Pepper money? Anyone have any experience good or bad please

Happyme7

:rotfl: hahah jasonhand! I wanted too but i kept thinking what if they decline me:(
But guess what ??? Ive only just got my offer through!! Omg i cant believe it:beer: i honestly cant believe it! So for all the people out there thinking they dnt have a chance getting a mortgage you really do! I honestly never thought the day would come after having previous credit issues,
So i have been to the solicitors now and they said it can take up to 8 wks from now :eek: but so happy so so happy:j:rotfl::beer:

Ako26

HAPPYME7 that's great news congratulations. I started packing when I got my offer gutting the loft and a really good sort out of what we really needed. My advisor told me to be really careful at this poi t do t use any credit cards, credit of any kind etc just so they have no reason to change their minds. Lucky for me we had nothing and pay for everything out right. I'm so eased you got your offer they really do take their time but soooo worth it

Happyme7

Awh thank you Ako26!!
I know i cudnt actually believe it :rotfl: i wnt be using any credit just be paying my monthly outgoings as normal, how long did it take from ur offer to completion?
I am so grateful to Pepper!! And everyone on here has been so supportive and its been so nice to speak to ppl who are or have been through the same

Ako26

Happyme7 from offer to completion sadly nearly 3 months the house was empty as well no chain so still no Idea why so long. Start looking at life insurance/buildings etc

Happyme7

Awh really that long :eek:, yeah ive just sorted life insurance and been pricing up home insurance.
Il start packing that should help me take my mind off things lol as i just want to be moved and have them keys im always abit worried just incase something was to stop us if u get what i mean:cool::o

JasonHand

Happyme7 wrote: »

:rotfl: hahah jasonhand! I wanted too but i kept thinking what if they decline me:(
But guess what ??? Ive only just got my offer through!! Omg i cant believe it:beer: i honestly cant believe it! So for all the people out there thinking they dnt have a chance getting a mortgage you really do! I honestly never thought the day would come after having previous credit issues,
So i have been to the solicitors now and they said it can take up to 8 wks from now :eek: but so happy so so happy:j:rotfl::beer:

Yey thats great news. You must be feeling a lot happier now.

Now its just a matter of waiting on the solicitor etc to do their bit. I made the mistake initially of not putting them under any pressure and I started getting calls from the estate agent with concerns on the sale.

But you'll be in your new house for Spring. Sounds like a lovely time to move into a new home.

Maverick_TF

Happyme7 wrote: »

:rotfl: hahah jasonhand! I wanted too but i kept thinking what if they decline me:(
But guess what ??? Ive only just got my offer through!! Omg i cant believe it:beer: i honestly cant believe it! So for all the people out there thinking they dnt have a chance getting a mortgage you really do! I honestly never thought the day would come after having previous credit issues,
So i have been to the solicitors now and they said it can take up to 8 wks from now :eek: but so happy so so happy:j:rotfl::beer:

Congratulations another great story to see on here for people who are in a similar position...

Just an update on my side, so we got the AIP and had a counter offer on the house we looked at, we have negotiated down a bit and the house is now going to be taken off the market with 6 weeks exclusivity!!!

We had a valuation on ours yesterday with the same Estate Agent who are selling the house we want, they were eager to get ours on the market and photos taken etc and say they expect to sell within 90 days....

I feel like i'm living in a whirlwind at the moment haha

Happyme7

Thanks Jasonhand yes i cant wait to get a completion date!!! And Maverick thats great news its all so exciting
Im just waiting on the solicitors now and from what they said when i spoke to them friday it could take quite a while:cool: we shall see:rotfl:

Ako26

Happyme7 it takes a while but use the time to have a good sort out and pack. Literally as soon as my surveys were back and a few harsh words from my MA and it was days everything happened so quick. It's so exciting and we are enjoying our first weekend off in along time. It still feels strange that we are homeowners x

Happyme7

Ako26 yeah you are right! Ive ordered some boxes and they should arrive tuesday and then we will start to do some packing it is very exciting:rotfl:
I bet it feels strange being home owners does it ? We have been trying for years:eek: and now hopefully this is our time:beer: