Just been to see Mortgage Adviser!!

[~*Leanne*~]

Just come back from seeing mortgage adviser - she said we can get upto £120,000

with a £15,000 deposit which we have, on a £105,000 house (which we are going to view tomorrow ) it will cost us roughly £563 a month BUT she said we will be able to get the house cheaper because no-one is buying them at the moment, she said she had someone come in the other day for a mortgage, the house was for sale for £130,000 and he got it down to £90,000

 

[Jade&Evie]

 

[SarahH]

Awwww I am really happy for you hun!!!

Hope you get your dream home for Ruby arriving

 

[sam96031]

thats great news hun really happy for you

 

[Snuggle]

Thats brilliant babes Really pleased for you. Let us know how the viewing goes tomorrow

 

[evemarie8]

If you do want to make an offer I would be cheeky first and go in really low, it never hurts! People are panicking about the market at the moment and the vendor might be up for a quick sale, just push the fact that you aren't in a chain, it goes a really long way!
Hope it all goes well for you!

 

[Mrs_Jay]

Thats great news

 

[~*Leanne*~]

If you do want to make an offer I would be cheeky first and go in really low, it never hurts! People are panicking about the market at the moment and the vendor might be up for a quick sale, just push the fact that you aren't in a chain, it goes a really long way!
Hope it all goes well for you!

Yeah i know that's what she said - the house has already been reduced as i think its been for sale for a while and with us being FTBuyers she said they will probably jump at the chance!!!

 

[mary70]

thats brill hun hope you love the house

 

[evemarie8]

If you do want to make an offer I would be cheeky first and go in really low, it never hurts! People are panicking about the market at the moment and the vendor might be up for a quick sale, just push the fact that you aren't in a chain, it goes a really long way!
Hope it all goes well for you!

Yeah i know that's what she said - the house has already been reduced as i think its been for sale for a while and with us being FTBuyers she said they will probably jump at the chance!!!

They certainly should do! Do you have any plans of what you might offer?

 

[maybebaby]

That's fantastic! We're hoping to buy in the next year, we saw a mortgage advisor last week but he hasn't got back to us yet with any figures so playing the waiting game...

Let us know how you get on with 'your' house our mortgage guy said he's heard of people taking up to 20% less than the asking price because they're so worried about not selling at all, so fingers crossed you'll get it nice & cheap!

 

[LilysMummy]

who are you getting your mortgage through?

Im just starting to look at renting because I thought no where was giving out mortgages

 

[~*Leanne*~]

They certainly should do! Do you have any plans of what you might offer?

Yeah probably start at £90,000 and work our way up - what you think?

 

[evemarie8]

They certainly should do! Do you have any plans of what you might offer?

Yeah probably start at £90,000 and work our way up - what you think?

Thats exactly where I would start! I am so excited for you!

 

[evemarie8]

who are you getting your mortgage through?

Im just starting to look at renting because I thought no where was giving out mortgages

Lol Lilysmummy, read my rant to you on the book of face! We have just been offered a second mortgage on the house I was telling you about! If they can offer us 2 they will definately offer you 1! They are just being a bit more cautious at the moment, but the more you push the further you get!

 

[~*Leanne*~]

Lloyds TSB lilysmummy!

Im sure if they will give us a mortgage (FTB) you will get one no probs - are you a FTB? xx

 

[evemarie8]

Lloyds TSB lilysmummy!

Im sure if they will give us a mortgage (FTB) you will get one no probs - are you a FTB? xx

Both of ours are through Lloyds too (Cheltnam and Gloucester are the underwriters as the two companies are linked).

Leanne whats a FTB?

 

[sam96031]

you should go to a free mortgage advisor then they can do all the running around for you

 

[LilysMummy]

Lloyds TSB lilysmummy!

Im sure if they will give us a mortgage (FTB) you will get one no probs - are you a FTB? xx

Both of ours are through Lloyds too (Cheltnam and Gloucester are the underwriters as the two companies are linked).

Leanne whats a FTB?

FTB - first time buyer numpty

And yes i will be if I get accepted

 

[evemarie8]

Lloyds TSB lilysmummy!

Im sure if they will give us a mortgage (FTB) you will get one no probs - are you a FTB? xx

Both of ours are through Lloyds too (Cheltnam and Gloucester are the underwriters as the two companies are linked).

Leanne whats a FTB?

FTB - first time buyer numpty

And yes i will be if I get accepted

OOps I was thinking family to be!!