Oh my goodness, it has been longer than a minute since I last wrote a post. That is rather bad of me. But I do have a valid excuse, I shall explain…
So, a year ago our rent got put up again after only being in the property for 2 years! It was getting silly and before long we wouldn’t be able to afford it.
I wasn’t in work at the time having being made redundant in the April, but finding it really hard to find a job that I could work around my husbands needs.
I did start looking at house prices to buy and found that with the income we had we could afford it, only we had one problem. He was 72 and I was 48, there was a possibility that we wouldn’t get a mortgage unless I was working. So the hard work began.
I set out a challenge of finding work and at the same time applying for a mortgage. Many brokers would take my call, set up the appointment and gather all of my financial information, then never called back. It started to become a real challenge and I felt deflated and defeated at every hurdle I came across.
December came and I started a new job. I was so pleased I thought positive for the first time. Until more brokers wouldn’t ring me back. This went on for three months which gave me time to get some payslips under my belt.
We found a house which we liked the look of and thought it would be perfect, but we couldn’t put an offer in as we hadn’t a mortgage decision in principle yet. But on calling an estate agent about a property and explained we were interested in viewing more properties but hadn’t got the mortgage sorted yet, heard her say, our broker is excellent and may be able to help us.
So we gave her our permission to have some of our details passed to him and he called us. I explained how eight other brokers had never called back and I was becoming more and more depressed with coming to the conclusion that I would never be able to own a house!
He asked me to trust him and he promised to always call me back when he said he would.
We had our appointment and then he didn’t call back! I was so upset. I went into the office and said I hadn’t heard from him. An hour laterbhe was in the phone apologising and taking more information from me. I’d have to wait again. I told him I was unsure if he was going to call back, he assured me he would and he did.
He kept communicating with us for what seemed to feel lile months but was actually three weeks and then he told me that I would receive a decision in principle by the close of day up to 10pm! But when I finished work it was there. This guy had helped us out and we were over the moon.
We wanted to put an offer in for the house but it had already been sold. We were back looking again. We saw so many that needed so much work doing to them.
Then we had an email from tjw estate agent asking if we were still interested in the house and that it was back on the market. We put an offer in, which was quite low but we had to start somewhere! It was rejected as we expected, so we increased the offer and they accepted straight away!
It’s been another three months and we finally completed last month. We moved in a couple of weeks later and now, two weeks on, we can’t believe that we got to have our dream house, our forever home with thanks to the people that worked hard for us.
Thank you to you all for giving me faith, it means a lot.
Now my new home journey begins
Love n hugs xoxo