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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!

Thank you so much!

Same haha. This was only 5 mins of my day though :)

😍

Thank you so much, Chen. I’m so happy to hear you enjoyed it! I was worried people would find it boring 😊😂

Thank you, I’m so glad you liked it. I really love making this type of content but wasn’t sure if it would be boring. Got a few other videos in the works so hopefully a new one will be live soon. Probably not for a week or so though :)

Haha I know! I’m so happy with the engagement on this so far and it’s got me like 28 followers! I somehow have managed to get it in front of the right audience. I need to figure out what I did right so I can do it again 🤣🤣🤣🤣

Glad you enjoyed it! Also I LOVE Australia, how lucky you are to live there. Where abouts do you live exactly? :)

@@CorinneAtHome thanks for your generous response, I try to capture my simple family life residing in Melbourne, through my vlogging. 😊

@@TheSharmasVloggingZone Melbourne is my favourite city! My older brother and his family live there. I felt really at home and the city is amazing, as well as the close beaches :)

aw thank you! I really wanted it to give cosy vibes!!!

Thank you, Maggie. I would love to visit Poland one day, it looks amazing - maybe when the little one is a bit older. Plant collecting is addictive, right! Let's hope we can get them through the winter!!

Thank you, Lisa! I've been searching all over for what it's called. I wonder if Lemon Lime isn't used as much here in the UK? I noticed someone else from the states called it that too! I'll deffo be using it from now on!

@@CorinneAtHome Definitely could be a regional thing! I've heard the red veined maranta called "Fascinator" in the UK - and we don't use that one either - I don't know what we call it, but it's not that!🙃 Have you seen the Silver Band version - it's LOVELY! Just starting to become cheaper and easier to get here...stunning plant.

@@lisaaguirre3756 I LOVE the red-veined one and will add it to my collection soon. I've not heard of the silver band maranta but I've just looked it up and that's going on my wish list for sure! Thanks, Lisa :) Keep the suggestions coming hahah!

Yeah, I love the colouring on the leaves 😍🌱

@@bigmama1202 thank you! Wow that’s amazing! I really want more but have to be careful as the movers won’t move them so I’ll be going on a big plant shopping trip if this move ever happens!

@@Enjoyplant thank you - which plant did you like best? :)

Ah thanks so much! So glad you liked it! Whats your fav plant?

@@CorinneAtHome I really like the lemon lime maranta...I have one that I struggle with and just can't keep it looking good like yours!

@@HookedonHouseplants-bv5mu I love it! I'm not sure how I'm doing it to be honest, think I just lucked out by putting it in the perfect area for it but it's so full and growing new leaves all the time. I want the one with the red veins, too!

Thank you so much 😀 I wore it especially for this video 🤣🌱

Thanks so much, Rose! Hopefully it gets easier over time, I just cringe at my mannerisms and voice when editing! My next couple of videos are in progress now, so hoping I will feel better after a while. I don’t mind the voice over stuff so much, it’s just when I’m talking at the carers that makes me feel embarrassed. Hope you liked how I used your trick of changing rooms to try make it more interesting! And yes, it’s lovely living in York and to be able to walk into this beautiful city. I deffo don’t go into the centre as much as I should! Hope you do some videos next time you come, I love seeing how people enjoy my home town!

Haha, it took 3 men to get it up there! It went up on its side as its not that tall. Not looking forward to bringing it back down when we move, it's like 225kg 🙃

@@CorinneAtHome It amazes me how much weight those new build floors can take. How are the acoustics with it being in such a small room on the 1st floor? Maybe go for the grand piano next time there instead :)

@@leecornwall8381 Yeah, I was worried the stairs would collapse with the piano plus the men! I think it sounds great - it's a Kawai K200 so it's the smallest one in the range. They offered me a great price on the K500 which would have been too much for the room! It will be in a bigger space downstairs when we move house and the dream would be to have a baby grand but I'm really happy with what I've got now so I'll probably stick with this for the next few years at least! There are some videos on the piano channel linked in the description if you want to hear it - I apologise for the playing in advance!

@@CorinneAtHome Ha, not at all. I noticed you uploaded Salut D'Amour, which I should be uploading myself soon, but a different version.

@@leecornwall8381 I love that song! Which version? I just did an easy one, it's a grade 3 exam piece but it sounds decent for a grade 3 I think!