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| How to be in a new home by the new year | ||
There’s nothing like starting a new year in a new home, but is it possible to buy a house and move in by January 2019? There’s the small matter of Christmas, which doesn’t just mean stuffed turkeys, frazzled children and stressful in-laws, but an extended holiday period for estate agents, solicitors and mortgage lenders. Worry not, however. If you have set your heart on singing Auld Lang Syne under a new roof, there’s still time – provided you get your skates on and plan ahead. You could also save yourself money. Here are seven top tips to make it happen. Research the market The tight timetable you have set yourself is not a licence to take short-cuts. Research the market thoroughly online, establish local house prices for different streets and districts in your chosen area and choose an estate agent who is fast, efficient and reliable. Houses that are for sale at this time of year might have failed to sell in the summer and the vendor could be keen to tie things up now. Get to know the seller Once you’ve found a property, try to understand the vendor before making an offer. We’re not talking CIA psychological profiling here, just a few questions over an eggnog latte. Are they a discretionary seller? Happy to wait for a good offer? Or is it a compulsory sale – a product of the dreaded Ds: death, debt or divorce? If it’s one of the latter, there may be room for more negotiation on the price. Don’t be afraid to make a cheeky offer Christmas is expensive so why not chance your arm and put in a cheeky offer? Chances are the property has been sitting around all summer and the vendor has probably set his or her sights on selling up by January. Buyers are at an advantage. With winter ahead of us, many sellers are expecting little to happen until next spring and so now is a great time to make an offer. After all, the worst a seller can do is say no. Any seller who has been on the market for most of this year may well see winter approaching and be prepared to accept an offer considerably below their spring and summer expectations. There is still a good selection of property publicly for sale but some buyers may be tempted to withdraw details soon. Buyers should act quickly before it’s too late. Hassle everyone – politely, of course Your tight timetable requires you to be on everyone’s case, all the time. Crucially, keep up the pressure when you’ve found a nice house and agreed a price. Don’t assume that things will happen on their own. Every other day or even daily, make a call and ask for a progress report from all involved. This will include your estate agent, your solicitor, your financial adviser/mortgage broker, removals firm and the rest of your family. In my experience, the slowest wagon in the train is getting the finance sorted. Persistence on the phone can reduce delays in this area. Removal men Book a removal firm early. Good ones tend to be signed up well in advance and you don’t want to end up with a pair of jokers dropping your piano down the stairs. The two weeks before Christmas tend to be particularly busy. Spread a bit of festive cheer Christmas is stressful enough without the hassle of buying or selling a house. A bit of flexibility, decency and festive goodwill goes a long way at this time of year. |
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| Thursday, Dec 27, 2018 | ||
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