FabSwingers.com forum: Buying a house is a pain in the ass!!

By (user no longer on site) OP
over a year ago

Anyone else having the drama in recent years. The nightmare of chasing the solicitors up? It just seems to drag on for months! Had the whole "land registry take weeks for searches to come back" and all that toss, yet I enquired on a Friday for title deeds and information on the boundaries and got it back on the Sunday! Honestly i swear they think we're all thick! ??

Reply privately

Reply in forum

Reply +quote

By *haron7540Woman
over a year ago

Hayle, Cornwall

It seems to take longer now than ever before (in my experience).

Surely it should be quicker with a lot done digitally now?

Reply privately

Reply in forum

Reply +quote

By (user no longer on site) OP
over a year ago

"It seems to take longer now than ever before (in my experience).

Surely it should be quicker with a lot done digitally now?"

I have had the same thoughts, modern technology should have streamlined the process, but it hasn't seemed to have made anything any quicker. I think slot of the problem is conveyancing solicitors tend to take the money upfront for the searches and fees. They then have no pressure to complete in any sort of reasonable time. It's a bit of a farce really

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

It’s the Local Authority searches that take the longest (usually) and whether you have to have any additional special searches (like mining or tin - depending on area).

It’s the solicitor to solicitor correspondence that can also take awhile due to heavy workloads.

Reply privately

Reply in forum

Reply +quote

By *rincessvenusCouple
over a year ago

Hull

take your time dont rush things its the biggest and best investment you will take get it right for peace of mind

Reply privately

Reply in forum

Reply +quote

By (user no longer on site) OP
over a year ago

"It’s the Local Authority searches that take the longest (usually) and whether you have to have any additional special searches (like mining or tin - depending on area).

It’s the solicitor to solicitor correspondence that can also take awhile due to heavy workloads."

That is true, my area is renowned for historical mining, however it's an old property on the top of a large hill which would be unlikely to have been mined, and not to mention there are searches from 10 years ago already stating there are none in the area

And yes I can imagine that is also a delay, but surely via email in a chain of 3 it shouldn't be too difficult to logistically manage and complete in less than 3 months unlike the current lot

Reply privately

Reply in forum

Reply +quote

By (user no longer on site) OP
over a year ago

"take your time dont rush things its the biggest and best investment you will take get it right for peace of mind"

The time has already been taken to consider the investment potential and the property itself as a short term home and development/investment opportunity. That was decided and set months ago upon purchasing. It's the interim period that costing on storage and whatnot dragging on. This rate I'm not going to get the new boiler in before the weather gets cold!

Reply privately

Reply in forum

Reply +quote

By *rincessvenusCouple
over a year ago

Hull

with respect you dont know shaft can be anywere you dont want a sinkhole to open up on your property with you and your wife and kids asleep inside

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

"It’s the Local Authority searches that take the longest (usually) and whether you have to have any additional special searches (like mining or tin - depending on area).

It’s the solicitor to solicitor correspondence that can also take awhile due to heavy workloads.

And yes I can imagine that is also a delay, but surely via email in a chain of 3 it shouldn't be too difficult to logistically manage and complete in less than 3 months unlike the current lot"

If there’s a chain its a nightmare because you can bet your ass that one of them will be dragging their heels.

All i’ll say is it’s better to have a Solicitor who is thorough and checking everything, than to get someone who rushes stuff through and misses something important.

But hopefully you should be getting near the end now

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

Ultimately it’ll depend on the property and any restrictive covenants, the complexities of these and whether or not they affects the conditions of the mortgage etc. If you’re a cash buyer then this doesn’t usually hold things up as it’s just a conversation between you and the Solicitors. They don’t have much to gain by dragging stuff out as their fees are generally fixed, they’ll probably just be busy with other business. It’s not a big money spinner for them. Keep chasing ‘em though.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

It is a total pain.

Reply privately

Reply in forum

Reply +quote

By *crumdiddlyumptiousMan
over a year ago

If you have the time make a visit to whoever is dealing with the paper work, When I chased mine up they said we will send out the paper work for you to sign,

I turned up and signed and collected the various documents to speed it up

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

It's a nightmare the last house I bought had the offer accepted in January and was supposed to complete April .The seller in Aprill refused to exchange unless she got another 10k which she got on top of the full asking price as market had gone up according to her and then she held out to exchange and complete on the same day after she got the extra 10k and then wanted another 10k..,

Nightmare !

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

Agreed. We’ve been selling our old house, vacant possession, buyer is a buy to let, no chain whatsoever. Agreed a price 30th June and still awaiting a completion date !

The last of the forms and contract were signed early last week and the estate agent assures us a completion date will be agreed at the end of next week. So a total of 3 months from sgreeing a price to cash in the bank. In this day and age, with no chain, that’s piss-poor.

Reply privately

Reply in forum

Reply +quote

By *ndtheswingersMan
over a year ago

colchester

I left school at 16, became an estate agent,and after 10 years became a mortgage broker so 31 years of waiting for the process to liven up.

It won't because there are too many variables.

Also there are a lot of arseholes that work in the industry who see it as a get rich quick scheme so quite often you are dealing with a 20 year old idiot who thinks they know it all.

I actually did know it all until I realised that I knew very little!!

Reply privately

Reply in forum

Reply +quote

By *iamondCougarWoman
over a year ago

Norfuck! / Lincolnshire

And if you buy property within half a mile of a local church you get the shocking surprise of potential ‘Chancel liability fees’

Which ineffectively means you have to contribute to any fees for the up keep of said local church in extenuating circumstances - beware of it!

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

"And if you buy property within half a mile of a local church you get the shocking surprise of potential ‘Chancel liability fees’

Which ineffectively means you have to contribute to any fees for the up keep of said local church in extenuating circumstances - beware of it! "

Or just buy an insurance policy for about £80 to negate the matter. It’s fairly common.

Environmental search is the most difficult to understand as most properties fail.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

It is usually a pain in the arse - I sold a flat of mine recently via an online only solicitor and apart from the buyer playing silly buggers on the day of exchange it all went relatively well and cheaper too.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

Be thankful you can afford to buy a house.

People are selling their grannies to raise the deposit in London.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

"Be thankful you can afford to buy a house.

People are selling their grannies to raise the deposit in London. "

You don’t need to be thankful when you’ve busted your arse to put yourself in a position to do it.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

I worked my ass off and made social sacrifices from an early age to earn enough for a deposit on a house.

13 years later im almost mortgage free and looking for another house.

I always thought buying a second home was easy but this is proving hardet than the 1st.

Fuck knows how todays generation of new home owners manage it?

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

It takes a ridiculous amount of time, a lot out down to the solicitors. My mum recently passed away and I was selling her house. Got a buyer straight away, we used the same solicitor on advice of estate agent, signed documentation to confirm no conflict of interest. Heard nothing for weeks, went I to the solicitors to ask what was holding it up, she told me they were waiting for the buyers solicitors to send something, I pointed to her colleague and told her to ask her as they were dealing with both buyer and seller. She was so embarrassed she had been caught talking bollocks.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

Bought our house outright, no mortgage, took 5 years to get the deeds to the house.

Reply privately

Reply in forum

Reply +quote

Post new Message to Thread