Advice on house hunting Page 171

  • Psychotext 14 Feb 2018 10:45:34 62,996 posts
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    So I've got the house tour today and I couldn't give less fucks about it. Everyone says we should be excited, and to be honest I don't think either of us could care less.
  • the_milkybar_kid 14 Feb 2018 10:49:59 6,861 posts
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    Suppose it doesn't really matter until you move in. Might see some funky shit you didn't know you had though?
  • Psychotext 14 Feb 2018 11:03:52 62,996 posts
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    I think the first thing we're going to notice is what we don't have to be honest. Today is the first time we're going to see all the things we've been stressing about (garden / layout / places for storage). Plus my better half is really worried about if they've got the flooring right (we were very specific on how it needed to be laid, but they just couldn't seem to get it).

    Plus then there's the snagging shit. We have a pro coming for that, but we they didn't have any free time until a couple of days before we move in, so there wont be time to get anything fixed.
  • Psychotext 14 Feb 2018 11:21:30 62,996 posts
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    Jesus fucking Christ. So we just got the final bill from the solicitors and it's three times what it was supposed to be... and they've fucked up the stamp duty calculation (they're using the figure from before the last budget).
  • Ceelion 14 Feb 2018 12:46:58 463 posts
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    @Psychotext Oh mate, I'm sorry. When we had ours through, we had an additional £500 or so of costs on there. It's so so expensive.
  • Deleted user 14 February 2018 12:54:38
    I got a fixed price solicitor. Been stung by those robbing bastards before.
  • Psychotext 14 Feb 2018 16:10:30 62,996 posts
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    Stamp duty was confusion on my part... apparently you need to claim it back after. Now I have a day to find £6k. Yay!
  • Psychotext 14 Feb 2018 16:54:08 62,996 posts
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    Jesus wept, the reason the solicitor's figure was so far off is that they were planning on paying a £1000 mortgage fee, which was built into the goddamn mortgage.

    Why the fuck am I paying for these people to fuck things up? I could manage that myself.
  • TPReview 14 Feb 2018 17:38:21 1,276 posts
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    That's weird, we didn't have to pay our stamp duty at all. Apparently the solicitor just had to fill in a form saying we were first time buyers and the house wasn't crazy expensive, solicitors just gave us the money back we'd already put in their account for it.
  • Dougs 14 Feb 2018 18:06:28 85,453 posts
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    And the mortgage fee is always added on to the mortgage. The whole thing is a joke.
  • Psychotext 14 Feb 2018 18:06:58 62,996 posts
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    Sub £300k? Different set of rules in that case.
  • Dougs 14 Feb 2018 18:06:59 85,453 posts
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    Money aside, what did you make of the house?
  • Psychotext 14 Feb 2018 18:09:29 62,996 posts
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    They're are a TON of small things wrong. Snag list is going to be epic. I wasn't even looking and I noticed shitloads... plus, the site manager managed to kill our oven (by turning it off, apparently), so that was funny.

    They got the flooring, lights, and wardrobes right, so those were the biggies. Garden is actually not as small as I thought it would be, so that's something.
  • Dougs 14 Feb 2018 18:12:19 85,453 posts
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    That sounds like good† news! Snagging, even a long list, isn't a biggie of they've got all the big ticket items right
  • elstoof 14 Feb 2018 18:15:05 19,925 posts
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    Did they put the swing ceiling anchor points in the wrong place, simple job to put a few noggins between the joists and reposition
  • Psychotext 14 Feb 2018 18:39:58 62,996 posts
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    I haven't checked out the sex dungeon yet.
  • elstoof 14 Feb 2018 21:03:38 19,925 posts
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    A tenner says that the builders dug down too deep and inadvertently opened up th hellmouth upon which South Wales was built
  • Deleted user 14 February 2018 22:06:36
    There's this fella on my street that's had his house listed for sale for 2 years now, so I was curious why. Luckily one of my packages was delivered to his house by accident, so I went over to get it and have a cheeky look inside at the same time...

    Fuck me. I've never seen a house so bloody filthy in all my life. The smell was so pungent that stink would say it stinks. If anyone's interested you can have a 3 bedroom, shit-covered house complete with about 2 decades of filth (I think) for the low, low price of 470k.
  • Deleted user 14 February 2018 22:11:03
    He's probably got a few dead relatives buried in the garden as well.
  • Psychotext 15 Feb 2018 00:25:17 62,996 posts
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    elstoof wrote:
    A tenner says that the builders dug down too deep and inadvertently opened up th hellmouth upon which South Wales was built
    Otherwise known as Newport...
  • elstoof 15 Feb 2018 06:22:07 19,925 posts
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    Is that where youíre moving to?
  • elstoof 15 Feb 2018 06:23:06 19,925 posts
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    Something Iíve always wondered, why are all the main welsh rugby teams within about 50 miles of each other along the south coast?
  • TheSaint 15 Feb 2018 09:27:04 17,695 posts
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    Glunge wrote:
    There's this fella on my street that's had his house listed for sale for 2 years now, so I was curious why. Luckily one of my packages was delivered to his house by accident, so I went over to get it and have a cheeky look inside at the same time...

    Fuck me. I've never seen a house so bloody filthy in all my life. The smell was so pungent that stink would say it stinks. If anyone's interested you can have a 3 bedroom, shit-covered house complete with about 2 decades of filth (I think) for the low, low price of 470k.
    What's the point of Rightmove if not to have a nose around the local houses that go on the market?
  • whatfruitlivesagain 15 Feb 2018 09:50:01 926 posts
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    elstoof wrote:
    Something Iíve always wondered, why are all the main welsh rugby teams within about 50 miles of each other along the south coast?
    It's a place of good (in)breeding.
  • Psychotext 15 Feb 2018 10:17:35 62,996 posts
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    elstoof wrote:
    Is that where youíre moving to?
    I'm moving to Casnewydd. Or Gwent. Definitely not Newport. ;)

    (Technically it's a couple of miles north of Newport, but that doesn't stop the bastards adding it to the address)

    Edit - Still waiting on a correct final figure from the solicitors. Apparently they're phoning the mortgage company to check the amount they're going to receive. YES, BECAUSE IT'S CLEARLY GOING TO BE A DIFFERENT FUCKING NUMBER TO WHAT'S IN THE FUCKING PAPERWORK YOU FUCKING MUPPETS.

    Total.Fucking.Clownshow

    Edited by Psychotext at 10:19:14 15-02-2018
  • whatfruitlivesagain 15 Feb 2018 10:44:49 926 posts
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    @Psychotext It's not unheard of. On a new build the mortgage company will send a surveyor to do a final mortgage report after sign off of regs before completion.

    If the mortgage company takes the view the house is overvalued, they can mark it down and reduce the sum of the total mortgage advance.

    I've dealt with new build flats were the mortgage company has reduced the mortgage offer by £20,000.00 - £30,000.00 after report, and the buyers have had to make up the difference.

    I'm sure it will be fine though.
  • Dougs 15 Feb 2018 10:54:47 85,453 posts
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    Christ. Makes you wonder why anyone would buy a new build given all this grief. It's worse than the normal hellish process!
  • Psychotext 15 Feb 2018 10:57:46 62,996 posts
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    They literally got the paperwork two days ago. I just had an email from them with an apology for fucking up, but if we hadn't noticed then we'd have had to mess around trying to sort all this shit out afterwards.

    Just went to pay the fuckers... bank details missing from their terms of business file (like, literally blank spaces where they should be).

    Doop de doop.
  • the_milkybar_kid 15 Feb 2018 10:59:34 6,861 posts
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    Wouldn't even consider a new build round here. They're poxy little things and vastly over priced. Psycho's looks absolutely dandy, mind.
  • Psychotext 15 Feb 2018 11:00:45 62,996 posts
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    Also overpriced though. I regret buying it, but the simple fact was that nothing came on the market that worked for us in over two years. I needed to buy "something".
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