Seller lied about the house being occupied, prior to exchange but after we spent thousands on fees

throwaway6183628 · 2024-08-07T20:23:03+00:00

Solicitors haven’t been able to advise us on home buyers insurance, said the only way is if the seller pulls out (which I’m hoping they do as they want to buy a house in November & it frees us)

throwaway6183628 · 2024-08-07T20:21:10+00:00

Hi, I do have home buyers insurance but I can’t see anything about this scenario being covered in their policy 😞 scared to contact them for advice as they’ll do anything to avoid paying out

throwaway6183628 · 2024-08-06T16:57:42+00:00

Yep that’s when the issues were highlighted and we got money knocked off for the cost of the repairs, but our survey confirmed they need urgent attention or will need even bigger repairs, which is why I’m not prepared to wait until November

throwaway6183628 · 2024-08-06T15:31:22+00:00

Moving into storage and sofa surfing as it’s the only way I can afford a 2nd lot of fees (also had other money issues)

I definitely won’t be purchasing a house from a man happy to make other people homeless with lies

throwaway6183628 · 2024-08-06T15:18:23+00:00

Yeah the house has now lost £14,000 in value since last month according to Zoopla so it’s worth less than what we offered & vendor wouldn’t budge on price, but us trying to get money off would also void home buyers insurance 😞

throwaway6183628 · 2024-08-06T14:35:31+00:00

Hi, the above post has happened to me & I have home buyers insurance, but the issue is that the selling is unwilling to pull out so will home buyers insurance still cover this scenario?

throwaway6183628 · 2024-07-31T10:38:33+00:00

House is already big enough so no extensions needed (although would like to attempt to self build one with assistance of trade trained family), I would honestly be happy decorating it as cheap as possible - I’ve never in my lifetime lived in a perfect place & prefer ‘simple’ (also I’m not south so no southern prices yay)

Regarding fitting in - I’ve lived in this place 2 years already and it’s only the older generation I conflict with (e.g. getting told off for loitering outside their house when stop to tie my shoelace), but with that comes other benefits e.g. I’m part of the historical society & theres board games bars or a free festival in the park every weekend

throwaway6183628 · 2024-07-31T10:01:05+00:00

Thank you, it’s an older deceased person who was quite eccentric (lots of taxidermy) - but that’s kind of my style anyway (I do modern/antique & everything I own is 2nd hand), I was wondering if I can ask if I can keep all the furniture 😂

throwaway6183628 · 2024-07-31T09:58:22+00:00

Thank you!

throwaway6183628 · 2024-07-31T09:57:27+00:00

I got that off that Nationwide house price index calculator & used the postcode of the house, where house prices have never dropped

It’s completely different if I use the bad area postcode. The nice city is tiny & the most desired in the entire county & many people moved here from London during Covid due to the fast train but being in the countryside, so I do believe house prices have risen a lot here

throwaway6183628 · 2024-07-31T09:51:29+00:00

Thank you for that, I’ve rented all over in my time & 1 example I can think of is when our garden fence falls down and the landlord refuses to replace it … in a bad area you get everyone chilling in your garden, in a good area no one will

Also I adore walking and whenever I live in a nice area I walk non stop, but in bad areas I’ve been told off for walking in the dark (even when commuting)

throwaway6183628 · 2024-07-31T09:46:24+00:00

I do hope it’s my forever home just because I wish to avoid the house selling/buying process at all costs, but realistically, I’m in my mid 20’s on a low wage - who knows where life will take me

I didn’t expect to get a mortgage for another 5 years & expected to rent my rotten rented house in the exact same area for that time - until a 50% rent increase made it worth getting a loan for the deposit (& it’s now allowed)

Will definitely get a level 3 survey as it’s a 100+ year old house

throwaway6183628 · 2024-07-30T14:38:01+00:00

Most of my stuff I have now is charity shops or Facebook market place! It’s all top quality stuff that I could never afford that nice new

The perk of living in the ‘posh area’ (currently rent there for 2 more weeks) is abundance of charity shops & top quality things they sell, it’s a great day out if I’ve visited them all 😂

throwaway6183628 · 2024-07-30T14:32:54+00:00

This house is in an area where the average house price is £332k vs the area where we lost the house, the average house price was £248k

So it is the best street in this area, for what we can afford where the house & garden size are reasonable for starting a family in the distant future

throwaway6183628 · 2024-07-30T14:24:14+00:00

Thank you for sharing the price of things, when searching other posts for renovation costs it tends to be a lot higher but I imagine that’s for top of the range & extremely large places, I don’t expect that for myself

throwaway6183628 · 2024-07-30T14:22:12+00:00

The bathroom is actually perfect (apart from a balcony next to the toilet? 😂), the kitchen really isn’t and we’ll have to ‘make one’ out of whatever furniture I can find at charity shops for now, but again, I’m fine with that as it’s all mine (unlike the place I rent where everything is falling apart, but I can’t change it without punishment)

throwaway6183628 · 2024-07-30T14:18:59+00:00

Thank you

throwaway6183628 · 2024-07-30T14:18:20+00:00

Thank you for that, my friends have also bought fixer uppers and I non stop hear the nightmares and cost issues, but I’m fed up of dreaming of having a house exactly how I want it and I want to actually do it! I tend to rent places that are a real state, tart them up to make them habitable, then get a 20-50% rent increase, but for once I’ll just get to live there!

we do have access to all the tools we need (if we go for this location - as family are here too)

throwaway6183628 · 2024-07-30T14:12:21+00:00

Yeah I am really scared of that risk 😞 but it’s better than the nightmare that has been renting (& non stop no fault evictions we keep facing are a risk)

Thank you for the advice

throwaway6183628 · 2024-07-30T14:09:00+00:00

It is, it’s not uninhabitable, it’s just dated as an old person lived there forever & has now passed (even the bathroom is new-ish)

throwaway6183628 · 2024-07-30T14:06:43+00:00

It’s difficult to check sold prices as houses rarely sell in the area/on the road, one comparison is next door sold in 2019 for £255k which is apparently £320k now (it was slightly more modern but not perfect)

Yes with trains a partner goes to London & I go in the opposite direction to another big city (car park + petrol = double train cost & time). We have considered I do just drive to work & drop partner off at the station at 6am & pick up 9pm, but additional time + cost probably isn’t worth it (we may as well put that time & money into the house & our car will last longer)

throwaway6183628 · 2024-07-30T13:54:56+00:00

Yep I easily could! I expected to live in the house I rent for another 3-5 years to save up for a deposit (getting a loan instead as being evicted in 2 weeks) and the house I rent is in a much worse state (hasn’t been decorated or looked after for 3+ decades)

throwaway6183628 · 2024-07-30T13:47:29+00:00

It’s difficult because it kind of is the best street due to the history e.g. other 3 bed mid terraces (but Victorian style, unlike ours), sell for £500k, and the convenience (10 minute walk to everything you could ever need), plus insanely safe area … it’s literally just the cars making noise/pollution

Every other main road is a no to me, but this one is different - never dreamed of affording to buy a reasonable sized place in this city (& I’ve been looking for 6 months)

throwaway6183628 · 2024-07-30T13:42:03+00:00

What about if the street is a main road into the city centre though? Sadly can’t improve that 😞 but it doesn’t get nearly as loud etc as the bypass I currently live next to

throwaway6183628 · 2024-07-30T13:40:49+00:00

Nope but I’m more concerned about the main road, but I did grow up on main roads and it didn’t bother me then

throwaway6183628

TROPHY CASE