (sent over in the afternoon)
Tuesday 12th Feb 19:
Mortgage Fully Approved and offer issued this afternoon in post to us and our solicitor 🎉🥂

I'm honestly so amazed at how quickly this has happened, we were quite prepared to be waiting weeks before hearing about our mortgage either being approved/declined. Now we wait...I'll update when we have further news 🏡

Hope the rest goes smoothly for you

Ours was a straightforward sell and buy both of us cash buyers , all searches done in a couple of weeks...still took 3 long months to complete

The most stressful one I have ever done and I think this time it will have to be the last...maybe !!

loonywitch

Chimpy9 wrote: »

I really feel for you, everything is totally out of your control. We’re still waiting to exchange even though we wanted to get it done by today. All the chain want to complete on Monday just need the solicitors to speed up!

Is the delay still the same for you?

Another update - actually rang solicitor regarding our buyers proposed date and discussed further. She advised that this person has already had an offer accepted on a new house and all the searches have already been done...clearly been going on a few week to say the least! But at least this means that they’re well on the way with it and 8th March is possible.

Chimpy9

loonywitch wrote: »

Is the delay still the same for you?

Another update - actually rang solicitor regarding our buyers proposed date and discussed further. She advised that this person has already had an offer accepted on a new house and all the searches have already been done...clearly been going on a few week to say the least! But at least this means that they’re well on the way with it and 8th March is possible.

All enquiries are done it’s just getting the files ready for exchange, the other side (our vendor) solicitor is really rubbish and take ages to do something.

Charles2988

The sofa finance has not started yet because we are not in our home. Would this affect my mortgage completion and do halifax do another credit check? Can anyone help me please

Charles2988

The sofa is on finance has not started yet because we are not in our home. Would this affect my mortgage completion and do halifax do another credit check? Can anyone help me out please

Bossypants

It's been a little while since I was on this thread, so thought I'd check back in. I got my mortgage offer with surprisingly little hassle under the circumstances, which was honestly such a relief. Not getting it would have cost an additional £10,000 in exit fees! :eek: And, added bonus, they didn't even want a structural engineer to look at the crack in the bedroom (surveyor was confident it was fine, but warned the lender might insists for backside covering purposes), so that's another chunk saved there.

We're now past all the expected hurdles and moving into the unexpected. The biggest one right now is confirmation of how the road is maintained, which we are trying to get from the council. My solicitor has been emailing and getting passed around for over two weeks now, so today I started ringing around myself and managed to speak to someone who agreed to help push things along if my solicitor would send him the correspondence. It's a slightly odd-ball situation regarding road maintenance, so I'm not holding my breath for a response this week, but maaaybe next? This is (supposedly) the last outstanding point, after which we can proceed to exchange/completion. We shall see! I've been picking out windows and floors so that the tradesmen can get to work asap, and can't help but worry that I'm jinxing things a bit. Oh well, the only way out is through, as they say!

Bossypants

Charles2988 wrote: »

The sofa is on finance has not started yet because we are not in our home. Would this affect my mortgage completion and do halifax do another credit check? Can anyone help me out please

Maybe try posting on the Mortgages board, you'll get some more experienced people looking at your question there.

babyblade41

Bossypants wrote: »

It's been a little while since I was on this thread, so thought I'd check back in. I got my mortgage offer with surprisingly little hassle under the circumstances, which was honestly such a relief. Not getting it would have cost an additional £10,000 in exit fees! :eek: And, added bonus, they didn't even want a structural engineer to look at the crack in the bedroom (surveyor was confident it was fine, but warned the lender might insists for backside covering purposes), so that's another chunk saved there.

We're now past all the expected hurdles and moving into the unexpected. The biggest one right now is confirmation of how the road is maintained, which we are trying to get from the council. My solicitor has been emailing and getting passed around for over two weeks now, so today I started ringing around myself and managed to speak to someone who agreed to help push things along if my solicitor would send him the correspondence. It's a slightly odd-ball situation regarding road maintenance, so I'm not holding my breath for a response this week, but maaaybe next? This is (supposedly) the last outstanding point, after which we can proceed to exchange/completion. We shall see! I've been picking out windows and floors so that the tradesmen can get to work asap, and can't help but worry that I'm jinxing things a bit. Oh well, the only way out is through, as they say!

Nearly there :j
Is it an unadopted road ? The house I've just moved into has an unadopted road . I got a stat declaration from vendor and maintenance seems to be pretty non existent except directly outside the 3 properties here