Getting a mortgage and then becoming mortgage-free!

bexster1975

Hi

Thought I would mention, if you have a benefit cosmetics counter/store near you they are giving out cup sleeves for two for one on hot drinks in starbucks, valid until end of March!

Good luck with mortgage application!

Bexster

EatingTheElephant

Fingers crossed for you for the mortgage.

That is really an eye watering amount if the flat doesn't sell:eek:

Kittenkirst

EatingTheElephant wrote: »

Fingers crossed for you for the mortgage.

That is really an eye watering amount if the flat doesn't sell:eek:

Yes definitely EatingtheElephant! :eek: fingers crossed we have long enough before we get our house (estimate is September currently) to sell! Fingers & everything crossed!

Today we should hear back from the mortgage broker.

I'm hoping for a NSD today- I have a meeting for work and as my boss is there they'll usually provide coffees and some lunch (fingers crossed!). I'll have to pay for parking upfront but will then claim that back.

I'm then off to my flat for a whizz round tidying up as the letting agents want to show people round tomorrow and it's like a bomb site :O so quick Hoover, lots of box shifting and it should at least look suitable for viewings! Hoping while I have use of work car I can bring a few boxes to the in-laws too. Only 14 days until move out day!

Planning car boot at weekend to get rid of the clutter, as long as rain isn't forecast we should be there selling our wares! promised the gf a sausage cob for her efforts, and will pack a thermos or two as well as pack up to prevent is buying all the hot food there!

4 things relistedon fleabay last night on 5 day listings, so if they don't shift into the boot sale pile they go!

Kittenkirst

So this week has been a pretty pants work week....however I did get to go for a lovely meal with the gf on the one evening this week she's not been away with work. Really nice to go out and just relax and chat. Well worth the £29 spent between us

Received an email late on Wednesday welcoming us to our Clydesdale mortgage.....so I'm really really waiting for the mortgage advisors call (he's been on a/leave to talk it all through)

It allows overpayments up to 10% which is fab, so our budget spreadsheet now have a mortgage tab with the two years of payments, interests and a space for overpayment in with formulas to do the calculating *squeal*

Also spoke with a number of friends who are tradesman re cost for the house builders to do work vs what they would cost so that we can start planning and budgeting for work needed at move in!

I am trying really hard not to get too excited, until the application is sorted (I think this is the pre application approval).

Planned car boot to declutter and raise some funds is probably postponed due to potential snow on Sunday :eek::eek:

debtfreeoneday

Just popping in here to say hello! You sound really organised, hope you get the mortage sorted.

debtfreeoneday

have a nice weekend..

robgoode

Fingers crossed everything goes well for you. I'm currently in the process of saving up a deposit with my partner. Both just opened up HTB ISA so hopefully in a years time we are ready to get our own space. Will be following your journey and taking notes to try and help us when we get round to applying for mortgages etc.

EatingTheElephant

Looking great on all fronts there! What a lovely treat to look forward to a trip to Rome.

Kittenkirst

So silversmithing class didn't happen as I was still logged on and working until late, didn't realize the time and then it was too late to go :-(

Positive side is other than the post office trip today was a no spend day. I count the post office as still no spend as it is pre paid but the buyers from EBay! :-D

Tomorrow is a new day, nice early 10pm bedtime for me tonight and hopefully tomorrow will be a better time!

Kittenkirst

Today woken up to an email that the bank want lots more paperwork so lots of faffing to be done today & tomorrow to get it all sorted. Sigh, this does take a while huh!

Yesterday was a much better day and bought dinner for round my friends- used my sainsburys vouchers from work and tried not to go overboard with the food- spent £6.40 for dinner and dessert with some snacks (not really frugal but better than takeout!)

The gf's parents Post office opens today so should be a busy fun day ahead!

Payday is on Tuesday for me so trying to brave it out until then with no spends.....!!

Have lovely days all!