On Saturday I picked up the keys to mine and Brandi's house! It is a nice two bedroom house in an even nicer village in Worcester.
A few weeks ago Brandi was sending me the addresses of some houses to go and see. I saw a few, but I didn't love any of them. We quickly realised we would need to lower our expectancies or raise our budget.
I didn't have much money saved (for a deposit, at least), and hoped I would get a 95% mortgage. So on the one Saturday I had arranged to see a mortgage advisor with my mom and dad, as well as 3 or 4 houses Brandi saw, and one that they phoned and told me had just gone up.
The mortgage advisor almost laughed in my face when I said about getting a 95% mortgage in that area. I thought from then I would have to rent, making the rest of the day pretty wasted, but alas we were already there and would look.
The first house I went to see was the one that had only just gone on sale, and I was instantly in love. It was perfect. It had a conservatory, an en suite shower, and a big kitchen. It also was off the road, near a nice walkway and park. I couldn't believe it was the same price as all the others I had seen.
It turned out that the lady that previously lived there had unfortunately died, so her family were looking for a quick sale. They had also said that they were looking to leave things like the fridge, washing machine, etc.
It was perfect... but I couldn't afford it. But the second we got outside my mom was like "go and make an offer before somebody else does". I had no idea where the money would come from at first, but I am glad she convinced me.
The last few weeks have been pretty hectic as we have tried (and managed) to beat the end of the stamp duty limit. But now we finally have our first house, and will move in there as soon as Brandi comes over.
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I didn't have much money saved (for a deposit, at least), and hoped I would get a 95% mortgage. So on the one Saturday I had arranged to see a mortgage advisor with my mom and dad, as well as 3 or 4 houses Brandi saw, and one that they phoned and told me had just gone up.
The mortgage advisor almost laughed in my face when I said about getting a 95% mortgage in that area. I thought from then I would have to rent, making the rest of the day pretty wasted, but alas we were already there and would look.
The first house I went to see was the one that had only just gone on sale, and I was instantly in love. It was perfect. It had a conservatory, an en suite shower, and a big kitchen. It also was off the road, near a nice walkway and park. I couldn't believe it was the same price as all the others I had seen.
It turned out that the lady that previously lived there had unfortunately died, so her family were looking for a quick sale. They had also said that they were looking to leave things like the fridge, washing machine, etc.
The last few weeks have been pretty hectic as we have tried (and managed) to beat the end of the stamp duty limit. But now we finally have our first house, and will move in there as soon as Brandi comes over.
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Wow, that's a beautiful place! I'm sort of jealous because I had to give up my housing search because between school, and relocating, and my fiance switching jobs and potentially going back to school AND planning a wedding...it was just all too much. I'm sure the two of you will totally love your place!
ReplyDeleteLooks a perfect place to start out your life together - and look at the flower bed already!
ReplyDeleteAwesome! Also, I've always wanted a conservatory - even though I'm not entirely sure what you do in them (except kill people in the board game Cluedo)? Congrats on the house :)
ReplyDeleteCongratulations on your new house! Congratulations as well on the accomplishment of buying your first house. These pictures are a great teaser into what it looks like. I’m sure by now that you’ve moved in, you’ve redecorated and renovated a bit. I’d love to see what your home looks like now!
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