- You get your house valued
- You start internet searches
- You refine your search as you cant afford the areas you want
- You contact estate agents and hand your intimate details over and over again to arrange viewings
- You make many trips and then eventually the agents start to show you houses that match your brief. (Why do they always show you properties just a bit more expensive than you can afford ! )
- You compromise on your ideals ! Garden, Space, Street, Facilities to meet your budget.
- You start using words like 'its got potential!'
- You do your sums, and work out if you can actually afford it!
- Get a mortagage extension, or a new mortgage - this is worth a rant on its own at some point.
- PUT an offer in - MILESTONE
- You wait nervously to see if it is accepted
- You contact the estate agent who valued your property at the highest price
- You put your own house on the market and WAIT !
- At this stage you instruct a solicitor
- You move forward with the mortgage
- You spend time on the phone with your solictor and keep writing cheques
- You get your home buyers survey back and it reads like a horror film
- While someone is doing this to you !
- You plan all the new things to buy and line up about 6 years worth of future work
- You tell all your friends that you are going to be moving while it is still no guaranteed
I am expecting
- To go through many iterations of paperwork with the solictor, laughing at funny covenaces from 1936 about common ground for the Duke of somewhere can graze their sheep.
- To have a target date set
- To exchange contracts
- To complete
- To move in
- To start to furnish the house
In summary
So, you are paying a lot of money. Stamp duty - how ridiculous is that?! Yet you cant get yourself too involved in the house otherwise rational thought goes out of the window. You have many people working for you - but you cant tell them to hurry up. Your financial and spirtual well being is in the hands of completely strangers in a call centre. Why do we do it??