My wife is talking to a mortgage advisor who are doing preliminary inquiries with her bank regarding getting a mortgage. So this morning they say that because my wifes visa - ILTR (indefinite leave to remain) - is on her expired passport, that they wont lend to her unless she gets a biometric residence permit. Nevermind that her two passports are bloody stapled together!!
The flat she wants isn't built yet, but they require confirmation of a mortgage agreement within 7 days of putting down the £2000 reservation fee.
So my wife, rather than doing it all via the post wants to do the premium service for her visa, which will cost her £508. She could spend that and we get told no they wont lend to us, and she's spent that money for nothing.
And I'm so down about the whole thing. She wants this flat that isn't even built yet, wont be finished until the start of 2015, and I'm not convinced we can afford it without big changes to our lifestyles. No more amps and guitars for me! No more morning coffees, lol.
I'm not even sure I want to buy a flat. The only thing we're truly agreed on is that we don't really like our current place anymore. But for London it is pretty cheap. If all this does go through, we'll end up oweing money to several people and paying a fair amount more than we currently do... for a flat that we haven't even seen yet.
*sigh*
FFS...
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Ed Conway & The Unlawful Men - Alt Prog Folk: The FaceBook and The SoundCloud
'Rope Or A Ladder', 'Don't Sing Love Songs', and 'Poke The Frog' albums available now - see FaceBook page for details
Ringleader of the Cambridge cartel, pedal champ and king of the dirt boxes (down to 21)
There's no way I'm stirring Drew's custard!!!
Ed Conway & The Unlawful Men - Alt Prog Folk: The FaceBook and The SoundCloud
'Rope Or A Ladder', 'Don't Sing Love Songs', and 'Poke The Frog' albums available now - see FaceBook page for details
Remember, it's easier to criticise than create!
The one we're looking at is about 5-10minutes walk to the tube station in zone 4 in London, it's a ground floor flat with its own little terrace box thing. Two bedrooms. For our needs it's quite a nifty place... in theory.
Seriously: If you value it, take/fetch it yourself
Out the other side with no debt now, so life is good ! :P
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Ed Conway & The Unlawful Men - Alt Prog Folk: The FaceBook and The SoundCloud
'Rope Or A Ladder', 'Don't Sing Love Songs', and 'Poke The Frog' albums available now - see FaceBook page for details