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Started by urbanbumpkin on Mar 11, 2011 9:31:38 AM
The Buying/Selling/Moving Home Thread

Agents, surveys, buyers, sellers, solicitors, mortgages, removers, and all the rest of the whole stressful enterprise.

Talk about it here.

urbanbumpkin - 11 Mar 2011 09:32:17 (#1 of 11343)

There is still a functioning version of this thread over on thegraun but I thought I'd start one here too.

Kucinghitam - 11 Mar 2011 11:31:33 (#2 of 11343)

<moves in>

<unpacks kettle and mugs>

<realises teabags are 100 miles away>

urbanbumpkin - 11 Mar 2011 11:34:06 (#3 of 11343)

Hello, Kuc!

How is it all going?

Or do you not want to talk about it?

Kucinghitam - 11 Mar 2011 11:49:52 (#4 of 11343)

Hello, urban!

Still not going well, to say the least. Warning: rant ahead...

Freeholder's solicitor is being ultra slow at getting documents to my solicitor (despite me prodding the freeholder, who prodded them in turn) so our flat sale has stalled while we all wait around getting more and more stressed. So not even a mention of signing contracts, let alone any idea when we are going to exchange.

Our building society have bolloxed up our mortgage application somewhat.

They wrote again a few days ago asking for more information - this time wanting to know where the additional funds are coming from (to make up the difference between the mortgage amount and our deposit). We had already told them, namely it will be coming from the sale of our flat, and indeed they already knew because in a previous phone conversation MrK had with them, the case handler chirpily commented on it to him!

Anyway, when we got this letter, MrK rang them and the person who answered said they'd never heard of our case handler, so asked him to send an email to the BS explaining about the money. Which he did. Having heard nothing for a couple of days, he rang again today only to be told that our case handler has no email access!!!! He is currently waiting for them to phone him back.

The name of this chaotically operated, shoestring little building society? Starts with 'N'.

urbanbumpkin - 11 Mar 2011 12:38:50 (#5 of 11343)

No email access?

Sheesh! How exactly do they do business.

I have a new kitchen floor, so we are ready for photos and the Home Report revisit.

FestinaLente - 11 Mar 2011 23:54:59 (#6 of 11343)

I have what seems to be a simple task ahead of me, not buying or selling anything, simply moving from one rental house to another. But I'm downsizing big time, from a quite large three bedroom house to a very compact one bedroom, less than 500 square feet, with very very little storage space! I have to weed and winnow and toss and donate like a fiend to keep my new space from looking overcrowded. What can I live without?

we are ready for photos and the Home Report revisit.

Is that like the Architectural Digest?

helbel - 12 Mar 2011 14:11:39 (#7 of 11343)

Hello! I've moved. Everything is in boxes, as I have to clean before I can unpack. I reckon another 3 kitchen cupboards to scrub and then I'll be able to unpack the kitchen.

urbanbumpkin - 12 Mar 2011 17:19:50 (#8 of 11343)

Excellent, helbel!

Do you have any boxes in cupboards that haven't been looked at in ages, Festina? General advice is to just ditch things you haven't touched in years without opening up the boxes. That way you don't get sucked in. Exceptions for carefully put away family heirlooms of course!

Is that like the Architectural Digest?

If only!

The Home Report is the survey for selling a house. Here in Scotland the seller gets the survey done. You can't legally sell a house without having a survey and energy report. It is supposed to stop buyers having to keep getting surveys on various properties done, and ending up spending a fortune. Although they can of course get extra ones done, if they want.

There were a few minor things on ours that were going to be easy to get rid of in the work we were doing before putting it on the market. So we have done them and the surveyor is coming back out to confirm that they have been dealt with before he crosses them off the report.

airynothing - 12 Mar 2011 18:10:57 (#9 of 11343)

Congratulations, Helbel! Hope you're very happy in your new home.

<hangs out bunting>

DebbTwo - 13 Mar 2011 09:21:00 (#10 of 11343)

MrD2 and I are driving out to look at a house we've spotted for sale on t'internet. After finding one that meets many of our criteria, I'm now dreading the whole idea of moving again and thinking we should stick with what we've got.

Jani123 - 13 Mar 2011 09:48:51 (#11 of 11343)

I'm dreading moving too, but really want to move out of London.

The practicalities of moving four cats is going tobe our biggest problem.

SpunDooly - 13 Mar 2011 10:09:44 (#12 of 11343)

Festina - we have a similar problem. Moving from the biggest place we are ever likely to live in to something much more reasonable. We've more or less accepted every bit of furniture we've been offered here and now have to pass it all on again. Its good in a way to get rid of the "schnee" (as my inlaws call it) but I'm a bit of a hoarder so its also painful. The tricky part with the furniture is that I keep telling myself we'll see what works in the new place and then make a decision - but I know this will probably end with me keeping everything in a big cluttered mess for far too long.

helbel - 14 Mar 2011 13:57:05 (#13 of 11343)

And now my seller wants his hall mirror and doormat back. Is it wrong that I said tough?

I just want it to be over.

urbanbumpkin - 14 Mar 2011 14:04:26 (#14 of 11343)

Not wrong at all. He should have taken them in the first place.

Wombat - 14 Mar 2011 14:12:26 (#15 of 11343)

Nope - your house. Your contents, for good or bad.

FestinaLente - 14 Mar 2011 15:11:32 (#16 of 11343)

SpunD, I'm making a list of all the furniture I need to get rid of: the dining room table and 4 chairs, the dressing table/desk with the big mirror, the huge enormous tv that isn't hooked up to anything, etc. I'm keeping anything that can do double duty (cedar chest and old foot locker to serve as side tables, for instance) and giving away anything redundant (I already have a small desk, and a big mirror, so don't need the combination item.) I emptied out drawers this weekend, culling old paperwork that I can't figure out why I kept in the first place. Have to keep reminding myself that I was born with nothing and will die with nothing. So why does life end up being such a clutter? People, eh?

Kucinghitam - 14 Mar 2011 15:14:40 (#17 of 11343)

We got our survey report on MediumHouse. Have been mulling on it over the weekend and now feeling very undecided and rather down. Overall, it gets a glowing report (and MrK had an informal chat with the surveyor, who said that in general it is a great house).

It turns out that the back of the house was underpinned in the 1990s (there doesn't seem to have been any movement since). The vendors have loads of paperwork on it which is apparently being sent to our solicitor. There is an ongoing Certificate of Structural Adequacy and have just had the overseeing engineers in to do an inspection so that the warranties can be transferred to us.

BUT I've done a lot of reading over the weekend and it seems that we will have trouble getting buildings insurance except for sticking with the same insurer as the current vendors have, and then putting up with whatever increase in premiums they care to throw at us. There are also suggestions that, even if we find another insurer, that this is a bad idea because of loss of continuity of paperwork.

And all this will have a knock-on effect on any future sale, forever and ever.

So it feels like right now our options are to ask for a price reduction (but how do we calculate what this sort of nonspecific trouble is worth??) or to pull out.

urbanbumpkin - 14 Mar 2011 15:38:12 (#18 of 11343)

Have you talked to your own insurers about it yet?

I would keep going for now, but get all the info possible from insurers etc. Remember you can pull out until the last minute, no need to pull out right away.

Is BigHouse still available?

urbanbumpkin - 14 Mar 2011 15:46:18 (#19 of 11343)

Also, these people for a quote:

If you ask for a discount you could pitch it at a level of 10 years worth of increased oremiums plus any structural survey/reports you need for insurance, plus a bit for loss when you sell it.

Kucinghitam - 14 Mar 2011 15:49:54 (#20 of 11343)

Thanks for the link, urban! I will definitely check it out.

We've passed on our concerns to the vendor via the agent and are waiting to hear back. There are other issues with the house like damp and woodworm in the cellar, so we're also trying to organise a specialist surveyor.

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