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stevo_com

Member since Jan 2008 • Last active Aug 2020

Most recent activity

  • in Miscellaneous and Meaningless
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    Also, at what point(s) in the process do you usually instruct/engage either a mortgage advisor and/or a solicitor.

    1. Value and list
    2. Accept Offer
    3. View properties
    4. Make Offer
    5. Have Offer accepted
    6. Exchange
    7. Complete.

    My guess is between 3 & 4?

  • in Miscellaneous and Meaningless
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    Next beg. Recommendations for Solicitor (sale and purchase) and Mortgage Advisor. South London preferred but not critical if they are worth the distance.

  • in Miscellaneous and Meaningless
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    Gotcha, thanks. Again, good to know. So it's not an additional expense, just some fluidity required until everything is squared away. I have that covered.

  • in Miscellaneous and Meaningless
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    Elaborate, please. I was assuming everything would be transferred on the same day as part of the chain?

  • in Miscellaneous and Meaningless
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    Good point. If it gets to the new year, I'll look at Nested's "bridging loan" and see if that counteracts going beyond March 31st. Although by then I should have more savings to similarly counteract it.

    I'll have to fudge my excel formulae to take into account >500k places so thanks for the reminder.

  • in Miscellaneous and Meaningless
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    Thanks. Giving a decent over estimation for "solicitors" to deal with additional searches and insurances. Storage we're going to hopefully avoid. Cleaning we'll do ourselves or get someone in for a couple of hours. It's not a big place so wouldn't take a pro that long. More looking for the 4 figure stuff that I've ignored.

  • in Miscellaneous and Meaningless
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    Thanks again

  • in Miscellaneous and Meaningless
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    What other generic costs of selling+buying am I missing?

    Solicitor
    Estate Agent
    Removals
    Survey(s)
    Early Repayment

  • in Miscellaneous and Meaningless
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    Ours reduces over the 5 year term. After Jan 2022 it would be 1%, but I don't think I can listen to upstairs farts for that much longer if I don't have to.

  • in Miscellaneous and Meaningless
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    I'm also with Halifax, and despite being hopeful for a port, I'm factoring in the early repayment charge (currently 3%) into my costings, just in case.

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