Buying a house (and renting)

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Qikz
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PostRe: Buying a house (and renting)
by Qikz » Mon Feb 04, 2019 10:54 am

Well, I got confirmation that I'll have to pay for a license to have a pet in the building but I don't really care about that.

I've paid the reservation fee so as long as everything goes as planned the flat is now in my name and I should be moving next month. Holy gooseberry fool, some bad news was countered by some good news today.

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PostRe: Buying a house (and renting)
by pjbetman » Tue Feb 05, 2019 10:33 am

Qikz wrote:Well, I got confirmation that I'll have to pay for a license to have a pet in the building but I don't really care about that.

I've paid the reservation fee so as long as everything goes as planned the flat is now in my name and I should be moving next month. Holy gooseberry fool, some bad news was countered by some good news today.


Good stuff! One of the best days of your life, buying your first house.

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Qikz
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PostRe: Buying a house (and renting)
by Qikz » Tue Feb 05, 2019 6:15 pm

Solicitors fees. What's the ballpark figure of what you guys paid overall?

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Squinty
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PostRe: Buying a house (and renting)
by Squinty » Tue Feb 05, 2019 6:24 pm

Qikz wrote:Solicitors fees. What's the ballpark figure of what you guys paid overall?


A lot. Mine was like 900 quid plus on top of the house price. It made me cry.

But honestly, it's a necessary step to get your foot in the door. It is a really worthwhile thing to do, and I wish you all the very best with it.

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Lagamorph
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PostRe: Buying a house (and renting)
by Lagamorph » Tue Feb 05, 2019 6:46 pm

Qikz wrote:Solicitors fees. What's the ballpark figure of what you guys paid overall?

I paid about £800 last month for the conveyancing on redeeming my Help to Buy loan. But I think it was around £1,100 when I bought the house as that's when they do loads of checks.
Expect something in the £800-1200 range I'd say.

Do you need to pay Stamp Duty as well? Or are you exempt from that?

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Qikz
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PostRe: Buying a house (and renting)
by Qikz » Tue Feb 05, 2019 8:21 pm

Lagamorph wrote:
Qikz wrote:Solicitors fees. What's the ballpark figure of what you guys paid overall?

I paid about £800 last month for the conveyancing on redeeming my Help to Buy loan. But I think it was around £1,100 when I bought the house as that's when they do loads of checks.
Expect something in the £800-1200 range I'd say.

Do you need to pay Stamp Duty as well? Or are you exempt from that?


Exempt, property isn't expensive enough.

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Squinty
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PostRe: Buying a house (and renting)
by Squinty » Wed Feb 06, 2019 8:35 am

Pump has gone in the boiler I have. Ehhhhh.

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Qikz
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PostRe: Buying a house (and renting)
by Qikz » Thu Feb 07, 2019 11:58 am

Best quote I got in the end was 1.7k. Went with the solicitors my mortgage advisor recommends and since he's trustworthy I'm going with him (every other quote I got was around that mark but companies I didn't know).

Mortgage application got accepted. I guess things are moving forward now.

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Squinty
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PostRe: Buying a house (and renting)
by Squinty » Thu Feb 07, 2019 12:42 pm

Be prepared for the sellers agents to be idiotic bellends.

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Moggy
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PostRe: Buying a house (and renting)
by Moggy » Thu Feb 07, 2019 1:00 pm

Qikz wrote:Mortgage application got accepted. I guess things are moving forward now.


Great news that it was accepted but don’t expect thing to move very quickly. Even if everything goes smoothly the solicitors will still take an ungodly amount of time to process it all.

When I bought my flat it was as simple as could be. I was renting and the flat was empty and owned by a company desperate to sell. And it still took months and months before it completed.

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Qikz
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PostRe: Buying a house (and renting)
by Qikz » Thu Feb 07, 2019 1:37 pm

Moggy wrote:
Qikz wrote:Mortgage application got accepted. I guess things are moving forward now.


Great news that it was accepted but don’t expect thing to move very quickly. Even if everything goes smoothly the solicitors will still take an ungodly amount of time to process it all.

When I bought my flat it was as simple as could be. I was renting and the flat was empty and owned by a company desperate to sell. And it still took months and months before it completed.


Well I've been given a strict 28 day deadline to Exchange, so I hope it doesn't take months. :lol:

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Moggy
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PostRe: Buying a house (and renting)
by Moggy » Thu Feb 07, 2019 1:42 pm

Qikz wrote:
Moggy wrote:
Qikz wrote:Mortgage application got accepted. I guess things are moving forward now.


Great news that it was accepted but don’t expect thing to move very quickly. Even if everything goes smoothly the solicitors will still take an ungodly amount of time to process it all.

When I bought my flat it was as simple as could be. I was renting and the flat was empty and owned by a company desperate to sell. And it still took months and months before it completed.


Well I've been given a strict 28 day deadline to Exchange, so I hope it doesn't take months. :lol:


Well for your sake I hope your solicitors are not as slow as most. :lol:

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Photek
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PostRe: Buying a house (and renting)
by Photek » Thu Feb 07, 2019 1:45 pm

Buying a house is easily the most stressful thing I've ever had to do, the amount of bollocks to deal with for weeks and months on end constantly is infuriating.

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Qikz
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PostRe: Buying a house (and renting)
by Qikz » Thu Feb 07, 2019 2:34 pm

Moggy wrote:
Qikz wrote:
Moggy wrote:
Qikz wrote:Mortgage application got accepted. I guess things are moving forward now.


Great news that it was accepted but don’t expect thing to move very quickly. Even if everything goes smoothly the solicitors will still take an ungodly amount of time to process it all.

When I bought my flat it was as simple as could be. I was renting and the flat was empty and owned by a company desperate to sell. And it still took months and months before it completed.


Well I've been given a strict 28 day deadline to Exchange, so I hope it doesn't take months. :lol:


Well for your sake I hope your solicitors are not as slow as most. :lol:


:dread:

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Squinty
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PostRe: Buying a house (and renting)
by Squinty » Thu Feb 07, 2019 2:43 pm

Photek wrote:Buying a house is easily the most stressful thing I've ever had to do, the amount of bollocks to deal with for weeks and months on end constantly is infuriating.


It was stressful, but not as bad as I thought it would be. The estate agents were morons. Kept phoning me asking what was going on with my solicitors, when I knew as much as they did.

I had more stress buying a car recently tbh.

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Green Gecko
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PostRe: Buying a house (and renting)
by Green Gecko » Thu Feb 07, 2019 10:44 pm

Unfortunately giving you deadlines isn't the same as deadlines for everyone else.

Generally my world experience that whenever I meet deadlines it's a strawberry floating waste of time because other people take an age to fulfil their part of whatever obligations they've typically agreed to follow.

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It's the way it is. Just do stuff until it's done is about the only advice I can stand up for. Maybe I'm starting to feel time passing faster and faster :lol:

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Jenuall
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PostRe: Buying a house (and renting)
by Jenuall » Fri Feb 08, 2019 9:32 am

We completed our house move just over two weeks ago - from agreeing a price on the place to finally moving in was a period of about 3 months, which considering some of the hurdles we experienced was not too bad going.

It was absolutely the most stressful experience that I have ever gone through and I have no strawberry floating desire to do it again any time soon - if I can make it work so that I live my next 50 odd years and die in this house then Happy Days!™

That said whilst there are lots of "general" stress points with moving - solicitors being slow and frustrating to deal with, managing the expectations of a chain, how to transfer your life from one place to another as smoothly as possible, not to mention the sheer bloody cost of it all! But most of stress that can come will vary a lot depending on individual circumstances and how everything plays out for you. I've bought two houses in my life and the first one was an absolute breeze - went from renting to buying a new build off plan and it was a delightful experience!

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Drumstick
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PostRe: Buying a house (and renting)
by Drumstick » Fri Feb 08, 2019 9:40 am

Jenuall wrote: :crymeariver:

Did you get the boiler sorted out?

One man should not have this much power in this game. Luckily I'm not an ordinary man.
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Jenuall
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PostRe: Buying a house (and renting)
by Jenuall » Fri Feb 08, 2019 9:45 am

Drumstick wrote:
Jenuall wrote: :crymeariver:

Did you get the boiler sorted out?

Yeah, that all got sorted in the end.

The timing was the most frustrating part - if it could have just held out a few weeks longer, or if the house move could have completed quicker! It was massively annoying, and an expense I'd rather not have had to deal with but there you go, at least the people now living in our old house get to experience the benefit of a brand new boiler - lucky them! :lol:

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