…or it feels like I am anyway, and I really, really, really don’t like it.
As much of a fan of social media I am, there are times when I detest it. Not because of anyone or anything in particular, but more because of my own insecurities. Lately all I’ve been seeing is people getting engaged, married, having babies and buying their first homes. Some of these things have happened to my close friends and family members recently, and of course I’m really happy for them. In fact, I’m ecstatic for my two friends who have recently bought houses with their respective partners, one of whom has got their mortgage all sorted and will soon be on their way to moving into their new home.
As happy as I am though, I just wish that things were going as smoothly for my boyfriend and I.
If you read my blog regularly, you’ll know that a few posts ago I wrote about myself and my boyfriend having found a house we love, which we put an offer on straightaway and was subsequently accepted. Exciting, of course, and we couldn’t be more over the moon. Since then, we’ve got a solicitor all sorted. Their deposit has been paid, they’ve got all the information they need, proof of deposit, etc., and our file has been opened with them. Things are somewhat coming together, slowly but surely.
So you may now wonder why I’m being quite negative about others buying houses and moving out?
It’s as simple as this: we can’t seem to get a mortgage.
We have a brilliant mortgage advisor, who has seen us through all of this and has been so supportive. With every meeting we’ve had with him, he’s expressed how he doesn’t know why our applications haven’t been accepted. We’ve so far applied for two mortgages, and both have been denied. It’s not even that big an issue, nor is it something that was even caused by either of us, which makes it all the more frustrating.
To keep it as simple as possible, there’s an apparent mispayment on my boyfriends credit score, which he has the proof to say that he didn’t miss a payment to this particular company. He also has evidence from them that says the mistake was on their part, and that he hadn’t done anything wrong. Despite this though, this error hasn’t been taken off his credit score, which is what he’s tirelessly trying to get solved at the moment.
It’s been a stressful few weeks knowing that it’s completely out of my control, and there’s nothing I can do. All I want is for everything to get sorted as quickly as possible, and for us to finalise everything, get our keys and start the next chapter of our lives. I’m getting more and more impatient that it still hasn’t been resolved, which is increasing my frustration about being stuck in limbo, with there currently being no way out.
I’m keeping my fingers and toes crossed that everything will turn out okay, but at the moment, I just don’t know if it’s going to be alright. I hope beyond hope that it will be, but for the moment, it’s entirely out of my hands.