I'm not sure why everyone feels the need to give @Gloria Rostron a hard time on this? She's admitted she didn't know about the conveyancing process, but instead of judging you could try and post something helpful? These things aren't taught in school, the only reason I have even one ounce of knowledge on the process is because of my job - most young people haven't a clue and that's not their fault and nor is it anything to be judgemental about!
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Neither did I when I bought my house last year… I googled “how to buy a house”, there are a lot of really useful things out there. I just don’t understand why someone who is seriously looking to buy a house hadn’t done this
She sort of has done it by starting this thread and asking for advice...
Oh come on, there is SO much information out there! I refuse to believe someone with such a high and mighty attitude is that naive. She knew enough to approach the bank and get an AIP.
I don't think anyone is giving her a hard time, just managing expectations, especially in a hugely competitive market.
I'm young and a FTB, but made sure I did a lot of research before starting the process knowing it's going to be the biggest purchase I'll ever make, plus knowing where I stood with deposit vs what I would need to borrow and what repayments would look like. Martin Lewis has a FTB downloadable doc which is handy.
Yeah 'cos Tattle is the place to come to learn how to buy a house rather than Martin Lewis' website
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I knew the first step was to get a mortgage and I have looked at mortgage repayment calculators on said Google but I wasn't sure why my emails to estate agents were being ignored and I have found the advice from some people in this thread most helpful. Blimey, Kirstie and Phil make it look so easy.
Trust me, as someone who actually works in the industry, there's a lot of clueless people out there who have no idea where to look for any kind of financial advice. There genuinely are people out there who wouldn't think to google it and find websites such as the one you've mentioned. I see it daily with FTBYeah because Tattle is the place to come to learn how to buy a house rather than Martin Lewis' website
I think the attitude is poor.
‘I’ve sent my offer in via email and how dare they not respond to me as my offer should be accepted and I can complete immediately’
When parting with £100,000s you need to make the effort to understand the game.
You are not going to be accepted just because you offer the right price, people choose their buyers for a variety of reasons. Not being aware of the time frame (minimum 12 weeks imo) and that you need legals is madness.
OP, take a step back. Do some research, find a solicitor and do some viewings. Don’t just buy because you can afford it, on paper.
I agree - she didn't portray her attitude on the matter in a fantastic light, but that again comes from lack of knowledge of the process.
Actually worked in the industry myself for 24 years including way before daily property programmes and the internet.
Like I said, she knew enough to get the AIP and watches Location, Location, Location but didn't know you need a solicitor?! Come on!!!
I wasn't aiming anything negatively about you... I was just talking about how I have come across clueless people in my job...
I don't think "daily property programmes" are the best example of how to learn about the conveyancing process either. They don't create a realistic view at all.
To be fair to the poster a local estate agent recently told me that the market is so hot people are phoning up and making offers without even viewing the properties. Obviously this is something I would not advise anyone to do but it does happen.
The market moves quite quickly so emailing is probably not the best way to go about things. Call them and make appointments to view everything you like asap.
As a first time buyer who wants to move quickly, with an already agreed mortgage in principle you are in a GREAT position.
The market moves quite quickly so emailing is probably not the best way to go about things. Call them and make appointments to view everything you like asap.
As a first time buyer who wants to move quickly, with an already agreed mortgage in principle you are in a GREAT position.
Realistic, no - but you do get a rudimentary idea of the basics.
@Gloria Rostron you've had some great advice here but just commenting again to say I would prepare for longer than 6-8 weeks if you're buying with a chain, we started our process (offers accepted etc) end of Feb/beginning of March and haven't moved yet! It can be really slow going and other people can mess around/be unpredictable so just something to bear in mind.
Yes - this!
I am currently buying - offer accepted in April. We were told the owner had died and probate was being applied for that week. Still now we're waiting for the Grant of Probate and have no clue when to expect it as the sellers are very vague when we ask if they've chased it! We're otherwise ready but of course can't exchange until probate is in. So bare in mind if you buy a property which is subject to probate you may be in for a long wait!
Sorry to hear you are having a long wait. My neighbour's property has had a "Sold STC" sign outside it for a long time now, so it sounds like they are having problems with their probate. I'll look out for the STC when I am viewing properties. I hope to be out of my current house before the weather turns colder and the mice start coming back in
.STC simply means "subject to contract'" - so not necessarily meaning probate just that the sale has not yet gone through yet (ie: going through the conveyancing process)Sorry to hear you are having a long wait. My neighbour's property has had a "Sold STC" sign outside it for a long time now, so it sounds like they are having problems with their probate. I'll look out for the STC when I am viewing properties. I hope to be out of my current house before the weather turns colder and the mice start coming back in
Hope you find somewhere soon!
I don’t mean to sound rude but I’m beginning to see why the Estate Agents haven’t replied to your emails. Are you saying you’ll pay above the asking price for a house (because you’ve got an AIP)? That is not something anyone involved in buying or selling properties will hear very often so they probably aren’t taking you seriously. If you don’t have to move out of your current place straight away then I don’t understand the rush, unless it’s your ultimate property that you feel is the right one for you but I can’t see how you’d know that without viewings
ETA - I don’t think anyone is giving Gloria a hard time. People are allowed to think a situation sounds funny and if you post on here for advice, you’re going to get it along with people being curious about parts of the problem. People have written thoughtful responses - people from in the industry - so I’m not sure why it’s not “thanks for the advice, I’ve got a better understanding”
Not agreeing with someone is not giving them a hard time!
Probate is what happens when someone dies and the process of putting someone in place to execute the will. Not always an issue with buying a house!Sorry to hear you are having a long wait. My neighbour's property has had a "Sold STC" sign outside it for a long time now, so it sounds like they are having problems with their probate. I'll look out for the STC when I am viewing properties. I hope to be out of my current house before the weather turns colder and the mice start coming back in
That as far as I remember from when we sold my granny’s house has to be done before any legal process can start in terms of selling the house
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