I WILL get there!!

little_miss_spendtoomuch

Hi Kirsty, I've been reading your diary for ages now and so excited for you about the new house! I hope it all goes well for you. I'm currently in the process of trying to sell my home and looking to buy a new build.
Problem for us is that they won't let us reserve a home until our current home is under offer
Our way of thinking is totally the same. I want to move now so I'm ready for when we do start a family. Like you it worried me about the fact the mortgage companies lend you less once you have a dependent.
I see you're doing help to buy. Is that the 20% government loan? That's what we are looking to do. It will help us a afford a 4 bedroom home in a decent area rather than having to move miles away. Have you thought about how you will pay the loan back? That's the one area I need to do more research...

kirtsypoos

Thanks for reading LMSTM

I feel your pain with the reservation. I don't think I've caught up on the whole house saga on here fully and we originally wanted to reserve a newly released Barratt home but because we weren't SSTC, the only way we could do it was on their movemaker scheme (they agreed to pay our agents fees) but we pulled out when we realised the third bedroom wasn't big enough for a single bed and single wardrobe. By that time we had an offer on our house so it was all systems go for finding a new one, which happened within a week of accepting the offer on ours, but if we hadn't been SSTC we wouldn't have been able to go for this one.
Is yours on the market already? If not, get that done ASAP and fingers crossed all goes well for you

We are doing the 20% equity loan, which does scare me but I already have a spreadsheet sorted (locoblades on here if you haven't already got it) with mortgage overpayments planned. We make a small overpayment every month now, but that will increase when I finish paying debts and that's our master plan for paying off the Equity loan at the moment - overpay anything and everything as much as possible! We would have no chance of the house we are going for (like you, 4 bed in a nice area) without the help to buy scheme and I'm very disciplined with numbers and spreadsheets these days so I know I can make it work....OH is just along for the ride really as he leaves all the financial stuff to me :rotfl:

Had our boiler and gas fire serviced today so that paperwork has now been sent to solicitors. Keep everything crossed for plain sailing from hereon in please

kirtsypoos

Am most upset that whatsthecost.com seems to have a glitch - I am inputting my payments to my snowball but it isn't showing up at all, which then has me worried that I've tried a few times so what if they all show at the same time and my snowball is out of sync with spreadsheets :eek:

Bobarella

I didn't want to not comment on what you said about going to see your bio dad, but equally I'm not going to nose. I think all families are quite difficult in one way or another.

abba1772

Thought I would pop over and say hi :hello:

Congrats on new house hopefully there will be no more issues with the seller seeing as you've had a wink xx

Waiting for the mortgage offer for us 7month ago was horrific we had a month of limbo we would get told Friday we would hear something and it never came......we went through four Friday lol was a nightmare and very very stressful glad it's over now only a year and four months before we can remortgage lol xx

kirtsypoos

Thank you Bob - sometimes just seeing it written down makes it a bit easier in my mind.

kirtsypoos

Hi Abba :hello:

I thought the mortgage wait was stressful but this buyer is driving me round the bend! Saying that, 4 fridays would have been too much for my nerves to cope with :rotfl:

Your house sounds like it's really coming on now, I can't wait to join in with the decorating stories

I was on countdown to remortgage but as it is we are still a year off of remortgaging because of the move to the new house, where we've gone for a 5 year fix because we won't be able to get into the next LTV bracket in that time and I want to know exactly what we are spending each month so if we are lucky enough to catch with a little one next year I can plan accordingly! so I've got my spreadsheet as filled in and sorted ready

little_miss_spendtoomuch

kirtsypoos wrote: »

Thanks for reading LMSTM

I feel your pain with the reservation. I don't think I've caught up on the whole house saga on here fully and we originally wanted to reserve a newly released Barratt home but because we weren't SSTC, the only way we could do it was on their movemaker scheme (they agreed to pay our agents fees) but we pulled out when we realised the third bedroom wasn't big enough for a single bed and single wardrobe. By that time we had an offer on our house so it was all systems go for finding a new one, which happened within a week of accepting the offer on ours, but if we hadn't been SSTC we wouldn't have been able to go for this one.
Is yours on the market already? If not, get that done ASAP and fingers crossed all goes well for you

We are doing the 20% equity loan, which does scare me but I already have a spreadsheet sorted (locoblades on here if you haven't already got it) with mortgage overpayments planned. We make a small overpayment every month now, but that will increase when I finish paying debts and that's our master plan for paying off the Equity loan at the moment - overpay anything and everything as much as possible! We would have no chance of the house we are going for (like you, 4 bed in a nice area) without the help to buy scheme and I'm very disciplined with numbers and spreadsheets these days so I know I can make it work....OH is just along for the ride really as he leaves all the financial stuff to me :rotfl:

Had our boiler and gas fire serviced today so that paperwork has now been sent to solicitors. Keep everything crossed for plain sailing from hereon in please

What a shame about the first place falling through. Is the one you're buying on the same development? The house we are hoping to buy is also a Barratt home. We put our flat up for sale last week but it's been a fight to get that far. Our current home is shared ownership so we have to go through our housing association to sell. It literally took like 6 weeks to get to the stage of advertising our flat for sale. Because it's shared ownership means we can only advertise on this one random website so hardly anyone knows it's for sale which is annoying.

Wow I admire how organised and disciplined you are. Overpaying on your mortgage is great. The old spend me would have just gone ahead with the purchase and worked about everything later but we are both going to sit down and work out how we can afford to repay it. My husband is the same! I do all the admin stuff but he does all the cooking

I hope it all goes ok for you from now on...

kirtsypoos

It's all for the best now as the new one we are buying isn't much different in price but has 4 bedrooms, is detached and has a detached garage with power so definitely the best decision we could make

OH really struggles with terraced or semi-detached houses as they don't really have them in NZ - he's used to living on a section of a acre with a single storey property and it was difficult to adjust when he first moved here, so he is thrilled that it's detached, although it's 3 storey so still different from NZ!

What a shame that you can only advertise on there, can you share the link on social media or anything to try and increase exposure? Hope it sells for you ASAP so you can get the house you are after

I've changed hugely in regards to spending money and repaying debt in the last 2 years, and it's very upsetting to not see the numbers falling quickly at the moment but it is nice to see the savings account rising a bit, which has not happened in....well, forever really!

Still waiting for the next bit of news on the houses! Our solicitor is a local one, chosen specifically because we had such a rubbish experience with our previous end of the phone conveyancer but I am more disappointed with this rather than the previous one, which is saying something! It's like getting blood from a stone getting any kind of response so wish me luck when I ring for an update at lunchtime :cool:
Our buyers solicitor put queries in 10 days before the were passed to me, and I put queries in about our contract last week and have had no response so I'm not holding out much hope of exchange anytime soon :mad:

little_miss_spendtoomuch

Oh wow! We would love a detached but ay out our price range so have to make do with a 3 floor terrace. It will be like a palace compared to a flat though!
The waiting is the worst isn't it. I'm terribly inpatient and constantly email or phone. They must find me so annoying. Dd you not go with the recommended solicitor for the development?
You're doing so well with your debts. Good luck with the phone call! x