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The final countdown to June 2026
Comments
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I would be tempted to lower your offer. The owners don’t need to know how you found out, just that you did. You found this property fairly easily, presumably there will be others?
2017 - mortgage of £140,000 and interest rate of £10 a day
Feb 2021 £103000
November 2021 £93000
December 2022 £79000
December 2023 £73000
March 2024 £70000
May 2024 £68000
October 2024 £65000
February 2025 £63000
March 2025 £45000, interest of £6.07 per day
November 2025 £41000, interest of £5.62 per day
March 2026 £38000, interest of £5.22 per day
July 2026 mortgage of £34,000 and interest of £4.97 per day0 -
Awwh thank you so much for replying @south_coast I keep playing with the same two options in my head 🙈.
Mr CK agrees with your first comments offer 125k and if declined walk away, his theory being we only just decided to buy another one more will come up. He's right of course, but I have quite a specific list when researching a property and this one (currently) is the only one that meets them. This list includes being a home l would be happy with my children living in.
I think we would be foolish to not at least try to get some money off even if not the full 5k.
Current Balance £6000
MFW 2026 #31 £17000 / £23,000 OP
MFIT - T7
Emergency Fund £6,980 / £5,000
0%CC May 2027- £5,000
0% Loan £600.00 - paid ✅️
Money made £402.30 / £365 (12/07/26)
Declutter 42 /52
Grocery Challenge 2025 £4885.78
Grocery Challenge 2026 Jan £328.20, Feb £297.01, Mar £352.91, April £422.85, May £358.26, June £431.70
The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum2 -
Thank you @agathasquirrel there are others available in the same location but 40k more 🙄 the truth is the price we offered was what the current owner paid 20 years ago. If we don't buy this one we can't afford anything else in this postcode.
But im sure other properties will come up that we like.
Current Balance £6000
MFW 2026 #31 £17000 / £23,000 OP
MFIT - T7
Emergency Fund £6,980 / £5,000
0%CC May 2027- £5,000
0% Loan £600.00 - paid ✅️
Money made £402.30 / £365 (12/07/26)
Declutter 42 /52
Grocery Challenge 2025 £4885.78
Grocery Challenge 2026 Jan £328.20, Feb £297.01, Mar £352.91, April £422.85, May £358.26, June £431.70
The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum0 -
I checked at 3am this morning 🤣 It's £34 a month over a 20 year mortgage not that l have any intentions of paying it for 20 years !!
Current Balance £6000
MFW 2026 #31 £17000 / £23,000 OP
MFIT - T7
Emergency Fund £6,980 / £5,000
0%CC May 2027- £5,000
0% Loan £600.00 - paid ✅️
Money made £402.30 / £365 (12/07/26)
Declutter 42 /52
Grocery Challenge 2025 £4885.78
Grocery Challenge 2026 Jan £328.20, Feb £297.01, Mar £352.91, April £422.85, May £358.26, June £431.70
The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum1 -
Good news on the new tenant.
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 13 months left.2 -
Thank you @beanielou , your right, it is great news 😊
Current Balance £6000
MFW 2026 #31 £17000 / £23,000 OP
MFIT - T7
Emergency Fund £6,980 / £5,000
0%CC May 2027- £5,000
0% Loan £600.00 - paid ✅️
Money made £402.30 / £365 (12/07/26)
Declutter 42 /52
Grocery Challenge 2025 £4885.78
Grocery Challenge 2026 Jan £328.20, Feb £297.01, Mar £352.91, April £422.85, May £358.26, June £431.70
The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum1 -
Afternoon everyone,
Thank you all for your messages😊 after taking the weekend to consider our options we have decided to withdraw our offer altogether for the property. The decision in the end was based less on the cost side of things and more on the fact we risked entering a bidding war with other buyers able to submit bids at will until exchange of contracts.
There is no guarantee that would have ever happened of course, so whoever buys it will be getting a bargain but l don't think my nerves could have held for 3-4 months 😂.I will keep an eye out for new properties but only pursue one that's a bit more straight forward.
In other news…its the last week of term and the last for little CK in Junior school. They brought there report on Friday and l felt quite emotional 🥹reading the teachers comments. We have a leavers assembly to attend on Friday l suspect there wont be a dry eye in the room.
Moneywise, there hasn't been much change l topped up some interest received to £50 and sent it to the EF. Updated my signature to reflect the money made so far this year I've already surpassed my target. I wonder what l can get it to 🤔.
Current Balance £6000
MFW 2026 #31 £17000 / £23,000 OP
MFIT - T7
Emergency Fund £6,980 / £5,000
0%CC May 2027- £5,000
0% Loan £600.00 - paid ✅️
Money made £402.30 / £365 (12/07/26)
Declutter 42 /52
Grocery Challenge 2025 £4885.78
Grocery Challenge 2026 Jan £328.20, Feb £297.01, Mar £352.91, April £422.85, May £358.26, June £431.70
The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum2 -
Morning everyone,
I had an email from the estate agents yesterday saying that our new tenant has changed there mind 😕 so looks like were back on the hunt for new tenants.
I will phone the office shortly to discuss perhaps offering to the other interested parties. In either case l think the property will be vacant for a longer than hoped for.
Current Balance £6000
MFW 2026 #31 £17000 / £23,000 OP
MFIT - T7
Emergency Fund £6,980 / £5,000
0%CC May 2027- £5,000
0% Loan £600.00 - paid ✅️
Money made £402.30 / £365 (12/07/26)
Declutter 42 /52
Grocery Challenge 2025 £4885.78
Grocery Challenge 2026 Jan £328.20, Feb £297.01, Mar £352.91, April £422.85, May £358.26, June £431.70
The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum1 -
Called the office, the agent is going to reach out to the other interested applicants.
At the same time l discovered the nuisance tenant has retracted there notice 😒this has upset me more than the failed application.
Current Balance £6000
MFW 2026 #31 £17000 / £23,000 OP
MFIT - T7
Emergency Fund £6,980 / £5,000
0%CC May 2027- £5,000
0% Loan £600.00 - paid ✅️
Money made £402.30 / £365 (12/07/26)
Declutter 42 /52
Grocery Challenge 2025 £4885.78
Grocery Challenge 2026 Jan £328.20, Feb £297.01, Mar £352.91, April £422.85, May £358.26, June £431.70
The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum2 -
Sorry to hear.
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 13 months left.1
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