We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
So stressful!
allylou2002
Posts: 40 Forumite
Hello!
Been reading lots of posts and until now I never realised how stressful it is moving house. I sorted my own mortgage when we bought our first home, no problem - but this time, I am so nervous!
Should I freak out or not?
We have sold our house and had an offer accepted for what I hope to be our new home
We have a joint income of 68K, both our credit ratings are excellent (from what Experian say), we have no CCJ/Defaults, our borrowing against available credit is very low - we do have a car loan, credit card and I have a personal loan. All our bills are paid on time, no arrears. We both have secure employment which we have been in for over 6 years.
Hopefully we will choose the most appropriate deal tomorrow to start our full application and I am TERRIFIED. This is THE house - we have been waiting for an opportunity to come up and we have got a great deal.
Anyone else in the same boat?
Been reading lots of posts and until now I never realised how stressful it is moving house. I sorted my own mortgage when we bought our first home, no problem - but this time, I am so nervous!
Should I freak out or not?
We have sold our house and had an offer accepted for what I hope to be our new home
We have a joint income of 68K, both our credit ratings are excellent (from what Experian say), we have no CCJ/Defaults, our borrowing against available credit is very low - we do have a car loan, credit card and I have a personal loan. All our bills are paid on time, no arrears. We both have secure employment which we have been in for over 6 years.
Hopefully we will choose the most appropriate deal tomorrow to start our full application and I am TERRIFIED. This is THE house - we have been waiting for an opportunity to come up and we have got a great deal.
Anyone else in the same boat?
0
Comments
-
Been there , done it. 7 times in total. Always vow it will be my last.0
-
I do not think I will hurry to do it again!
The will they / wont they is getting to me - everyone says it is fine..but who knows? THey may not like something about my application
( 0 -
I'm in the exact same situ although I'm a first time buyer. The not knowing is unbelievably stressful isn't it?! I'm like you in that there is nothing bad in my financial history, but I'm still freaking out because people just keep saying how strict they are now. I'll keep my fingers crossed for both of us
0 -
Any deal can fall apart - that is the nature of it.
All you can do is provide everything requested, complete, and as soon as possible in order to keep things chugging along.
Make sure your broker is introducing you to an efficient lender if securing this property is paramount.I am a Mortgage Broker
You should note that this site doesn't check my status as a Mortgage Broker, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.7K Banking & Borrowing
- 253.4K Reduce Debt & Boost Income
- 454K Spending & Discounts
- 244.7K Work, Benefits & Business
- 600.1K Mortgages, Homes & Bills
- 177.3K Life & Family
- 258.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards