Oh god the house... long story, will try to keep it short.....
The house has about 27 years left (it would stand for much longer and it is very likely to be extended again, but no garentees of that) so bearing in mind that usually a mortgage would run for 25 years, it's close to the point where any mortgage company would laugh in someone's face if they asked for a mortgage on a house that won't be standing by the end of the mortgage term.
The next problem is that it's a 'non-standard build' basically instead of the usual bricks and mortar, it's concrete, there are two main different concrete builds, one that is using concrete slabs, and our type which is where they build a mould, pour the concrete in, take the mould away, and hey presto, it's a house, our way is still non-standard, but is considered to be a much better bet than the concrete slabs, but, when we bought this place, credit file was pristene, there was nothing wrong, economy wise, the mortgage was only 1.5 times DH's salery, and we still had a bit of trouble finding a mortgage because of the non-stanard build thing, so now a days, I'd guess it's nigh on impossable to get one on it.
So basically we are looking for ideally a cash buyer, did you see that pig fly then?
When we move, we'll be going back to rented, we've both said for such a long time we'll never buy again, and (although I don't like thinking of it this way) if me and DH for whatever reason don't pull through from all of this, then at least we've not just taken out a new mortgage.
We're aiming for an October move, whether this place has sold or not, we may have to rent it out or something.
Where? Well somewhere in mid-south Lancashire, edging into north Mancs possibly, seen a couple of lovely houses in Chorley, another couple in Radcliffe. Problem is, we need a bigger house, and Accrington just doesn't have the sort of house we're after, rows and rows of old terraces with no garden, a few 3 bed semi's (like we're in) and then a handful of houses with the four beds but they don't have the space downstairs that I'm looking for. In fact I've found one over the other side of Accrington that would do us space wise, but the garden is child-hell and it's very close to the landfill and I don't fancy the smell!
So up shot is, we've got practically no chance of selling it, we have to get out of it, so bring on the fun of paying one mortgage and one rent!
Good news though, he thinks he's found the car he want's, praise the lord! Just hope he doesn't change his mind before putting the deposit down tomorrow, I'm not sure I can take many more days of conversations about cars!