u/Kilmoreorange

Offer was accepted 1st of June

So we’re at the start of the process, done all of our checks and what not, memorandum of sale was dated 12 June and our solicitors uploaded it on the 15th. However, our solicitors will not order searches until they receive the contract pack, which we are still waiting for.

Does 3 weeks for a contact pack means it’s time to chase?

Who do I email? Or do I call?

I sent an email to the EA over a week ago confirming we got our mortgage offer and he didn’t respond..

On a regular day? Is there mess? Laundry out? Washing up? When were the floors last mopped?

I’m wondering how common it is to have your home ready for guests to pop in unannounced really

Hi FTB here, my broker is on holiday atm so I’m hoping somebody here will help out my mind at ease.

Me and my bf met with broker last week, we have been shown the mortgage that we are going to apply for with the rates and all that. I now have a hard search on my credit file.

Is it likely we will get approved? I’m nervous because on my bank statements I bounce in and out of my overdraft quite a bit. I’ve had an unfortunately expensive few months and I’m worried it makes me look irresponsible.

Are Santander particularly strict or fussy about anything?

We are close to making an offer on a house we like.. exciting!

However I just want some things out of my brain.

What exactly happens after an offer is accepted? When do I send my statements?

Does it matter that I dip into my overdraft in statements? (We are well within our affordability)

How’s everyone else’s timeline at the moment? Slow?

I’m looking for a bit of emotional support or perhaps a reality check?

Me and my partner started the house buying process about a month ago, we spoke to a mortgage advisor and he gave us a AIP. We started viewing houses the following week, I work a lot of weekends so we decided to cram in a lot. Every house we viewed seemed so bland.

Then we saw a cottage style house we liked the look of, I viewed it alone and it was the first house I could picture living in, I loved it! I told my partner and after lots of deliberation we decided to view again together, he loved it too.

The issue is we didn’t expect to find “the house” so soon into viewing. We have a 5% deposit and not really any other savings. I’m currently in my overdraft and was hoping to have time to get my credit card debt down.

The house has no chain so the process could be too speedy for us and we won’t have enough saved. I’m so scared of buying and moving into a house and being left with £0. However I’m even more nervous that if this house sells we will not find another like it for ages. We are both living with my parents and don’t want to wait much longer.

So feel free to tell me off for falling in love, or not having enough saved. Perhaps somebody else has experienced something similar?

Me and my partner are looking to buy, the house we’re debating offering on is on for 232k. We have a 12,500 deposit. He earns 40k salary and also does a lot of overtime which we don’t count. I am currently earning 30k but my job is absolutely soul sucking and I really don’t want to be there anymore.
I want to switch jobs and find a teaching assistant job, I know this would be a big pay cut which we are okay with. I plan on starting some self employed work once we’ve moved in the house.

Is it really a bad move to change jobs now?
Do I really have to wait until everything has gone through?

Me and my partner have just started house hunting, we have viewed a house we like twice it is £232,000 which is easily within our budget.

We love the house, it’s a cottage style and has plenty of charm, it needs the carpets replacing and the bathroom could do with a revamp, everything else seems good.

However the village that the house is in is very quiet, with minimal signal, it has an old church, a Jehovah’s Witness place of prayer and a playground. It is also a cut through village between two busier main roads.

We just visited the village today and have discovered that we cannot walk anywhere from the house, like to nearby villages without going onto a busy road, there are no public footpaths and it is very cut off. This means driving everywhere and not even being able to stroll very far before getting to a busy road.

We love the house but we are so unsure if it will take a toll on us as we both come from rural areas away from busier areas.

Should we offer anyway? Will we regret it if we go for it?

Would love to hear your experiences