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Thank you! The first time we bought it wasn’t nearly as stressful. Being a first time buyer isn’t as bad because you aren’t trying to sell at the same time and that doubles the stress! I’m sure you’ll have a straightforward time when it happens for you :)

Hey, yes we could get one. Our issue was that the garage had already been built so they didn’t want to go back and knock one in. It’s easier when you guy a house that hasn’t been built yet then you can customise more. Otherwise they just build them as standard and sell them as is.

@@CorinneAtHomereally appreciate your response. Thank you!

Thank you! 😊🎄

Thank you!! 😊 Hopefully we’ll be in the new house soon and i can go crazy with the decorations soon!!! Most of them are all packed away 🎄🎄🎄🎄🎄🎄🎄

It’s a lovely house but we just outgrew it and would like a bigger garden.

I’m not sure what this means?

I don't think they did, but thanks for the comment.

It's bad compared to other mortgages we've applied for.

An advert for what?

Not sure! We reported it to action fraud and then the solicitors did their checks but we never heard anything else! I expect it’s overseas as I know they generally make the money overseas so it’s harder to chase.

It seemed like a lot when I made this video! At the time it didn't seem that bad as they were quite easy to fix so I guess I forgot haha.

That happens here too, but many countries sell by auction. They do the conveyancing before and the sale is complete within 28 days. It’s a lot simpler than here.

I’m sorry to hear that! Did you discover it was a scam before you send money?

@ I mean the same happened to us trying to buy and loosing a lot of money. In one instance, we were two weeks from the let handover and the bank found a silly excuse to pull out because the mortgage they agreed to didn’t suit them anymore. It all seemed like it should have been illegal but somehow wasn’t.

@ ah sorry, my mistake I thought this comment was on my other video about the conveyancing scam. I’m really tired haha. And wow, it’s really frustrating especially when you still have fees to pay on work done so far! Hope you found something else since.

@ thank you

Honestly I’ve no idea how property works over there! But it can be hard here too without generational wealth. A lot of people live at home longer to save money as it’s impossible to pay rent and save for a house at the same time for most people!

@@CorinneAtHome bummer.....well we shall see

We’ve lodged a complaint with director, they want to focus on getting the sale done then they are going to talk to us and investigate the other issues after. I’m not bothered about recovering money if she just gets on with stuff and we can go through the sale, then I just want to put the nightmare behind us.

@CorinneAtHome Ok you're fair - just looking at the bigger picture and investing energy there I guess. Wish you all the best.

@@MP-mg7og thank you, yeah we would rather put it all behind us and move on with our life than try fight for some money back. But there’s still a chance the next house is going for fall through unfortunately.

@@CorinneAtHome Oh no, so sorry to hear this - they should improve the process. Really hope it works out in the best way, especially how you're helping so many with your channel.

I’ve heard cash buyers do this a lot! I wouldn’t dare, I just want everything to go as smoothly as possible 😭

Thanks for sharing, but you don’t know the situation. I’ll share more about it when I am able to. They’ll always be someone ‘worse off’ or ‘better off’, so I allow myself to have my feelings - it’s not a competition. With respect, asking someone going through the most stressful time of their life to practice gratitude is quite condescending. It also implies I’m incapable of having empathy for those less fortunate than me while having my own struggles in life. Both things can be true at the same time and it’s unfair to invalidate my feelings like that.

Apologies. I do not mean to invalidate your feelings. I certainly would not want you to feel any worse. Forgive my comments if they were insensitively expressed.

Glad it was helpful! I’ve killed a couple since this video so don’t listen to me 🤣🤣🤣

Hi! Thank you for the comment, I'm okay - I know this video seems a bit depressing but it's just a bit of a creative outlet so I can let go of some of the stress of the last few weeks :)

Nothing wrong with that. Let that stress out, never hold it in x

I agree with you! I’m using a local solicitor so I can go into the office and do it with their accounting department. But many people may pick online ones or ones far away so it’s not an option.

Lmao, gotta milk all this drama and stress I’m experiencing for click baity content until my life gets boring again and nobody will be interested 🤣😭

thank you for the advice - I've just checked that and it's not turned on thankfully!

Our fixed rate was due to end in May so we put our house on start of feb and tried to line it up as much as we could. If we didn’t pull out of the house, our fixed rate would have ended 31st May and our next mortgage would have started 1st July, so just one month not on a fixed rate deal. So now we’re not on a fixed rate, we are on a tracker mortgage so it’s more expensive but there’s no exit fees when we move and get a new mortgage with a new bank. Our mortgage advisor sorted out of tracker mortgage deal as the plan was always to go on this until we moved, we just didn’t expect to be so long. If you are wanting to move house and are on a fixed rate now, speak to a mortgage advisor and they can help you figure out the best way to go about it.

I know!! It's been a stressful situation so you can see why people may fall for it when all you want to do is lock in the sale!

Yeah, it's a nightmare with my son as we need to apply for primary schools! The house we pulled out of would have lined up perfectly with having the summer off and then starting a new school, now we're going to have to take him out mid-term and I feel so bad as he loves his little friends! He didn't seem that bothered about the other kids before summer.

@@CorinneAtHome I feel for you, but I know little kids this age make friends so fast he will be fine :)

What do you mean a crappy employer?

It is so stressful! I’m so sorry to hear you’ve lost both time and money as well. If you’re able to find a new build developer that will offer part exchange then I recommend that. We did that when we got this new build. It didn’t matter if the house sold or not, they dealt with it. They offered us a low price but we were able to accept as they paid our stamp on the new house and we didn’t have any estate agent fees. They sold our old house within a week as they put it on cheap to get it sold. It was great not having to worry about a chain. Good luck with your sale, I hope your find your dream home eventually.

Thank you so much. I’ve learnt so many things during this what would have come handy if I had known at the start! I became a pro at profiling houses after what happened with the flood one and went to viewings quite informed on the area, risks, planning permission etc. Shame I had to learn the hard way.

Exactly! Our mortgage advisor recommended our home insurance guy so why not recommend someone else for that too? He was the first person we spoke to so it’s an easy sell! There just seems to be some disconnect here!

It's just got me thinking from the insurance company side about why they aren't pushing it. Must be something I unaware of as these companies aren't stupid and its very rare to find a poor insurance company

@@jons9721 not sure - maybe people in the housing industry don’t like it as if you’re financially tied, you might be more willing to quickly pull out?

@@CorinneAtHome I just read one of these policies and basically they don't pay out unless the deal falls through for specific reasons. Trust me insurance companies aren't stupid

@@jons9721 I’ll have to look into this more when I have chance! Very interesting.

Thank you for the feedback, I'm new to this so I'll take it on board for next time :)

Thank you, Chris :)

Thank you - that's a lovely compliment. :) I have a few more planned and will share more about the whole process when things are more settled!

I'm so sorry that happened to you - especially so close to exchange! It doesn't feel fair or legal. Did you know about home buyers insurance? Look into it when you are ready to move again as you can get some money back if things fall through, though it doesn't get back your time and emotional investment, at least you can get the money back. I wish we knew about it! I feel like I won't be relaxed until we have the keys in our hands. Even when we have exchanged I'll still be worried, just due to all the bad luck we've been having with both properties! Do you have a property to sell as well?

We haven't rushed! The home we are buying is nowhere near 800k and well within our affordability. We were able to buy a more expensive house but we didn't feel comfortable with such high monthly repayments and wanted to account for being able to afford it if the rates to go up again. We will have enough disposable income each month to save/make repayments as well as make improvements on the home. Some work needs doing but none is urgent so we can do it slowly when we have the cash, without relying on finance. We currently live in a very expensive area within walking distance to central York, so we have been able to move to a smaller area on the outskirts where you can get more house for your money. We wanted to be somewhere quieter with a bigger garden and more privacy than a new build estate.

We were in a rush. We were literally bleeding almost £2k in our modest terrace house for rent - SW London which is expensive. For us is was a significantly better package to pay a mortgage and also with a new baby.

@@Chelletryingtosmile Everyone's situation isn't different, isn't it? Timing is a big part of it. For us, we were lucky that we were on the property market already, but that bought about challenges in regards to getting buying and selling all lined up, along with our fixed rate ending in May. We said we wouldn't move for the sake of it and would try again next year if nothing suitable came up. Luckily for us we were able to look in quite a wide area which made it easier to find what we were looking for. If we wanted to stay in our current area, it would have been a nightmare as hardly anything comes up here!

​​​@@CorinneAtHome tell me about it. Our fixed rate has also run out now - so we are paying 40% more. Can't win - but the comfort of being in our own is so rewarding (1st time buyers 🙏🏽). Can imagine York being expensive also - lovely place.

@@Chelletryingtosmile Ours is expensive because we can't fix until we move, so we're paying a tracker rate. It's all pants! Yes, the houses are more expensive here than other parts up north but still better than London prices!

Thanks for the comment - it's so interesting hearing how other countries do this. Parts of UK are different, so Scotland has a quicker process where you are tied in from the start. But in England, there is no purchase contract for weeks/months. You put an offer in on a house, if it is accepted, then they will take the house off the market and you go through the legal process and checks which takes an average of 3 - 4 months. During this time, any party can pull out at any time. It is during this period that we discovered the flood issue, so we were able to pull out without having to fight it because the seller DID lie. Once all the checks are complete, you sign the contracts and it becomes legally binding - this is called 'exchanging contracts' and this is where you are then obligated to continue with the sale, if either party pulls out then they have to pay 10% of the house price (this may be different for others but this is what my contract states so I'm unsure if this differs or not!). This is the point where you agree on the date of completion, where the sale is completed and you get the keys. This period is usually between 1-2 weeks but is an agreement with the seller and buyer, so may be more or less. Most people don't start dropping prices unless there is a reason as they just want to get their house without any stress, but there will always be some people that will try it. Cash buyers often have a reputation of doing this as they are in a good position and can generally call the shots as they don't need to rely on a mortgage company to lend them money - and a lot of the checks that take place are to also ensure the banks investment is a good one. Things can move faster with cash buyers so this is desirable as there are fewer hoops to jump through, but some will use this as a bargaining tool. Some houses do get sold by auction here, and that's when all the checks are done before and once you've agreed, you are locked in right away and the sale goes through in 28 days - but this usually happens with run-down houses that need renovating or probates (also need renovating). It's not good for buying a house that you can move straight into with your family. (Just to note that I'm not an expert in housing and this is all that I've learnt through my experience in the last few months, if anyone thinks I've explained something wrong, please feel free to jump in and correct me :) )

You can write a contract like that if you wish in the UK, but it's unusual, so some sellers will refuse 🫷🏼

@@marcus.H Oh can you? I've never come across that before! I guess some sellers/buyers can get a bit nervous and start making strange requests!

@@CorinneAtHome Interesting. OK so it's very similar. In most US deals (and I've bought/sold 4 houses in my life, had numerous offers/inspections and this applied to all of them) the default boilerplate contract has stipulations that require the seller to sell the house to the buyer. They cannot back out at that agreed-upon price. The buyer will then inspect the house and ask for concessions due to things that weren't seen when the offer was made (things that turned up in inspection, etc). But the seller cannot just pull the offer if another offer is made. They are legally under contract. It sounds like from your explanation the seller can pull out when a new offer shows up, which is awful! I would hate for that to happen! That seems like a scam that needs to be fixed! At the very least, if they back out they should owe all inspection expenses!

@@marcus.H That's odd. I can't believe a seller can just pull out in the middle of inspection on an agreed-upon price/contract!

Thank you so much - that's the plan. The house we in the middle of buying now will be the home we live in until we need to retire and downsize. It's just so expensive to move with all the fees you need to pay! And stamp duty!

Some people are lucky and have straightforward experiences, but apparently, 1 in 3 houses fall through. We need lawyers as there are so many checks to do, it would be much easier if the seller did the checks beforehand then everyone knows what they are getting - this is how it works in Scotland. When you sell your property you get all the paperwork and checks done and provide the info for those wanting to buy. It makes it quicker than all this faff! The inspectors can't move things so they just do a visual inspection of what they can see without causing in damage or being invasive. He did flag up some damp on one of the walls that had water going up to it in the photos, but it's an old house and not surprising there is damp in places. I spoke to him on the phone when we found out about the floods and he couldn't confirm or deny if there had been any flood damage in the past. I think the water just went up to the walls of the house but didn't enter the building last year (we've seen photos of it looking worse from other years), causing some damp only. But that's still unsettling for us as it doesn't mean it won't enter in the future. Flash flooding is getting worse here. Sadly, things in the house we are trying to buy now seem to be getting worse. Part of it is a knock-on effect of us having to pull out of this one in June, as our buyer has been waiting since April so it's not surprising she wants to get a move on! If I ever survive this ordeal I'll make a video about it! Making this one was therapeutic actually :)

I'm not being facetious but most housing in the UK is, to put it generously, slum housing. Look at any cheap house that looks decent and you'll soon find out it's a wreck that the owner is desperate to lumber you with.

@@dotdashdotdash This is why I think the sellers should have to get a survey before putting it on the market, it gives a better insight into what you are buying without having to pay loads for the survey yourself and feel financially tied.

Thank you so much 😍

Thanks! I’m so glad you learned something from it. It’s worth a try with the water and see how it reacts! It depends what the tap water is like in your area I guess.

Ah no. I think I just got lucky that mine really liked where I placed it!

Thank you, Rose. I honestly can't catch a break lately! My life is usually pretty boring and average, I miss that life, can't deal with the dramatic twists and turns being thrown at us!

Thank you :)

What a compliment! Thank you so much, I will do for sure. I love making these types of videos :)

​@@CorinneAtHome thank youu... btw i wrote some of the words on paper and posted them on the wall, i will read every time i want to study ❤

Thank you!! 😊

Let me be that friend

Thank you ❤️

Thank you so much!