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Twinklie returns to the property ladder

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  • powerspowers
    powerspowers Posts: 1,337 Forumite
    1,000 Posts Fourth Anniversary Name Dropper
    ooh hope it isn’t, twinkle! There’s a stinking head cold/non covid cough going round at the minute 
    MFW 2021 #76 £5,145
    MFW 2022 #27 £5,300 
    MFW 2023 #27 £2,000
    MFW 2024 #27 £6,055
    MFW 2025 #27 £2,350 /£5,000


  • becky170
    becky170 Posts: 879 Forumite
    Part of the Furniture 500 Posts Photogenic Name Dropper
    Oh no twinkle, hope you get better soon and the rest of the family is ok x
    Mortgage-free wannabe 2025 £571/3000
  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    powerspowers said:
    ooh hope it isn’t, twinkle! There’s a stinking head cold/non covid cough going round at the minute 
    I’ve had an awful head cold the last 2 weeks, so covid would be the icing on the cake. 

    Thanks for the well wishes though. 
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    No PCR results yet, but the job application is in. Watch this space I guess. 
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    No COVID. Yay! Still feel like pants but such is life. 
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Checked the MSE premium bonds calculator which reckons I should win £75 in the next 12 months with what’s in there. 

    So we shall see if that’s correct. 
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • SandyShores
    SandyShores Posts: 1,969 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Fingers crossed for a PB win.  
    "Think of many things, do one"
    Mortgage 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hmmm...we have 2 years left on our fix. Not sure if that might be bad news for us or not. By the time we come to the end of the fix we should have our LTV down to 70% based on what we bought the house for and approximately 65% based on todays rough valuation. 

    However, what do we think house prices will be doing by then (crystal balls out please)? I have to say it is making me a tad anxious. I think as soon as the new year 2023 comes in very frugal living will have to come into play to ensure we can get the best mortgage deal we can. Our fix runs out in October 2023.
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • twinklie
    twinklie Posts: 5,176 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Soooo I've been offered an interview. Argh!
    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.36 July 25
    % of house owned/% of mortgage paid off. July 25 - 38.82%/31.66%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • SandyShores
    SandyShores Posts: 1,969 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    Well done twinklie.  Its at this point the thought of an interview makes me think about withdrawing.  You've got a great chance and don't forget its for you to find out whether you like them as well.
    "Think of many things, do one"
    Mortgage 30 Jul'25 est. £209,749 £309,749 (aiming for sub-£200k next)
    Seven Goals; 12.5lbs lost in 4 months (5.5lbs to go); walk/run/exercising/weights/yoga 

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