Here we are! Two and a half weeks since our offer was accepted and it seems sooo much longer than that. Anyway, onto the good stuff.
Our Mortgage appointment went well. We have a fantastic Mortgage Advisor who since writing the last post, has found us an even better Mortgage product which means he has reduced our mortgage term! Good news for us! This means the length of our mortgage has been reduced and our planned payments have not increased.
Our valuation is going ahead tomorrow and after lots of discussion, me and Matt decided to have the Homebuyers survey on top of the Bank valuation survey (you have to have this for your mortgage) but the Homebuyers survey is an optional choice. This is for us, the buyers, and is a large document outlining the condition of all aspects of the house. This may bring to light some major issue that we have previously missed. This cost us an additional £250 on top of the £300 for the mandatory bank valuation and whilst this adds more onto our costs, it is a small amount in the long run to ensure the house isn’t falling down. We should get the report back on Monday so I’ll update you with the outcome of that when it arrives.
The Seller has returned his completed paperwork to our Solicitors and there is only one bit of paperwork missing. The Fensa certificate for the windows. This official document will complete the paperwork and means our Solicitors can request the necessary searches on the property and submit our registration of the property to the Land Registry. As the property hasn’t been sold since the law changed in 1990, we have to register the property with the Land Registry before it can be transferred into our names. Good news – it doesn’t stop us completing the sale and getting the keys. Bad news – it’s an extra £95 on our (ever-increasing) bill.
I have begun to paint the table and chairs that my Mum’s friend has given us and thanks to the fabulous Annie Sloan chalk paint, my chairs are coming along excellently. (Blog post to follow soon). I am also building my own rustic table top from up cycled wood. The pieces have been cut and sanded but after a practice-put-together, a little more needs to come off the length. Hopefully I can get that done this weekend. Here’s a sneak peek of the table top:
I also attempted to update my rabbit lamp (see original restyle here: https://lyatesblog.wordpress.com/2012/11/07/the-re-vamped-rabbit-lamp/) and failed miserably! In short, I ended up purchasing a reasonably priced grey linen lampshade for £6.99 from the Range on Sunday. I’ll pop a picture on of the updated lamp soon. I am toying with the idea of painting the rabbit a pastel colour but we’ll see 🙂
- Get the homebuyers report back and read through – hopefully the house isn’t going to fall down!
- Chase the seller’s solicitors for the Fensa certificate for the windows so the searches can be requested
- Trim and stain my table top
- Finish painting and waxing the chairs
Thanks for reading,
PS – I realise my last post may have made Matt sound like he wasn’t excited by this buying a house malarky. Just to confirm, he very much is excited, he just has more concern for the financial side of things than I do. I, on the other hand, continue to expand my ‘Things I Want To Buy’ spreadsheet 🙂 We balance each other out well!