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

Great news. How long have you been sale agreed? I'm a seller and still waiting on deeds and terrified buyers will pull out

The amount of sales falling through is astounding.

It was like "Rear Window" here the last few days.

Im looking out the window at the house across the road that is for sale for about 6 months now.

It was sale agreed within a couple of weeks of going on the market. That fell through because they didnt actually have a mortgage of the amount they said and couldnt get it. A few week later it was sale agreed again. That fell through because those buyers decided that the vendor wasnt able to move fast enough for them.

Then last week the latest buyers pulled out because of problems with boundaries on their own house that they were selling. They had been stalling for a couple of months and got an ultimatum. Dont know how much it was sale agreed at with any of those.

For sale sign went up again last week.

Im looking at lots of drive bys over easter. Cars driving up, stopping outside for a while and then going on their way. Some getting out and snapping a few pictures.

Yesterday must have been the viewing. There was a steady stream of people going in and chatting to the agent outside.

When I looked it up on Daft the asking price is 55k more than when it went up the first time.

I’ll be in the exact situation in a few weeks. House is going up for sale at the end of the month, we’re going through the process of getting AIP wit a few banks etc. I’ll be hoping I’ve a buyer like yours that’s patient and willing to wait for us to find the house we want/need. We’re looking for a 4 bed detached and at worst a four bed semi but are few and far between within our area and budget. It looks like our max budget will be €300k

Nope, contracts not signed yet. They don't want to sign without a closing date, and we don't want to sign until we can commit to one. Marriage of convenience!

I remember back when we bought our house from a developer we didn’t sign contracts until about 3 weeks before getting the keys, this was due to them needing to finish out the house and the snags. But I assume you could put in the contract a provisional date that’s subject to change and limit it to one change…… I’d be hopeful that we get a buyer is patient with us as we go on our house hunt!

Sorry to say but you probably just have to start "annoying" them a little because they seemed to react to that. I could have written exactly what you have written about B0I about 6 months ago. Did not use a Broker. I just started asking them questions every day via the BOI Portal (even if I had some of the info already from my solicitor who also was in contact with them over the phone). In the end - they added about 3 weeks delay for me I reckon but at least any time they updated with a new message - there was zero delays in providing information (often it was stuff that had already been uploaded a few months previous) once they responded. I had a feeling that the Backend IT systems they are using are a bit dated for internal communication/processes, even if the Online Portal looks shiny.

Yeah its very frustrating, especially when the auctioneer is ringing weekly looking for updates as if i have any control over the process. The banks hold all the cards here since so many customers are gone from KBC and Ulster. Im surprised the auctioneer doesnt get this. Surely im not the only one in no mans land waiting for word back..

I have reached out to BOI directly and am going to pester them as per advice on their portal. Good luck with your own journey!

Funnily I'm having the exact opposite experience at the moment. BOI and AIB have been grand to deal with and quick to reply, applications with the underwriters at the moment.

EBS, who we applied with first, still hasn't submitted the application yet because they keep asking for more documents. Get them what they're looking for, they ask for another one.

Google checklists, here's one https://switcher.ie/mortgages/guides/moving-home-checklist/

I was told within 40 days of drawdown with PTSB

I switched mortgage to PTSB last year and I think the cashback was in my account within 2-3 weeks tops, it was suprisingly quick as I recall. Of course, I signed for the PTSB Explore account to get a little more rebate, so that might have helped expedite slightly idk

Just had a quote from a solicitor for the sale of my property and buying off a new one. €1700 selling all in and then €2725 buying all in. Excluding stamp duty.

is that good??

Roughly the same as myself for professional fees only including VAT. Remember you may have other fees on top of stamp duty such as land registry fees, law searches etc. They can't know for sure until all is said and done, but everything for me has been estimated at just under 7k.

That's a good price so, you're looking at sub 2k professional fees which are rare enough.

Had you been seeing cheaper?