Get Off My Lawn
11 Jul 2008 | Filed Under: Domesticities
Popular wisdom would have you believe that buying a house is one of life’s most stressful events, right behind the death of a partner or divorce. Having just this afternoon bought a house, I have to say: this is one of the least stressful transactions I’ve ever been through. Seriously. Easy peasy. A snap. Eight weeks start to finish. Done and dusted.
Although I know nothing about buying houses and even less about buying houses in Ireland, I am generally very lucky in finding people to work with who make being clueless easier. At this point I can say with some authority that I still know nothing about buying houses, but we’ve become very good at writing enormous cheques and in return, someone has given us keys to a building we apparently now own. This is due mostly to the efforts of these people:
- Mortgage Broker: We fall into the “specialist borrowers” category so we needed a mortgage broker. I worked with Jonathan O’Brien at White Star Mortgages. He was awesome, very responsive, and gets points for answering after hours emails from his Blackberry. I found him through AskAboutMoney when bitching about our first mortgage broker, who sucked out loud.
- Mortgage Company: Springboard. They do broker-only loans but had the best rate available to us, so I’m doubly glad we went through our fabulous broker.
- Conveyancing Solicitor: I found Aileen Walshe when looking for flat fee conveyancing that wasn’t done by the equivalent of a conveyancing sweatshop. She’s excellent. At one point she got in her car and drove to the seller’s solicitor to pick up the contracts they continually failed to put in the post. Even our estate agent said she was great. She charges €995 plus VAT.
- Auctioneer: Speaking of estate agents, ours was Dermot Lynch at James Coughlan. He drove me around Cork all afternoon one day, and since he’s done a bunch of property renovations, he was very handy to have in tow. He’s also lovely and smells gorgeous.
The flip side of there being no moments of horrendous stress is that there’s also been no joyous moment of “woot!” so far. I suspect that this is because I’ve treated this whole thing like a very tentative and theoretical house buying exercise: if we can get our cash in place, if someone is actually dumb enough to loan us a big pile of money, if we can find a house in our budget, if they accept our offer, if the mortgage company actually draws a cheque, if it actually closes.
I was sincerely prepared for this to fall through at any given if, but as it happens, they all fell in line. John let me know he’d picked up the keys this afternoon with a text message that says “zOMG H0WCE K33Z!!” He’s also been running around yelling “Get off my lawn!” for practice. At what, I’m not sure, since we won’t actually have a lawn, but I suppose “Get off my concrete!” doesn’t have the same ring to it. He’s really digging home ownership.
Me, I’m convinced the whole building will collapse during renovations, taking at least two adjoining neighbours with it. More than that, while I may be new at this, I know one thing for sure:
It isn’t the house buying that will kill you. It’s the house moving.









