Well, it looks as though right now we may be a step closer to moving. The bank/underwriters seem to have accepted our mortgage application. Up until now our offer had been accepted on the house we want to own and we'd passed our credit check.
We have quite good credit because a good few years ago when we first looked into moving, we we're refused by one particular bank for having no credit. This basically meant that we'd never had to borrow any money and so we hadn't shown that we could pay back owed money. It seemed unfair, that just because we hadn't needed to borrow money we were being penalised. But we were advised to take out a credit card and just spend what we would normally spend on the bank card on that, ensuring we paid it off every month and never went over. This worked for us and helped build us up a good credit rating. I'd advise looking into credit cards only if you don't get tempted to over spend and know that you will pay it off on time. It wasn't a problem for us, so it worked, but that's my own personal experience.
We we're contacted this morning to say that the bank are now going to be doing the valuation, so it's all looking quite positive. But I am one of those people who doesn't like to get too ahead of themselves, so I'm not telling myself that this is definitely going to happen for us. We just have to sit tight and wait. They say moving is one of the most stressful things that a person can do, well they're right. I just hope that all this nervousness and agonising over a yes or a no pays off.
I think it's pretty obvious that moving means a lot to me, and it really does. But it won't be the end of the world if it doesn't happen right now, I'll just need to find a quality that doesn't appear to really exist very well within me; patience.
You see it's not just about me, in fact it's not really about me at all. It's about Ethan, it's about giving him the best start in life, in a great little area with a lovely little school for him to go to, it would mean the world to me. It really would.
I have my fingers crossed for you! Good luck x
ReplyDeleteThanks Kim :) x
DeleteGood luck with it all.
ReplyDeleteKeep you're fingers crossed! x
ReplyDeleteGood Luck with everything xx
ReplyDeleteGood luck with it! It's so hard nowadays. We're thinking of moving too, and just like you we had never borrowed anything before, so I took a credit card and hopefully that will work.
ReplyDeleteGood luck. I'm going to look into getting a credit card in the New Year, like you I have never had to borrow and don't really like doing so but I guess it's essential to build up a good credit rating.
ReplyDeleteMy younger brother is also in that boat, but he's battling to even get a credit card approved even though he has no debts or previous debts.
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