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

Yes myhome.ie is down since yesterday morning. Back up now but still freezing.

Edit : site gone again.

Wow are their IT gone to India?

Just a quick update on our experience with this in case anyone finds themselves in a similar position.

Apply to everyone.

It was surprising how different different providers' processes are (me english good): in documentation requirements, assessment, and customer management. Getting denied by one does not guarantee getting denied by another. Some may take weeks to assess, some may take a few hours. Some may look into your complete medical history, others may be satisfied with the latest updates from your GP/consultants.

Also, you have to hound them. Constantly looking for updates. Some providers have a FastTrack process, though I don't know what the requirements are here. Maybe they could smell the desperation off us.

We were told of a few times people getting cover from UK-based providers when denied by those based in Ireland. In our experience, these were only for short-term mortgages. The longest protection term offered to us was 10 years, which obviously doesn't cut it for a FTB. This appears to be a last-resort option.

But yeah, basically don't despair until all options are exhausted. And start early! We got confirmation of coverage this morning when realistically it looked to be slipping away (whoop! There'll be a financial advisor in Galway getting a superbly OK bottle of wine in the post). Now on to the business of sinking all of our money into making this shoebox a home.

Dear god, what have I done…

Its really dependent on the seller and their feelings on it. Someone not in a rush to sell, selling an empty property, might not care if there's a chain or not, but someone who has timelines and needs to sell as they buy another property to move in to might prefer a no chain buyer.

Would vendor not providing deeds be an indication they’ve not found their next house yet?

For context, we went sale agreed 14th March and promptly provided approval. Our solicitors been quiet enough so we asked them for an update 2 weeks ago and got a reply that they’d contacted the vendors solicitors who provided them with a letter which showed they hadn’t got the deeds and we’re requesting them from the bank.

Thanks having spoken to a number of people the consensus is that 15-30k was the margin for a no chain buyer at 800k+ property. The view was that 35% of properties fall through on sale agreed so no chain is an edge.

Yep I can agree. It is shocking what is out there for what price!

I think back on the market within 3 months of sale agreed is a sign that the sale did not go through rather than the buyer reselling. From sale agreed to contracts signed has always taken between 3 and 10 months for me (based on 8 property purchases and sales of second hand properties). There has always been some sort of delay between deeds, banks, a chain, planning or right of way issues.

Total nightmare and waste of professional time for estate agents if it does happen. They only make money if the sale goes through. I often think a property on the market a long time or one that comes back onto the market in a short time has some issue with title or planning unless its simply overpriced.

Hi everyone,

I just went sale agreed on a house. I really like the house, and thought I wouldn't actually land it … now I am questioning why it was so easy, if there is something wrong with it. I am putting every cent I have into the property so I guess I am feeling a bit vulnerable. I have a few questions:

• I need to pay a deposit - which is refundable. Can I do another viewing with my partner/family before putting in the deposit?
• If I decide to pull out after putting through the deposit, can I do need proof that something is actually wrong (engineers report, etc) - or can I say its not for me?
• Part of the reason for me buying this is because there is plenty room at the back and sides for an extension. I have checked the regulations around adding an extension without planning (<40msq, more than 1msq from boundary, not taller than existing house, cant reduce existing open space by less than 25msq). I wouldn't buy the house if this couldn't be added - is there anything else I should watch out for?
• I would love to meet the neighbour to see what they are like and there won't be any issues. There is hedging between the houses and I also want to understand who does what with it. Have people on here popped over to the neighbours when sale agreed to see what they are like?
• Is there anything else I should be checking in the house before going all in? Sorry, I am just a bit nervous now that I have gone this far!

Thanks!

We were looking at a house and were about to bid on it and we said we would do a walk by the day before.

An old man was standing at the gate of the house next door. He saw us looking at the house and he said are you thinking of buying it. We said yes and started chatting to him.

We asked him if the house was in good condition inside and he said "Its fine. You can change anything you dont like in it, but you cant change those cnts living in the house attached to it. They are the reason <Owners name> is moving out, They have their heart broken the last few years. The council wont do anything either.".

We never looked at that house again.

Sure I have a neighbor on one side, he's a pig, hasn't cut the grass in years, growing through my fence, total lazy prick. House privately owned.

I'm in a small old council estate, most the houses are bought up years and gone through different owners.

Neighbour on other side is a council tenant, the nicest most considerate woman I have ever met. Her house is immaculate inside and out.

Thanks - good tips here! Googling 'court' didn't come back with anything so next I will try to chat with the neighbours.

yes take any info u get but dont take a decision based on what they say.