Buying house but delaying completion for 5 months

Semple

Ultimately the decision is really with your seller. If they're happy with potentially a 6 month gap then there may be no objections.

The problem they may face though is finding a property they like that their sellers are then keen to get things moving quickly, which either means dropping you and finding another buyer, or dropping the house and finding another one.

Frankly i think it's a pretty bad thing to do, if you can't "afford" the property with your current debts, then you shouldn't even be considering putting an offer in. It just screams timewaster.

highguyuk

I'd suggest your plan is probably unrealistic in the grand scheme of things, but as has been said, it does greatly depend on your sellers plans.

£4k shouldn't be the difference between buying or not buying a house, you need a buffer and savings pot in case of emergency.

And don't forget that even if you complete in say 3 months time, which is typical, you'll have paid off another circa £2-2.5k of debt.