Evening Everyone,
So with work starting to get along in the flat, not by Mr. Warehouse and I pulling our finger out and doing some DIY but by our Landlord, whom whilst slightly slow at getting anything done quickly is now in the process of remodelling the kitchen and bathroom so that we have brand new tiles and flooring, although the job maybe left with much to desire as the bare minimum has been done with what was originally discussed and needed doing.
I suppose with the constant reminder of how crappy our situation is in terms of not having the capacity to just do it ourselves and get it fixed how we want it and when we want it without having the worry of workmen coming in and out as they please and potentially being left unattended in our home seems to have maybe worked its magic. Either that or someone is teasing me bad. With my mood cloudy and stormy of late and certainly not feeling myself at all, the good new that I have been striving hard for may have potentially paid off.
Last week whilst at work I had a phone call. As it was near lunchtime I decided to take the call and eat lunch on the go outside in the sunshine. Trying to avoid the falling Blossoms I sat and listened to what the gentlemanly voice said on the other end of the line. He was calling from a very well-known Mortgage Adviser's in England and was explaining about a company that has recently released what was called a no deposit scheme. In the most basic of terms it means that we can borrow 100% of the value for our first home. As it has taken me nearly nine months to save just under £2,000 I was certainly appreciative of the phone call. But surely there would be a few hoops to jump through and something that would catch me out that would take it away from me. It just simply can't be that easy when I have been working and trying so hard to find somewhere or a way of being able to afford to buy.
The Mortgage Adviser explained as I already knew that products like this did not come onto the market very often and even when they did, they always came with a weird or wonderful loophole meaning that it would not be possible for myself for Mr Warehouse to apply. Questioning it I thought that it might be too good to be true and so took some details and made a date to call him back when I had more time to go through it all. Again I had my questions answered with honesty and integrity from my Mortgage Adviser. Allowing myself for a second to believe that this might be the beginning of my house owning a journey I went through a few preliminary questions in order to get what is now known as a Mortgage In Principle / MIP. Mr Warehouse and I had been applying to probably ten or twelve different Mortgage Adviser's and companies over the last 18-months, so answering questions about our debt and outstanding monies owed was certainly not issue. With our Mortgage In Principle in hand I looked no further and immediately spent the rest of my lunch break calling up estate agents and housing associations looking for any properties that might be within our budget.
So far Mr Warehouse and I have seen just one property and that was offered to another person due to the fact that they had the premium bond that was slapped on top of the asking price in the bank and ready in cash essentially. As frustrating as it was to let go of a property we could not afford nor have was hard. I think that however in the long run this would have been a better outcome due to the fact that we would not have wanted three bedrooms, nor would we have probably wanted the longer commute or indeed somewhere that we had seen only once and especially with the first property we had seen. As gorgeous and as perfect as it was it was definitely a good choice to not go with the first place we saw.
Now I am not going to lie and say that it was easy nor in fact that it has been fully confirmed yet that we can buy, but one thing is for certain and that is that there appears to be a silver lining to be otherwise cloud that hangs over me. Over the last couple of weeks I have felt slightly more sunnier and I am solely holding the housing situation as fully responsible for making me smile more. I wouldn't say that I was fully back there and recovered as whilst getting a Mortgage In Principle is a big deal it certainly won't make up for some of the other issues that I have going on in my life at the moment. With me struggling to shift this darkness, I have sought to find some help in the form of a therapist or counselling again.
As frustrating as it is I attempted to go through the normal avenues of the NHS and waiting for doctor's to confirm my mental health and a diagnosis and then a referral and blah blah blah. That was until my workplace stepped in and with several different people's input and help over the last week or two I have been able to hopefully secure myself with a counsellor or a therapist, fingers crossed starting this week or next. I really think that therapy and counselling will help me as it did last time. I just need to focus and concentrate hard on me and not others and hopefully one day I can learn to deal in the cards that I have been dealt. Who knows maybe I'll win ...
'Til next time, Love A.Lou xx
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