We can't afford to live together and have children

burnsguitarman

For Gods sake......Grow a pair! This thread is painful, one excuse after another. The 190k house has probably gone now, and the next one might be 200k.
Either take the plunge and get on with it, or be prepared to stay at home with Mummy and Daddy for the foreseeable!
Your girlfriend might find your reluctance, as a sign you're not really serious.
Good Luck

JPB156

Yea we have an offer have had credit checked just haven't gone any further yet

Guest101

JPB156 wrote: »

We did have an aip then did a full application for the amount when we saw this house and that's when we looked at monthly costs of mortgage

To do a full application they do a full breakdown of costs and credit checks etc.

I still don't understand this. I got dragged back in.

Have you even viewed the house??

JPB156

I'm trying to establish the difference of it being brave or stupid guitar man

JPB156

Yes viewed it done application and passed credit check now just waiting on us to put offer in and if accepted arrange survey

Guest101

JPB156 wrote: »

Yes viewed it done application and passed credit check now just waiting on us to put offer in and if accepted arrange survey

Are you in Scotland?

JPB156

No England why is it normal?

burnsguitarman

You're NOT stupid, just over cautious, worrying about things that may never happen, and if they did there would be ways round.

Guest101

JPB156 wrote: »

No England why is it normal?

No, no-one in their right mind does a mortgage application before having an offer accepted....

JPB156

We've tried to think of like a safety net thought of renting it out but if it cost so high we can't do it rent wouldn't cover it anyway. And selling it wouldn't cover debt if houses price crash which to me looks likely