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WELCOME TO DOGTALK COME IN AND JOIN THE FUN, WE DON'T BITE............
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 Ooh Bren.....

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fredsmum
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PostSubject: Ooh Bren.....   Mon Sep 30, 2013 6:40 pm

What stage am I at in my house move

I've sent off my sale and purchase forms to the solicitors, we've got a mortgage In principal, the survey on our house has been done today, we then received a text off our solicitor saying that our draft contracts have been prepared on our sale and will be with us shortly

Are we doing okay do you think?? Anything we need to keep on top of???

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PostSubject: Re: Ooh Bren.....   Mon Sep 30, 2013 8:30 pm

Your doing great  

So have you had your purchase house surveyed yet  
Your draft contract for your sale will be sent to your purchasers solicitor this includes all the paperwork you have filled out ie fixtures and fittings etc  Once they have had the survey results their solicitor will then do searches and raise any enquiries if there are any   It will be the same for your purchase  
If your buyer isnt selling anything and the one your buying isnt buying Depending how quickly you both get your mortgage offers and if there arent many enquiries you could in theory move really quickly  
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PostSubject: Re: Ooh Bren.....   Mon Sep 30, 2013 8:37 pm

Just make sure if any enquiries are raised you answer them asap  and ask your estate agent to let you know as soon as your purchaser has their mortgage offer   
 if your selling to first time buyers its the mortgage offer that might take longer to come through but  everything will go perfectly for you
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PostSubject: Re: Ooh Bren.....   Tue Oct 01, 2013 6:11 am

Ooh so were doing alright then cheers got that Hun, I'm new to all this

Our buyer already has a mortgage in principal in place ...

I'll give my solicitor a ring midweek to see what happening with the survey and the searches

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PostSubject: Re: Ooh Bren.....   Tue Oct 01, 2013 11:04 am

  mortgage in principle doesnt mean they have a mortgage offer   it just means the lender has agreed to lend subject to survey and legals etc   This is where alot of sales fall apart because people assume the money is sorted but it Isnt  
We are still waiting 6 weeks in for our purchaser to get a mortgage offer  mind you their mortgage company are really messing them about   
On your sale If you havent had a surveyor round within 2 weeks of agreeing the sale  chase the estate agent and ask them whats happening    if the surveyor has already been then give it a week or so after then ask the estate agent if they have their mortgage offer yet  Dont keep hassling them but just make sure your estate agent knows that you would like to be kept up to date with things
Same goes with your purchase you wont know you definately have the mortgage until the house has been surveyed and you have a firm mortgage offer A copy of this will be sent to you and your solicitor  
I wouldnt contact your solicitor to instruct the searches until you know the surveys are all ok
Nothing really happens solicitor wise for the first few weeks except the paperwork being filled out and the contract drawn up

Keep us updated
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PostSubject: Re: Ooh Bren.....   Tue Oct 01, 2013 11:16 am

Ooh blimey ...

I'm even more scareder now


The survey on our house was done yesterday, it sure when the survey on the house were buying is being done

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PostSubject: Re: Ooh Bren.....   Tue Oct 01, 2013 11:26 am

Im sure it will be fine    They are obviously keen to get the survey done quickly  
Its better that your house has been surveyed first  
Give it a week then ask the estate agent if your purchaser has had his mortgage offer yet  
It can seem pretty scarey but try to chill about it     Moving house is very stressful
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PostSubject: Re: Ooh Bren.....   Tue Oct 01, 2013 2:49 pm

deep breaths lol!!

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PostSubject: Re: Ooh Bren.....   Wed Oct 02, 2013 5:21 am

How exciting Shell, crossing everything that this all goes well for you :)

Where is your new house? Has it got all the bits n bobs you want and garden etc that you were after?

Ohhh I am nervous for you hun.
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PostSubject: Re: Ooh Bren.....   Wed Oct 02, 2013 7:03 am

My stomach is constantly in knots Sandra

It's in a lovely area called borrowash with fields in front of us, Tia's school is 2 minutes up the road and were surrounded by lovely walks...the garden is lovely and big for the dogs so its all perfect to be honest ... Fingers toes and paws crossed it all runs smoothly

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PostSubject: Re: Ooh Bren.....   Fri Oct 04, 2013 3:51 pm

Oh for f**ks sake!!!!!  

I've had the estate agent of the persons house we are buying today ring us up... He has decided to look for somewhere to buy now, he's decided there's nowhere suitable to rent!!!! ....

So were in a dilemma, this could potentially hold us up for a few more months ... The people who are buying off us are pushing through at the speed of light (the words of our estate agent!) ...

What do we do Bren , we've been advised to wait a week to two weeks before we make any decisions about looking at another properly we were interested in!! So we've decided to make an appointment to see the person were buying from to see how much of a rush he is in to get somewhere else ...we have a feeling he's not in any rush

The other option is to stick it out and our estate agents said they would have a talk with our buyers to see if there's a possibility we could rent from them on a month to month basis until our house is ready, but in that instance all our mortgage details will change as my fella will no longer be in the army and will have just started another job

Oh the bloody joys of moving

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PostSubject: Re: Ooh Bren.....   Sun Oct 06, 2013 5:56 pm

Brennnnnnnnnn please come online and reassure me

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PostSubject: Re: Ooh Bren.....   Tue Oct 08, 2013 12:22 am

Hi Shelley don't panic I would have another viewing and advise the guy you are buying off that you need to move quickly due to hubby job situation and mortgage tell him you may have to look elsewhere if there is going to be a hold up with him buying I definitely wouldn't complete on your house and rent just in case you get turned down for a mortgage when your hubby changes job otherwise you could get stuck in rented Nightmare for you having 3dogs and definitely what you don't want if you explain the urgency of moving quickly and that you may have to look elsewhere he may change his mind
If you don't want to speak to him then ask his estate agent to speak to him try to not get upset but be as assertive as you can and say you need to get something sorted asap you never know he may have seen something he likes that is empty. Good luck
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PostSubject: Re: Ooh Bren.....   Tue Oct 08, 2013 6:42 am

Hi Bren

We went to see our sellers estate agent yesterday and apparently he had been in that morning too, he hasn't completely ruled out renting and the estate agent had found him some houses to buy and rent in the area he's after!... We voiced our concerns and said that the sales were due to complete late November which were his wishes as he didn't want to move near Christmas ...

The estate agent he spoke to said its a very delicate time for him and that he's a very nervous man and was finding it hard, I understand that but come on.... When you put that sign up in your garden you now it's crunch time!!!!
The estate agent who was dealing with us was more sympathetic towards us lol ....she understood what was worrying us, so she rang him there and then and left a message, saying we had been in and could he ring her back for a chat, she said she would give us a ring on Wednesday to update us

We suggested that that maybe his reason for not wanting to move into rented was because he had lots of pot plants and a summer house he thinks a lot of, so we asked them to let him know that if they're causing him problems in moving out, we do not mind if he leaves them with us when we move into his house until he's properly settled!

Bloody moving....why do you don't so much Bren, I'm having palpitations every day lol

On the up front, my fella starts a new job next week....not as highly paid as his last one but none the less its a job ...and we worked out if we struggle for a mortgage, we could combine his wages with his pension and use Nicole's wages too (put her on the mortgage) it would bring us up to the wages he was on in the army plus we would have a Nice big fat wedge in the bank

Sorry for all these worries and questions Bren ...I know you've got a lot on with your move thank you

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