Wedding Forum - GENERAL CHINWAG THREAD w/c 4th January...

Emily that kitchen looks fab- fingers crossed offer is accepted :-)

Thanks Emma and Michelle

OH just gone to work so going to get LO and I ready for nursery.

What a miserable day- raining again

He is getting up now so hopefully he is off to work.

Kids all at school, laundry load on, some dry stuff sorted out, what an exciting life I lead!

Morning Flossie

Morning flossie

I'm the same with another rubbish nights sleep xx

Gf I can't wait for it to stop! Rain has been going for days and so many floods locally we haven't been affected but feel awful for all who have xx

Joanna, I've told him that, his dad has type 2, he just won't do it. Today he got up and had breakfast, that will last for s little while, then go back to not eating, going to work, not eating, coming home, shuffling anything he can find in his mouth, then have dinner, he's a typical ignorer thinking things will change.

I've just realised how unfit I am. Got my 30ds out, done workout one and struggled, I used to be able to do level three easy,

We hAd a lot of rain overnight, not sure what today will bring though.

W were chatting about the weather yesterday, remember Christmas 2013 going into new year 2014 when all it did was rain rain and more rain.

We've been lucky and had some days dry and sunny, but I think every day there has been some amount of rain

Morning all.

Flossie, great that you are doing it together. Means no naughtiness in the house!

OH went to the estate agents this morning to put the offer in and they wont offer it to the owners as they have other viewings but we are the first to offer. He has also been told that he has to make an apt with their mortgage advisor which he has done but doesn't know what for. We already have an agreement with another mortgage advisor so really don't want to use theirs. Really annoyed with him. He was told that they are moving into a new build but didn't ask when so could be another 6 months. He doesn't know what his meeting with the mortgage advisor is for, just booked it. He doesn't know when we should expect to find out if they accept our offer or not. He doesn't know why they wont offer it to the owners now. I understand that they have procedures to follow but if we don't understand the procedures surely we are allowed to ask. Just so that we have understanding not so we can fight against them. He just doesn't switch his brain on sometimes.

So glad he was home last night though. Slept really well. Makes such a difference to my sleep!

Because of not being well I struggle with official phone calls and close up.
I text him saying that he was coming with me tonight and he said yeah I will come so I replied saying it wasn't a question. he has just sent me a text saying he's called them and has more info so feel a bit happier.
The new build hasn't been fully reserved for them yet but the company have said if they see our AIP then they will reserve it. Also the new build company have said they want to deal with the estate agents direct and want us to use their mortgage advisor. Have told OH that we should see what rate our mortgage advisor can give us and compare it to what they can give us. I'm not really happy him sorting out the mortgage on his on though if I'm honest... He will probably sign a deal without discussing it with me..

Thats a pain Emily, but surely like Joanna says, you should still be able to put an offer in for it and be told after if it was successful. I understand if it was today they were having the viewings, but what if it is not until the weekend? That is naughty, they are just trying to hold out for a higher figure, did he say what the offer was?

I thought that about the heart one I ordered GF, just shows why they were so cheap!

It's blue sky in Cardiff. I'm waiting for it to change, as I have a midwife appointment at lunchtime. Every time I have been to the midwife so far I have been drenched. The surgery is near home but the last couple of appointments have been lunchtime ones so I effectively walk home from work and then walk back again. I must remember next time to ask for the latest slot that is available so that I can go on home afterwards. I need to get my MATB1 form today to give to work. I'll be 25 weeks on Saturday and it's at 25 weeks that they want it. I was a bit annoyed given that she said when I saw her at 16 weeks that I wouldn't need to see her to get the form, I could just ring up after the 20 week scan and she would do the form and leave it with reception. When I rang up to request it before Christmas the message came back that she needed to see me first as she had to see me after 20 weeks before doing the form. That's definitely not what she had previously said. She's only in on Thursday afternoons and by then it was too late to get in before going away for Christmas. At least today's appointment should be able to count as the 25 week one as I'm close enough, so I won't need to go again until 28 weeks. It feels like I'm having an awful lot of time off work for these. My colleague only works Wednesday onwards so can schedule appointments for when she isn't in work. Everyone's very good about it though.

Emily have I understood right, the people who own the house that you're putting an offer in for are moving into a new build? It seems really bizarre in that case that you would have to use the mortgage adviser that the building company wants. Surely that should only apply to the people buying the new builds. The mortgage should surely be your choice.

Oops I totally read that wrong. LOL!!!

I've ironed my work stuff, made a spag bol which will just need heating through later for them, only done it so that the kids would get something nice to eat for dinner, not done it to help hubby out.

hahah Flossie! my parents first house was £18k and they had a 100% mortgage so no deposit needed. Oh how times have changed!

Jo that's my thoughts which is why I want the rates from our mortgage advisor so that we can compare. If they can't match it/beat it then I don't see why we have to use theirs

Elinor from what I understand they want to only be dealing with one estate agents so don't what the one who had the house on the market and the one with the mortgage. I don't see why we should have a worse mortgage to make their lifes easier

Just seen that my tumble dryer has been dispatched, now to await a call to say when it will be delivered.

I know. I said to them that I have more than that in the bank now!

OH has an apt booked with their mortgage advisor for 2pm this afternoon so just asked my boss if I can go and he said yes if I make the time up this evening. feel so much better being able to go with him.
Its mad. I would have a nervous breakdown if I had to go on my own but I don't feel confident in OH going on his own. Hopefully will get some more information then too.

your mortgage has nothing to do with the people that are selling as long as they get their money on day of completion then that it tell the other mortgage advisor to do one if they are no good never heard anything like it. as long as you have the money in place that's all that matters

If you've offered asking price then they should accept but precious house value doesn't always mean much.

Our house is up for sale for 30k more than we paid 3 years ago but we've spent a fortune on it including a new roof and other bits and pieces because the house was in a terrible state.

I'd find it cheeky if someone said they thought 70k was expensive when we bought for 40k because they don't know how much we've spent on it to get it habitable and the condition it was in when it was last on the market