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

If it's parents though, they could give you 3k each and if you're buying with a partner, they could each give 3k to your partner too. So 12k not too difficult to account for.

Hi guys. Looking for a bit of advise.

We have just gone sale agreed on our first property and since then we have visited the house for a further inspection by ourselves and noticed a few issues.

The house went approx 14k over asking.

My question is should I be getting the vendor to fix these issues or is this at my expense?

1. Broken tap in ensuite - cold water tap is jammed and does not turn

2. Shower doesnt turn on at all. Bearing in mind there is only 1 shower in the house

3. Approx 6/7 loose hanging wires around the house. Should I ask the vendor to get an electrician to identify what each cable is for and if any are live? The estate agent just says they were supposed to be for an alarm system that that vendor never installed but that isn't really good enough in my opinion.

4. From engineer report they found a loose hanging live wire in the kitchen. Again should the vendor remedy this or do we?

5. From the engineers report the gutters are jammed and need to be cleared. Again should the vendor remedy this out do we?

Thanks for any replies. Some advise would be much appreciated.

If I was a seller, I wouldn't be planning on resolving issues after the house went sale agreed.

I have wires hanging from my windows where we didn't reconnect the alarm after getting new windows. Do you think the estate agent is fibbing about that?

The gutters are something that need cleaning on a regular basis, like a drain full of leaves, wouldn't be seeing that as an "unexpected" expense.

New taps are only a few euro.

The shower, I think you should have been told that it doesn't work. And I would ask for the live wire to be sorted cos that's dangerous. We asked for a back wall to be rebuilt before we closed on a house before because you could make it 'sway' by pushing it, and we were moving in with small kids.

Now if I was selling I'd probably have sorted all those issues myself, but before I put it on the market. After the fact, I think you get what you buy.

Shower and wire, yes, I'd raise these as issues, the rest, no. Unless you have reason to believe the wires are not from an alarm system.

Hi all,

I hope you are keeping well.

We are going into the valuation stage of the process. Does the lender give us an approved list or do we have to source one ourselves? Is anybody else going through Finance Ireland just now? How are you all finding them?

Thank you for your reply. We have been told of long waiting times. We are going for a back up option too - just in case 🤞

Thank you, that's good to know. Our broker has already earned her money chasing them up. So grateful for her. Don't know I'd be able to cope.

They either included them in the costings or didnt. If not in the agreed costings then no. If in agreed costings then your QS should raise it with them.

Sale of our old house closed on Friday last. Our solicitor put in an early request for the drawdown. Expecting to close today or tomorrow. So not too bad. That's AIB.

Answer depends on what your plans are. The length of the chain is a determining factor.

I’m in same position as yourself, 17th June sale agreed, 14th July survey, back and forth between solicitors for a few more weeks then buyer waiting on official loan approval from lender on 6th September and no news yet. Apparently banks are backlogged due to people switching to fixed rates. It’s a total pain, can’t wait to sell and make my life simpler.

I worry about the rates too but when I look at the rents it will take an awful lot of increases to make it better to rent.

Anyone else have experience being a FTB buying a new build? Mortgage loan offer sent but development won't be completed until closer to Summer 2023 (originally said it would be March 2023 so I was thinking that having the approval would be fine now).

No contracts have been sent over yet and I'm guessing they won't for a while as they've only just started building (think this was meant to happen sooner). The bank has been on to me asking why I haven't proceeded with the application, i.e. completing the direct debit mandate, sorting out mortgage protection, valuation, etc. but sure I can't even do the valuation until it's built. Is there any point in me doing anything at all before contracts come? I know I'm going to have to go through the mortgage approval process all over again in 6/7 months' time.

I just jumped in at the end of the thread so apologies if this question has been asked before.

How much work should a seller do or what standard of finish should a house be to sell? 1970s end of terrace, looking quite tired and in need of full redecorating including flooring. Was speaking to a valuer on the phone who said not to do anything. That buyers want to do their own thing.

Would also need a new kitchen and appliances.

I hear ya re whirlwind. We bid on a house expecting it to take weeks of a bidding war (like what others have experienced here) but it was accepted on the same day. We are also waiting on loan offer.

From what I gather is the loan offer may not be given if the house is not worth the money (found through the valuation) or if there is something amiss from the vendor's side such as planning issues etc. They may also ask for recent statements to check if nothing has changed since AIP was issued and if you can still afford the payments.

Fingers crossed everything goes well for you (and me 😄)