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Offering process - should I wait or up the offer?

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Comments

  • Joannaclaire
    Joannaclaire Posts: 242 Forumite
    Fantastic news! Good luck with all the solicitor instructing, mortgage application etc process.
  • JennyW_2
    JennyW_2 Posts: 1,888 Forumite
    I've always assumed that carpets stay when you purchase :confused: it's certainly not been mentioned in any of my viewings
  • booey_2
    booey_2 Posts: 44 Forumite
    Good luck Tom, I hope you get it.

    Fingers crossed for you :)
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Best of luck!
  • tomstickland
    tomstickland Posts: 19,538 Forumite
    10,000 Posts Combo Breaker
    £86,500 offer accepted, carpets and fridge + washing maching included.

    I've talked to two mortgage advisors and both have found me 4.45% fixed rate offers on a £76K borrow. Works out as £420pcm.

    Back of the net.

    I've done countless spreadsheets on this now, but including service charge etc it'll cost me £500 pcm for the place. I'm currently paying £250pcm to live at home, plus I'll save £50 on transport costs per month, so in reality it's costing me £200 extra pcm to move. Plus bills, council tax, food etc, but I reckon I can get my monthly cost of existing down to £750-800, leaving me ample room to overpay and still have some fun.
    Happy chappy
  • mummytofour
    mummytofour Posts: 2,636 Forumite
    YAYAYAYYAAYYAAYAYAYAYA Fab news party at Toms!
    Debt free and plan on staying that way!!!!
  • Red_Elle
    Red_Elle Posts: 476 Forumite
    Congratulations on getting it. Do you mind telling me who the rate is with? My broker (and me shopping around on my own) haven't found anything better than 4.75%
  • tomstickland
    tomstickland Posts: 19,538 Forumite
    10,000 Posts Combo Breaker
    Stroud and Swindon, borrowing £74K over 25 years, 2.5 year fixed rate, no overhang,
    repayment mortgage with overpayment facility.
    Happy chappy
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