[Closed] making an offer on a house

Standard in my experience is a phone call to their agent. (backed up by every episode of Location location location I've ever seen)

Print out of on line banking is generally ok.

You can ask what you like, but i doubt you'll get it completely removed. Especially as until you exchange they have no guarantee that you'll proceed (assuming you're not in Scotland..)

J

From experience a lot depends on the estate agent. For 2 houses we submitted offers we did it over the phone. They wanted proof of mortgage in principle etc. One was a complete d**k and told us he wasn't going to receomend our offer as the other seller had a larger deposite. No idea what difference that made. For the second it was over the phone with backup via email for proof of deposite (bank statements) and mortgage in principle. sadly the seller didn;t want to move out for over 6months so we told them to jog on.

The one we got, we went in to the estate agents as we had some questions and submitted the offere verbally. Once accepted we fired over the mortgage in principle etc.

Not sure about the gazzumping, but our estate agent marked it as sold the day we had the offer accepted. Even talking to some folk in the local pub, they were refused a visit after our offer was submitted and they wouldn't entertain counter offers. Coule explain why they were voted one of the top estate agents in the country

Yea, I must say, I pretend to be Phil when speaking to sellers agents. Though I might switch to Kirsty mode when I put the offer in.

Normally just make an offer on the phone, and then follow it up on email if you want.  They then have to issue you paperwork of your offer and it being passed to the vendor (this is normally done in 24 hours on a working day).  They will then tell you what paperwork they want, which normally requires going into the branch if its local.  We just took print outs of our saving accounts (with the account details blanked out), which was enough for them just to see we had the money.

Good luck

Oh and they are VERY unlikely for it to be removed completely from Rightmove etc - that is their marketing for the stuff they have sold.  Just get it SSC and be a good buyer and keep your fingers crossed.

OK, made the offer. I send an email with the offer + as much supporting documentation as I could muster. Sent that, then phoned the branch to discuss in person. Seemed like a good move, they seemed to acknowledge my care and attention, though did say it usually purely boils down to price.

In the end it seems like screen shots (redacted acc info) of bank accounts suffices as proof of deposit etc.

Fingers crossed time, though I assume they'll reject it as that seems to be the way. So working on what my next (possibly final) offer will be.

I never proved anything to the agent about my ability to pay. Not their business really. I mean, I can understand them preferring to be confident you're a serious buyer but ultimately they are just an obstacle in the process, not a necessary part of it. I never saw proof that the buyers could pay for the houses I've sold either.

Moved fairly recently.  A call to the Estate Agent is enough, they are bad for not getting proof and plenty will take your word for it when you don't have funds which causes delays.  So make it clear you do and have sold your house etc, also find out the state of your chain as this will all sway the buyer.  We turned down a higher offer from a buyer that had not even accepted an offer on theirs. We were also asked to take off the market which in reality means Sold STC on Right Move etc and taking the sign down, no more viewings.  Solicitors will ask for official mortgage docs and funds later down the line.

On the house we bought first offer was 15k below asking and went up every few days in smaller and smaller increments till they caved, took a while and ended up pretty close to the asking anyway, although they did state 'Offers Over' and were initially very put out we did not abide by that, lol the cheek.  I'm sure the estate Agent would have let us know if any other offers had come up between times.

Also, call your Solicitor minimum once a week for an update because they all seem to prioritise based on harassment.  And don't panic when you get snotty letters from theirs about covenants and certificates, they are not deal breakers, the buyers are most likely not as obsessed with them and just as keen to get moved.

I haven't moved in 15 years but last time I did I don't remember proving availability of a deposit..... I was selling a house for a lot more than I'd bought it for (lucky me to get on housing ladder at right time) and so had a lot of positive equity, and was then moving to a house that as a result I was only mortgaging for about 65% of value. The positive equity and paid off mortgage from H1 providing the 35%

15 years on I'm further in positive equity thanks to house price inflation and more paid off (owe about 25% of value now) but if I was to move would I need a 'cash' deposit now?

[edit] unless I'm misreading where the OP said he's sold his house - maybe he has actually sold it rather than sold STC (and banked the cash) and hence it does make sense.

Made an offer via email on current house, provided no evidence of ability to purchase and also got it taken off the market for other viewings. (not STC on rightmove, totally off)