AAARRRRGGGGGGHHHHHH

[NinkyNonker]

That is all.

Bloody bloody life crap.

Am waiting for scan on Monday to ascertain if dc2 has a heart defect.

Surveyor has just down valued the house we are buying, ridiculously for the area. Errrr, a detached house, garden etc for less than a flat? I don't think so. So I doubt vendors will lower the price £17k, why would they? They're in no hurry to sell. We can't afford to magic the difference out of thin air. We LOVE this house, we'll never get another for the price.

Can't speak to agent or financial advisor till Mon, when I will also be sat at the hospital waiting for scan. I am trying to stay calm, but am in hormonal tears while DH tries to mollify.

And dd had the smallest nap known to man so will be mega grumpy later.

Just AAAAARRRRGGGGGGGHHHHHHHHH.

Hi, sorry you're having such a time of it at the moment :(

I take the valuation on the house has been done by the mortgage lender? I may not be able to help much but I'm a mortgage adviser myself and you absolutely should be able to appeal the down valuation - each lender has their own process but it's always very similar so I'd be happy to give you some info about what you can do between now and Monday to get that ball rolling?

aaaaaaaaaggggggggggggggghhhhhhhhhhhhhhh WHATS THAT?

((((((HUGS)))))

do you think anyone saw?

ds is a master of the smallest nap known to man as well it is horrible isn't it?

who is with you at the hospital?

and bloody houses.

Oh fuck, I'm sorry to hear that

I hate it when things happen on a Saturday and I can't sort them til Monday because I'm pretty much a 'sort it now' person.

But the most important thing in all of this is the scan...so I really hope that goes well.

The rest of it is probably being heightened by the scan worry and hormones I imagine.

DH will be there, he wouldn't miss it, as will dd...for our sins!

I think our first option is to try to look at survey and perhaps appeal it or get another done? If that fails try to negotiate price. After that beg borrow and steal, after that

I'm guessing the mortgage company won't lend more than 75% of the survey valuation?

It is just the waiting I can't cope with. I've waited weeks for the scan and am so close now, bit too long...

Just a quick update for those who responded, scan was perfect after all that heartache...as far as the consultant could see everything was normal. And we managed to stay strong and not find out the sex.

We have sorted the house too, eventually, the vendors didn't agree with the devaluation which I can understand, but did knock a few K off as a goodwill gesture. We now have the option of taking up a family offer of a few thousand to bump us up to the necessary level to keep our 75% ltv mortgage or going for a more expensive deal without the help. But essentially we are on track again and just keeping fingers crossed it all holds together!

Thank you to those who replied, it was theraputic to be able to yell at someone other than my very calm DH.

Oh that's excellent news on both counts!

Looks like you'll have a very Merry Christmas after all

so glad about the scan