Forever Home Fund

wildesavings

How frustrating!

I really do loathe dealing with banks. It's never down to a human decision any more is it. Just a case of 'computer says nooooo'... lol I sound 95 not 35

katep23

smallholdingsister wrote: »

That is frustrating. It would be nice if these folk were accountable for what they say on the 'phone but it seems there is none.

We are going to put in a complaint just in case the two people were right and the mortgage advisor was wrong but don't hold out much hope!

wildesavings wrote: »

How frustrating!

I really do loathe dealing with banks. It's never down to a human decision any more is it. Just a case of 'computer says nooooo'... lol I sound 95 not 35

When we applied for our first mortgage, we were going to be turned down because we were not actively paying into a pension at the time.

Our mortgage was due to end at 67 which was our retirement age at the time, however the bank was still using 65 as the retirement age. It took an underwriter to review our file and reverse the decision :cool:

katep23

£250 OP made so that on 2nd September after our mortgage payment has been applied we will be in the £319s...

For one day

smallholdingsister

Woohoo! Great efforts.

katep23

Just over £500 OP needed to make sure that after October mortgage payment we never see the 320s again... I feel a challenge coming on!

wildesavings

:T Well done :T

Seeing those front numbers change is so motivating! I can't wait until we're at a point where that can happen every month.... the dream lol

katep23

So excited it's 319s day...

Then I logged in and remembered that my online account updates at 3.00am and I won't be able to see the mortgage payment applied until tomorrow - doh!

katep23

December 2014
Mortgage £346,545.00
Mortgage free date 2044
LTV 86.64%

2nd September 2017
Mortgage £319,998.25

Total paid off capital in last month: £819.05
Total paid off capital: £26,596.75

MOS: £0

LTV: 80.0%

Amount to Mortgage Neutral - £322,889.88 (WIOTW) (-£1,900.59)

katep23

Hello 319s!!!! :j

wildesavings

Bye bye £320's