In the Meantime

another_casualty

I remember when I moved , being broke and up against it . What I found at the time , was that my solicitor requested payments of £80 here/ £200 there as and when , when the ball was rolling at the start of the process. Thankfully I had the overdraft (£1500) which I didn’t ask for but was given to me regardless . That and a recently approved credit card from Vanquis were life savers at the time ! 🥵

You’re throwing the kitchen sink at this , and doing everything you can . Keep going …😼

doingitanyway

Thanks @beanielou. You are right I am on a mission. Mission get out of my situation and find a home of my own!

Thanks @another_casualty  My plan is to pay the requested payments for the solicitor out of cash flow to minimise the final cost. Yes, this the time for using credit streams. I. remember your diary when you were where I am now. 

Off to post my HMRC bumph

MovingForwards

Being a cash buyer saves about £200 as they're not acting for you and the lender. Another way of saving costs is not having search fees or being selective about the ones you do have.

If you're looking at loans, unfortunately the only ones available for anything to do with buying a property is a mortgage. The T&C's state regular loans are not available for that, it's generally buying a car and other big ticket items.

There's nothing stopping you from using funds from money transfer CCs, provided you can get big enough limits to get the amount of cash required eg a couple of grand. If it was only a bit, I would just hit my normal CC and pay it off quickly.

doingitanyway

MovingForwards said:

Being a cash buyer saves about £200 as they're not acting for you and the lender. Another way of saving costs is not having search fees or being selective about the ones you do have.

If you're looking at loans, unfortunately the only ones available for anything to do with buying a property is a mortgage. The T&C's state regular loans are not available for that, it's generally buying a car and other big ticket items.

There's nothing stopping you from using funds from money transfer CCs, provided you can get big enough limits to get the amount of cash required eg a couple of grand. If it was only a bit, I would just hit my normal CC and pay it off quickly.

Thanks @MovingForwards  

The advice on being a cash buyer is helpful. I suspected it was less but wasn't sure.

A personal loan can be used for any purpose with some lenders. However, I wasn't going for a conventional loan and was hoping a CU might help. I have an appointment to explore this tomorrow. The amount I need is shrinking rapidly and is now beneath the amount most BSS/Banks would consider for a mortgage

I do not intend taking out any CCs. I will just using credit I already have available. Obviously, the plan would be to repay as quickly as possible

Edited to say the Solicitor has not reduced the cost but I'm sticking with them anyway. It was worth a try!

Brie

Chrystal said:

I'm so chuffed for you... one frog at a time girl.. one frog at a time.  (((hugs))) XXX

start with the back legs and then they are easier to herd!!

doingitanyway

Brie said:

Chrystal said:

I'm so chuffed for you... one frog at a time girl.. one frog at a time.  (((hugs))) XXX

start with the back legs and then they are easier to herd!!

I  am eating frogs as if they are oysters. I put them at the back of my throat and swallow them whole 

another_casualty

🤢........🤮

MovingForwards

Keep going, you're singlehandedly managing the population and growing now direction is pointing the right way.

enthusiasticsaver

So pleased your offer has been accepted on your potential new home and hope it all goes well. 

savingholmes

Glad things are progressing. Sounds exciting