As you’ll know if you’ve been reading for a while we’ve just bought a house, but it’s not been a very easy or quick process. We first saw the house we’ve bought last October. Right before Jim left for India. In fact our offer was accepted whilst he was sat on a beach in Goa (he claims that he goes for work. Sitting on a beach in Goa doesn’t sound much like work to me. Does it to you?) I was at work. Working. No alcohol or beach involved.
Finally we were told that the ownership of the house was passing to her children who had to sell to us because we’d completed, and that we were locked into buying the house. They had to sell to us, we had to buy. We just didn’t know when. Although, with our mortgage offer running out at the end of June, we hoped it’d be soon.
But because we’d planned to move on the 30th May, and we had all the stuff sorted for it – van and everything, our sellers children let us move in whilst the probate was being sorted, It was being rushed through because of the circumstances, so we’d be fine for completion at the end of June. We just couldn’t make any structural changes.
Mid June we got a call to say Probate had been granted and we were completing on the 27th. Our mortgage offer ran out on the 30th. Awesome. All sorted. Done. So Jim went to Glastonbury and I started planning a pineapple party.
And then at lunchtime on the 27th I got a call from the solicitors. He told me the Halifax wouldn’t send the money as the valuation on the house had run out and we needed to be credit checked again so we couldn’t complete that day. I called Jim at Glastonbury. He was really happy to receive that call! Over the moon. Then I called the mortgage brokers who knew nothing about the valuation running out. Everyone assured us that it’s be sorted on Monday.
Monday rolled round and the Halifax’s computer systems were down and the only way we could get the mortgage the day our offer expired was to produce 3 months of wage slips, which was all well and good for me but Jim was still in a field in Pilton with no phone battery or access to his work emails. We lost the mortgage offer and as the way you apply for a mortgage has changed in the last 6 months we weren’t even sure if we’d get a new one. The Halifax’s answer to us losing the mortgage and potentially the house was to tell us to complain to them! Oh, okay then.
During that week we had a call to say that if we didn’t have a mortgage offered to us by the 15th we’d potentially lose the house, they’d kick us out and keep the deposit. Awesome. Now it’s looking like we’d be homeless and skint. Our solicitors and mortgage brokers called in every favour ever to try and get us a new mortgage. Seriously all of them. A week later we finally completed. But for a week there were tears and threats from my dad to come home from his holiday to help, and more tears and Jim telling me it’d be ok. A lot. More than a lot.
The really crap thing is when I called the Halifax to make the complaint they suggested we make, I was told our valuation hadn’t run out at all and they aren’t sure why we were told that…….so now we’re waiting for a letter from them to explain what happened and why their mistakes meant we had that week and a half of hell.
So, if you’re buying a house and it’s not going smoothly, just feel free to pop back and read this from time to time and thank the stars you’re not stuck in a probate induced limbo……..and hopefully you’re not at the whim of the Halifax either.