advice on mortgage app with past credit problem

daisyfrau

Congratulations! Truly inspiring!!

sammy70

Cant believe its 2 years since i started this post! :eek:

The next 6 month update should hopefully involve hubby and i having seen a broker, and knowing where we stand regards a mortgage, fingers crossed eeekkk :rotfl:

We are in the process of having the new kitchen fitted, we are halfway through painting the house, and then new carpets to be fitted, all this should be completed for xmas

As the kitchen is sorted, our targets for savings goal to reach August 2016 are now a mere £35,000 :rotfl: £5,500 at minute!!

Its 2 years hubbys had capital one card with perfect payments, no other debt at all.

We continue to be careful with our cash to achieve the maximum savings each month, it will be worth it!!

Its my lovely hubbys birthday today :bdaycake:

And tomorrow we celebrate our 2nd wedding anniversary

All in all we have a lot to be grateful for, a happy marriage, jobs, our and our children's health, and aiming for our new life in our new home next year all being well :happyhear

Heres to a frugal 6 months saving for our new house, we will give it our best shot in the last few months of our 3 year quest to be where we want to be together :heartsmil

sammy70

Today we heard back from our broker, we can get the mortgage we require :j

We have an estate agent coming tomorrow to sort the valuation and marketing of this house

I cant believe its all come together, we have worked hard for the last 3/4 years to get to this moment, here's to finding our forever home to live happily ever after :beer:

amyloofoo

What a lovely read! Well done, I hope the house sale goes smoothly and you're in your forever home very soon.

dld2s

Well done to both of you, wish I had the will power to set targets and stick to them

Bonfire_Bride

Truly inspirational!! Look forward to the next chapter!

Good Luck x

sammy70

:j A bit of a late update !

We have achieved our goals- we completed new kitchen October 2015

£8000 saved for hubbys car :j

£6000 saved for my future horse :j

sold this house for £107,000 , sale completes tomorrow :j

We also have an additional £20,000 in premium bonds :T

We are hunting for a new home, we will be staying with our son while we do this

Hopefully next update will be when we have found our dream home in the countryside :beer:

Candyapple

Inspiring stuff!

Congrats on reaching your goals and thanks for coming back to update the thread

pitbullpeebs

Loved reading this & congratulations, you were in a similar situation that I am experiencing now, can I ask how old you both are? My partner & I are both 40 & are worried that we won't be expected on age grounds?

sammy70

Thanks for the lovely comments!

Husband and I are 45 and 42. You should be fine age wise in your 40s, obviously depending on lender, most lend up to, and some even beyond retirement age, providing the income is there to support payments . The more you can put down the better as deposit we think, as we are looking at max term of 20 years for our new mortgage

What stage are you at pitbull?