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Buying a House Homeowners call for the government to ban gazumping

House Move Buying a house

Buying a House Homeowners call for the government to ban gazumping

Looking to move home, buying a house can be stressful enough.

Four in five (80%) homebuyers would like the government to introduce laws preventing gazumping in England and Wales.

A third (31%) have experienced the phenomenon in the past decade, research commissioned by Market Financial Solutions has revealed.

Two in five (39%) had to pay fees to intermediaries despite not completing on a property purchase.

Paresh Raja, chief executive of MFS, said: “With demand for UK property constantly high, the process of buying a home has become incredibly competitive. As a result, a significant number of UK homebuyers are losing out on deals at the critical closing stages.

“Not only is gazumping a cause for frustration and disappointment, it also can incur significant costs to the prospective buyer.

“In the aftermath of the general election, let’s hope the elected government looks at measures to stamp out gazumping as a top priority.”

Two thirds (66%) feel it has become increasingly difficult to buy properties over recent years as a result of greater competition and a lack of housing supply.

Such is the competition these days, 43% would consider gazumping a rival buyer.

 

(Article extracts from www.propertywire.com 21st November 2019)

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Price Comparisons of Leave and Remain areas of England

With Brexit delayed again and a general election announced the upheaval caused by uncertainty in the housing market is not set to go away just yet but new research shows how voting intentions have affected prices.

Leave voting areas have recorded higher average house price increases than Remain voting areas since the European Union referendum in June 2016, according to the research from online estate agent Housesimple.

The analysis of average house price changes in 324 local authority areas in England since the vote in June 2016, shows that 16 of the top 20 performing ones voted Leave. In Rutland prices increased by 26.27%, in Corby 24.8%), in Harborough 23.79%, in Blaby 21.68% and in the Forest of Dean by 21.47%.

Only four Remain voting areas made it into the top 20, including the Cotswolds with growth of 30.45%, Leicester up 21.57%, Rushcliffe up 19.62% and Stroud up 19.35%.

Meanwhile, average house prices in London and the South East have been hardest hit since the vote and 12 of the worst performing are in London, including the City of London with a fall of 11.86%, Westminster down 10.08% and Hammersmith and Fulham down 8.2%. In the commuter belt Bracknell Forest saw prices drop 6.63%, Elmbridge down 4.32% and Windsor and Maidenhead down by 0.66%.

‘It is important to remember that correlation does not always equal causality. Just voting Leave hasn’t made your house more valuable on its own. There are a range of reasons driving house prices in England,’ said Sam Mitchell, Housesimple chief executive officer.

‘The data points to an overall North/South divide. Brexit uncertainty does not appear to have affected the North to the extent that we may be seeing in the South. Other Important factors underpin these findings, including punitive stamp duty that has a lower impact on properties valued under £500,000 so there is less of a drag factor in the North,’ he explained.

‘We’re also seeing a longer term trend whereby house price growth in London and the South East that really took off in 2012 has been slowing to more sustainable levels since 2016, or even dropping in some London areas. At the same time properties in the North and the Midlands saw more modest growth post 2007, and cities like Manchester, Liverpool, Leicester and Leeds have robust local economies and increasing demand for housing which has helped to drive double digit price increases since the referendum,’ he pointed out.

‘The bottom line is that despite the fact Brexit uncertainty will now drag on into 2020, the market fundamentals, a long running supply and demand issue, historically low interest rates and growing income levels, remain in place,’ he added.

 

(Article extracts from www.propertywire.com 31st October 2019)

Buying a New House. Questions To Ask

Buying a New House – Questions To Ask

Buying a new house can be a stressful time and quite overwhelming, but it doesn’t have to be. We’ve made a shortlist of questions to ask the seller:

1. How much interest has been shown in the house

When buying a brand new house there tends to be a higher demand, you may need to act quickly to ensure that you secure the plot. Try to find out how many have already viewed the house to find out if there is any other ‘competition’ with the house.

2. Is there a chain

If there is no chain, you would likely be able to move quickly, if you also are not in a chain or a first-time buyer you will also be a desirable buyer to the seller as the sale could be completed quickly. This can provide you with an advantage, be sure to use this during your ‘negotiations’

3. Included in the Sale?

New homes can often come with ‘extras’ to incentives you to buy the house. But also older home can come with items unwanted or offered by the seller. It’s wise to check just to clarify, are things like cookers, fridges and carpets, for example could be included in the sale (or offered at an additional price). It’s wise to clarify as you may be left with unwanted items that you then need to remove and dispose of.

4. What are your new neighbours like

Try to gain insight into your new neighbours. On new building developments, this may be a little more difficult.

5. Running Costs

These days people are a little more aware of home running costs and will usually have some insight or ask about the running costs of the home such as gas, heating, electricity, water (particularly if it’s a newer home with a water meter. Also things like Council Tax charges.

6. Your Garden

If your garden is important to you and you like to spend time in yours enjoying the open space, then you may wish to check how well the natural light enters your garden and whether it’s south-facing etc.

7. Home Improvements

Generally, when you move into your new home, you will often want to decorate to your own tastes, but what other work needs to be done. On older properties, you may have some ‘fixes’ or repairs to make. Or make improvements to energy efficiency, insulation, garden work etc.

8. Remedial Fixes

If their are any issues identified you can request the seller fixes these before the sale goes through (or reduces the price). In the case of new homes, there can sometimes be some minor repairs required after you move in due to settlement etc, or simple faults you identify after you move in, but ensure you report these within any given time limits.

So when you are buying your new home whether its a new build or older property, be sure to ask the questions you really need to know about the house, also remember to negotiate your buy price, don’t be too keen and offer to high to start with and remember to take into consideration other factors such as when you would be able to move in and that fits your expectations.

 

Tips for a stress-free move

10 top tips for a stress-free move

Planning in advance and getting organised means less stress and more time to celebrate.

Moving to a new home is exciting – you get a fresh start, new opportunities and the chance to make your new place your own.

That doesn’t mean it can’t feel overwhelming at times. Luckily, there’s a way to avoid any unpleasantness. Start early, have a plan and do everything you can to make it easy on yourself.

Tip 1: Pick a removals firm early on

Depending on when you’re planning to move, you may find that it’s hard to book in a date. After all, most people try to move at the weekends, over school holidays or bank holidays, giving themselves extra time. Don’t get caught out – plan in advance.

Picking a removals team might seem easy compared to all the other choices you’ve been making, but it’s important to pick professionals. Your items are dependent on the company you choose, and to avoid damage to items or the property, or paying more than you expected, it’s important to do your research.

Look at reviews from previous customers, check what your removals quote includes, and ask if the firm are happy to do a valuation – this means someone will come round to your home to assess how much stuff you have, and make sure you have the right sized van and number of team members on the day of your move.

Tip 2: Making a list

It can feel like there’s too much to remember on the run up to your move – after all, real life carries on alongside your moving plans.

To avoid stress, make a list of everything you have to do, and consider your timeline. You may have only just had your offer accepted and be months away from completion. But that doesn’t mean you should wait until the week before your move to start preparing.

Tip 3: Declutter in advance

Clearing your home of any old, unwanted or unnecessary items before your move can save you time and stress, but it can also save you money!

By donating, recycling or throwing away things you don’t need, you’re cutting down on the amount of stuff you need to move. The less stuff you have, the fewer hours you need your removals team for.

The simple way to save money on your move is to avoid paying to transport things that you’re only going to throw away when you reach your new home.

Tip 4: Make a packing plan – and start early

Packing always takes longer than you think, which is why it’s better to start as soon as possible. When you’ve cleared away everything you no longer need, the best thing to start with is the rooms you use the least.
Packing up those rooms, and then using them to store any of the boxes will disrupt your life the least, and allow you to get as much done as possible.

When you’re labelling boxes, it’s easy to just summarise the content on the top, like ‘kitchen stuff’ but that may not help you when you need to prioritise unpacking!

Label the box with the room you intend it to go into in your new home, and bullet point a few of the items in there so you know what it includes. You’ll thank us when you don’t have to open fifteen boxes marked ‘kitchen’ to find the one with the plates in!

Try not to overpack you boxes! It’s tempting to fill them up but try to use small boxes for heavy items and big boxes for lighter ones. Otherwise you risk the box falling apart and hurting whoever is carrying it.

Tip 5: Think about what you can’t move

There are some things removals teams won’t transport. These include things like hazardous materials, plants with soil in, tins of paint or chemicals. Pots of pain can often be donated to charity, so don’t feel like everything has to go to waste.

If you can’t bear to leave your plants behind, you may want to take most of the soil out, pack the plant into the pot with plastic so it can’t move around, and transport it in your car.

Don’t forget to consider the safety of your removals team and yourself – not only with the heaviness of boxes but the things you’re moving. If you’re packing up garden equipment, be sure to clean it and package it safely. Large gardening equipment like lawnmowers or petrol-fuelled tools need to be emptied and clean before being transported. If you’re packing knives, wrap them carefully and note the contents on the box.

If in doubt, ask your removals team who will be able to tell you what they can take, and how it’s best to package it. They may even offer an extra service where they could package more difficult items for you.

Tip 6: Dealing with paperwork

Store all important documents, such as passports, house deeds, wills and insurance papers in one box or file to ensure easy access. This should then be placed somewhere where you will not lose it.

It may also be a good idea to create electronic copies of important documents by scanning and saving them onto a USB so you always have access to it.

When it comes to making sure you still get your post, you might want to set up the Royal Mail’s redirection service, which will forward post from your previous address to your new one. This gives you a little more time to go through all your providers, memberships and anything else and update your address at your leisure, without worrying about missing out on important post.

Tip 7: Organise utilities

It’s so easy to forget to take final meter readings, but it will make everything so much easier. You could even take photos on your phone so you don’t lose any notes you make. You can register with new broadband providers in advance, and don’t forget gas, electric and water.

If you’re not staying with the same provider in your new home, it’s worth calling to say the house has been sold and that account is finished, just in case your seller wasn’t as organised as you!

Organising this in advance means you can account for any final bills you’ll need to pay.

Also remember to put yourself on the electoral register at your new property, and update any relevant ID, like your driving licence.

Tip 8: Take time to clean

If you can manage to arrange some overlap in when you get the keys to your new home, and leaving your old one, it can make the world of difference to your stress levels. Getting into your new home a little earlier means you can fully assess it, and give it a good clean before you move your furniture in.

Be sure to keep your cleaning supplies separate before moving day so you don’t end up with them packed away!

Cleaning the house thoroughly before all of your boxes and furniture arrives means there’ll be no nasty surprises on moving day. It also means you can create a snagging list as you assess the property.

If you do have access a few days before your move, you could arrange for any deliveries to be made in advance. If you’re ordering new white goods, or need to measure for blinds, carpeting or anything else, take advantage of the empty space and get them booked in.

Tip 9: Pack a moving day survival kit

Before your moving day make sure you have packed a moving day survival kit of essentials. This will contain necessary items that will get you and your family through the day unscathed, such as toiletries, phone chargers, bottles of water, snacks and provisions for hot drinks.

It is important to have easy access to the supplies that will keep you well-fed and hydrated on this busy day, and that you have everything readily available so you can fall straight into bed at the end of it.

Tip 10: Go slowly

Moving day is a big deal – we know you’ll want to get everything done as soon as possible, but it can be exhausting. Have realistic expectations on how much you want to get done – it’s unlikely you’re going to unpack your entire house by the first night!

Be sure to keep your moving day survival kit to hand, make sure you’ve got cold beverages, everything you need for teas and coffees, and snacks to keep your energy up. Be sure to stop (properly stop!) for lunch and dinner so that you don’t wear yourself out.

It will take time to fully unpack and get your new home looking the way you want it, so don’t feel everything has to come together immediately. Take time to relax and unwind – enjoy a night in with a takeaway or go out with friends. Your life does not have to revolve around unpacking!

As long as you have your bed built and set up by the end of moving day, the rest is up to you!

Original Article: Really Moving website
(www.reallymoving.com/removals/guides/money-saving-tips-for-moving-house)
(Seen May 2019
)

 

Money saving tips for moving house

Money saving tips for moving house

A property will probably be the biggest purchase you ever make, but that’s no reason to spend more than you need to on removals. Check out our tips for saving whilst moving.

Moving home can cost a lot money, and I’m not just talking about the conveyancing, surveys and removals (on top of the property itself). When it comes to moving into your new home, there are ways to make sure you’re not throwing away your hard-earned cash on unnecessary costs, when it might be better used decorating your new property or ordering that celebratory first night takeaway.

Saving money moving house is just as much about taking care of your items and making the most of your time as it is about the cost of services. Whilst many people may try to move everything themselves, consider the cost of fuel, the number of journeys you may have to do, and how long it will take you, as well as whether you might be putting your items (or yourself) at risk of damage.

We’ve got a bunch of tips to keep costs down from the minute you decide to move, right up to moving day itself.

Before your move:

Clear the clutter

Deciding to clear out unneeded, broken or unloved items can save you money in several ways. Firstly, it cuts down on the number of packing boxes you’ll need, which cuts down on the time a removals team will need to work. It will also cut down on costs if you need to store your items. The less you have, the less you pay.
Not only that, but you could make some money by selling your items online.

Try and get rid of everything you don’t want and take the time to clear it out way in advance of your move. As your countdown to the move begins, you’ll end up just chucking everything in boxes and promising yourself you’ll deal with it after the move.
Newsflash: you won’t. And you’ll end up paying more for the privilege of transporting items you don’t particularly want.

If you’re feeling sociable, and you have lots of items in decent condition to get rid of, why not invite your friends round to see if they want any of your unwanted belongings? You know your items will be well looked after and appreciated, and they’ll take them for you, meaning fewer trips to the dump/recycling/charity shops for you!

Finding a removals team

The first thing you should do is compare prices on removals, to make sure you’re getting the best deal on a local, reputable removals company. Getting quotes from different companies means you’ll get a great price, and you’ll be able to see reviews and star ratings from previous customers, so you can feel safe knowing your items are being moved by trusted professionals.

Book promptly

The more notice you can give when moving house, the better. Removals teams can get booked up, especially during peak season like summer, or over bank holidays. Booking in advance means you can budget, and let them know if there are any last minute changes. If you can move during quieter times, like January, or September when kids go back to school, you may get an even cheaper removal.

See if you qualify for a discount

Some removals firms will do discounts for OAPs, students, key workers or armed forces, so make sure you have a look at their website or ask about discounts if you fit into one of these categories.

Get a survey from the removals team

If a removals surveyor has come to your house and assessed how much stuff you have to move, you can trust that the right sized van and the appropriate number of staff members will be there to make the move seamless. If you approximate the number of boxes and you’ve underestimated, the cost of going back to get another van, hiring more staff, doing more journeys back and forth, or having to hire another company to pick up any remaining items is going to add to your costs.

Don’t miss work

Depending on your work schedules, it may be better to move at the weekend, when you don’t have to miss a day of work or miss out on shifts. Similarly, if you have to consider the cost of childcare, that might affect your decision. Whilst you’ll have to complete on a weekday, there’s no reason you can’t move at the weekend, so consider which option works best for you.

Cut costs on removals boxes

Instead of buying removals boxes you could use second hand ones, as long as they’re sturdy enough. Even better, to save on the cost of buying boxes, and then dealing with getting rid of them after your move, you could rent them from your removals team. This means you’ll have access to high quality packing materials and they’ll come and collect them once you’re unpacked, meaning less fuss and more space. You could also choose to make your money go further by buying your removals boxes from our partners and getting a discount.

Cut costs on packing materials

It’s easy to assume we need to spend lots on rolls of bubble wrap or go searching for armfuls of newspaper, but you probably have a lot more to protect your items than you think. Using soft furnishings, blankets, towels, clothing and any other materials to protect your items doubles up as smart packing. Why waste money on lots of bubble wrap that you’re just going to have to get rid of later, when you have lots of clothes you need to pack anyway?

Eat up

When you get ready to move, you realise how much food you have stuffed away at the back of the cupboard, and how much needs to be used up from the freezer. Ignoring your frozen goods will mean you’ll have to throw them away in order to defrost and prepare your white goods for the move.

Do an assessment of how much food you have to use up before your move and try your best to use up heavy tins or anything that isn’t sealed properly. Eating up the food you have will mean fewer boxes to pack, less waste and saves you money. Also, by preparing some meals in advance you won’t be tempted to spend money on takeaway when a chunk of your kitchen is packed upIf you really can’t eat all that food, make sure it doesn’t go to waste by using OLIO, an app that helps people give away food so it’s not wasted.

Packing carefully

Saving money also means not having to replace things further down the line. Ensure you pack your items with care, label fragile items clearly, and try not to load too many heavy items into one box, or too many boxes on top of each other. Make sure you know the limits and inclusions on your insurance, so if anything is damaged you can cover the costs. If you have sentimental items you’re worried about, either make sure the team know, or bring those items with you in your car.

Labelling  

Can you imagine the frustration of having to run out and buy something when you know the item is definitely in a box somewhere? Consider which items you might need in that first week in your new property, and keep those aside. Label your boxes clearly and consider creating an ‘unpacking kit’ with things like scissors, tools, cleaning supplies and anything else you might need.

During your move:

Whilst you’ll have done most of the planning for the cost of moving in advance, it’s definitely worth knowing that you can save money on the day by simply being organised!

Disassembly

If you haven’t booked a disassembly service with your removals team make sure your larger items have been broken down appropriately. Expecting the team to move items that won’t make it through the door and to disassemble without previously agreeing to this means extra charges, as well as extra time if they were not prepared and did not bring the right equipment/tools. If you know you’re not going to be able to break down your furniture yourself, then book that service in advance. If you are doing it yourself, tape a sandwich bag with any small screws or necessary pieces to one of the larger parts, so you know that you have everything you need to put it back together at the other end.

Don’t damage

Whether you’re leaving rented accommodation or have sold your old property, if you leave it in a state you’re likely to face some angry phone calls, or even charges. Moving large items does have its risks, and there is always the chance of scuffed doorways or skirting boards, something heavy being dropped on the floor, or even mud being tracked in onto the carpet. Your new buyers will expect to find the house as listed, and if there is unexpected damage they may expect you to cover the costs. If you’ve left your rental property unclean and full of rubbish or left behind items, your estate agent may keep your deposit.

Time management

We all know time is money, and on removals day that saying has never been more true. Your removals slot will have been considered when a survey was done of your property, but if you hold up the move you will end up paying more for the team’s time. By ensuring your packing has been finished way before the team arrive, they have easy access to the property and parking permits if needed and you’ve disconnected items like the washing machine or dishwasher ahead of time, you can make sure you’re not responsible for a hold up. As well as paying more for removals, if you’ve held up the people moving in to your home, you may be liable for their extra removals costs, so just be as organised as possible in the run up to your move.

 

 

Original Article: Really Moving website
(www.reallymoving.com/removals/guides/money-saving-tips-for-moving-house)
(Seen May 2019
)

 

 

 

Moving House What is gazumping? Is it legal?

Moving House – What is gazumping? Is it legal?

Gazumping occurs when a buyer has had an offer to purchase a property accepted by the seller, but before the sale is completed the seller accepts a better offer from another buyer.

It can be a crushing disappointment to lose out on a property you had your heart set on, and for which you thought you had made a binding offer to buy. In the worst cases, gazumping can also leave the unfortunate would-be buyer out of pocket to the tune of thousands of pounds in non-refundable survey costs, conveyancing fees and mortgage arrangement fees.

Is gazumping legal?

As unfair as it might feel when you’re on the receiving end, the truth is that gazumping is a perfectly legal aspect of the property-buying process in England and Wales. The reason for this is that an agreement to buy or sell a property doesn’t become legally binding until written contracts are exchanged, and until then neither party can be held to a prior verbal agreement.

When buying property in England and Wales the exchange of contracts between your conveyancer and the seller’s solicitor comes relatively late in the process – after you have arranged for a property survey, your conveyancer has conducted the necessary searches and you have received your mortgage offer. This means that there’s typically a delay of at least several weeks between the seller accepting your offer and that agreement actually becoming legally binding.

Within this period, the seller may accept an offer from another buyer in preference to yours. This is usually because a higher purchase price has been offered – although this is more likely to happen when there is a strong property market with lots of demand driving house prices up.  The estate agent is obliged to pass on all offers, and of course prefers higher offers (with commensurately higher commissions). It is also not unheard of for the buyer to claim at the last minute that there is a higher offer, whether there is one or not, just to see if he can squeeze a little extra out of you.

Strictly speaking, you can be gazumped if the seller decides to reject your offer in favour of another buyer’s for any reason – it doesn’t have to be for an offer of more money. For example, if you are experiencing delays with the conveyancer or your mortgage application, the seller may decide to accept an alternative offer from a buyer who already has a mortgage offer in place, in order to facilitate a quicker sale.

What can you do to avoid gazumping?

Act quickly

It’s unlikely that you will have all the elements for the purchase in place when you first make your offer. There are some checks that you will want to carry out first. You will probably want to arrange a survey, for example, and this takes time. The quicker you are at getting these complete, the less opportunity there is for gazumping.

Mortgage in principle

One obvious thing to sort out before you even start looking at properties is a ‘mortgage in principle.’ This is a conditional offer made by a mortgage lender that they will ‘in principle’ give you a loan up to a specified amount, provided certain conditions are met. Even though there will still be hoops to go through concerning the property in question, having a mortgage agreed in principle will speed things up a lot.

Conveyancing solicitor

Similarly, having a found a conveyancing solicitor you want to work with in advance will also help to speed up the process, so it is worth having a look around and getting quotes from property lawyers. As any payments to the seller will be made through the conveyancing solicitors, it will also help if you are very prompt in getting the money to them. Often they hold it in advance so that payments can be made without delay.

Surveyor

Having a surveyor in mind means you can make that call and organize a survey as soon as you are ready to proceed. You can get quotes from Chartered Surveyors for a HomeBuyer Report and a Building Survey here at reallymoving.com.

Off the market

Assuming you have everything lined up and ready to go when you make your offer, what else can you do? Ask that the property be taken off the market as part of the offer. The seller should be willing to do this, especially if they know that you are serious and ready to move quickly. While sellers are under no obligation to take a property off the market, they can often be surprisingly amenable to this, particularly in areas with a fairly flat housing market.

Lock in agreement

A lock in agreement (sometimes called a lock out, preliminary or exclusivity agreement) is a binding agreement in which the seller agrees not to negotiate with any other parties within a fixed period, allowing the buyer to arrange their mortgage etc. without fear of being gazumped.

The way these normally work is that both buyer and seller agree to pay a deposit (eg 2% of the property price). If either side tries to back out of the sale or change the price without good reason, their payment is forfeit to the other party. The written agreement should list those things which would allow for an alteration, such as problems with the survey. The exclusivity granted in such an agreement is for a limited period, usually about 10 days from receipt of the contract.

Provision should be made for either side delaying sending paperwork. It stands to reason that such a document will cost some money in legal fees, but you may decide it is worth it for the peace of mind. This may also be something you want to consider when selecting a solicitor.

Insurance

Lastly, it is possible to buy insurance which would pay you an agreed sum to cover losses in the event of being gazumped. Of course, it is not possible to be entirely sure you won’t be gazumped, but if you go in well prepared you can minimise the risks.

Stopping gazumping for good

The Communities Secretary, Sajid Javid has announced a call for evidence to improve the experience of house buying and selling, making it ‘cheaper, faster and less stressful.’ One of the main focuses of the intended overhaul is gazumping, with ministers discussing ways to make it less likely. Whether that involves new types of lock in agreements, moving the point at which the sale becomes binding, or streamlining conveyancing and surveying processes, we will have to wait and see.

Original Article: Really Moving website
(https://www.reallymoving.com/conveyancing/guides/what-is-gazumping-is-it-legal)
(October 2018
)

Moving House Property Pitfalls

The five property pitfalls that are most likely to scupper your house sale – and why many buyers regret compromising on location

  • One in five compromise on their preferred area – hating the choice later
  • Similar number paid more for their home than they wanted to
  • Nuisance neighbours and structural problems create serious doubt from buyers

It’s easy to make mistakes when buying and selling homes, according to industry experts.

Data shows that almost half of all sales fell through before completion in the final three months of 2018.  The problem was highlighted recently in a report by NAEA Propertymark focusing on reasons for this trend.

Below, they highlight the five major setbacks that prevent deals from going through and some of the blunders people make in choosing homes which results in them later regretting their purchase decisions.

1. Nuisance neighbours

Boundary and shared access to driveway disputes or anti-social noise can all result in arguments and fall outs with the neighbours and adversely affect the sale of a property.

If you don’t get on with your neighbour it’s not something you can hide though. You are legally obliged to disclose information about any arguments you’ve had on the ‘Seller’s Property Information Form’ provided by their solicitor.

Omitting or providing false information could lead to legal action taken against you by the buyers.

2. Structural problems

If your home has any serious structural defects which aren’t visible on first inspection, this can put serious doubt in the minds of buyers.

For example, if the survey finds there’s something wrong with the foundations, they may wonder about safety and be hesitant to make an offer for fear of their mortgage provider rejecting their application.

Structural problems are, however, what 13 per cent of people compromise on according to the Which? Survey, but 30 per cent regret this decision later on (see below).

Tips when looking for a new home

Focus on what you want: Use a house viewing checklist as a reminder of the issues that matter the most to you to help keep you on track. You can download one free of charge here.

Try to keep your emotions in check:Do not let excitement make you overlook any problems or make allowances over matters that are important to you.

Consider the future: Things like changing jobs or starting a family could all make you regret your choice of home. Ask yourself if the property you are buying will support your future plans.

Keep location top of mind: The area may not be ideal now but regeneration projects could transform an area in a few years, meaning an initial compromise may pay off in the long run.

Compare your options: Consider your options together, creating a list of pros and cons to help assess what the best decision is for you.

If you’re aware of a major structural problem with your property, try and fix it before putting it on the market.

If you don’t have the money, get an appropriate contractor to give you an estimate for repair and be transparent about it with potential purchasers.

Doing this leg work, could eliminate any concerns the buyer may have.

3. Japanese knotweed

Knotweed is commonly found during site inspections and can cause major problems.

The plant can grow up to nine feet in height and roots up to three metres deep.

Hire a professional to deal with this invasive plant to prevent the property sale from falling through and before it causes any major damage to your homes’ structure or foundations.

4. Rail timetable changes

Properties in commuter towns can fetch high prices, but changes to train timetables result in travel mayhem it could negatively impact the saleability of your property.

Keep abreast of any timetable changes and find out when these will iron themselves out before putting your property on the market.

5. No planning permission

Buying a property without planning permission is a huge risk.

If you’ve had any work carried out while you’ve been living in the property, such as extensions or conversions, make sure you obtained appropriate planning permission in accordance with building regulations, and have access to these documents.

If you haven’t got the right documents, you may find that you must pay for them retrospectively before agreeing a sale.

 

 

 

 

The Daily Mail
(https://www.dailymail.co.uk/property/article-5024653/Five-tips-pain-moving-house.html)
(09 April 2019
)

Getting Organised, Buying & Selling a house

How getting organised can help you to take the stress out of buying or selling a house

Stress and moving house go hand-in-hand — you can’t have one without the other. But does it really have to be that way?

The Government is asking estate agents, lawyers and mortgage firms how they can make moving home more straightforward and less stressful.

Currently, purchasers can withdraw from deals with no notice, sellers can accept higher offers that ‘gazump’ a previously agreed price and leave the original buyers in the lurch, while surveys and mortgage agreements are conducted late in the buying process, so can lead to more pull-outs.

Buying company Quick Move Now says 28 per cent of sales fall through, and an analysis of 54,000 transactions by valuation service The ValPal Network shows that on average it takes a whopping 201 days between an owner considering to sell and finally moving.

Gazumping is on the rise and hits more than five per cent of house sales in some parts of the UK, according to Countrywide estate agency group.

‘Our biggest concern is the lack of certainty,’ says Paula Higgins, chief executive of consumer group the HomeOwners’ Alliance.

‘Buyers don’t mind how long it takes to move — they just want to know it is going to happen.’

Even estate agents agree there’s much room for improvement in England and Wales.

‘The Scottish model, where once a deal is agreed it’s legally binding, could be employed,’ says John Ennis, of Foxtons.

‘In England and Wales, it’s not legally binding until the exchange of contracts.’

In the US, too, a buyer’s offer on a home becomes a binding contract once accepted.

In Denmark, the estate agent provides a survey on a home going on the market, but the purchaser pays one per cent of the sale price if he changes his mind late in the process.

In Australia, just two per cent of sales fall through in those states with ‘vendor disclosure’, where the seller provides a pack of survey and search information to would-be buyers.

But even with the clunky system in England and Wales, there’s more that we can all do to reduce stress.

Get sorted: The better prepared you are before submitting an offer, the less time there will be for a rival purchaser to gazump you.

Don’t wait until you have found a home to buy before appointing a solicitor, securing a mortgage offer in principle and instructing an agent to sell your old place.

Pick a reliable estate agent: Sales progression is the phrase agents use when chasing buyers to make sure they keep on track.

Old-school agents based in High Street offices do this because they don’t get paid if a home doesn’t sell, but that’s not always the case with companies operating only on the internet.

Create a log book: ‘Put together a log book containing running costs, certifications and planning permission for work carried out, and surveys and guarantees,’ says James Greenwood, of Stacks Property Search.

‘Some of this will be required by the buyer’s solicitor; other bits can reassure a buyer and improve the chances of a sale progressing.’

Use a mortgage broker: ‘A trusted broker has a personal relationship with the banks’ underwriters and can make the process simpler,’ says Simon Tollit, of Tedworth Property estate agency.

‘If you don’t have your finances in order, a vendor is far less likely to take you seriously as a credible buyer.’

Consider a lock-out: This is a binding agreement where the seller takes a home off the market for a fixed period.

Both buyer and seller agree to forfeit a few thousand pounds if either backs out without good reason.

‘A buyer may go through this to give themselves time to undertake all the legal work,’ says Tollit.

‘The buyer can’t be gazumped and the seller knows he has some security if the purchaser withdraws.’

 

 

The Daily Mail
(https://www.dailymail.co.uk/property/article-5024653/Five-tips-pain-moving-house.html)
(27 October
2017)

How to reduce the stress of moving house

Anyone who’s ever undertaken a house move will agree it’s one of the most challenging life events, both physically and emotionally, that anyone can go through.

In a recent poll, two thirds of people voted moving house top of their stress list, with it triggering more anxiety than relationship breakdowns, divorce and starting a new job.

“It’s one of life’s most stressful experiences, and it’s because it involves having to cope with change,” explains Nicky Lidbetter, chief executive of charity Anxiety UK. “Moving house represents a transition in life, it’s about change and unfamiliarity and for many people that causes stress and anxiety. Most of us like familiarity, routine and order. When you’re moving, you have none of those. Plus it causes a ripple effect of change throughout your life. You’re not just changing your home and getting to know the new one, you might be in a new area, you have to find new schools for your children, take on a new commute to work, find a new GP and dentist.”

She says that if you feel stressed or anxious, that’s perfectly normal. “It’s not a sign of weakness, it’s an understandable reaction,” says Ms Lidbetter. “The lack of order, the uncertainty and upheaval that surrounds a move can trigger underlying mental health conditions such as anxiety, OCD and depression.”

“Take time off work and get someone to mind your children”

Dr Sandi Mann, senior psychology lecturer at the University of Central Lancashire, agrees. “Moving house can be a very overwhelming experience,” she says. “It’s a massive upheaval, and we are inherently territorial creatures who like familiarity and routine, so it creates a lot of uncertainty and chaos in our lives.”

Moving can put a particular strain on families and relationships – the latter of which is the focus of this year’s Mental Health Awareness Week, which runs from 16-22 May. TV personality Trisha Goddard, a family resolution and mental health activist, knows the stresses all too well. “Not only have I moved house with little ones, I’ve also moved from one continent to another,” she says. “Parents always feel guilt at moving kids from their friends and home – but one thing you cannot afford to do is ignore the potential impact moving will have on you.”

Ms Lidbetter of Anxiety UK advises giving yourself as much time as possible to deal with the move. “If you can, clear your schedule around the time of a move,” she says. “Take time off work and get someone to mind your children, so you are not spreading yourself too thin.”

Mansfield Removals

Preparation can also help in managing stress levels. “If you can do things in advance, for example, switch your broadband to the new address, register with a new GP in the area, plan in advance what furniture and items will go in what rooms… all of that will help the actual day feel a bit less overwhelming and more controlled.”

As hard as it might feel at the time, try to focus on the positives of what you’re doing. “Embrace the change instead of focusing on the difficulty of a move,” says Ms Lidbetter.

“Although there might be a lot to do, taking an occasional break is key”

Dr Mann advises remembering why you made the decision. “Perhaps you’re moving to a bigger house, or to a beautiful area, nearer friends and family,” she says. “Remind yourself why it will be worth all the effort you are putting in.”

During a stressful time, both Ms Lidbetter and Dr Mann agree that looking after yourself is key. “Get enough sleep and eat well. Don’t be too busy to look after yourself,” says Ms Lidbetter. And although there might be a lot to do, try and take an occasional break, too. “Respite is essential,” says Dr Mann. “Whether that’s going for a walk, a trip to the cinema, meeting up with a friend… it doesn’t matter what you do as long as it doesn’t have anything to do with your house move. Your mind and body need a break.”

Some simple breathing exercises can help you feel calmer, says Dr Mann. “Find a quiet corner, and sit, stand or lie down. Breathe in deeply through your nose for a count of five, then slowly exhale for five. Do this for up to five minutes, clearing your mind and focusing on feeling calm and revived.”

Anxiety UK advocates using mindfulness techniques to help deal with stress and anxiety. “Download the Headspace mindfulness app and just ten minutes a day, away from the move, can be beneficial,” says Nicky Lidbetter.

However, she says if you start to experience symptoms such as mood swings, a racing heart and sweaty palms, and an inability to concentrate, these are signs that you may need to seek professional help to deal with your stress and anxiety levels perhaps by seeing a psychologist or a counsellor.

The important thing to remember is that it’s normal to feel overwhelmed. “Moving is listed as a major life stressor for a good reason,” says Ms Goddard. “Be kind to yourself and realise that sleepless nights and worry before and after a move are normal. Accept all help offered: it’s not a slight on your organising capabilities. And if folk offer to help, give them something concrete to do; a proper task that you can cross off your list. And if people are slow to offer help, damned well ask for it.”

 

The telegraph
(
http://www.telegraph.co.uk/property/online-estate-agent/reduce-stress-moving-home/)
(27 July 2017)

Responsible Removal & Disposal

Responsible Removal & Disposal

Make sure when appointing a contractor to clear your items they have a valid waste carriers licence.

Check the licence against the company-individual as licences not registered to that person only means one thing

Removals In Mansfield – ‘New Start Removals’ are a Licensed Waste Carrier: CBDU77090