We aimed to get everything done from the equity but we failed to budget for a few things, including £3k in early repayment fees, double charges from the movers, a hotel for the night when we didn't exchange on time, and takeouts / DIY stuff while we were getting the place livable. Get some savings if you can, it's easy to miss stuff, and a bad time to have to put it on the credit card
Or just over egg it slightly and use the surplus for any home improvements should there be any left. An expensive loan in the long term but probably only a few quid a month extra for peace of mind.
We aimed to get everything done from the equity but we failed to budget for a few things, including £3k in early repayment fees, double charges from the movers, a hotel for the night when we didn't exchange on time, and takeouts / DIY stuff while we were getting the place livable. Get some savings if you can, it's easy to miss stuff, and a bad time to have to put it on the credit card