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QB Wolf's long and winding road

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Comments

  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
    edited 31 October 2013 at 8:49PM
    Haven't passed a milestone for ages and then like buses, two come at once. Mortgage goes below £175k for the first time and LTV dips below 75% :j:j:j
    Start Date 16/09/2015
    Original amount outstanding = 225,000 Current amount outstanding =199,812
    Original LTV = 64% Current LTV = 49%
    Original Pay Off Date = Sep' 36 New Pay Off date = Sep' 36
    Original Dly Int = 17.17 New Dly Int = 17.17 Total OP = £1319.31
  • sweetdaisy
    sweetdaisy Posts: 1,249 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    You are making great progress QBW :T. £17,000 Capital reduction in one year is amazing.
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
    Well I haven't posted for a while. I've lost my mojo I'm afraid to say.


    No news on anyone wanting to look at our house, so time to take it off the market for a bit probably.


    I've remortgaged today, going from 4% to 2.85%, which will save me £125 a month which I'll overpay.


    Anyway sig all updated for end of November.
    Start Date 16/09/2015
    Original amount outstanding = 225,000 Current amount outstanding =199,812
    Original LTV = 64% Current LTV = 49%
    Original Pay Off Date = Sep' 36 New Pay Off date = Sep' 36
    Original Dly Int = 17.17 New Dly Int = 17.17 Total OP = £1319.31
  • fothers365
    fothers365 Posts: 269 Forumite
    We have been on the market since mid October and only 2 viewings and feel much the same as you. I have stopped keeping a spending diary and things though we are still doing some OPs but not being so strict with ourselves. I will start again January.

    I wondered whether we should take ours off. If truth be told there isn't a lot out there that is much better that we can afford, the things we all like are £20-30k more than ideal and I worry it may be a move for the sake of it if someone did make us an offer at the moment:(

    Good new on moving your martgage though. I hope the new year is a fresh start for you ( and us!):)
    Jan 2013-£140,231.65
    Jan 2014-£120,081.94
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
    Hi Fothers, thanks for the note. My Mojo still won't come back. We had a viewing last week, Mrs QBW spent 3 hrs getting the house sorted, they were here 9 minutes and that was it. Heard nothing since....


    We went to view 2 on Saturday and like them both, but I couldn't get excited in our situation.


    In other news!! Had a lovely day yesterday, Nativity play with my boy being a great shepherd and then a Santa canal trip. 3 more days of work and then a break - can't wait...
    Start Date 16/09/2015
    Original amount outstanding = 225,000 Current amount outstanding =199,812
    Original LTV = 64% Current LTV = 49%
    Original Pay Off Date = Sep' 36 New Pay Off date = Sep' 36
    Original Dly Int = 17.17 New Dly Int = 17.17 Total OP = £1319.31
  • fothers365
    fothers365 Posts: 269 Forumite
    How annoying, poor Mrs Wolf:(

    Let's hope spring is good for house selling.
    Jan 2013-£140,231.65
    Jan 2014-£120,081.94
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
    Finished work today, two weeks of relaxation - can't wait, no alarm clock in the morning :j
    Start Date 16/09/2015
    Original amount outstanding = 225,000 Current amount outstanding =199,812
    Original LTV = 64% Current LTV = 49%
    Original Pay Off Date = Sep' 36 New Pay Off date = Sep' 36
    Original Dly Int = 17.17 New Dly Int = 17.17 Total OP = £1319.31
  • Alchemilla
    Alchemilla Posts: 6,276 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Spring is a good time for house selling. Have you had someone to House Doctor you?
  • sweetdaisy
    sweetdaisy Posts: 1,249 Forumite
    Tenth Anniversary 1,000 Posts Combo Breaker
    Have a good fortnight off QBW :).
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
    Alchemilla wrote: »
    Spring is a good time for house selling. Have you had someone to House Doctor you?



    No but Mrs QBW is pretty good to be honest. She's got a good eye and get the place looking nice, there are a few jobs that need doing though.
    Start Date 16/09/2015
    Original amount outstanding = 225,000 Current amount outstanding =199,812
    Original LTV = 64% Current LTV = 49%
    Original Pay Off Date = Sep' 36 New Pay Off date = Sep' 36
    Original Dly Int = 17.17 New Dly Int = 17.17 Total OP = £1319.31
This discussion has been closed.
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