Thank you, mf. I think I didn't provide enough information.
It's been
months since the sale was agreed. There have been many delays.
From the outset, the Seller and his solicitor were very slow in providing the initial paperwork. Then there was some sloppy paperwork that my solicitor has had to get tidied up from when the Seller closed on his purchase of the property initially.
When the sale was agreed, I didn't know the Seller was in negative equity. He seemed to want a quick sale, but has only in the last couple of weeks apparently requested the consent to sell. I would have thought the Seller would have requested this at the outset, particularly if he wanted a quick sale.
My solicitor and I are not happy for me to sign a contract for sale unless I am assured that I will purchase the house free and clear of any mortgage or other encumberences. Seller's solicitor suggested at one point that I make the cheque payable to the mortgage company at closing.
Seller's solicitor has sent us a few versions of the contract, but none have satisfied my solicitor in regards to the existing mortgage, and they have not included a copy of a consent letter nor indicated that consent has been sought or granted prior to last week. No news since then.
I have been patient with all the delays as the house ticks nearly all the boxes for me and the price is very good, and will allow me to be mortgage free. Being a first time buyer, I am not familiar with the process beyond the basics, so all these twists have caught me by surprise and I haven't understood what's what with them.
Before this week, I didn't even know about letters of consent per se. I learned that here on this forum. (THANK YOU!)
Thanks in advance for any thoughts or info.
Bird