Lolu's Mortgage Free odyssey

L9XSS

Wow, exciting time for you. Fantastic that you have a MFW diary already. Take your time it is a marathon not a sprint. You seem money-savvy so we look forward to cheering you on when you make your first over payment. How long have you taken the mortgage out for?

rugbymadfamily

Welcome! Super exciting for you, hope all keeps proceeding as planned. We moved from a one bed small flat to our house a few years ago and it did look v empty for a while! Can highly recommend the British Heart Foundation furniture specific shops, we have bought so much high quality furniture and things from them (mirrors etc). Generally much better quality than IKEA stuff and much cheaper - I love it!

powerspowers

I’d second BHF! We’ve also done loads off Facebook this time.  We moved and then realised how little furniture we actually owned 😂 

misslolu

L9XSS said:

Wow, exciting time for you. Fantastic that you have a MFW diary already. Take your time it is a marathon not a sprint. You seem money-savvy so we look forward to cheering you on when you make your first over payment. How long have you taken the mortgage out for?

Aww thanks, I've been chomping at the bit to start an MFW diary. I'd have actually started one when I got the offer accepted if I didn't think that that was maybe slightly too eager. I've taken the mortgage out for 30 years (I think) and I've decided to set my standing order to £100 over my payment so I can start the overpayments early. 

misslolu

rugbymadfamily said:

Welcome! Super exciting for you, hope all keeps proceeding as planned. We moved from a one bed small flat to our house a few years ago and it did look v empty for a while! Can highly recommend the British Heart Foundation furniture specific shops, we have bought so much high quality furniture and things from them (mirrors etc). Generally much better quality than IKEA stuff and much cheaper - I love it!

Thanks! I've been thinking about British Heart Foundation, do they deliver? I don't drive at the moment (stupid virus) so I wouldn't be able to pick them up otherwise. Do you buy them online or go to the individual stores.

misslolu

powerspowers said:

I’d second BHF! We’ve also done loads off Facebook this time.  We moved and then realised how little furniture we actually owned 😂 

I'm moving from home so I'm literally just going with the clothes off my back, my house is going to be super duper empty with not even a mattress for the first few weeks. Luckily I don't have to leave the house just yet, but I can just tell the house is going to be too small for all of us very soon. 

misslolu

My solicitors have been really frustrating over the past few weeks, there's literally 1 query that i've picked up again and again that hasn't been answered. Speaking to the rep on the other side, apparently, the enquiries have been answered but i've not seen any proof of it. So back to my solicitor I go again.

Apart from that we've set our completion date for later this month which is set in stone. I had to move it slightly earlier because of a trip I had preplanned but now i'm super excited because the end is finally in sight. I started this journey just about 4 months ago so i'm definitely ready to be done with it and just start working towards being mortgage free already.

misslolu

And now I've randomly gotten an email from the other side's rep asking if we are ready to exchange. Is that how things are usually done, I thought that exchange was a date set in stone like a completion? Not a random day when everyone decides that they are ready for it. Either way I need to talk to my solicitor first because I still haven't got an answer to my enquiry, and I'm pretty sure that we're not ready to exchange yet because of other things too.

South_coast

No, there's no set date for exchange, it goes ahead when everyone is satisfied that everything is in place - which it sounds like you're not ready for yet anyway. Why are the other side contacting you direct though? They should be doing everything through your solicitor and that should be your only contact

Bargainhunter30

We ended up having to go direct to sellers because their solicitor was useless and was holding up the sale. Solicitors seem to need a constant reminder that you are there 😂