Buying a home and don't know how anything works

[Red Cat]

Why do you think you need a broker? If you have an AIP, in theory, subject to references, valuation etc. You have your mortgage.

I wasn't clear. I don't think we do need a broker, because we already have an aip, I was just wondering if it might be worth trying to get a slightly better deal rather than limiting ourselves to our existing provider.

 

[Artaxerxes]

I wasn't clear. I don't think we do need a broker, because we already have an aip, I was just wondering if it might be worth trying to get a slightly better deal rather than limiting ourselves to our existing provider.

With everything in flux right now most likely not,your existing agreement is likely to have better rates

 

[Red Cat]

With everything in flux right now most likely not,your existing agreement is likely to have better rates

That was my thinking initially but then thought perhaps I should look further. Thanks

 

[prunus]

I wasn't clear. I don't think we do need a broker, because we already have an aip, I was just wondering if it might be worth trying to get a slightly better deal rather than limiting ourselves to our existing provider.

At the moment any differences in cost between the mortgages available is likely to be trivial, and not worth the effort of involving a broker and possibly slowing up any process. In my opinion only of course.

 

[Cat Fan]

Anyway, more advice please. We currently have an aip from Nat West as we already have a mortgage with them. Are there any brokers anyone recommends?

Try Habito. They can show you online what the best rate is out of the major lenders. Sort of like a price comparison site.

You may be able to get a significantly cheaper deal. AIP doesn't lock in the rate and rates are currently on the rise, so it's well worth shopping around in my opinion.

 

[pbsmooth]

From my experience for normal residential mortgages a broker won't get you anything better than you can find via google

 

[Red Cat]

The house is back on the market this morning after being on as Sold STC.

 

[moonsi til]

Hopefully an admin error Red Cat ?

 

[Red Cat]

I hope so!

 

[sheothebudworths]

The house is back on the market this morning after being on as Sold STC.

This happened with us Red Cat - it was something along the lines of them just needing to do that to make the changes to it being a live listing (it can be sold but still live, iyswim) - but I would honestly just email or call and put your mind at rest.


We are at 7 months into it (or 2 years 8 months, depending on how you look at it) and still no clue when it will be over - or indeed when any conveyancing will even be started. Complicated and draining.

 

[hash tag]

Fwiw, with the ways interest rates and inflation are going, this might be the time to look at fixed rates.

 

[Elpenor]

Fwiw, with the ways interest rates and inflation are going, this might be the time to look at fixed rates.

Very happy about my arranged mortgage - 10 year fix at 2.09%

 

[Red Cat]

This happened with us Red Cat - it was something along the lines of them just needing to do that to make the changes to it being a live listing (it can be sold but still live, iyswim) - but I would honestly just email or call and put your mind at rest.


We are at 7 months into it (or 2 years 8 months, depending on how you look at it) and still no clue when it will be over - or indeed when any conveyancing will even be started. Complicated and draining.

Oh, how come lovely? Why's it taking so long?

It does seem to have been some kind of error. I have been reassured. Now just feel anxious about everything else. Its a bit stressy eh?

 

[Red Cat]

Very happy about my arranged mortgage - 10 year fix at 2.09%

That seems very good.

 

[beesonthewhatnow]

Fwiw, with the ways interest rates and inflation are going, this might be the time to look at fixed rates.

The one I just got is fixed for 3 years. God knows how things will look when it ends…

 

[hash tag]

A three year fix is probably about right, but who knows.

 

[5t3IIa]

Still need responses to queries from 07/04/2022!!!! Had one line from seller’s solicitor, via estate agent, saying ‘these have been received and responded to’ I have replied, copying in my solicitor, her junior and the SELLER, saying ‘poss helpful to send again, do you think???!!!’ Muppets.

 

[5t3IIa]

I put it in bold. I’m getting agitated

 

[Cat Fan]

Received an email from the estate agent, because the other party's solicitors sent the enquiries to the agent by mistake instead of my solicitors.

 

[5t3IIa]

Still need responses to queries from 07/04/2022!!!! Had one line from seller’s solicitor, via estate agent, saying ‘these have been received and responded to’ I have replied, copying in my solicitor, her junior and the SELLER, saying ‘poss helpful to send again, do you think???!!!’ Muppets.

I now realise I that I do have the seller solicitor email but didn’t copy them in! Shall I?

 

[Cat Fan]

Received an email from the estate agent, because the other party's solicitors sent the enquiries to the agent by mistake instead of my solicitors.

Now my own solicitors replied on top apologising for this even though it's nothing to do with them. The account managers are pretty clueless.

 

[5t3IIa]

Promising update from estate agent:

The sellers solicitors have come back to say the replies that they sent were received as [5t3IIa’s sols] have gone back to them today.

I think

 

[5t3IIa]

OK, uhm, now my sols saying maybe exchange on Monday And asking if we want to complete asap? Do we? I mean, we are not packed.

 

[BoatieBird]

OK, uhm, now my sols saying maybe exchange on Monday And asking if we want to complete asap? Do we? I mean, we are not packed.

Do you have to move out of your current place straight away?
If not then it doesn't matter if you're not packed

 

[Saffy]

Do you have to move out of your current place straight away?
If not then it doesn't matter if you're not packed

Was just going to say the same. You could move over a couple of days that way.

 

[Elpenor]

Sounds good to hear the progress being made.

Wonder what’s happened with my survey

 

[BoatieBird]

Get everything packed and do the move over the long BH weekend

 

[5t3IIa]

Get everything packed and do the move over the long BH weekend

WHAT THEN ALREADY???

 

[5t3IIa]

Do you have to move out of your current place straight away?
If not then it doesn't matter if you're not packed

I’ve been zero’d in on this all week and now it is happening all the words and stuff are dancing around and I can’t understand anything

 

[BoatieBird]

WHAT THEN ALREADY???

DO IT