Right, down to earth with a bump after the panic and euphoria of being told we had the offer accepted.
I don't condone eating while you are driving - illegal or not, but certainly talking to your mortgage advisor (Bluetooth handsfree obviously!) whilst eating an apple whilst driving is certainly not advisable, especially when you are choking after the bit of apple you just breathed in is stuck in your windpipe, attempting to kill you so you never even have to try to find the twenty per cent deposit he needs you to find!!
The conversation went:
Him: "Yeah I can get you a mortgage Chris, even with the past credit problems."
Me: "Thats great - how soon can we get the ball rolling?"
Him: "Well I can be there with the paperwork tomorrow."
Me: "Fantastic, thats excellent."
Him: (bit of a pause first)"They are going to need a twenty per cent deposit though..."
Cue choking! So we have to find fifteen thousand, seven hundred pounds... in as much time as it takes to buy a house???? I politely tell the mortgage adviser that I dont have that kind of cash lying around in my trouser pocket at home and say I will call back in a couple of days.
Three days worth of begging to parents, friends and everyone we know later, four generous souls have offered us altogether the grand total of sixteen thousand pounds - one of which being the OH's dad who has offered to take a loan out in his name for a quarter of it. It makes me realise how generous some people still are these days. Thank you to all of you!
Sixteen grand payable back over four years, four-k per year, three hundred and thirty three pounds and thirty three pence a month on top of circa two hundred and forty-ish quids worth of mortgage payments... we'll shit 'um!
Thanks Dad, Mum, Phil and RJP... you are our saviours! Time to get that mortgage we ordered!
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