My 2 year battle to try to keep our home

SusieT

Oh well done, I hope your financial settlement now goes through quickly so that you are totally free 

nannygladys

Yay !!! 

savingholmes

Finally caught up on your diary.

So pleased you got your mortgage through in time. Annoying you've lost 6 months at a better rate but at least you have a 'good' rate for 18 months. I got divorced in November and took a huge mortgage on - at 10 years older than you. You will get through this. You have been doing amazing. Congrats on the divorce sounds like your life will get better from here on out.

Sarahwithlove

That's great news about the mortgage being sorted. I know you are keen to pay off the extra from it but I too wonder whether interest rates on loan are higher and that should be tackled s first so you can make bigger overpayments further down the line. 

Tiredbutdetermined

SusieT said:

Oh well done, I hope your financial settlement now goes through quickly so that you are totally free 

nannygladys said:

Yay !!! 

savingholmes said:

Finally caught up on your diary.

So pleased you got your mortgage through in time. Annoying you've lost 6 months at a better rate but at least you have a 'good' rate for 18 months. I got divorced in November and took a huge mortgage on - at 10 years older than you. You will get through this. You have been doing amazing. Congrats on the divorce sounds like your life will get better from here on out.

Thank you all so much. 

I have confirmation from my solicitor that everything has been lodged with the court and is awaiting a judge’s decision. I don’t really know what that means or what the next step will be but I am hoping the judges decision is simply a formality and they don’t get to overturn our agreement.
I keep checking my mortgage app to check it is still there and isn’t just a dream

Tiredbutdetermined

vampirotoothus said:

Wow, great news, happy it's all moving in the right direction. How about paying the repayment onto one of your loans if they are more expensive and then starting the challenge with your new balance. Yes you will be a bit behind, but you can always add the loan payment to your regular mortgage payment. Good luck V x

I can’t work out how to quote multiple people when the replies span over a page - sorry!

Prioritising the debt over the mortgage totally makes sense and I would put the excess to the loans as APR is higher and the reduction would have a greater impact month to month but...
... my D81 has gone in with current debt figures and I am still wary that, if it isn’t approved by the judge, we could have to renegotiate and resubmit. If we did have to then my debts would be far lower than my ex-husbands due to me sidelining cash from the mortgage and working hard to pay off debts whilst he has been adding to them.
I do have plans for once the finances are approved and everything is final

Tiredbutdetermined

Floss said:

Can I just ask how you got your decree absolute if your financial agreement has not yet been signed off by the court? I couldn't apply for mine until I had that stamped document (albeit all electronically).

My solicitor made a mistake! She rang me totally mortified as she had stated in documentation that she wouldn’t submit the decree absolute until everything had gone through. However, it wasn’t a huge deal for me as I had already changed my death in service to go to the kids not him and the life insurance attached to the mortgage has masses of errors including my date of birth so was highly unlikely to have ever paid out if the worst happened anyway!

Tiredbutdetermined

I have updated my signature end as I no longer need to have back up savings for a house deposit

I finished school yesterday so today is the first day of the 6 week holidays for me. I spoke to my mortgage advisor this morning about life insurance. I have spoken to my existing company and, rather annoyingly, they will only cancel the policy if they speak to both me and the ex in the same call. The only solution they could offer is to cancel my direct debit then they will follow non-payment procedures that will result in them cancelling the policy. They said it won’t effect my credit rating but I am not loving having to go that route.
I have taken the kids to the dentist. The twins both want/need braces but they aren’t eligible on NHS so I am fed up of feeling under pressure to pay myself. Two sets of braces is a scary cost and I am fed up of the dentists kindly reassuring the kids and I that I can pay monthly!

I spoke to the new mortgage company this afternoon and can’t believe how lovely they were, so different to the old one. I checked if I had to wait until after my first payment to make an overpayment with the balance I was paid from the old mortgage. They were very happy to take whatever I wanted whenever I wanted! I had £2337.58 from the mortgage difference but topped it up to £3000 from my savings. They said it would reduce my monthly payments but I asked if it could come from my term. They have said that is fine but it sort of still reduces the monthly payment but they can just arrange the difference as a regular monthly overpayment. My new mortgage payment is £902 and the old one was £1125 so I have asked to set my payment for £1000 so I can overpay each month  

sunshine_raincloud

Tiredbutdetermined said:

I have updated my signature end as I no longer need to have back up savings for a house deposit

I finished school yesterday so today is the first day of the 6 week holidays for me. I spoke to my mortgage advisor this morning about life insurance. I have spoken to my existing company and, rather annoyingly, they will only cancel the policy if they speak to both me and the ex in the same call. The only solution they could offer is to cancel my direct debit then they will follow non-payment procedures that will result in them cancelling the policy. They said it won’t effect my credit rating but I am not loving having to go that route.
I have taken the kids to the dentist. The twins both want/need braces but they aren’t eligible on NHS so I am fed up of feeling under pressure to pay myself. Two sets of braces is a scary cost and I am fed up of the dentists kindly reassuring the kids and I that I can pay monthly!

I spoke to the new mortgage company this afternoon and can’t believe how lovely they were, so different to the old one. I checked if I had to wait until after my first payment to make an overpayment with the balance I was paid from the old mortgage. They were very happy to take whatever I wanted whenever I wanted! I had £2337.58 from the mortgage difference but topped it up to £3000 from my savings. They said it would reduce my monthly payments but I asked if it could come from my term. They have said that is fine but it sort of still reduces the monthly payment but they can just arrange the difference as a regular monthly overpayment. My new mortgage payment is £902 and the old one was £1125 so I have asked to set my payment for £1000 so I can overpay each month  

I have been quietly reading away in the background. Just wanted to say congratulations on how far you have come! You have shown such resilience and determination. You definitely should raise a glass of something fizzy once this chapter is officially over

Tiredbutdetermined

Thank you, I just feel like my story is one of those books where you think you are nearly at the end but then you turn over and there is a new chapter waiting for you!

I have just dropped my daughter at gymnastics and am playing petrol tank chicken with myself! I have 20miles left in the tank so need to fill up but am hoping petrol prices will drop again so waiting might save me some pennies