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QB Wolf's long and winding road

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  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
    edited 22 May 2013 at 7:22AM
    Hi SD, not without losing the lawn altogether.

    We're viewing a house on Saturday - so we'll see.
    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
    Wow - that's quick organising a viewing, hope it goes well :).
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
    We've got two now on Saturday. :D

    Also having our house valued tomorrow by new mortgage company and estate agent - spent last three nights frantically tidying, could spend another three weeks!! :(
    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
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
    edited 23 May 2013 at 10:49PM
    So the mortgage valuer was here five minutes, hardly spoke and left.

    The estate agent was here for ages and said she'd put it on for £290 with the hope of getting £275, I can't see us getting that tbh. Interesting to see what the mortgage value is, darn sight lower I bet.
    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
    It will be interesting to see the difference between to 2 values. We have never had that as any time we have been valued it has been nowhere near when we had an estate agent in.

    Happy viewing at the weekend:)
    Jan 2013-£140,231.65
    Jan 2014-£120,081.94
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
    Well the viewings were interesting, the one was a complete no no, it really needs knocking down and starting again & I'm afraid we don't have the cash or motivation to do that.

    The other one we really liked, ticked nearly all of the boxes, so we're putting our house on the market on Tuesday (I think).

    Can we put an offer in before ours is on the market?
    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
  • Lois_E
    Lois_E Posts: 2,227 Forumite
    Ninth Anniversary Combo Breaker
    QB_Wolf wrote: »
    Well the viewings were interesting, the one was a complete no no, it really needs knocking down and starting again & I'm afraid we don't have the cash or motivation to do that.

    The other one we really liked, ticked nearly all of the boxes, so we're putting our house on the market on Tuesday (I think).

    Can we put an offer in before ours is on the market?

    Don't see why not. If I were selling mine, I'd treat an offer from someone whose house was just about to go on the market as about the same as an offer from somebody whose house had just gone on the market.

    Good luck with it all, anyway. :)
    Starting again 13/4/19
    Home loan 1: £21,102.50 Home loan 2: £7,698.99
    Total owed: £28,801.49
  • QB_Wolf
    QB_Wolf Posts: 722 Forumite
    £179,974.33

    At last we're into the £170s, I was hoping to say never again will we owe £180k to anyone, unfortunately in two days the daily interest means that's not true :D

    Still really chuffed, haven't had a milestone to celebrate for a long time:T

    Usually I'd be thinking how quickly can I get through the 170s, but looking to move house has scuppered this thinking a little......

    ..... but for now, even though it's 6 months later than planned, we're into the 170s woo hooo!!!
    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
  • LauraJo
    LauraJo Posts: 1,041 Forumite
    Eighth Anniversary 1,000 Posts Combo Breaker
    Congrats - well worth a celebration me thinks :)
    Mortgage starting balance 2011 ... £170k today £1.5k
    Savings: £3k
    Aim: 100k by Dec 2021
  • Lois_E
    Lois_E Posts: 2,227 Forumite
    Ninth Anniversary Combo Breaker
    Yay! Well done QBW.
    :j:j:j :T:T:T :beer::beer::beer: _party__party__party_ :dance::dance::dance:
    Starting again 13/4/19
    Home loan 1: £21,102.50 Home loan 2: £7,698.99
    Total owed: £28,801.49
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