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Prosperous soul, mortgage neutrality & creativity Year 2

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Comments

  • Glad your sister and bil were able to help you. 
    Seaweed x 
  • jwil
    jwil Posts: 22,036 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Good that Sis and BIL were able to help and give advice, especially if she will also help with negotiating.  Sounds like a lot of work needed for that one.

    It might be worth having a look at your list and see which ones are absolute musts and which ones you could compromise on for the right house.

    With the garden for example - is it worth chasing a decent garden when you say you prefer to look at it rather than sit in it?  Would a decent view suffice instead?  You can create a wildlife garden with some pots on a small plot if need be.  
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • KajiKita
    KajiKita Posts: 7,818 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
     My current house has college field views from upstairs at the front, is not overlooked to the front (there are shrubs in my view and the wall of someone's house but not a window - but is very overlooked at the back. It is very spacious.”

    I can see why you are struggling to ‘upgrade’ from that …. 

    kK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 43 books of target 52 in 2025, as @ 17th August
    Produce tracker: £299 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • KajiKita
    KajiKita Posts: 7,818 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Mums have a canny knack of knowing us rather well. I would listen to that advice …. 😊

    KK
    As at 15.08.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £232,244
    - OPs to mortgage = £12,048  Interest saved £5,675 to date
    Fixed rate 3.85% ends October 2030

    Read 43 books of target 52 in 2025, as @ 17th August
    Produce tracker: £299 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • I'm the total opposite to your mum! I think you should get somewhere smaller. And honestly I think you need somewhere all on one level, I'm frightened of you falling downstairs already and thats not old age yet! 
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