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Buying a house 2012
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Hello all!
It seems we are progressing!
Our solicitor sent me an email today to let me know he had received the contract of sale from the vendors solicitor.
He said he had sent the vendors solicitor some 'Pre-contract Enquiries' before we need to come in.
Does anyone have any idea what kind of enquiries these could be?
Thanks0 -
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blueturnip wrote: »Hello all!
It seems we are progressing! Our solicitor sent me an email today to let me know he had received the contract of sale from the vendors solicitor.
He said he had sent the vendors solicitor some 'Pre-contract Enquiries' before we need to come in.
Does anyone have any idea what kind of enquiries these could be?
Thanks
There's always pre-contract enquiries and they can cover a multitude of items from has the household charge been paid, has the BER cert been done, an issue with a copy document as opposed to an original one, the list goes on and on.... I'd suggest emailing your solicitor back to see exactly what they were and they'll be able to tell you if it's standard stuff or not. It's completely normal to have pre-contract enquiries and nothing to be worried about...0 -
There's always pre-contract enquiries and they can cover a multitude of items from has the household charge been paid, has the BER cert been done, an issue with a copy document as opposed to an original one, the list goes on and on.... I'd suggest emailing your solicitor back to see exactly what they were and they'll be able to tell you if it's standard stuff or not. It's completely normal to have pre-contract enquiries and nothing to be worried about...
You're awesome killers!! thanks so much. Still doesn't feel real yet! 0 -
blueturnip wrote: »You're awesome killers!! thanks so much. Still doesn't feel real yet!
Exciting times!! Best of luck!:)0 -
Stop stressing! They're calling it a 'new application' only because the property address has changed. Nearly all the info you submitted for the previous application will just be transferred to the 'new' reference no. and then it will be reviewed by the Underwriter. If there has been no changes in your circumstances since last application you'll be absolutely fine as there has been no change in UB's credit policy since then. Have you given the EA your solicitor details yet? Has the EA been on to you for an update? If not, that's fine. If he does contact you he'll probably just want to know when will the valuation be carried out. Just tell him you'll get on to the bank and check it out with them. Then call him back a day later and tell him the valuer will be in touch in the coming days. This will satisfy him and buy you some time. The ICB check takes about a half an hour to come through so that won't delay anything. It's literally just to queue to be looked at by the Underwriter that's holding you up but based on what you've said you'll be absolutely fine and approval will be a formality. 2 weeks isn't a long time in the house buying process so don't be worrying about the seller pulling out. Once they hear mention of a valuer being in touch there mind will be put at rest and they'll be more than happy...
Killers1,
Thanks so much for your help and advise, Aproval was granted on Monday and the banks valuers went into the property yesterday and he rang me last night to say he was more than happy with the property and price. So i am off to the bank tomorrow to sort out the last bit and pieces with them and the loan offer will be sent ot my solicitor 0 -
Killers1,
Thanks so much for your help and advise, Aproval was granted on Monday and the banks valuers went into the property yesterday and he rang me last night to say he was more than happy with the property and price. So i am off to the bank tomorrow to sort out the last bit and pieces with them and the loan offer will be sent ot my solicitor
Excellent! You're back on track....:)0 -
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Hi folks,
We are a married couple and are first time buyers. I bank with BOI and my wife with AIB. We are looking at a house for 285k. With a combined salary of roughly €77000, and we have saving of €30k, but I am currently paying off my car €10000 loan. What would be our best option. I went into BOI and they seem to think that a required mortgage would be no hassle. We come up with 10%. What are AIB like? Would they offer a better deal?Anybody got any recommendations?
You salaries are sufficient to qualify you to borrow the amount you are looking for presuming you're not in your 50's and have a gang of kids!. The main thing then is how your repayment capacity looks and how to treat the existing car loan, depending on how much is outstanding etc. I'd recommend talking to a good broker to get all the rate options and have your application presented in the best possible light. 0 -
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update on yesterday. The bidding war was lost, so were back to the drawing board since yesterday afternoon. it was our first house we really liked, but its wnet outside our range before we even got a counter offer in.
Kinda demoralising, and we really like the house, but if we found one we liked im sure we will find more.
And now at least we know there is movement in the market i our area too.
let the agent know that your still intrested and when it falls through to give you call
happened to me and my MIL when she got her house.0 -
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just finalising documents here - i have a notice of interest in fire policy, and a deed of assignment of life policy - are they completed by me or by the associated insurance companies, it's not very clear and we didn't get any instructions with the forms
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just finalising documents here - i have a notice of interest in fire policy, and a deed of assignment of life policy - are they completed by me or by the associated insurance companies, it's not very clear and we didn't get any instructions with the forms
Hey there, just sign the Deed of Assignment and return it to the bank. They'll fill in the rest of details when they receive the life policy. In relation to the home ins you can ask the home ins company to give you a 'letter of indemnity' with your lenders interest noted on it which will suffice too...0 -
Hey there, just sign the Deed of Assignment and return it to the bank. They'll fill in the rest of details when they receive the life policy. In relation to the home ins you can ask the home ins company to give you a 'letter of indemnity' with your lenders interest noted on it which will suffice too...
cheers killers1
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