The Johannesburg country-home purchase is complete, and I have gone back through the timeline to see what actually helped. I am still not sure whether the final stretch took longer because of lender timing or because responsibility for the next document was not always clear.
One lesson is certain: the accepted price was never the full cash commitment. Financing expenses continued to arrive, and keeping a repair reserve proved more important than adding a little more to an offer. Earlier unsuccessful bids also showed me where my limit should be rather than simply encouraging me to keep increasing it.
For anyone who has completed a first purchase, which part of the process caught you out: the final document week, the handover, or the spending immediately afterward?
One lesson is certain: the accepted price was never the full cash commitment. Financing expenses continued to arrive, and keeping a repair reserve proved more important than adding a little more to an offer. Earlier unsuccessful bids also showed me where my limit should be rather than simply encouraging me to keep increasing it.
For anyone who has completed a first purchase, which part of the process caught you out: the final document week, the handover, or the spending immediately afterward?