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  • FIRST POST
    • happytails
    • By happytails 27th Jul 17, 5:20 PM
    • 1,515Posts
    • 9,225Thanks
    happytails
    The NEW waiting to exchange thread...
    • #1
    • 27th Jul 17, 5:20 PM
    The NEW waiting to exchange thread... 27th Jul 17 at 5:20 PM
    So the other thread has gone awol so thought i'd start a new one! It was keeping me sort of sane during the house buying/selling process!

    A place to document your timelines and discuss the triumphs and woes of moving house!




    My timeline -
    Offer received and accepted on our house 17/07
    Offer made and accepted on the house we want 17/07
    Solicitors Instructed 17/07
    Meeting with mortgage advisor, all docs given 18/07
    Mortgage application submitted to Nationwide 19/07
    Documents picked up and filled in from Solicitor 19/07
    Documents and ID returned to Solcitor 20/07
    Valuation booked 20/07
    Solicitor composes draft contract & starts local searches 25/07
    Valuation carried out 26/07
    Solicitor gave us our fixtures and fittings form for purchase and requested marriage certificate 26/07
    My buyers valuation carried out 27/07
    Mortgage offer given 27/07

    Sarah

    Official MoneySavingExpert.com Insert:

    Hi all! For more help with your move read our guide:

    50+ House Buying Tips
    Last edited by MSE Andrea; 06-10-2017 at 11:50 AM.
    Sarah,

    Trying to move up the house ladder in 2018, running a business with 3 kids in tow & slowly going crazy!
    Member No43 - % Challenge
Page 105
    • Aliliva
    • By Aliliva 12th Jan 18, 10:18 AM
    • 143 Posts
    • 402 Thanks
    Aliliva
    Major drama down here: my solicitor was fired (yes, literally fired) by the firm I'm employing cause he was not progressing applications. Which means he never sent out any enquiries and now the whole thing has to be picked up by another solicitor.
    I'm half fuming half worrying that the vendors would pull out, cause we had informally agreed on an exchange date at the end of the months...and thanks to those idiots it looks like we'll be delayed by weeks! And to add worries on worries, my current flatmate is looking for someone to replace me from the beginning of march, so I might end up homeless
    • kates08
    • By kates08 12th Jan 18, 11:09 AM
    • 76 Posts
    • 92 Thanks
    kates08
    We've exchanged! Very traumatic week but we got there eventually, a week is enough time to pack up an entire 2 bedroom house, right? Better not make any plans for this weekend!

    Hope some of you get similarly good news before the end of the day :-)
    • kates08
    • By kates08 12th Jan 18, 11:11 AM
    • 76 Posts
    • 92 Thanks
    kates08
    Janey our for sale sign was blown down at one point, we were worried that our buyer would think exactly the same as you, took about 10 days for it to go back up again.
    • Littlebobo1981
    • By Littlebobo1981 12th Jan 18, 11:14 AM
    • 180 Posts
    • 271 Thanks
    Littlebobo1981
    Major drama down here: my solicitor was fired (yes, literally fired) by the firm I'm employing cause he was not progressing applications. Which means he never sent out any enquiries and now the whole thing has to be picked up by another solicitor.
    I'm half fuming half worrying that the vendors would pull out, cause we had informally agreed on an exchange date at the end of the months...and thanks to those idiots it looks like we'll be delayed by weeks! And to add worries on worries, my current flatmate is looking for someone to replace me from the beginning of march, so I might end up homeless
    Originally posted by Aliliva

    OMG ! STRESS !....not ideal :/ will they push things forward so you can get cracking, you poor thing you couldn't script it !
    • Firsttimebuyers
    • By Firsttimebuyers 12th Jan 18, 11:16 AM
    • 158 Posts
    • 160 Thanks
    Firsttimebuyers
    Well done Kates08 - we're only planning on a week to pack, it'll be fine!


    Aliliva - I'd be looking at a reduction in fee's from my solicitors if they'd done that, not what you need at all.
    • LitteButterfly500
    • By LitteButterfly500 12th Jan 18, 11:16 AM
    • 15 Posts
    • 17 Thanks
    LitteButterfly500
    Sadly withdrew my offer from the property I was hoping to buy. The shadiness from the vendor around the garden and outstanding structural issue have made me feel that I couldn't proceed with the sale.
    I'll be back to hunting Rightmove religiously.
    • Aliliva
    • By Aliliva 12th Jan 18, 11:17 AM
    • 143 Posts
    • 402 Thanks
    Aliliva
    OMG ! STRESS !....not ideal :/ will they push things forward so you can get cracking, you poor thing you couldn't script it !
    Originally posted by Littlebobo1981
    I knew it was going all too well at the moment, this is the very only thing holding me up, as everything else is in place, mortgage offer included
    • Littlebobo1981
    • By Littlebobo1981 12th Jan 18, 11:17 AM
    • 180 Posts
    • 271 Thanks
    Littlebobo1981
    Okay - so now i am super stressed worrying about stupid house we are buying ..trying to arrange an electrician without having any actual dates too ..which is a hard enough task because they need access to the property and we can't do that without the estate agents giving us access, which means we have to work around them and Electricians who can only do bloody evenings to view the property ...GIVE ME STRENGTH...i like my estate agents ( strangely) but wished they would be a bit more willing to help on evening viewings/weekends knowing that these are the only times most people can do in these cases !

    Solicitor has gone back to their solicitor regarding an indemnity policy so still waiting on that ..everything just taking so long and really fed up now as thought that we were almost there ..soon enough it will be Feb ...our buyers had said they wanted in by December :/
    • Littlebobo1981
    • By Littlebobo1981 12th Jan 18, 11:19 AM
    • 180 Posts
    • 271 Thanks
    Littlebobo1981
    I knew it was going all too well at the moment, this is the very only thing holding me up, as everything else is in place, mortgage offer included
    Originally posted by Aliliva
    I'd be furious i really hope they treat you with priority given this ..or some kind of reduction in fees at least ..so annoying for you
    • Aliliva
    • By Aliliva 12th Jan 18, 11:38 AM
    • 143 Posts
    • 402 Thanks
    Aliliva
    I'd be furious i really hope they treat you with priority given this ..or some kind of reduction in fees at least ..so annoying for you
    Originally posted by Littlebobo1981
    I've just emailed them my feelings...I couldn't do it yesterday, I was so much in a bad place that I couldn't even write anything sensible. I've told them I expect them to assign me someone on the spot and have the new person call me, but I'm afraid this might still end up costing me money: I was waiting for an advice from my sol on asking on a reduction (small one, indeed) to account for a few defects that came up in the homebuyer report, but I don't want to ask the vendors for a reduction at the very eleventh hour
    • JaneyLouWho
    • By JaneyLouWho 12th Jan 18, 11:58 AM
    • 155 Posts
    • 179 Thanks
    JaneyLouWho
    Thanks for the reassuring !!!8216;sold sign!!!8217; advice - I admit every little thing is sending me closer to the edge! After some sleep the more rational part of my brain has kicked back in
    Still awaiting confirmation that our buyers are proceeding after their survey on Tuesday - the house is old but well maintained, and the buyers are used to old houses, but I!!!8217;m still nervous until we have news that all is continuing as planned!
    Once they have been in touch we are nearly at the point of agreeing dates with them - we intend to proceed whether or not the house we are purchasing are ready to go as we have alternative accommodation for the interim period. But ideally, it would all line up neatly, for exchange and completion on both properties at the same time, so fingers crossed solicitors get a wriggle on next week.
    Nail biting times!
    • mailmannz
    • By mailmannz 12th Jan 18, 12:15 PM
    • 290 Posts
    • 176 Thanks
    mailmannz
    And we are done! Just had the call from the solicitors that we can go get our keys!

    I might start tearing up with joy
    • spendinglikemad
    • By spendinglikemad 12th Jan 18, 12:22 PM
    • 287 Posts
    • 1,636 Thanks
    spendinglikemad
    Kate08 and Mailmannz - fab news!!

    Gives me hope - no news here but dropped the ST forms into Sols for land registry and hope this moves fast

    Onwards to next week now!!

    SLM
    Family of 4 plus cat & pup!
    • Firsttimebuyers
    • By Firsttimebuyers 12th Jan 18, 12:40 PM
    • 158 Posts
    • 160 Thanks
    Firsttimebuyers
    And we are done! Just had the call from the solicitors that we can go get our keys!

    I might start tearing up with joy
    Originally posted by mailmannz

    Congratulations!!
    • phoebe1989seb
    • By phoebe1989seb 12th Jan 18, 12:41 PM
    • 3,242 Posts
    • 6,646 Thanks
    phoebe1989seb
    Janey our for sale sign was blown down at one point, we were worried that our buyer would think exactly the same as you, took about 10 days for it to go back up again.
    Originally posted by kates08
    Years ago our for sale board was burned down by an idiotic vandal. Next thing we knew the house we were buying - private sale - was being advertised in the local EA's window. Turned out our vendor had driven past and seeing no board, assumed we had changed our minds
    Paid off mortgage early - mortgage-free for ten years!

    Over 40,000 mis-sold PPI reclaimed
    • phoebe1989seb
    • By phoebe1989seb 12th Jan 18, 12:45 PM
    • 3,242 Posts
    • 6,646 Thanks
    phoebe1989seb
    Congratulations Kate08 and Mailmannz

    Aliliva, how absolutely awful for you......hope it doesn't hold things up too much!
    Paid off mortgage early - mortgage-free for ten years!

    Over 40,000 mis-sold PPI reclaimed
    • CommitedToChange
    • By CommitedToChange 12th Jan 18, 1:36 PM
    • 1,289 Posts
    • 4,022 Thanks
    CommitedToChange
    Finally cracked and emailed my sol to bug my vendors for an update.

    They got a reply yesterday from their lenders and it look like they'll accept the indemnity insurance they will review it today

    While that's good news WHY didn't they review it yesterday, my mortgage offer expires 100% at the end of the month- should there not be some sodding urgency aaaaarrrrrrrgggggggg
    Attempting to buy a house
    • Cheery Daff
    • By Cheery Daff 12th Jan 18, 1:54 PM
    • 8,182 Posts
    • 40,598 Thanks
    Cheery Daff
    Sounds like hugs and gin needed all round in here

    Can't believe your solicitor was fired Aliliva! :erk: hope you get another one pronto and they give you a hefty discount!

    Congratulations to those of you who've exchanged

    And muh patience to the rest of us... people DO move house every single day so I'm sure we'll get our turn one day just not today...
    Mortgage over payments since Feb 2018 = 558.25
    • vicki2221
    • By vicki2221 12th Jan 18, 3:19 PM
    • 65 Posts
    • 283 Thanks
    vicki2221
    Our surveyor called and said he was happy with the value of the house and it's in pretty good nick considering it's age, the wonky floors and walls and all the other eccentricities are all to be expected. He said he would love to live in it himself.

    Gins all round tonight. Have a good weekend everyone.
    • Firsttimebuyers
    • By Firsttimebuyers 12th Jan 18, 3:23 PM
    • 158 Posts
    • 160 Thanks
    Firsttimebuyers
    We have one outstanding query regarding a FENSA certificate I believe -and then we're ready to go.


    Signing Documents Monday, with a view to exchanging a week today!!
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