Mortgages – Clairey Sweetie

Dear Kirstie and Phil,

Hi, how are you? I hope you’re both well and got some fun and exciting projects happening this year. How are the kids?

As you know, Ian and I are trying to buy a house but it’s not going very well, we’re not having much luck. We sit on Rightmove day in day out and view anything and everything that has even the most minor glimpses of potential and we’ve now offered on four properties with no success. We offer at pretty much asking price but mostly sellers are pushing their luck. Just because suddenly everyone is in a position to buy thanks to the Government’s Help to Buy scheme, they think they can up the value of their houses willy nilly.

Boyfriend and I are all set to go –we have a perfectly decent mortgage in principle all prepared, we will complete on the flat in a matter of weeks and then we’ll be renting with no commitments thereafter. What more can we do? We’re a very open minded couple with what we are willing and have viewed and can quite easily see beyond someone’s atrocious choice of decoration so we’re not in the least picky or demanding like I would say at least half of your clients on your popular channel 4 programme are.

It’s impossible to fall in love with a house anymore; it’s a full on heart break every time we get rejected so we’re now numb to the process which is a shame. Buying your first house is supposed to be an incredibly exciting time but it’s not.

So I was wondering how you can help? I mean, there must be something we’re doing wrong to keep being turned down like this? On your popular Channel 4 programme, you show your clients around houses, get them to choose the one they like, then you all sit down to a coffee/pint/glass of wine and the deal is done there and then. Do Estate Agents behave differently with you? I would love to know the secret.

So anyway, yeah.

Love to everyone.

Claire

Hi Sweeties,

So, this weekend I have been on a bit of a negative downer, not because anything particularly bad has or is happening, I am just feeling a bit lost and out of control right now.
You remember a few posts ago I mentioned that Ian and I were beginning to start saving for our first house together but that also I was prepared to wait another year or two before moving, just so that saving didn’t take over our lives. Well, the situation suddenly changed a couple of weeks ago, our flat (that Ian owns with a friend) went on the market on a Thursday and by Friday lunchtime the following day had sold to the first viewer. Mental! So, we now have to move which ideally will involve buying our first place but it’s all a bit quick and feels rushed. I live by the motto that everything happens for a reason so if this is the way this next chapter of our lives is supposed to begin then so be it. I just prefer a bit more control and planning!
I am very much a glass half full kinda’ gal and generally keep a positive composure but times like this I do find myself stressing internally and feel myself about to combust. Aside from the house stuff I also find myself a little bit unfulfilled in other areas, mostly in friendships and living so far away from my family and best friend just means that I have to deal with things on my own in my head. Of course I have Ian and he is brilliant but sometimes you just need your Mum and your best friend around for a different perspective on situations.
So when I woke up this morning and saw the sun was shining and not a rain cloud in sight, I decided to take myself and my thoughts on a walk. I try to keep this (Clairey Sweetie) space light and cheerful so I felt it appropriate to post those mumblings elsewhere but to not at least give you the option of delving a little deeper into my head right now, wouldn’t be very honest of me would it?

Spring is coming!

On a better note, Ian and I had a really positive meeting with a Mortgage Broker last week and it turns out we can afford more than we thought and it’s a case of just waiting for the right place to come up before we take the plunge and make an offer and hope for the best. Last Christmas Ian and I said how great it would be when we can host Christmas ourselves one year, in our own house… well, it could be reality sooner than we think!

Until next time, Sweeties! x

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