Morning everyone 😀
Weather is dank and dark, mild and miserable 🙄
Wreck l have been finding Oreo eggs, M n M eggs , tiny cream eggs , you name it l have seen it , except the ones you want Wreck 🙄🤪
That blood sugar device sounds excellent 👌. I know it was expensive BUT... I feel it's such a necessity to be proactive & look after our health . So well done to you Wreck🤗👏💐
Fluffy your weather sounds like ours 🙄 l hate the misery of it all 🙄
I have news on the house front , DD is eligible for a Cardiff council housing initiative , namely they have 8 x 2 bed new build houses for first time buyers on a Bellway new build site . The house is a 2 bedroom semi detached new build. It's a 20 mins commute from her work, it's on a bus run as well, bus stop less than a min away.
Cardiff is on a terrible flood plane but this site is called Highfields so guess what , it is up high and not affected by floods from anywhere 👏😄👍
So basically, I registered her name last December with the scheme, just because it was worth a try never dreaming they would accept her for the scheme. So we went to look at this house on the Bellway site yesterday it is perfect for her. Across the way within walking distance is Pontprennau with loads of shops, a retail park , Drs dentist's etc . The house is on a shared equity . Dd2 can buy 65% with a mortgage/deposit and the Council/non profit charity organization Harmoni Homes hold 35% until she wants to move or she can stay in it forever until the day she dies and not have to pay anything else. No rent to pay either just mortgage .There are no service charges either. Only thing is there is some noise from the motorway because they are up high and sound travels. It's not terrible, you can hear it in the garden but not in the house. No pylons or electric substation , a drive for her car , south facing, small private garden , when we were there we saw neighbours popping into each other's houses , which we thought was brilliant. They are youngsters by the look of it. It's not rough or at least not yet lol 😂 wait till Dd2 gets there .So we are going to see it again on Tuesday to make our minds up. I am on tenterhooks as you can imagine. These houses are available for every first time buyer but the application form and the information they want is absolutely off putting to say the least , it is nigh on impossible to negotiate the website and l have just rung and rung ppl for explanation after explanation. I have been like Fluffy and turned over every Stone 😄
Dd2 can 'staircase' if she wants to buy the house outright, after 3 yrs in 10% stages, the Housing officer said 'why bother and l suppose she is right. I did worry about reselling but in all honesty I don't see her needing to sell ever. It seems perfect , l do have my worries of course. It seems very safe there though, it's on a Bellway housing site the other house are all private, next door to her is a 3 bed Bellway house the ppl have paid 260k for , Cardiff council are trying to get first time buyers on the housing ladder with these initiatives. So what do you all think? Pray tell 🤗.
The house is not under any covenant , only thing is she cannot sublet it until she owns it outright. She can rent a room out while she lives there though. The house on the open market is £195000, Dd2 has to pay /mortgage £126,750 ie 65%
So what do you all think please let me know what you all think 😊 l would really appreciate it 🤗