I'm so tired today that I don't know how I'm still functioning. In fact, I'm not entirely sure I even am functioning, so if this is full of spelling mistakes and grammatical errors I wouldn't be surprised. Whoops.
But first things first. I have to share last night's sunset with you because is was so unbelievably beautiful. Just look at it! I think sunsets are probably one of my favourite things in the entire world. There's nothing that makes me stop and appreciate how incredible this little planet we live on really is quite as much as a swirl of bright colour as the day draws to a close. It sort of makes me think that anything could be possible and that the next day maybe I could do anything.
Which is handy. Because “the next day” this time was today, and today happened to be the day that the fella and I marched into the bank weighed down by reams of paperwork to hopefully get ourselves a mortgage promise. I don't think I've ever had a worse night of sleep in my entire life.
If you're not at the whole buying your own house stage yet, it's all very complicated and a bit mad, but here's an extremely basic lowdown. Those of you who have done it or are currently going through it, feel free to skip forward a little. Or you could read it and then send me a lil message saying err babe you're talking nonsense, this is what actually happens. Because I think I've understood everything, but then again I'm the girl who had to ask the mortgage advisor what “arrears” meant. And then had to get my boyfriend to explain it again later.
First off, you save all your money forever and stop doing fun things like buying beer. Once you've got a nice little wedge saved up, you go to a bank or mortgage brokers, and they assess you and hopefully give you an 'agreement in principle', or something along those lines. That's basically the first stage of someone saying yes, we don't think you're too much of a risk and theoretically we would lend you x amount of monies. An agreement in principle includes something called a 'soft credit check.' From what I understand, this covers the main risk areas but doesn't delve too far into your deepest darkest secrets just yet.
After this, you can move on to a 'mortgage promise.' This is a bit more in-depth and does a full (or 'hard' - no I don't know why) credit check. You also have to tell them pretty much everything about yourself financially, so it's best to have a bit of research done first. If you make it through this, you'll get a little certificate or formal letter from whatever bank/building society you go through that says they're prepared to lend these people this amount of money, pending their checking with your employer that you do actually earn what they think you do.
Once you get this, you're ready to look at some properties. The 'mortgage promise' is what you show the estate agents when you make an offer on a home so that they know they can take your offer seriously. And this is the stage we're at now. We got our nice little letter from the bank and we're planning our first viewings for next week.
It's ridiculously exciting, but it's really taken it out of me. I feel like I've not slept for about a week, and my face has decided to cover itself with those darling little under-the-skin spots we all love so much. It's like it's shouting “okay I'm stressed now, back off and don't make me any worse.” Who knew trying to get a mortgage was stressful? Apparently everybody except me. Ha.
We're so happy, but if I'm totally honest I'm feeling a little overwhelmed. This is something that we've been thinking about seriously for nearly a year and have both been saving for for a lot longer. And now it's actually happening.
Part of me feels like any minute now somebody's going to say “hang on, you're definitely not grown up enough for this, what do you think you're doing? Get out and come back when you're a real grown up.” I feel like a kid playing make-believe.
My life is hopefully about to change for the better. And I'm ready to jump in and embrace that. But a little part of me can't help but feel a bit funny that in the not so distant future, I'm gonna take all of my stuff out of my mum and dad's house and put it in a new one that I'm completely responsible for.
I hope it's okay to be a little overwhelmed by that, as this is probably the biggest, scariest thing I've ever done in my entire life.
Anyway, I'm rambling now. Sorry. But I just thought I'd update you as this is a pretty huge deal for me! If anybody has any advice for me, I'm ALL EARS! Hope you're having a fab week and saw some lovely sunsets to keep you going too!