Our house sale completed on Monday – goodbye, Oxford! I’ll miss the lively atmosphere and convenience of Cowley Road, though I suspect that my waistline will benefit from not having quite such easy access to supermarkets and restaurants.
Now the sale’s over, I’m going to give out my customary plaudits to the firms we used for our move.
Firstly, the estate agents: Breckon and Breckon, who were constantly helpful and professional, responded well to emails and phonecalls, handled all the bidders, supervised all the viewings, took decent photographs and even arranged for extra surveys and quotations on behalf of the buyers. In short, they did everything possible to make the process straightforward, so thanks very much to Jenny, Julie, Ellie and the rest of the team there.
Secondly, our solicitor: Chris Wingfield from Woodfines‘ Cambridge office, who handled our conveyancing last time. Again, excellent on email and managed to keep us up to date with everything without needing to be chased.
Finally, the removers: A G Jacob & Sons (they must get a lot of renditions of this song – but I resisted, just!) who quoted sensible prices for removals and storage and would supply packaging and do all the packing for £150 extra. Steve, Melvin and the team were courteous and helpful and very efficient. They’ve got all our stuff in storage down in Wallingford and we’ll probably see it again in a couple of months. I would strongly recommend that if you have enough furniture to need a full-service remover that you pay extra for packing – it doesn’t add a lot to the cost and massively reduces the levels of stress and hassle beforehand. In fact, you’d probably pay almost as much just for the packing materials if you bought them yourself.
The house purchase process grinds on slowly, with pretty much all the delays being caused by Clydesdale Bank, whose business process is so slow it makes most glaciers look positively rapid by comparison. They are at least helpful when I speak to them, and I don’t have to deal with them via the execrable London & Country Mortgages this time – Clydesdale’s mortgage team answer the phone on the second or third ring, which is more than L&C ever did. But we’re now into the fourth week since we had our offer accepted – two weeks were spent waiting for Clydesdale to give us an appointment to discuss the mortgage, and I’m told that the necessary forms and paperwork have been finished today and should be with me tomorrow. However, their process apparently can take up to another eight weeks from them receiving these forms before the mortgage is ready to draw down. The vendors are already getting shirty with us (via their estate agents), which is exactly what happened last time. I’m only sticking with Clydesdale because it’ll cost me £8k in early repayment penalties to go to someone else, and because they at least are prepared to give us a mortgage when we’ve both just changed jobs, which it seems a number of other lenders have a problem with. But generally, don’t touch them with a bargepole. I don’t own a bargepole any more, but I might just buy a new one so that I can not touch them with it. Let’s hope we inch forward a little bit in the next few days.