Owning your own home

@Glws @swedeee @CYOA @TheButchersDog
Thanks, took over a year, 3 buyers, 1 lazy solicitor and 1 failed purchase later though this is a better flat (on the same 50/60's estate we wanted and once owned by Richard Ayoade) with less work to do and facing the right way (south) and a great view plus the seller agreed to pay for a new lift which made it even cheaper.
The "you are fucking kidding me" moment at 4pm friday was finding out we were borrowing the full amount on the agreement in principle which was over 40k more than needed, because nobody gave us any notice of when the final lending amount would be required and because it was known we had discussed refurb costs and 3 different additional budget forecasts for us it was obvious that decision was to be made, only we had no idea when?
not helped by being sent the wrong redemption statement to look at and try and work out how much it was going to cost us while parter rightly so is having a meltdown. T&C's were inconclusive and no idea if the 10% overpayment allowed (not enough to cover the unwanted borrowing) would bring payments down and how to deal with the remainder after that?
The prospect of having to pay a significant chunk of money every month for 2 years was not something we were going to suck up but unless we exchanged pronto the seller was going to go back to rental and our buyer would no longer have a mortgage deal and his rental contract ends on Friday.

Not a great weekend but going over things with both bank and broker this morning meant it's going to cost us a few hundred quid in fee's not a few hundred extra a month on the mortgage.

currently on the Westmalle strong Belgian stuff and feel like a weight has removed from our shoulders.

Oh, and the view:

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