Soldato
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- 29 May 2005
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I would not go with an in house solicitor. There is a conflict of interest in there, even if they say a Chinese Wall exists.
first time buyer help please >.<
- Thread starter Philz0r
- Start date
I would not go with an in house solicitor. There is a conflict of interest in there, even if they say a Chinese Wall exists.
surely the seller agent should have confirmed all this information BEFORE you made an offer. The schedule/or the agents should advise about all this information before you make any offers.
So you have made and had an offer accepted but have no idea if carpets, fixtures, fittings, cookers etc are being left behind or not?
Seems all very strange.
Soldato
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I am currently working at ING in the mortgages. Good rate, and fee free atm.
Soldato
- Joined
- 29 May 2005
- Posts
- 5,622
- Location
- West London
There are legitimate reasons not to need to know specifics, I didn't care as I was going to tear the place apart when I moved in. Though sounds like you should raise it in this case.
The legally binding list will come as part of fixtures and fittings schedule your solicitor will send to you once both sides legally start to "speak". Ours were to leave us with nothing which was perfect, what was annoying is they left a lot of rubbish and their disgusting furnture behind, which forced them to dispose post completion. The garage was even worse, they had left food which was years out of date, it hadnt been cleaned for years (we filled multiple black bin liners with dust/mud), and nearly 2 small van fulls of crap they had left (everything from horrible kitchen units to random car parts)
The legally binding list will come as part of fixtures and fittings schedule your solicitor will send to you once both sides legally start to "speak". Ours were to leave us with nothing which was perfect, what was annoying is they left a lot of rubbish and their disgusting furnture behind, which forced them to dispose post completion. The garage was even worse, they had left food which was years out of date, it hadnt been cleaned for years (we filled multiple black bin liners with dust/mud), and nearly 2 small van fulls of crap they had left (everything from horrible kitchen units to random car parts)
I believe the average move time is 12 weeks form getting the offer accepted to completion. Although this is a very basic estimation as people's situations will vary wildly. Ours is relatively straightforward and we're entering week 10 now and still haven't exchange contracts, hope to in the next week or two though.
As for the in house solicitor, Id rather go with someone I've got a personal recommendations about. You hear lots of bad things about discount conveyancers, especially the online ones. On the other hand, a friend of mines is a property developer and goes through at least a couple of houses a year and said they always go with the cheapest in the area as they're all as bad as each other!!
With regards to the contents, I thought it was standard for you to negotiate this AFTER you've made an offer. I agree that is a stupid way of doing it but a number of people I spoke to said this was the normal procedure (I'm only a FTB so have no experience!). I guess it's because you need it in writing exactly what will and wont be left, the vendor could tell you what they're leaving before you make the offer and change their mind completely after accepting. A rough idea would be handy though.
As for the in house solicitor, Id rather go with someone I've got a personal recommendations about. You hear lots of bad things about discount conveyancers, especially the online ones. On the other hand, a friend of mines is a property developer and goes through at least a couple of houses a year and said they always go with the cheapest in the area as they're all as bad as each other!!
With regards to the contents, I thought it was standard for you to negotiate this AFTER you've made an offer. I agree that is a stupid way of doing it but a number of people I spoke to said this was the normal procedure (I'm only a FTB so have no experience!). I guess it's because you need it in writing exactly what will and wont be left, the vendor could tell you what they're leaving before you make the offer and change their mind completely after accepting. A rough idea would be handy though.
Ah sorry to hijack your thread but can anyone who's quite well in the know with mortgages email me to my trust please, i need some help understanding a few things regarding fixed rates, early repayments etc etc
(or add me to steam if you have steam: mrbios)
(or add me to steam if you have steam: mrbios)
just an update,
had abit of bother with the solicitor, i was told they would do it for £750, they rang me today and said the price was £1175, i explained i will not pay that and will happily go else-where, then he started "but we do no sale no fee and we are one of the best in the region blah blah", cutt him off and said £750 or i'll go else-where.
he asked if he could ring me back and hung up.
about an hour later he said "ill do it for £751" i should have told him to F off but just said, yea ok. (bah) 751!!!! 1 pound over!!!. eugh!!!
on the plus side. our mortgage has been accepted by ING and have paid the survayor today.
we took out life insurance which came to about £10 a month. this is just incase one of us die, no critical illness payout,
and we took out our building insurance but didnt bother with contents as we pretty much spent every penny on the deposit and not cant afford furnisher.
oh yea, the solicitor sent us some forms today, he says we need to fill them out. what kinda questions will be on these forms?
thanks Phil.
had abit of bother with the solicitor, i was told they would do it for £750, they rang me today and said the price was £1175, i explained i will not pay that and will happily go else-where, then he started "but we do no sale no fee and we are one of the best in the region blah blah", cutt him off and said £750 or i'll go else-where.
he asked if he could ring me back and hung up.
about an hour later he said "ill do it for £751" i should have told him to F off but just said, yea ok. (bah) 751!!!! 1 pound over!!!. eugh!!!
on the plus side. our mortgage has been accepted by ING and have paid the survayor today.
we took out life insurance which came to about £10 a month. this is just incase one of us die, no critical illness payout,
and we took out our building insurance but didnt bother with contents as we pretty much spent every penny on the deposit and not cant afford furnisher.
oh yea, the solicitor sent us some forms today, he says we need to fill them out. what kinda questions will be on these forms?
thanks Phil.
Who have you got your buildings insurance with? If you're tight on money you probably will want to shop around as if it's with ING I'm pretty certain you'll be able to get it cheaper elsewhere.
Congrats on the purchase.
We are through these however got the whole critical illness cover etc etc. I think for 2 of us Insurance & Life cover comes in at around £30 - £40.
In the grand scheme of things I would reccomend getting cover on everything, we were even covered when we were moving things like my tv and pc from my parents into the new house.
If you are interested in some sofas I have a guy here at work wanting to sell a nice cream sofa...will get price and photos, on the border of N Yorkshire / County Durham - not far from Darlington!
