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julicorn's journey 2 - Moving Up

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  • julicornjulicorn Forumite
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    TallGirl said:
    Great to find you again good luck with the sale and purchase. Exciting times I love interior design too!  
    Great to hear from you, thanks for checking in! And thank you, I'm starting to get a little nervous for the open day haha!
    Original mortgage: December 2017, £203,495
    MFW start: April 2018, £201,800
    Mortgage neutral: September 2022, mortgage redeemed: December 2022
    New house, new mortgage: December 2022, £276,007
    Current balance: £222,150
  • edited 2 February 2022 at 11:48PM
    julicornjulicorn Forumite
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    edited 2 February 2022 at 11:48PM
    Mr julicorn finally got the past rise he was asking for today, so that increases our maximum borrowing amount by £12k I think? Would be nice not to have to go right to the limit, but it's an expensive city and for the right house, it'd be worth it. 

    Our mortgage is looking to increase by about £1,000 a month. The nice thing about having always overpaid over the last few years (and having YNAB a additional evidence, haha) is that we know we can afford that fairly comfortably. There's still always a bit of a niggle around what exactly happens if/ when we have a child, given that I'm the main bread winner (a bread lottery sounds seriously tempting, not going to lie), but I'm sure other people make it work too.
    Original mortgage: December 2017, £203,495
    MFW start: April 2018, £201,800
    Mortgage neutral: September 2022, mortgage redeemed: December 2022
    New house, new mortgage: December 2022, £276,007
    Current balance: £222,150
  • South_coastSouth_coast Forumite
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    Ha ha, I'm loving the idea of the bread lottery 🤣🤣🤣!
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • julicornjulicorn Forumite
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    Ha ha, I'm loving the idea of the bread lottery 🤣🤣🤣!
    I think I've been baking too much, all my thought centre around bread 🍞 😂

    Speaking of culinary adventures: I had some mushroom and leek risotto left over from the night before, so I thought I'd experiment and make some basic arancini last night. My goodness, so easy and so delicious! I never enjoyed leftover risotto that much, but that is a game changer. I think I was probably inspired by watching the apprentice last week, so that's got to be a first :D 
    Original mortgage: December 2017, £203,495
    MFW start: April 2018, £201,800
    Mortgage neutral: September 2022, mortgage redeemed: December 2022
    New house, new mortgage: December 2022, £276,007
    Current balance: £222,150
  • julicornjulicorn Forumite
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    We've got our first house viewing booked! Well, I say "booked", really I mean "pencilled in for Saturday next week on the condition that we get an offer on our flat before then", because that's how it works atm :joy:

    It's quite an interesting one, smaller than we were looking for, a little mews house but still 3 bed and suuuuuuper central. The location is pretty excellent, but yeah, only 75sqm. Will be good to view that though, gives us an idea of what we can get somewhere that is a literal stones throw from the town centre (having said that, I can't throw very far, but I'm sure Mr julicorn could hit Churchill Square from there if he tried hard enough). 

    Just finished up work, and we're off to Center Parcs in an hour or so. It's all very exciting stuff! We'll go to Las Iguanas for birthday food and cocktails tonight, and will have to try and relax a little rather than just bounce about talking property all week :joy:

    Have a good weekend everyone!
    Original mortgage: December 2017, £203,495
    MFW start: April 2018, £201,800
    Mortgage neutral: September 2022, mortgage redeemed: December 2022
    New house, new mortgage: December 2022, £276,007
    Current balance: £222,150
  • South_coastSouth_coast Forumite
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    Ooh, viewing sounds interesting! I'm a big fan of central, as long as it's not too noisy at night - and with your interior design skillz you could definitely get the most out of that 75sqm 😀 

    Enjoy your break, and I hope the open day goes well x
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • edited 4 February 2022 at 2:51PM
    NicheletteNichelette Forumite
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    edited 4 February 2022 at 2:51PM
    Just discovered your diary. How exciting about moving! We're hoping to do the same in a couple of years once the mortgage fix is over. When we bought this place it was the two of us, and now having us both working from home, my bunny living under the stairs(!) and a nearly 10 month old we just don't have enough space. 

    I hope your potential viewing is good. I used to live in Trafalgar Street many years ago pre meeting DH and really do miss Brighton. We got married there, and I think for that reason he has a soft spot for it and would maybe move there one day :D
    Finally bought a home
    Starting mortgage £289,500 31.01.19 - Current outstanding £213,786.94 - Savings in Vanguard £2,200 (give or take, mostly take nowadays..) - PB's £7,500
    MFW #86 - aiming for £2,400k in 2023
    Overpayments since 27.03.19: £45,619.46
  • KarmacatKarmacat Forumite
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    Yup, I love Brighton too, I lived there for a long time.

    Julicorn, have a lovely time at CenterParcs, and at Las Iguanas too, such fun!
    Downsized and paid off mortgage 2010
    Retired August 2016
    Paid off French mortgage September 2018
    New kitchen fully installed June 2019
    Not counting this! 2020
    Garden fencing completed, woohoo 2021..........
    October 2021: aiming for £5,000 new money for premium bonds or a car.
  • julicornjulicorn Forumite
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    Ooh, viewing sounds interesting! I'm a big fan of central, as long as it's not too noisy at night - and with your interior design skillz you could definitely get the most out of that 75sqm 😀 

    Enjoy your break, and I hope the open day goes well x
    It does look a little tucked away, so hoping it's not too noisy! Thank you 🥰
    Original mortgage: December 2017, £203,495
    MFW start: April 2018, £201,800
    Mortgage neutral: September 2022, mortgage redeemed: December 2022
    New house, new mortgage: December 2022, £276,007
    Current balance: £222,150
  • julicornjulicorn Forumite
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    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
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    Just discovered your diary. How exciting about moving! We're hoping to do the same in a couple of years once the mortgage fix is over. When we bought this place it was the two of us, and now having us both working from home, my bunny living under the stairs(!) and a nearly 10 month old we just don't have enough space. 

    I hope your potential viewing is good. I used to live in Trafalgar Street many years ago pre meeting DH and really do miss Brighton. We got married there, and I think for that reason he has a soft spot for it and would maybe move there one day :D
    How exciting! Definitely sounds like more space is needed - how much longer do you have left on your fix?
    And I have to ask, did you get married at the Town Hall? We did, it was lovely (coming up to 8 years this year, absolutely wild!). And it doesn't get much more central than Trafalgar Street.
    Original mortgage: December 2017, £203,495
    MFW start: April 2018, £201,800
    Mortgage neutral: September 2022, mortgage redeemed: December 2022
    New house, new mortgage: December 2022, £276,007
    Current balance: £222,150
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