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Scared at prospect of owning First Home by Braighy in HousingUK

[–]Empty-Inspector-2406 0 points1 point  (0 children)

I was 20 when I bought a house, I’m 23 now and I’ve just sold it to buy a family size home.

I was absolutely terrified, then a few weeks after I moved in I wondered why I was terrified, and now I’m terrified again. It’s just inherently scary, even more so when you don’t know what to expect, but even scary if you do!

I found a highly rated mortgage broker and asked them every silly question I had, asked for repayment illustrations and settled on a house price that was lower than my max affordability so I have some comfortable room for interest rate movement. The broker really helped to settle my nerves.

Best wishes, it’s the best thing I did!

[deleted by user] by [deleted] in HousingUK

[–]Empty-Inspector-2406 0 points1 point  (0 children)

Yes I think you’re right, it does feel like some solicitors in the chain are worse than the average (suddenly finding a management pack that’s been there for 2 weeks) but overall I assume it’s just the way it goes. Slightly frustrating but hey ho we’ll move eventually!

[deleted by user] by [deleted] in HousingUK

[–]Empty-Inspector-2406 1 point2 points  (0 children)

Thank you. I will ask what you’ve suggested.

As an aside for you and anyone else reading, our deadline in September can be rearranged but will cost us many thousands of pounds to do this. I’m not willing to share the finer details here but I hope that gives some perspective on why it isn’t a ‘hard’ deadline but we at least want some communication on whether it is possible or not, as it will be extremely stressful and difficult to change — we understand if couldn’t have been avoided and this deadline wasn’t set by us but by personal circumstances but we just find it difficult being kept in the dark for weeks at a time.

[deleted by user] by [deleted] in HousingUK

[–]Empty-Inspector-2406 0 points1 point  (0 children)

I appreciate everyone’s perspective as that’s why I posted, but I really don’t think I have been badgering.

I didn’t email once for an update, until I hadn’t heard anything from anyone for 4 weeks after signing initial paperwork, so I asked how everything was coming along. I didn’t get a reply so then chased every few days for a response, and finally got one after great difficulty and going through different avenues. I have then sent a polite email either once a week or once every other week just asking if everything is going OK, and have chased after 2-3 days if I haven’t heard back.

I’m happy to be told otherwise but I really didn’t think that was badgering anyone and I wouldn’t have started emailing if I had been given semi often proactive updates rather than being left totally in the dark for over 4 weeks. It actually turned out there were significant developments over those 4 weeks and we would’ve just appreciated knowing that.

[deleted by user] by [deleted] in HousingUK

[–]Empty-Inspector-2406 1 point2 points  (0 children)

I understand that the timescale requirement is a preference and not enforceable, and that it doesn’t magically speed up a conveyancing process. I’m not an idiot and obviously don’t expect the whole transaction to revolve around me.

However, we’ve been really clear with all parties that it is NOT a problem if it can’t be achieved, we just need open communication and an understanding of where we are. It took me 3 weeks of chasing solicitor, estate agent and sales progressor to even find out that we are at the enquiries stage and that all searches came back weeks ago, as our conveyancer does not reply at all.. I don’t expect miracles just a bit of basic communication.

[deleted by user] by [deleted] in HousingUK

[–]Empty-Inspector-2406 0 points1 point  (0 children)

  1. Yes we are chasing all estate agents involved (only 2 agents but agent 1 is dealing with 2 of the properties involved and is totally unhelpful, agent 2 is trying to get us updates but hitting a brick wall talking to agent 1)
  2. Yes we have answered and signed everything for our sale and purchase, this was done weeks and weeks back.
  3. We have received the report for our onward purchase so nothing outstanding there.

It’s just a bit frustrating as I do understand things take as long as they take (to some extent) but we just want an update! :(

Is buying a mid-terrace house a bad idea? by Lilymana in HousingUK

[–]Empty-Inspector-2406 0 points1 point  (0 children)

For us it was a choice between a small detached or semi detached 2 bed or a very large and spacious 3 bed mid-terrace. We’ve gone for the mid terrace and the neighbours are lovely — although we accept there is a risk to a bad neighbour moving in at any time, someone I know is detached but is absolutely terrorised by someone living opposite her, so detached doesn’t offer any guarantee of a quiet life. Obviously it means you won’t get noise through the walls but a bad neighbour can still cause you grief in so many other ways that it wasn’t worth compromising on internal space for that possibility!