I've decided ....

Subject: I've decided .... Wed Nov 13, 2013 12:44 pm

To put the fish tank up for sale today I've decided .... 743284

I didn't really want too but it's for the best, it'll be easier when We move and a lot less hassle I've decided .... 658515

That's if our money ever comes through... Our mortgage in principal runs out in end of November I've decided .... 863498

.... My stomach is constantly in knots I've decided .... 910222

Subject: Re: I've decided .... Wed Nov 13, 2013 1:27 pm

Sorry about your fish tank once you are settled could you not set up a new one??? Ever watched the programme called Tanked (I think that's what its called) its amazing I've decided .... 863498

Subject: Re: I've decided .... Wed Nov 13, 2013 1:38 pm

I love that programe.... There's a couple ... Tank kings and tanked I've decided .... 910222

they're amazing I've decided .... 863498

We might set up a new tank in time I've decided .... 910222

... I love getting them from small and watching them grow I've decided .... 805515

Subject: Re: I've decided .... Wed Nov 13, 2013 9:14 pm

Awww thats a shame but like you said its probably for the best I've decided .... 910222

You dont want your fish all dying during the move I've decided .... 583730

Couldnt you give the fish away or sell them and keep the tank so atleast you have all the gear for when you want to get some more I've decided .... 910222

Moving fish sounds like such a nightmare I've decided .... 658515

Subject: Re: I've decided .... Wed Nov 13, 2013 9:16 pm

Have you had a mortgage offer I've decided .... 300576

They normally last for 3 - 6 months
An offer in principle isnt the same I've decided .... 583730

Subject: Re: I've decided .... Thu Nov 14, 2013 6:42 am

Nah feck it.. I'll get rid of the lot if I can lol!!! It's easier I've decided .... 910222

Hmm so what's a mortgage in principal then and what's a mortgage offer....now I'm worried I've decided .... 989279

Subject: Re: I've decided .... Thu Nov 14, 2013 7:17 am

Just googled them I've decided .... 863498

.... The more I think about it, the more I don't think this is going to go through, I doubt we will even get a mortgage offer I've decided .... 583730

The longer our money takes the harder it is getting I've decided .... 743284

Have to be realistic and not get my hopes up anymore I've decided .... 658515

Subject: Re: I've decided .... Thu Nov 14, 2013 11:38 am

Dont panic I've decided .... 583730

Have you used a mortgage advisor to arrange your mortgage I've decided .... 300576

if yes then ring them up and ask what the situation is I've decided .... 910222

If you have had a survey done on the property your buying then you will either get offered a mortgage or you will be advised why they wont give you one I've decided .... 910222

PM me if you want any other advice and dont want to put all your business on here I've decided .... 910222

Subject: Re: I've decided .... Thu Nov 14, 2013 11:46 am

Already panicking Hun I've decided .... 910222

We've used a mortgage advisor, he's aware obviously that we can't sort the mortgage out until the money goes through, and he's also made a note and told the mortgage company this too (Santander, we already have our current mortgage with them too)
We get a free survey done with our mortgage company, but they don't do this until we get the mortgage I've decided .... 583730

Grrrr

If this bloody money hurries up we can see where we stand and see what's happening, it's the not knowing that does it, and possibility of getting our hopes up for nothing I've decided .... 743284

Subject: Re: I've decided .... Thu Nov 14, 2013 12:16 pm

i see they have offered subject to survey but wont do the valuation until your deposit money is available I've decided .... 910222

I get it now I've decided .... 910222

Subject: Re: I've decided .... Thu Nov 14, 2013 12:16 pm

Subject: Re: I've decided .... Thu Nov 14, 2013 12:22 pm

That's right I've decided .... 910222

Is that a bad thing I've decided .... 300576

Subject: Re: I've decided .... Thu Nov 14, 2013 12:41 pm

Can we get someone out to do a survey quicker than the mortgage people, to speed things up?, or would the mortgage company still send someone out!! ... Our buyers sent a surveyor out a week after putting their offer in I've decided .... 863498

Subject: Re: I've decided .... Thu Nov 14, 2013 12:42 pm

You ve just gone through your purchase the opposite way I've decided .... 910222

As long as your deposit money comes through and the valuation is ok then there shouldnt be a problem I've decided .... 910222

I am assuming your solicitor has been carrying on with the purchase getting searches etc done I've decided .... 300576

Have a word with your financial advisor if your money hasnt come through by next week and ask if your OIP can be extended I've decided .... 910222

It may be that they will reoffer in principle but change the deal you were initially offered iykwim I've decided .... 517699

Subject: Re: I've decided .... Thu Nov 14, 2013 12:46 pm

You can but it will cost you money and it will only benefit you if its a specialist survey like a homebuyers or structural I've decided .... 910222

Dont go down that route unless you have to I've decided .... 583730

its £500 - £1000

You will not get a mortgage offer until the lender (santander) have carried out their valuation survey The mortgage offer is based on this survey I've decided .... 910222

Subject: Re: I've decided .... Thu Nov 14, 2013 12:49 pm

Yes everything else has already been done searches etc I've decided .... 910222

... We've done all the necessary house tests asked of us, morning more has been mentioned about the indemnity, but we will just pay that if need be!! Just the money to wait for now!!
Our principal runs out about the 29th November approx I've decided .... 863498

Ahh right... So it's just a matter of keeping everything crossed that it all falls into place then I've decided .... 910222

It's out of my hands I've decided .... 658515

Subject: Re: I've decided .... Thu Nov 14, 2013 12:56 pm

Your money comes through but like i said if it isnt sorted by next week i would see if you can get the OIP extended I've decided .... 610864

all goes ok and the cash comes through asap I've decided .... 610864

Subject: Re: I've decided .... Thu Nov 14, 2013 12:59 pm

The money is definitely guaranteed....but we thought we would have it by now... I will definitely get the OIP extended I've decided .... 910222

what will we have to do for that I've decided .... 300576

.... Will we have to produce pay statements and everything again I've decided .... 863498

My mum is coming into some money this week or next.... I'm hoping and praying she will lend it to us if we haven't got ours I've decided .... 910222

but I don't think she will. I've decided .... 743284

I can see her being a bitch and not letting us have it, even if it is only for a week I've decided .... 575435

Subject: Re: I've decided .... Thu Nov 14, 2013 1:16 pm

You would need to speak to your financial adviser Hopefully they may be able to extend it for another month without any problem I've decided .... 910222

Like i said i would probably wait until next week just incase your money comes through or you manage to borrow it off your mum I've decided .... 910222

Subject: Re: I've decided .... Thu Nov 14, 2013 1:23 pm

You could always ask the financial adviser if you could continue with the mortgage application by paying the valuation survey fee yourself instead of getting it free I've decided .... 910222

I know it means you will be shelling out cash but atleast you then wouldnt have to try extend the OIP They are normally about £200 for a basic valuation
Just a thought but you need to speak to your adviser whatever you decide I've decided .... 502966

Subject: Re: I've decided .... Thu Nov 14, 2013 1:38 pm

Hmmm now that is a thought I've decided .... 300576

... It might be worth considering tbh ...£200 is nothing if it means speeding the mortgage application up!... I might pop into town tomorrow actually and have a word I've decided .... 910222

and get it sorted I've decided .... 910222

Will feel a Bit better if I can do that!!!

I cant rely on my mum I've decided .... 583730

Subject: Re: I've decided .... Thu Nov 14, 2013 1:42 pm

Going to give him a ring now to see what he suggests I've decided .... 910222

Subject: Re: I've decided .... Thu Nov 14, 2013 1:43 pm

Thats what i would do I've decided .... 502966

Subject: Re: I've decided .... Thu Nov 14, 2013 1:49 pm

Just rang him and he can't tell me anything yet as there's a glitch on his Santander account ... He's got several cases with them and can only view three, one of them being ours so until he finds out what's happening there's not much he can tell us

It sounds like our our mortgage offer was accepted or something like that he said... And then went on to ask about the money, tried to look on the system and we weren't there, he's going to ring me back in a few hours, I asked him if this was bad news for us and he said no so we will wait and see I've decided .... 43464

Subject: Re: I've decided .... Thu Nov 14, 2013 2:00 pm

he gets back to you later today with some good news I've decided .... 43464

» Marley as decided..........