October 08 - Ooh fancy that!

[CantSleepWontSleep]

We filled up a thread without even noticing!

Primary school outcome for dd today . They say that the emails will be sent out by 6pm (though may take longer to get through to us).

Glad you're getting a break, HMM. That's a lot of hours. Now you can spend your weekend with P and your dh

Hooray for bank holiday weekend! Dh is off for the week, but I'll still be in school - but we break up 18th June... only 3 more weeks, then I get to be a stay at home mum for the summer (until Dh gets out of school and creates more of a mess for me to clean up while he's home, too). I can't wait to wait!!

oh damn.
Just spoke with our mortgage company.
We can transfer our mortgage over
but with our sale, if we get the top price we'll only have £11,000 to put toward a deposit and that's not enough as they all require 10% now. I don't know what to do. We'll come up at least £8,000 short. The lady on the phone said "can't you get a family member to give it to you or lend it to you?" Um.... no. No one in our families has that. How rude of her. And presumptuous.
I'm so
We'll be in a 1 bed flat forever.
DH hates his job and has tried to interview for others and hasn't gotten them recently so he's stuck there another year.
I love my job but that doesn't help anything at this point. crap.

I am sitting here in tears. My class has just gone for the day. I feel like we're stuck in this place and I'll never sleep again and Q will never have a bedroom. I haven't had my period. Just some weird brownish discharge which is also the exact same thing that happened when I was pg with Q. That would be the worst possible scenario at this point in time. I can't stop crying but I need to go collect Q.

star - a quick google reveals plenty of places that offer 95% or 100% mortgages (eg here), so don't get all upset about it please. You will just need to change mortgage lenders and shop around a bit for the best deal for you.

Thanks everyone. Will have a look at that site csws. Pistachio you're totally 100% right - that is what I'm doing and it's so ridiculous. I can't see through the trees or whatever that saying is... I didn't even think to google it... just trusted what the lady told me Thank goodness for all of you!!!!

We had a cash buyer viewer today who apparently loves our place and is asking loads of little detail questions. We have to have our place ready for viewers every day so every morning lately has been so stressful trying to make sure that everything is pristine and sparkling clean with nothing out of place and all set up for someone to see... not so easy with Q running around making a further mess all the time.

Last night he was up from 2am-4.30am, just awake and giggling and not wanting to be on his own. I let him scream a bit in his bed/on the floor but dh was sleeping on the sofa and I just picked him up to keep him quiet. He was then up at 5.15 for the day, happy as ever.

Star ? It will work out, honestly. Even if it doesn?t feel like it at the moment.

If you can?t find something yourself, it might be worth talking to a mortgage advisor (independent, not at the bank)? They can have access to certain rates that aren't available on the high street and should be able to advise you as to whether you could/should get a 95 or 100% mortgage. this place advertises in the Guardian quite often. They give free advice over the phone, I think.

Alternatively, can you move a bit further out where presumably it?s cheaper?

Your dh isn?t necessarily stuck in his work for another year. The deadline for notice for the summer term isn?t until May 31st. There will be vacancies coming up after that if he felt brave enough to hand his notice in and hope for the best. He could do supply work if he didn?t get anything. Remember, people leave for all sorts of reasons throughout the year as well, so even if he didn?t leave now he might get something else later in the year.

As for the (lack of) period, why don?t you do another test to put your mind at rest?

S and I had a day at the Science Museum today. I?ve not been there since I was a kid. I had to do a risk assessment for work, as we?re taking the kids next term, so I packed some sandwiches and decided to make a day of it. He loved the downstairs basement bit and just generally enjoyed ?running, running?.

HMM - Enjoy the camping. Sounds like a weekend away from it all is exactly what you need.

CSWS ? Are you hanging off the sofa?

star - good news about a potential buyer, i'm sure you will find a lender somewhere for the capital you need, but obviously the rate you pay will reflect this so it's a balncing act. On the sleep front, do you have anything to lose by cutting Qs sleep a little in the daytime? it may take a few days but might just tip him into being more tired at night. J would quite happily sleep for a couple of hours i suspect if i let her in the day, but we don't have that luxury so she gets maybe an hour during the week. i notice at weekends that if she sleeps for as long as she seems to "want" to during the day she is much more restless at night.

star i second (or third or fourth) talking to an independent advisor. I have used one for all my mortgages... find one that does not charge you, they get money from the commission (it seems like this would make them biased, but they get some form of commission from all of the lenders so it evens out... in my simplistic view of the world). anyway it has worked really well for me - they get access to a lot of the deals that you wouldn't necessarily find and they will tell you all the additional charges (admin fees, survey charges etc).

i actually get a new mortgage every few years as even with the admin charges imposed by the banks i often make a net saving and my IFA just emails me spreadsheet of the best deals he has found when my tie-in period is up.

Anyone know about keyworker stuff? DH thinks he may be able to get a loan because he's a teacher at a really low rate for home buying. Hopefully we can use that for the deposit.

Will look for an IFA.

A few of my colleagues have got key worker mortgages Star. I think it's a kind of top up mortgage at a really good rate, not a loan for the whole amount. If dh qualifies it might help you to get that extra you need. One thing I do know is that you have to pay it back really quickly if you stop being a key worker. You'd need to check what that means exactly but if your dh was planning to move say, out of the state sector and work in a private school he may no longer qualify. You just need to bear that in mind.

I did a quick google and found this info.

OH no we don't want the whole amount. Just the deposit. Well only 1/2 of the deposit because we'll get the other half of the deposit from our equity on our own sale.

Thanks for that info!!

I was also thinking we could get a personal loan at a low-ish rate and pay that back relatively quickly. Feeling much more positive today after talking to our C&G advisor (I know, not independent... but surprisingly, my meeting with the independent advisor went similarly - they were thinking we should stay with C&G). They said we have a good credit rating no faults on that, and even with a personal loan for 1/2 the deposit, they'd be willing to give us a mortgage for £300,000 We couldn't do that as we'd never afford the repayments (well, it would be soooo tight that we may not eat!). But, we will be able to do it as long as we find a key worker loan or personal loan to cover 5% of the 10% deposit.

We just have to get our asking price for our place. We had 2 offers today. One for £20,000 less than our asking price and one for £9,000 less than our asking price. We've declined them both because we will need much closer to the full price in order to buy and move. The estate agent said we don't need to jump into anything and they will keep at it. Nice to have offers, even though they won't work.

Um Star...... I know a financial advisor...... I'm married to one! Will read properly when M is in bed.....

Really, 50ft? I wish we had a live in financial advisor!! If he has a tiny period of time when he's not too busy maybe he could put in his 2 cents? Well, as an FA, they'd be worth more like £200,000.

Q is in bed. he's repeating a lot of what we say right now - it's sort of like "did he just say that? it sounded just like it" and it keeps happening... yay! He still just loves quacking like a duck. lol.

I hope everyone had a good saturday, despite the clouds.

Yes to hanging off the sofa cf!

So you've now got a chatterbox too star, leaving just me with a mute boy! Ah well, he'll prob start talking in sentences when we least expect it.

Loved eurovision last night - did anyone else watch? I voted for Denmark, which did well but didn't win.

Hello pistachio - I was wondering where everyone was too. As for whether the tantrums will go on for months, probably just years . Ds likes to throw himself down onto his bottom and wail when something doesn't go his way, but I don't think his tantrums generally last as long as your 20 mins yet.

We're off to Bekonscot model village today. I've never been, but dh apparently went as a child, so is looking forward to going again! Going with friends so should be fun.

I can remember my stabilisers being taken off, so i can't have been very young...

Emma has been driving me bonkers today, bascially any point at which i wasn't completely attentive to her (e.g. when preparing her food) she would cry and whine 'cuddle cuddle'. i got a bit fed up with it and have a splitting headache... can't say i reacted too well to it tbh. oh well all ok in the end and i am listening to her chatting away to herself on the monitor.

Is it just frustration and wanting to independant pistachio? I was chatting to another mum at 2nd birthday party and her little 2 year old doesn't like her to do anything for him.... she has to be asked. Icluding helping him into the car seat and unpeeiing his babybel... looking forward to that and everything taking 20 times longer.

WOW pistachio - saw the video. Clever girl!

myjob - just like Q lags on talking he makes up for it in other things. I don't think a 4 year old with stabilizers is "lagging" at all! However, if you think this, just keep reminding yourself of how incredibly intelligent he is and how he makes up for it in other areas. You have to admit, that boy is so clever. He's going to keep his teacher on his/her toes trying to keep him challenged. (not a bad thing)

Q has strops and tantrums, too. Not for 20 minutes. We typically ignore him and then he stops after a minute or two (seems like ages, though). I have no idea how long they last...