Currently buying/selling a house? How is it going? READ MOD NOTE POST #1

Rang the landlord this evening having signed contracts this afternoon. We were stressing over nothing! He said congratulations, if you're delayed it's no issue just pay weekly and try give a weeks notice before we actually move so he can move furniture we had removed back in and get it cleaned. We've set a closing date of March 23rd so hopefully we're sorted around that date. Delighted!

That's great news - really pleased for you! Ha, I love 'Law Dog', sounds like she's a proper rottweiler, let her rip!

I've hit my first possible bump in the road - running through the questions for mortgage protection insurance, lots of 'do you have / have you ever had X, Y, Z etc.', flying through them going 'nope nope nope nope oh actually er wait...' Something v minor that I have an open referral out with the HSE on (which I'd pretty much given up anything happening), but they may not insure me until there's a resolution on that. So now I'm in the hands of the public health sector, yikes... A-chasing I do go..!

Question for people currently going through the application process. How are ye finding it?

are most institutions all online now? Do they still request in person meetings and so on? Do they look to meet both people involved or is it just a case of getting a signature and moving on with things etc. same questions goes for brokers.

Thanks

Solicitor is the only person we met and that was to sign contracts

That’s great thanks

I'd be surprised if the Eircode not being on the title deed is an issue - there would be loads of houses where this wasn't the case, they should be able to cope with that.

When I ran through the medical questions for the insurance, there were some questions of 'have you had X in the last 5 years?', and then a lot of 'have you ever had X?' My natural leaning is to be honest (because you don't want to give them an excuse to withhold payout later on), but if it's 26 years since you had any issues, they'll add that to their notes to the underwriter and I'd assume you'll be just fine. As for me, yep, the private route is the fallback if needed, or ask my doctor to cancel the referral and come back to it after the house purchase goes through. It was all going too well so far, had to be one or two hurdles!

Getting the survey done on Friday, am going to meet the surveyor onsite, which I haven't done before, but thought it would be handy if we could talk over any issues he finds with us both there so he can point them out.

Currently selling our house and the buyers had their surveyor around this week.

Pretty sure the surveyor is going to raise a slight encroachment issue with the neighbor's extension where they've effectively built onto the party wall, but probably encroach onto our side maybe a couple of inches.

This was also raised when we bought the house 6 years ago but we were happy to go ahead anyway considering the fact that it was so small and wouldn't affect our day to day life in the slightest.

It's an old house in an old working class area and there are many higgeldy piggeldy extensions and outbuildings built in the area where this issue would be common I'd imagine.

Can anyone advise from a conveyancing point of view how common this is, and whether it can scupper sale agreements or do solicitors generally just raise it but advise it's not worth pulling out of a sale if the buyer is otherwise happy to go ahead?

Everything was going perfect for us and then hit a speed bump. There's an office/garage built out the back which is exempt from planning but apparently we need a cert for that. Estate agent had said on the first viewing that the seller had this already.

Turns out he doesn't and he's not happy about having to provide one. Such bull. We presigned the contracts 2 weeks ago now but our solicitor obviously can't send anything back until they have everything we need so it's a waiting game at the moment.

We had a closing date of March 23rd but not sure about that now. At the beginning we had set our expectations that we'd be in by Easter, I'd prefer sooner but it is what it is, just need to keep the pressure on.

Thargor, bank transfer was how we did it before, into the solicitors account. Maybe a cheque/bank draft either? If they're giving it in cash I'm sure you can get the solicitors bank account details and maybe just ring the bank ahead of time to let them know in advance, but I can't see why they would have an issue with it. They may ask the source of funds for anti money laundering prevention purposes, but that's about it.

Edited to add an apology for forgetting to quote (I never seem to remember!!).

Can Any sellers give me a guide how long I'll be waiting after ordering title deeds from PTSB (formally Ulster Bank)

They were ordered beginning of march, praying they'll be quick.

Done through solicitor, with a Deed of Confirmation from my parents solicitor.

BOI were a stickler, and it wasn't even very much!

Went through this process recently. Parent went into the bank and transferred it into my account with a note on it re: house deposit. I had already advised the Mortgage company and Solicitor that it would be happening. Signed the papers for the house last week and my Solicitor gave me a Deed of Confirmation for my Mum's Solicitor to sign with her. She had to book in for a legal consultation with her Solicitor as they are obliged to make sure she understands the legalities of it etc. Form was sent back to my Solicitor the next day which in turn will be forwarded to the Mortgage company. Nice and easy process

Probate?