Problems completing the deal and exchanging contracts

Any problem with arranging either the mortgage, the conveyancing or the valuation/survey can cause irritating and possibly crucial delays to the entire process of buying your home.

Each of the main players (ie the mortgage lender, your conveyancer and surveyor) all have a tendency to wait for each other to move first.

Things go nowhere fast unless you chivvy them all along.

You may be delayed by the seller's solicitors. When this writer bought a flat the seller's solicitors caused a huge delay by failing to send the lease to our solicitor, despite numerous reminders.

(Incidentally, the sellers' Estate Agent then accused us of delaying the sale... When we gently pointed out the facts, there was no hint of embarrassment or apology. We didn't want one because we wanted to keep everyone as "sweet" as possible. See keeping everyone sweet).

If you or the sellers are involved in a chain this often leads to delays outside your control.

Sometimes the sellers may be deliberately dragging their heels, either because their own purchase isn't going to plan or maybe they're hoping for a better price.

Welcome to Paranoia City. Try and stay cool and preferably avoid making any screaming accusations. It won't help.

While 10% of home sales take more than 5 months to complete some sales can move very quickly, sometimes in a few days, particularly when the exchange and completion stages are done on the same day.

Read enough? Just want a quote? To get your best mortgage quote quickly and easily we can put you in contact with a recommended mortgage adviser. It's free, completely confidential and there's no obligation at all. Simply fill out the form below

Important note about your credit rating

Many websites don't make it clear that filling in their mortgage enquiry form means you might be credit checked.

This can put you at risk.

UK Mortgage lenders may assume an enquiry you have aleady made to another lender means you were turned down - and not that you are in fact carefully shopping around and rejecting the bad deals.

The best way around this significant problem is to ask an independent mortgage adviser to make anonymous enquiries for you.

Without risking your credit score an adviser can find you the best available mortgage deal. They will also know how likely you are to be accepted by the lender if you decide to make a formal application.

If you would like a recommended adviser to check out the best deals for you, anonymously, simply fill in the quick form below.

" Hmm..." You might think; "Won't I be hounded by a salesman hungry for my business? "

This is the most common question we hear from our users.

The answer is no you won't.

Firstly your enquiry is only passed to ONE person on a carefully vetted list of independent advisers.

Secondly, these mortgage advisers are professionals. Even when the market is slow they are busy people. There many people who need to move homes, or get a remortgage and are looking for advice all the time. Regardless of the state of the property market, life goes on.

So the advisers don't have time to hassle people. It just doesn't work like that. No one is gong to be forced into taking out a mortgage unless they really need one.

The advisers are very used to talking with people, perhaps like yourself, who are only "dipping their toes" into the water.

Many people just want an initial quick chat and if they feel comfortable will ask the advisor to contact them again later - often in several weeks or months. As a professional, the adviser will simply diarise this and call back at the appropriate time. There is no obligation at all.

(In the unlikely event that you ever feel at all "hassled" by someone on our list please let us know immediately. We have never heard of this. But if it happened we would definitely want to know).

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Home Buying Guide Contents

Completing Your Property Deal
Click for Full Contents

What causes delays

Important note about your credit rating

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Home Buying Guide Contents

Completing Your Property DealClick for Full Contents

What causes delays

Important note about your credit rating

Browse over 200 Free Mortgage Tips

Site Help

Completing Your Property Deal
Click for Full Contents