Arrgghhhhhhh. Having major rant.
Had a couple of threads over which house we should buy. One we wanted sold so decision was made. It was next to relatives, a bargain, needs work but nothing major, decent deposit, Nationwide said we could borrow up to 105k (which is more than we are paying for the house anyway) so we weren't worried.
Now its one thing after another!!
Had MIP for 45k, no problem. New stupid fucking mortgage rules came in and they said we can only borrow £34900 which is ridiculous as its not even double DH's wages and that's not taking into account child benefit, child tax credit and DLA (which they allow for mortgage purposes). They have said our out goings are too much to borrow more!! We don't spend any sodding money. Small credit card balances, one of which will be paid off, small child care (£26 a month for lunch times only, they even queried why this was so low), petrol and £30 and £40 a month for me and DH which covers the kids clubs (they said we have to declare this), council tax and buildings insurance, which are essential anyway. Its been a joke tbh as they said we couldn't afford a mortgage of £218 a month (even though we had been paying £425 now, they didn't even ask this).
Anyway as we were lucky enough to have the extra 10k we went ahead and they said the mortgage offer would be out in about a week (now). Now they are asking for more bank statements and a full structural survey! We had a homebuyers report done, booked and paid through Nationwide. They knew it was a steel house but nothing was said.
Now they are saying the house is worthless unless the full structural survey is done! FFS, why couldn't they have said this before!!
We were thinking that we would be completing at the end of this month, now it won't be and we are on holiday next week.
Problem is, before we looked at houses up to 150k because based on what they said we could borrow and our savings, if they are only willing to lend such a small amount we can afford fuck all in a shite area. So I don't know.
We need to move, we are in a tiny 2 bed with 2 children (boy and girl), we have no space here and we have sold. We have a significant deposit, DH has a full time secure job!! We don't smoke, drink, have Sky, eat out (apart from odd carvery), we have cheap caravan holidays and they won't fucking lend a decent amount to us, that we can more than afford!! Its such a joke.
Any help or suggestions or join in rants would be very much appreciated at this time.
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Fucking surveyors, fucking Nationwide, fucking housebuying. All go fuck yourselves!!!
27 replies
CrapBag · 05/06/2014 13:39
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