The Piglet family should (dramatic pause), normally have a home to call their own again from 15th March. We’re due to complete on the city pad sale on February 15th, meaning that we need to move out really by February 11th, meaning “OH MY GOD, I’M GOING TO BE HOMELESS IN 16 DAYS!!!”
It seemed to be the perfect time to have a baby, aged 28 + 31 we were settled in life, had stable businesses, a nice home and now we are going to be homeless! What went wrong?! First of all it took much longer than we thought to actually make a baby and then the world’s economy decided to continue to being bad. So here we are at ages 30 + 33 with a bun in the oven and homeless in a matter of weeks!
Fear not for the safety of Little Miss Piglet however, as we have found a house to buy! In fact, it was the house I first presented here back in November – ironically one of the first ones we saw after accepting an offer on the city pad.
You may remember our original wish list?
- spacious, ideally 200m2
- rural but not isolated
- character building if possible (shouldn’t be hard in France)
- ADSL required!
- Not on a busy road
- No structural renovation required in the main property
Well this property ticks all the boxes except the busy road one. There is a busy road at the end of the garden, but the gardens 1.5 hectares big, so that’s quite a way away and with some hedge growing and clever gardening we should be able to block out a fair bit of noise.
Why we didn’t buy it back in November I do not know, it just seemed to early in the search and then we went on to the other property with dreams of running gites and the like so I guess we (more like I) got sidetracked in a dream world for a while. I’m still keen on the gites idea and we will have a barn which we will be able to convert eventually if I still want to do it.
We made our first offer on the property last week and by Monday we had agreed a sales price and completion date with the agent and vendor. Spookily though, ever since things have gone quiet and we are waiting for them to formally countersign the offer letter we sent them to send on to the mortgage bank (the mortgage bank have agreed to speed up the process of issuing our mortgage offer if we give them a copy of the countersigned offer letter).
We didn’t have any news from the agent yesterday and no news as yet so far today. Maybe this is just normal for France, I really don’t know but judging by our experiences so far it seems as if it might be, so I am trying not to panic just yet. Afterall, the vendors agreed to everything on Monday so why would they change their mind just yet?
I have to say though, everything is slow in the property process, here are a few more examples:
1. Removal company: we’re using a removal company to remove, store and then install our belongings. We contacted them on Monday morning first thing to confirm a removal date and we’re yet to hear back. We have chased.
2. Notary: we contacted our notary ref the property we’re selling on Monday to confirm a completion date for the signature of the Acte Authentique as we’d agreed with the purchasers that we’d complete on 15th February. So far, no confirmation from notary.
3. SAFER: The SAFER is an organization who have first refusal on all agricultural and rural land over a certain size, a bit like how the townhall has first right to buy a property when a sale agrees. The vendor has to contact the SAFER and inform them that the property and land is being sold and then it can take up to two months (!) for them to come back and contest the sale. Because of our desired completion date we had to request that the fast track service was used as opposed to the normal bog standard service. Nobody in the sales chain (notary or agent) mentioned this was possible, it is only our knowledge of this that enabled us to request that it was used.
4. Our bank (three letter word with lots of L’s): refused our initial mortgage application because they were still taking into consideration our existing mortgage when deciding whether or not to lend. They wouldn’t reconsider until we could provide proof that our city pad was definitely sold (ie our buyers had got mortgage finance). This was sent to them on Monday morning. Today, I left my 6th message and finally got a call back confirming receipt but still no news on the mortgage – thank goodness we have another source to go to but I do prefer the rates our bank offer!
I’m sure there will be plenty more examples of how buying property in France is stressful over the coming weeks but let’s be positive, everything can be dealt with! So far, I’ve decided the best way to ensure that things keep moving (thanks to my business experience) is not to let up on anything! Each morning I make a list of all the people that are important to my project and I call them to touch base or to remind them I’m waiting for an update. This would annoy me so much but in France I’ve decided it’s essential.
You just cannot rely on people to get back to you, you have to remind them constantly. Proof of this is the number of people who are able to give you an update there and then and yet they hadn’t contacted you. Maybe I’m shooting myself in the foot and by calling everyday they won’t bother to update, they’ll just wait for our call, but at the end of the day it’s me that wants to move in as quickly as possible so I may as well make the effort!
Finally I can start dreaming up colour schemes and decoration for the nursery!