Is buying or selling a house more stressful?

Mandy and I have moved house twelve times since we have been together. It has become a joke amongst some of our friends who say they never know where to send the Christmas card. I often claimed that it had just become normal for us. People would ask me why I never wanted to put down roots. I would say that we are just good at setting up a new home anywhere we go.

But this time feels more stressful.

As you know we are retired and spend more than half the year on our narrowboat. That certainly feels like home when we are there. But we want to keep a house for the winter, when it is muddy. We want to keep a house for when we get bored of the boat or are too infirm to open locks. We want to keep a house so we have somewhere with a little more space for our stuff.

And this time, instead of moving for my work, we are moving closer to Mandy’s family and friends, from Scotland to Lancashire. This week we have been spending time in both as we look to sell and buy.

The sale process has been fraught. We have been “on the market” for two years and twice we have thought the sale was happening. The first time the buyer turned out not to have the money after several months. The second time, the chain of buyers fell apart at the last moment. We have waited and we hope that in two weeks we will be moved out. It has been stressful, and the solicitors are still throwing out last minute complications such as whether we can find some paperwork the council signed off when we did work on the house seven years ago. But the removal company is booked and we have begun things like cancelling utilities. We have not enjoyed selling the house at all.

We have tried to keep buying a house less stressful but we have failed. The idea was not to look at houses until we were sure the sale was happening. Our plan instead is to live on the boat while we look. But last time we were confident and found a lovely house. Of course that has gone after the failed sale, so this week we have been looking again, with our fingers crossed on the sale. This weekend we are driving round Lancashire viewing our shortlist of houses. This should be an enjoyable time. It should be exciting to find our new home. But for some reason we are not feeling excited. Perhaps it is the worry that the sale could still fail. Perhaps it is the worry that we will make a bad choice. We are not enjoying buying the house at all.

I am naturally a very positive person. I am confident it will all work out for the best. But I don’t this stress. Maybe it is because I no longer have the stress of work, so this seems like a bigger deal. Maybes it is because it is summer, and we would rather be back on the canals. But we just want to hide in our narrowboat.

First world problems eh?

Choosing a house is stressful but oh so interesting

We have been staying in West Lancashire this week, looking for a house to buy. Over the past 40 years, we have lived in twelve different houses, usually moving for my job. Now we are retired it is time for my wife Mandy to come first and she has always wanted to live near her friends and family in Lancashire. She was born in Burnley and has a red rose in her heart.

The key criteria for choosing has been within an hour of Burnley. But that still gives a great deal of choice, especially since we are looking at a range of prices because we can choose to swap some pension assets for property if that makes sense. At the start of the week we had a long list of 54 houses on Rightmove.

We narrowed that list down eventually to about 16, and then by “drive by” to about 8. We have spent most of the past few days, visiting those 8. And boy have we seen some fascinating things. There was a beautiful farmhouse near Barnoldswick, dating back to about 1500. There was a house in the middle of Lytham St Annes that had a room full of snakes – yes really! And most interesting of all, we went to see an old cottage, near Blackpool airport, which turned out to be a witch’s house. Everything was painted black, and the cottage was filled with spiders, skulls and black cats. It even had a coffin shaped mirror in the bedroom.

We feel a little guilty about delving into other people’s lives, but we were genuinely looking for our new home, and by Wednesday night we had narrowed our search down to two properties. The first is a stunning stone built house in a village to the east of Preston. It has three stories, with a beautiful lounge on the first floor, overlooking woodland and a brook, and a wonderful kitchen diner on the ground floor, with stone flagstones and underfloor heating,

The second house is a new build on a small estate near Freckleton. The builder has gone bust, which meant the price front the administrator was excellent, and it has really spacious bedrooms, overlooking fields across the Fylde peninsular.

After two days of deliberating we have put in an offer on the second house and are waiting to see if it accepted. As a new house it provides a blank canvas for us. I wonder if Mandy will be looking for a pointed hat and a broomstick?

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