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Month: May 2007

Slow progress

Slow progress

Since my last entry on the matter, well, not much has happened, really. (Belt up for a thrilling ride readers!)

First, there was a slight miscommunication between us and the solicitor which has probably delayed things by about a week. They were waiting for a letter from us to tell them to proceed, whilst we were waiting for news from them about what to do next. (I thought I’d instructed them last time, but apparently me turning up in person and saying ‘yes’ isn’t enough, they need it in writing. Fair enough, really.)

Then it seems that the building society ‘mislaid’ our mortgage application for a while, culminating in the amusing/frustrating (delete as applicable) situation where 3 branches were all claiming they’d never heard of us. It turned up at branch one (our local) after a couple of determined phonecalls from our IFA. We have decided to use the building society’s surveyor to do our Homebuyer’s Report, as it’s an awful lot cheaper. To be honest, having read one report and heard about a few others, they really don’t seem to be spectacular value for money whichever you choose, so going the cheapo way isn’t too concerning. (Cue comments….!)

So, now we need to start paying money… £525 for the valuation and homebuyer’s report, and another couple of hundred to get the local searches under way. A drop in the ocean really, but ‘ouch’ nonetheless.

Rays

Rays

A chilly sunset. Publishing photos every day (give-or-take) is proving to be quite a challenge… I really do need to get out there and take some more pictures!

Pylon Embrace

Pylon Embrace

Another blast from the past. Whilst walking around the RSPB reserve at Dungeness, we spotted these pylons. Mary commented on how they looked like they were straining to get together for a hug.


(Excuse the jaggies – it looks much better at full size)

Whizzy Mappy Thingie

Whizzy Mappy Thingie

I am a sucker for maps and aerial photos, especially the glut of web-based services that have been springing up over the last few years. The latest one to catch my eye is Microsoft’s maps.live.com, which includes some pretty scary “Bird’s Eye View” photos. You can even spin it round to get a different point of view.

Here’s a picture of our house taken on a week day sometime last year, before the builders started playing about with the lockups to the rear:

Instructed

Instructed

A quick house update. After our offer was accepted last week, we’ve properly instructed our solicitor, and signed scary mortgage forms. A surveyor is ‘getting back to me’, whilst our mortgage advisor is checking with the building society about how much an extended survey will cost through them.

The chain seems to be OK – our vendors have apparently already found a house to buy and put an offer in.

It’s all sounding and feeling particularly ‘real’ now.

Night Traffic

Night Traffic

Shortly after I bought my digital camera I went out at night to try some long exposure ‘light trail’ shots. This was about the best from that night, and, somewhat annoyingly, about the best from any subsequent attempts.

On Guard

On Guard

A break from the normal photographer for this one. I went out for a couple of hours yesterday and returned to find that ‘the wife’ had half-inched my camera. Here’s one of her results:

(I know I said no more cats for a while, but, well, does it count if I didn’t take the picture?)

Worthing Buoys

Worthing Buoys

A break from the normal equipment for this one. Here’s a picture taken with my phone (a SE K800i), but which really would have benefited from a decent lens and a decent sensor. Even so, I quite like the colours and shapes.

(Mildly edited in an attempt to insert some contrast…)

Accepted

Accepted

And there you have it. After viewing 5 houses we have had an offer accepted on a nice 3 bedroomed semi-detached affair on the outskirts of town. Now the fun and seemingly undocumented process of buying a house begins.

Whilst talking to the solicitor today (for longer than strictly necessary… they bill by the minute, right?) I was informed of the interesting fact that because the house is in the vicinity of the nice church that tends to get all the local marriages, we may be asked to contribute to its upkeep. Now this doesn’t sound too bad; there must be thousands of houses in the vicinity, so what’s a few quid every now and again to keep a nice church going? Well, it’d be nice if it did work that way. However, the church gets to choose who it asks for money, and it can be as many or as few people as it sees fit. Apparently there’s a case going through the courts at the moment about someone who was asked for £6,000 for something or other back in 1990, and decided to fight it. All the appeals have gone against him so far, and it’s about to go into the European Court of Human Rights. His bill so far stands at about £504,000.

Alternatively, we can pay for some indemnity insurance.