You still at mummy's then Tom? You'll never move out! Why don't you just take a select few of us to Vegas instead?
Yeah I'm still here :-(
found out in the last few days that I may be better off waiting until April to go though.
At at the moment I've got a mortgage on offer of 140k at repayments of £670 a month, if I wait till April I'll qualify to borrow around the 160/165k mark at around £700 a month, its all to do with my tax returns and proof of earnings getting me a higher mortgage at a lower rate.
Its a no brainier waiting really. At the moment I can only afford a two bed home on the estate I want to live where all my mates are, and these rarely come up for sale. There's been 2 since January and I've been outbid in the both :-(
if I wait I can afford a 3 bed and there's 5 of them up for sale at the minute, plus mortgage wise I'll be paying the same on a three bed in April that I would be on a two bed now
like ken I say, my deposit took a knock with the van, but I've still got 35k and I've just been guaranteed work for the next few years so that's all good.
As for vegas, you can sod off
I've never really liked you
