The Last Castle

Well we had a viewing cancel today, as part of an offer the vendor excepted, I don't perticularly mind as it was one that appealed to Dods more than me.
We're going to make an offer on the house that suits us well, with a price that brings it in line with the house prices sold in the same street, it's a respectable offer far from cheeky but I'm half expecting to be rejected.
I know that Dods would like to up the budget and max out our mortgage availability that isn't going to happen, I'm tired now and need to drop my working hours.

Parking is oddly our main issue we have our grown youngest still at home, we all work in different town's so 3 cars to find parking for, our budget realistically runs to terraced, semi detached at best, have no issues parking on road but it actually been quite hard to find house's with enough road or other wise. Other than that the only non compromise is Central heating I'd be happy in cardboard box if I don't have to cut firewood anymore.

Nope just a beast of a woodstove ( no back boiler) and lots of jumpers, we only had a portable gas fire for the first twelve years in our first home, finally saved enough to have oil central heating installed then moved out two year's later,but those two years were the best . There is a plus side bill are low as none of us like it too hot.

My work hours are in till October are starting this week. Like most in Cornwall or anywhere along the coast my work is subject to seasonal variation, I lose 6.5 hours pretty much from now until March next year in my main job,but my second job is in full swing and I gain 8 hours a week there until October half term. We are only using my main job figure towards the mortgage application which is just shy of 13k a year, ( excluding overtime) my second job gives me just shy of an additional 5k a year.
We have spent the last 18 months living off the Dods wages and using mine to clear our debts and get some savings behind us, we been living pretty well on the 14.5K he brings home PA. This gives us the opportunity to put almost £1500 a month in savings/off a mortgage which gives us our ten years timeline. It pretty much impossible for us to get a mortgage that would allow that kind of overpayment so we will overpay what we can then a lump sum at remortgage opportunities.
A woman with a plan is pretty dangerous but it's the only way I can drop my working hours.

Well we found the house, offer excepted so when all the I are dotted and the T crossed we are the not so proud owners of a £113000 debt+ interest.
There is a bit of work to do, mostly wants we are determined that no credit other than the mortgage will be involved so it will be the one room at a time slog.
Like most we can repay 10% without fees but have to clarify this with the lender not totally sure how the overpayment works within a fixed term.but regardless any savings can be paid off at the end of the two year fix or remortgage, but I will concentrate on 1% at a time I'm going to be free of this in a hundred payments come ell or high water I've decided, I don't do debt well and I like my sleep