Moving on with one of my aims for 2013, we've had an offer accepted for a house and I'm keen to move the purchasing process on as quick as possible. We now need to appoint a solicitor and settle on a mortgage provider. I'm quite happy with the shopping around for providors but not really sure what to do about getting a solicitor. Are they all much of a muchness? I don't want to get shafted! The estate agent has one who they recommend, do the recommended ones usually do a decent job?Any advice on getting the process done in a pain free manner would be great. And any recommendations of solicitors in the Bingley area would be fab!
2-They don't have to be local. If your mate at home had a good experience, use them, eve though they're not in Yorshire. I'm selling (crossed fingers) my house in Birmingham, from Leeds, with a Solicitor near Bambury, Oxfordshire. I've used them before and they're good. They were recommended to me (Sprat Endicott).
When I bought a house a few years ago I just went online, googles cheap solicitors, picked the cheapest one and went with them. Had no problems at all, although I accept this may be a rarity! However they were based in Leeds. Can't remember the name but I'll try and find out...
Andi E having kids...
Quote from: Falling Down on January 29, 2013, 05:44:55 pmAndi E having kids... Got at least three years before that...
Quote from: andi_e on January 30, 2013, 09:21:11 amQuote from: Falling Down on January 29, 2013, 05:44:55 pmAndi E having kids... Got at least three years before that...And i thought elephants had the longest gestation period. Is there a spread sheet of projected outcomes or are these just goals?
1) What's the thinking these days about going through a mortgage broker vs comparison websites and going direct to the bank? Do brokers save a lot of hassle and secure better deals? Would probably be looking at the smallest possible mortage that allows us to make use of Help to Buy ISA / LISA and then borrow the rest from family if that makes any difference.
We went through a mortgage broker and they were ace (I can put you in touch with the lady we used if you'd like.)
2) Any recommendations of solicitors or surveyors in the Shipley/Saltaire area?
When would be a good time to start trying to get the price down?
Errrm, before you put the offer in?! The only time after that I have re-negotiated on price is after survey findings etc. Legally you can do it any point though, and I know plenty of people who have had buyers just turn round and drop the offer by £Xk. You probably don't need telling how that usually goes down with the vendor and as you mention, the outcome will come down to how much they need to sell and other levels of interest.
I've had zero experience of brokers, and only ever bought one house, but going direct to the bank was easy. It may have helped that the best deal for our LTV was the same bank that we both already had current accounts with. I was under the impression that brokers were mostly useful if you had "niche" circumstances that meant you'd be ruled out of products from some lenders?