Buying a house

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Squinty
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PostRe: Buying a house
by Squinty » Thu Jan 19, 2017 9:07 am

Thanks Photek. I rang the bank and they said they don't send that out anymore for standard purchases. Solicitor was happy enough and apologised for wasting my time.
Got my documents sorted as well, so I don't have anything else outstanding to sort until they need more out of me.

Definitely starting to feel some of that home moving stress. To be honest, I'm starting to get a little anxious about it. I'm sure it will be grand once I settle :toot:
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Squinty
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PostRe: Buying a house
by Squinty » Fri Jan 27, 2017 7:56 am

Got an estimated date for the move. Just over two weeks away. Eek.
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Roonmastor
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PostRe: Buying a house
by Roonmastor » Fri Jan 27, 2017 11:36 am

I'm in the viewing stages at the moment. Seen about 15 houses but the one I saw last night was offer-worthy. Going to try and book a second viewing for tomorrow but the place only went up on Saturday and one offer has already gone in and been rejected. It's almost as bad as London houses.
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Drumstick
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PostRe: Buying a house
by Drumstick » Fri Jan 27, 2017 1:16 pm

Roonmastor wrote:I'm in the viewing stages at the moment. Seen about 15 houses but the one I saw last night was offer-worthy. Going to try and book a second viewing for tomorrow but the place only went up on Saturday and one offer has already gone in and been rejected. It's almost as bad as London houses.

What area are you looking to buy in?
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Roonmastor
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PostRe: Buying a house
by Roonmastor » Fri Jan 27, 2017 1:27 pm

Looking in the South Manchester area around Stockport.

House I wanted to look at a 2nd time has just had another offer put in and the agency want me to put an offer in just for the second viewing. Decided that wasnt a smart play (without wifeys input) so just reaffirmed my serious intent to offer and seeing how that goes.
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Roonmastor
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PostRe: Buying a house
by Roonmastor » Sat Jan 28, 2017 2:48 pm

So got my viewing this morning using the above plan, put in an offer afterwards and they asked if it was my best offer and I said come talk to me about it if it doesnt get accepted.

Get a call back saying it wasnt accepted and no opportunity to re-offer. I asked for time to review and she said you told me that was your best offer so be quick about it. Bloody estate agent pressure meant we didnt get time to speak to our financial advisor so put another offer in and said it was best.

That too got rejected. I had since gotten hold of my advisor who said it sounded like the agency had made up their minds to give it to the other bidders so brace for the worst. I decided that we had room still to afford it and negotiate so put in a final offer still under the asking price, given our advisor had said we could stretch a bit further. Agent got a bit pissy and said the other party had already been told they had their bid accepted. Knowing what my advisor said, I restated her job to get the best price for her clients and she shouldnt have confirmed any acceptance until we were confirmed out. Given they had only spoken to us minutes earlier, I doubted the acceptance was recent. Having "told her" she went off with our offer.

And it was accepted! Now just the hard work to start doing all the jobs on solicitors and that. And worrying that we might also get countered.
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Squinty
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PostRe: Buying a house
by Squinty » Sun Jan 29, 2017 2:08 pm

Estate agents :dread:

They have been the worst part about this entire experience for me. They phoned me about 3 times in one day, returned their call and they basically told me to get a move on with sending documents back. I would have been alright with that. But I hadn't even received said documents at that point. They came two days later in the post. The phonecall was borderline passive aggressive :lol:

Solicitors want more bank statements from me to see where the money came from for the deposit. Bank are being a gooseberry fool and can only give me 6 months of statement :simper:
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Moggy
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PostRe: Buying a house
by Moggy » Mon Jan 30, 2017 6:18 pm

Just tell them you stole the money.
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Photek
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PostRe: Buying a house
by Photek » Fri Feb 03, 2017 10:42 am

What kind of bank can only get 6months of statements? I can get a couple of years of them online with bank of Ireland!

I kind of knew it but found out for certain that we got house about 50k below its market price, it was a combination of seller being desperate and previous 'buyers' not being able to get a mortgage at last minute. Mortgage restrictions have been eased over here since 1st of January and the house we in jumped up 30k (was already 20k under next door's asking price). Not only that but missus was talking to guy who works in the bank and said we got the house at a steal, no negative equity for us! :datass:
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Squinty
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PostRe: Buying a house
by Squinty » Fri Feb 03, 2017 10:48 am

Photek wrote:What kind of bank can only get 6months of statements? I can get a couple of years of them online with bank of Ireland!


Ulster Bank. I don't know if it's certain types of accounts that they don't keep records for.

I haven't actually heard back from the solicitor. They said it would escalated to their risk manager or something.
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Squinty
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PostRe: Buying a house
by Squinty » Thu Feb 09, 2017 7:20 am

Still waiting on a date. Christ on a bike, this is beginning to strawberry float me off.
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Squinty
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PostRe: Buying a house
by Squinty » Thu Feb 23, 2017 9:43 am

Providing everything is alright with funds being transferred, I should have my keys this afternoon.
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Drumstick
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PostRe: Buying a house
by Drumstick » Thu Feb 23, 2017 9:47 am

Squinty wrote:Providing everything is alright with funds being transferred, I should have my keys this afternoon.

Best of luck! What will be your first act as a homeowner?
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Squinty
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PostRe: Buying a house
by Squinty » Thu Feb 23, 2017 10:13 am

Drumstick wrote:
Squinty wrote:Providing everything is alright with funds being transferred, I should have my keys this afternoon.

Best of luck! What will be your first act as a homeowner?


Painting. Lots of painting :lol:
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Drumstick
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PostRe: Buying a house
by Drumstick » Thu Feb 23, 2017 10:18 am

Squinty wrote:
Drumstick wrote:
Squinty wrote:Providing everything is alright with funds being transferred, I should have my keys this afternoon.

Best of luck! What will be your first act as a homeowner?

Painting. Lots of painting :lol:

Interesting. I've been trying to paint our downstairs WC for the past fortnight and if there's something I've learnt from it, it's that I can't stand it. Rolling the walls I don't mind, but it's going along the edges trying carefully not to overstep. I just can't do it. I've only got a small bit left to do now but I think I'll be retiring from the trade after this.
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Squinty
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PostRe: Buying a house
by Squinty » Thu Feb 23, 2017 11:21 am

Big masking tape is a necessary. I did our landing there a few months ago without it and it looks like a strawberry floating disaster.
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Errkal
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PostRe: Buying a house
by Errkal » Thu Feb 23, 2017 2:23 pm

Masking fluid is another option if tape is awkward, it goes on like tipex stuff and peels off like masking tape when done.
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PostRe: Buying a house
by Glowy69 » Thu Feb 23, 2017 6:22 pm

We painted the nursery a few weeks back. The walls were okay, the the skirting boards and the gloss :dread: It goes strawberry floating everywhere. I now want to paint all the doors though as they all look dirty compared to the nursery door :lol:
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PostRe: Buying a house
by Lagamorph » Thu Feb 23, 2017 6:29 pm

For painting doors the best way is to take them off surely? Take them down, take them outside on a nice day or into the garage and paint them there. Not having to worry about paint/gloss going all over that way.

Not that I've ever done it before myself. I'll just pay someone else to do it.
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Grumpy David
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PostRe: Buying a house
by Grumpy David » Thu Feb 23, 2017 7:33 pm

Anyone on here a building surveyor or structural engineer? Need to pick your brains if so!

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