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House buying is the worst

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We're nearing the date for the takeover of our new house - September 1st officially but the seller believes he can be out next week sometime. I just got home from a meeting with him, he has like 10 chairs and a dining table left along with a few small things. I'm just thinking, I can swing by during the weekend and help him out if that means I can get the keys on Monday! How can he spend a week moving so little? XD 

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Every part of this is so stressful. They seem to be asking for new details every other day and each one just gives me a pang of "they're (the mortgage company) looking for an excuse to back out". Someone did point out that if they wanted to back out, they would just say no and wouldn't bother with any of this, and that they're just checking everything which we know is in good order. 

 

Even so, my mental state is constantly flipping between "yes, we're getting a house" and "it's all falling apart".

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21 hours ago, Cube said:

Every part of this is so stressful. They seem to be asking for new details every other day and each one just gives me a pang of "they're (the mortgage company) looking for an excuse to back out". Someone did point out that if they wanted to back out, they would just say no and wouldn't bother with any of this, and that they're just checking everything which we know is in good order. 

 

Even so, my mental state is constantly flipping between "yes, we're getting a house" and "it's all falling apart".

This is why we went with a broker, I cannot imagine how much more stressful it is without. But I agree! It seems like everything is stacked against you when buying a house for the first time. You'll make it - I am sure of it! Everyone I've spoken to (and reading through here) has had to deal with pretty much the same thing.

Good luck Cube, you're gonna make it! <3 

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Got the keys to the house on Friday and have spent the time since then to fix it. Laying new floors, taking down stuff, removed a door opening, and getting the house ready for being painted. The painter starts (or maybe he even has started) now. So now the process has finally started and we are now packing down stuff. We got 100 moving boxes and I reckon we have filled about 30 or 40 now. I'm a bit worried that we didn't get enough! :D 

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On 20/08/2021 at 8:29 PM, Cube said:

Every part of this is so stressful. They seem to be asking for new details every other day and each one just gives me a pang of "they're (the mortgage company) looking for an excuse to back out". Someone did point out that if they wanted to back out, they would just say no and wouldn't bother with any of this, and that they're just checking everything which we know is in good order. 

 

Even so, my mental state is constantly flipping between "yes, we're getting a house" and "it's all falling apart".

Yeah, truthfully, they wouldnt be going through all that process without the $$$$ at the end of it.  Take a deep breath and keep calm.  Its all a load of red tape but you WILL get there!!!

 

A wise bird once told me that buying a house is one of the most stressful times of your life, and they weren't bloody wrong.  Especially first time round when youve never gone through the process!

Edited by Raining_again
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Now it's signing loads of stuff via solicitors....all of which is done by an app, which is just strange.

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We've done it via app too! You haven't gone with O'Niell Solicitors have you? 

After a bit of faff once again, our solicitor is leaving the company. Found out from our broker, which now makes sense was she was being really slow to reply! All looking good to complete on the 17th 

FINALLY. 

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On 03/09/2021 at 5:44 PM, nightwolf said:

We've done it via app too! You haven't gone with O'Niell Solicitors have you? 

It's with someone else.

We've just had a formal offer for the mortgage company (the part we were worrying about the most)!! Survey looks good (minor issue with the garage). We've had a list of contents which includes all the fitted blinds (vertical blinds on all windows except bathroom, which is a roller blind), CCTV, alarm system and some other things.

Got more stuff to sign then it's on to negotiating a date.

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First day at work after moving. Things have settled but phew, the days have just flown by, working on the house and getting everything ready for us to move in. It was exhausting and I'm glad it's mostly the fun stuff left now.

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We exchanged, completion is the 23rd! 

Buckle up kids its been a wild ride of a shitshow.

We had the drama with the mortgage that I think I detailed here previously with my partner's employer. That all got sorted and the mortgage deed was submitted, at this stage I thought nothing else could go wrong now. Hahahaha....! 

Once it was submitted, we waited...and waited and then I poked my solicitor, its been two weeks, whats going on? I kept being told it was with our lender, with no real information as to why. So I grabbed my broker, only to find out it was being stalled because my solicitor was adamant that our house was a green house (Nationwide will give you £500 cashback if you buy a house with a high EPC rating), yet after myself, my broker and TWO managers at Nationwide saying it was an EPC D rating, including the EPC doc I had got from the solicitor themselves, she wouldn't budge.

Then she went silent...oh fml. I then found out she had handed in her notice, so she went AWOL, another week goes by and with some serious pestering to other solicitors in her team we finally got them to drop the green cashback. 

At this point our estate agents from the seller were hounding me every single day, in some instances multiplte times a day, this past week its been nearly every hour. I begged my solicitors and my broker for help...for them both to be on holiday.

WTF. 

Finally managed to get some responses, spent the better half of three days emailing and calling various people in my solicitors to get them to assign a new agent to me. In the end my broker had to do work whilst on holiday to get them to shift, with emails all the way to the head of that particular branch to move it around.

Finally on Friday after threats from my seller we exchanged and we complete next week. 

OOFT. Considering we're first time buyers with technically everything "correct" its been a weird riot. The moving of items will be the easy bit after all. Long as the movers don't fuck us up. :laughing:

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Not about me, but a colleague at work has been selling her old house in Manchester she had with her ex. They got an offer on the asking which they accepted naturally and contracts have been signed. But the buyer then wanted to bring in some contractors to look at the roof/some damp - which has been stated a minor/whatever the term is on the survey report on the house, and apparently 4-ish tiles may need replacing. On the day some people were meant to go around, her dad and her ex went to the house to let them in but after 3 hours never showed up.

Naturally she's a bit pissed at this, you would've thought all this negotiating tactics would happen before putting in an offer, instead of getting the paperwork rolling and then trying to lowball after. They were meant to be coming at them with some offer on Friday, which they've already decided that they'll flat out refuse, and if the buyer walks from that they've got all their solicitors bills etc to pay, whereas she doesn't, as they only get paid upon sale.

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3 hours ago, EEVILMURRAY said:

Not about me, but a colleague at work has been selling her old house in Manchester she had with her ex. They got an offer on the asking which they accepted naturally and contracts have been signed. But the buyer then wanted to bring in some contractors to look at the roof/some damp - which has been stated a minor/whatever the term is on the survey report on the house, and apparently 4-ish tiles may need replacing. On the day some people were meant to go around, her dad and her ex went to the house to let them in but after 3 hours never showed up.

Naturally she's a bit pissed at this, you would've thought all this negotiating tactics would happen before putting in an offer, instead of getting the paperwork rolling and then trying to lowball after. They were meant to be coming at them with some offer on Friday, which they've already decided that they'll flat out refuse, and if the buyer walks from that they've got all their solicitors bills etc to pay, whereas she doesn't, as they only get paid upon sale.

We actually had a very similar issue come up in our homebuyers. Unfortunately how it works from my understanding is that the surveys you do (and your solicitor does) come after the offer. So you do have to as a seller put up with re-negotiation. For us we just said that we would let it slide but instead they filled up the small pond in the back garden for us instead. 

To not turn up is rude as hell, but ultimately an offer doesn't mean a whole lot, its just an agreement at the time of it, there's no way to know as a buyer until those valuations and surveys happen that its actually worth the price. :eek: Though the sellers (until exchange) are totally fine to walk away at any point. So hopefully they are up for negotiating if another buyer notices it (because if they do their due diligence they will!) 
 

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On 19/09/2021 at 12:22 PM, nightwolf said:

Then she went silent...oh fml. I then found out she had handed in her notice, so she went AWOL, another week goes by and with some serious pestering to other solicitors in her team we finally got them to drop the green cashback. 

At this point our estate agents from the seller were hounding me every single day, in some instances multiplte times a day, this past week its been nearly every hour. I begged my solicitors and my broker for help...for them both to be on holiday.

WTF. 

Finally managed to get some responses, spent the better half of three days emailing and calling various people in my solicitors to get them to assign a new agent to me. In the end my broker had to do work whilst on holiday to get them to shift, with emails all the way to the head of that particular branch to move it around.

My nan is releasing equity in her house or something and it got delayed for the best part of a year because of Covid and also because the signatory from the bank (or something like that) left under a cloud and there was an ongoing issue there in which she refused to do anything and also refused to sign over any cases to anyone else until the courts got involved and took it away from her. 

One of those times you go "if that was me at my job I wouldn't be able to get away with that".

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