Our forever home

bellevie

Ds the amazing little one cracked it, two accidents first day none since. 

Saving pennies on nappies as we have them just for nights. He won't wear pants yet, hopefully it'll come in his own time.

In our last semester now, wraps up early august, all being well I will finally be qualified. I've been told to prepare for a delay with our pins, so payrise might not reach my bank until October or November payday.

Initial increase if I stay full time works out to be 21%, following the first year, then a further 10% the next grade.

It's been a hard slog to get here, I'm ready for the end of studying now, one last push.

I can't quite believe I will have gotten through university. My 18 year old self would never have done it, funny how you change with age.


We also have decreasing childcare costs in September, but likely mortgage increase in November. 

Overall we should still be better off so will be able to save properly towards our bathroom, and finally able to increase our overpayments.

beanielou

Massive massive well done to you. 

bellevie

Thank you!

bellevie

We've started the search to remortgage, can you believe our 5 years is up in 5 months!

Initial best quote we've been told is 4.01, which increases our payments by £105 pm. We are so close to 60 % LTV, by some valuation we may be there at point of renewal subject to valuation not dropping.
Too early to check with current lender, which I was hoping to stay with honestly speaking. But broker said they will check with our lender when they can and we won't be tied to sticking with existing offer. 
Hearing on the news how changes to ISAs may affect mortgage rates it seemed more sensible to try to secure an offer now incase rates do shoot up again. So thankful we had a 5 year deal we would have struggled with the rates a couple of years back.

3 weeks left til hand in of dissertation, but I want to have my full first draft by end of next week as nursery breaks up, I'll have less time to concentrate. its been tough but feel like I progressed a lot last week so hopefully I'll get there.

Also had my interview ready for qualified post and was successful.

Ticking things off one step at a time!

bellevie

Mortgage quote dragging out being asked for additional information. I think we can check the offer with current lender next week.

I managed to stick to my target with my dissertation, and actually have submitted it thanks to the study days I had. Though I still have time to review so I'll reread with fresh eyes later this week, I find having a break helps me see more clearly where I can improve, it's 24 pages long I'm at maximum word count so only minor changes / flow.

Looking forward to our holiday in the next couple of weeks then count down to Dds & my results.

Merlin's_Beard

Congratulations on the dissertation submission!

bellevie

It's nail biting time, dd and I get our results this week. Trying to think positively for both of us but feel very anxious particularly this week.

It was lovely to have last week away, we were both able to switch off, had such a great week and lovely weather too.

Mortgage offer came through, then existing provider released a marginally lower rate so have a pending switch. Payments will increase by £92 per month which is a bit of a downer, but when I compare last year we thought we'd be paying £400+ more, it's not bad and certainly affordable.

peb

That's excellent news on the mortgage switch.

Sending good vibes on the results too