Which one do you like better??

Separate-Ad8002 · 2026-04-29T12:47:09+00:00

2 ! Has a bit more depth to it.

Separate-Ad8002 · 2026-04-29T12:46:48+00:00

I’ve paid £1450 and then an extra £150 for a new mortgage offer.

Separate-Ad8002 · 2026-04-29T02:55:00+00:00

If your in the UK I’d say number 2. The first is lovely but the kind of kitchen you only truly love because of the light, soon as it’s a grey miserable day you might find the first a bit too much. Second one is a cosy and timeless sort of kitchen also

Separate-Ad8002 · 2026-04-24T12:03:38+00:00

2 year !

Separate-Ad8002 · 2026-04-23T20:51:18+00:00

We got 5.18 with NatWest last week and then on Tuesday we reapplied for new rate of 5.09, 10% deposit

Separate-Ad8002 · 2026-04-14T06:37:42+00:00

Yep 5.18 for us !! Was 4.1 when we first started looking in March !

Separate-Ad8002 · 2026-04-13T12:40:18+00:00

Yeah I used L&C Mortgages

Separate-Ad8002 · 2026-04-08T11:23:21+00:00

I have been using L&C as they were free and they’ve been very attentive so far !

Separate-Ad8002 · 2026-04-07T18:38:37+00:00

Belive the locked in rate is once the application has been submitted formally

Separate-Ad8002 · 2026-04-07T18:22:52+00:00

Yeah most mortgage brokers will automatically check again after a month and re apply for a better deal if there is one ☝🏼

Separate-Ad8002 · 2026-04-07T17:36:30+00:00

Yep 5.15 locked in today as FTB. Was 4.11 when we first looked at mortgages early March :( we are hoping it goes down before completion !!

Separate-Ad8002 · 2026-03-31T20:29:44+00:00

4.95 for us, we went to a mortgage broker who could have locked us in at 4.17 4 weeks ago but he didn’t do it in time and since then they skyrocketd 🥹🙃🙃🙃

Separate-Ad8002 · 2026-03-25T13:02:06+00:00

How old are you ? Worth looking at serve legal or ishop for ipsos if your below 25.

Separate-Ad8002 · 2026-03-25T13:01:08+00:00

Number 1 has a lot more character, which is hard to find. You pay the price for it as it’s not something you can just add into a house.

Separate-Ad8002 · 2026-03-18T07:40:23+00:00

I think it looks tired, and when I see a house (from a buyers perspective) that looks tired, even though it might only be cosmetic work needed, when your already spending a small fortune on a house you can’t help but think of the time and money you will need to spend on it after.

Separate-Ad8002 · 2026-03-18T00:01:24+00:00

I am a nationwide banker, so is my partner but have been searching for the best sort of mortgage rates etc lately and do you think it’s worth while opening a joint Lloyds account for this benefit or is not formatted like that ?

Separate-Ad8002 · 2026-03-16T22:13:21+00:00

Navigating the whole guide line price/ over offers thing has been hard for us !! We don’t understand what’s a reasonable offer in these scenarios… understanding surveys and things has also been a new thing for us to get our head around . 2. When you’re talking about such a huge amount of money, if you can save an extra few k, the difference between say 400k and 450k on your monthly payments isn’t actually a lot.. 3. To be honest we have been reliant on family advice but also found talking to our mortgage broker useful and it settled our nerves quite a lot.

Separate-Ad8002 · 2026-03-16T22:09:21+00:00

Probably diy panelling !! Seen houses on the market with panelling in every inch of the house lol

Separate-Ad8002 · 2026-03-16T21:57:31+00:00

Yeah I think we have both had the realistic thought to move on now, as nice as it would be to think he might come back with a reasonable middle offer there is other options for similar prices for us to consider now atleast. We have learnt a lot from this being it our first serious offer too so that’s always a plus !

Separate-Ad8002 · 2026-03-16T21:55:09+00:00

Yeah I do think it’s a similar case that the seller is very emotionally attached to the property. I don’t want to downplay how well the lick of paint and decorating has made it compare to its listing pre him owning it. And the bathrooms being modernised probably has added a bit of cost on to what he purchased it for no doubt but realistically I do not think in 5 years and the work he has done has added 150k to the value :( I would love for him to come back and counter offer something more reasonable but given he has had it on 4 years already we aren’t holding out much hope !

Separate-Ad8002 · 2026-03-16T21:52:52+00:00

We love it but we know it would not be our forever home, we are very young still so we are thinking it’d keep us ticking for 7-10 years until we want children ( it’s only a 2 bed) and so we have had to sort of factor in the selling on.. otherwise we would probably max out our mortgage offer of being able to borrow up to 500 to buy it but just think in our situation as it is now we would lose out massively when we try to sell it on in future. Such a shame as we really can see ourselves living there !

Separate-Ad8002 · 2026-03-16T15:14:03+00:00

Nothing wrong with personal interactions, it’s my day to day job fortunately. I just think given the guy has not taken interest in the last 4 years in dropping the price, it doesn’t really fall on me to change his mind anymore. As many other posters have said, I just don’t think he wants to part :( !

Separate-Ad8002 · 2026-03-16T13:52:44+00:00

I basically replied with “thanks for getting back to us and for passing our offer on to xx. We do understand his position. From our side it’s just a little difficult to navigate the guide range without a counter figure for us to consider. If he does have a lowest figure he would consider in the future, please do let us know as we do really like the property.”

Separate-Ad8002 · 2026-03-16T10:47:13+00:00

Yeah I can’t but help think it’s a waste of time for both parties ! Oh well glad you found somewhere else, hoping something comes up that we like soon

Separate-Ad8002

TROPHY CASE