Conveyancing / General Home Buying

Well anything is possible if the whole chain can make those dates. July 2022 doesn’t seem too unreasonable if you’re at mortgage valuation and survey stage, the latter is what slows things down.

I’d check why they want to exchange by that date, in case that’s when their agreement in principle expires or something like that.

Good Luck!

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We are plodding along nicely with ours (at the top of the chain cos we’re buying a new build) and the developers have said they want to exchange this month, we started end of Feb but the chain collapsed and then re-formed a week later.

I told them good luck with the searches and sounds like they’ll be putting the pressure on to everyone else so fingers crossed

This is the big difficulty of buying when you are renting, it’s why we went for somewhere with no chain first time.

Probably there is a contract ending and a Landlord saying move out on that date or sign for another year. If they checked the relevant property laws they’d realise ‘overstaying’ the current tenancy agreement is most likely perfectly legal. Difficult to get that message through to them :sweat_smile:

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I have no idea why people choose to move often.

Next time I move it will be in a box!

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So many aspects of buying a house have been stressful* but sending large payments through monzo has not been one of them. It’s been easy every time.

*I still don’t really understand how solicitors exist. They seem to have made things so complex that only they understand it. But, scratch the surface, and it seems that they don’t always understand what things mean, or they don’t care what things mean, and they just kinda shuffle some paperwork about, make a few errors, shuffle more paperwork about, insist on witnessed paper signatures, lose some documents, take some annual leave, and then come back to shuffle more paperwork around. Oh, and then they bill someone for it all. Apologies to anyone who works in the business but some of your colleagues have been underwhelming.

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I think that’s an incredibly accurate description.

But also missing is… “I think this is with the buyer/other solicitors/estate agent/in the post/ice cream man” and then “That should all be done in the next couple of days”, repeated every couple of days.

5 months in, my patience has long gone, so has the excitement of getting a house.

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There are some online services that have aimed to resolve this. They show a progress report so you know all the steps and exactly where it is up to, who it is with and what’s holding it up.

You can e-sign things and it just sounds so much easier.

Sadly though, not all conveyancers and estate agents etc are on there.

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I think they’re only as good as the person updating the progress report though. If someone doesn’t tick the box to say something;s been signed/applied for/posted, then there’s no change really.

I had a dream the other night where the documents were tracked, like they had AirTags built into them so there was no lying possible. I think we’re probably a few years off from that being the reality :smiley:

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amen to that, we completed nearly two years ago but if ilog in we’re only 67% complete :joy:

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We have had more fun the top of the chain had issues with their new build and then chose a new one. We then had our buyer couldn’t get a mortgage as we have cladding but we are in a house. They have managed to get a new mortgage with another lender now.

Mine was brilliant from start to finish, if I ever buy another house, I’ll be fully going with an online portal only again

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Same here for remortgaging. Online all the way. Mojo have been spectacular in (a) speed (b) communication (c) lack of stress for us.

I get a remortgage is not quite the same as a full-on purchase, but we’d never go back to an in-person bank/broker for a mortgage/remortgage application.

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Convenycers aren’t actually solicitors proper, and you can do your own conveyenving - some people do.

During our house buying journey the searches highlighted a query about the porch at the back of the house we were trying to buy. The search claimed the porch was less than 10 years old and so required certain planning permission that our solicitors wanted to see evidence of before continuing the sale. After a couple of weeks of waiting I was losing my patience and used the timeline on Google earth to prove to our solicitors that the porch was in fact older than 10 years and therefore didn’t need planning permission and we didn’t need to keep delaying the sale. I don’t know for sure whether that was sufficient to address the concern but things did start progressing soon after.

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My remortgages generally go:

phone rings

“Hi Jamie how are you? How’s your bro/mate Chris (etc. she does all our mortgages)? It’s Annie, your mortgage is up for renewal. Here are your options… Option A will cost least over that term.”

“I’ll take Option A.”

“Cheers, I’ll sort it.”

text arrives from HSBC stating my remortgage has been approved

“I’ll diarise you in again in x years.”

And I never have to pay her directly. I tried Habito two years ago and they produced the same options, so I’m sticking with Annie all the way. If anyone wants her number, DM me*

*although I’m in hospital on a drip, so be relaxed about any response :rofl:

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Hope you’re doing okay :crossed_fingers:

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That’s pretty much what mine is like too. Quick call from the broker and it’s all sorted.

Don’t get me started. I’m going to rant. Here goes:

I had an online service with a lovely dashboard and pie chart timeline thing. All wonderful - until I realised that the call centre operatives working behind the dashboard were working on so many purchases/sales that they basically paused anything where someone was not about to be made homeless. And then their system went down for a whole 6 weeks.

Never again.

I moved to a less-online conveyancer (with excellent reviews) and wrapped up everything in a month. Oh, and the less-online conveyancer let me do everything online except for signing the actual contract/Land Registry which needed to be an ink signature + witness. So in the end I only needed to post one set of docs.

*(I accept that not all online conveyancers are as awful as mine, and some people had good experiences with my conveyancer too)

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Yes, we learnt the hard way the first time that it’s worth getting an excellent conveyancer. We just went with the solicitors next door to the estate agents, who turned out to be less than competent.

This time around we’ve found some good one’s, but it’s the snail like council taking their time finishing off the searches for the bottom, everyone else is ready to go. Urgh.

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And while a lot of it is them doing things, an awful lot relies on the other side doing as they should. You can pick the best of the best but if the other side are awful then it’s going to be sloooooow.

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