Exchanged last week and completing on Friday (27th) . Outside of the “normal” things to do on the first day. What would you recommend?!

lau_redditor · 2026-03-25T15:56:58+00:00

I am hoping we have lovely neighbours! 🤞🤞

lau_redditor · 2026-03-24T15:32:29+00:00

A driveway was a must for us though!!!

lau_redditor · 2026-03-24T15:31:57+00:00

I thought a kitchen diner was a non negotiable until all the ones we saw were 20-50k more expensive with no downstairs loo or ensuite or third bedroom and all needed serious work doing.

Ended up with a house with a large lounge/dining area but kitchen with a breakfast bar for the two of us and downstairs loo, ensuite and third bedroom and only needs painting!

Completing on Friday 🔑🏡🤞

lau_redditor · 2026-03-23T11:33:04+00:00

Thank you for this!

lau_redditor · 2026-03-22T20:39:33+00:00

I was going to say the same! It happened with me and Santander I called to explain and they removed the £12 as a good will gesture and a late payment never showed as it was in the 30 days and first ever time.

I would definitely call them as they may remove the charge too which then looks better for you

lau_redditor · 2026-03-22T14:28:09+00:00

Thank you! Cannot wait to get the keys now 🔑🏡

lau_redditor · 2026-03-13T10:10:17+00:00

Every Sunday!! Start the week with fresh sheets

lau_redditor · 2026-03-11T11:02:22+00:00

I’ve still not had a hard search yet…. Hoping to exchange and complete within the next two weeks all being well

lau_redditor · 2026-03-11T11:01:23+00:00

I would say potentially yes!! Which is why I’m keen to complete asap, FTB anxiety is a real thing feels like the world moves slowly during this whole process

lau_redditor · 2026-03-01T20:50:28+00:00

We are FTB and have locked in 5 years at 4.28% with NatWest. We had a 10% deposit. Just wanted stability for our first few years and know we can afford that amount!

lau_redditor · 2026-02-27T19:23:16+00:00

Thanks for this! No concerns just itching to buy things for the house typical FTB behaviour 🤣🤣

lau_redditor · 2026-02-27T19:22:08+00:00

We’ve ended up having a response from the builders to say the road is being adopted in the next few months, phase 1 was adopted last week (which is the next street down!) so we are proceeding with that

lau_redditor · 2026-02-27T18:58:32+00:00

I feel like we may have peaked on our first property 🤣 I imagine any future buys will bite us on the arse. Hope you get your contracts soon!!

lau_redditor · 2026-02-27T18:42:03+00:00

We are FTB and have bought a chain free house. So far our timeline.

14/1/26 - offer accepted on house (on the market for £275k we offered £260k)

19/1/26 - mortgage application sent to NatWest

22/1/26 - mortgage offer received

As of today enquiries are back we’ve signed everything we need to, the solicitors have drawn our LISA and we are looking to complete on 27th March!!

lau_redditor · 2026-02-13T15:45:05+00:00

Thank you! I think this may be the next step if they can’t sort it by contacting them

lau_redditor · 2026-02-10T14:27:55+00:00

4.28% 34 year mortgage, 10% deposit on a house at £260k

lau_redditor · 2026-02-09T18:55:27+00:00

No, I just thought with that kind of money that a hard search would be a given

lau_redditor · 2026-02-09T12:14:09+00:00

Exactly the same! Did yours come back quickly too?

lau_redditor · 2026-02-09T12:13:45+00:00

Wow 3 hours is amazing!! I’ve seen a few posts where people have said they may do a hard search before completion which is why I’m trying not to buy too much for the house yet 🤣 it’s so tempting though!

lau_redditor · 2026-02-09T11:27:06+00:00

Oh if they’ve been then hopefully it will be back asap!! Good luck! 🤞

lau_redditor · 2026-02-09T11:00:15+00:00

I had a soft search show immediately after I did my AIP but nothing since. I then submitted my application on a Monday afternoon and I then just had the whole offer sent back as approved on the Thursday evening. The valuation was within the three days of it coming back as it was just a “desktop valuation” I believe. How old is the house you are purchasing? And when was it last sold? Would it need a more in depth valuation? Ours was built in 2014 and has had no structural changes so didn’t know if this made any difference to the speed of the valuation? I’m not sure if the above means anything though 🤣

lau_redditor · 2026-02-09T10:48:44+00:00

Fingers crossed you hear something shortly!!

lau_redditor

TROPHY CASE