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I’ll be honest. I am in love with it and it it a bit of a bargain. Still waiting for hear from one last broker but I suspect the choice will be made for me anyway.

Yeah TBF from what I’m reading the Wimpey no fines ones are the best of the concrete designs and don’t tend to suffer “concrete cancer”

Cheers mate. I think you may be right.

It’s simply this house. I was approved for the mortgage generally, it’s just non standard construction puts the shits up lenders.

Reminds me of this sort of stuff:

Like what out of interest?

Stops them coming back as Zombies, smart move.

Yup

Sponsored by Wasps Rugby 🤯

And another one down Town and Country say no dice. Not looking good :( Only possible route is I sell something to my dad for £13.5k, I don’t even have a car at the moment!

Ah fuck. One broker down definitely can’t find one for no fines above 85% LTV. Still waiting on two 🤞

Ive always wanted to do a network analysis of the likes and replies on here, and a sentiment analysis of posts, especially when doing my Masters. Don’t really have the time for such fun these days sadly.

Yeah I had no issues getting a mortgage generally. Just HSBC don’t like non standard at 90% and lenders that accept that want 25% gift max. You’ll have no issues generally gifting a deposit in my experience.

Yep that sounds like the deal. Absolutely ridiculous. Broker says it’s just a way to limit people artificially basically.

No. It was before they change IHT rules my Nan did the “sell them the house for a pound and rent it pack a penny a year thing” so it’s technically been my dads house for years and he just sold it and decided to give his kids some cash. At the time I was going through divorce and basically...

Luckily the seller already has the TV hung exactly where I’d want it!

House is about 70 years old. Views seem to differ. Other than the walls issue Nick mentioned and issues with insulation most people are saying it’s OK as long as your metal rods don’t rust. The surveyor seems to think it’s solid. I’m just googling tradesman forums and seems to be 70/30 in...

Yeah. Not sure if the details but basically they only allow 25% of the deposit to be gifted for some reason. They’ll see the money only hit my account today and ask where it came from, at which point they count it as gifted deposit. Because the money came from selling my nans house when she...

Ha! Mortgage Solutions are who I’m talking to! Thanks though!

Argh! Stupid mortgage rules! so my new broker has found a 90% LTV mortgage, BUT they only allow 25% of the deposit to be gifted. All my deposit is gifted. Can’t just transfer the money to me because of money laundering. Why do they care where my deposit comes from? The irony of this is it’s my...